Daf Yomi Bava Metzia Daf 66 by R’ Eli Stefansky

[Music] a [Music] good welcome welcome to all the guests welcome to official all the way from Baltimore um we are live the told me last week he says I know that there are other people watching you because he was talking to some architect in New York and the architect says yeah I'm familiar with your B you have the nice chandelier he says how do you know I watch the she and on Friday afternoon I see the background over there so welcome to all the guests today it depends where you are and what you are it's either the 10th of the the 11th of the the 12th of it's a reminder wherever you are say we only have one email for you today my name is Brian kamra a US Navy chaplain living in Milwaukee I meet so many people many don't have a learning background with having a source of one's learning give real encouragement and a boost to join Count Me In to spread the word in the Navy and Marines thank you very much what's your name by the way Gman thank you the first first person that did me a favor before even hearing one word of tire from me Lieutenant Commander US Navy chaplain Brian comrad good guy you know great guy okay so we got we had uh a few days ago six different commanders and whatever sent in emails all in one day and here's another one before I forget I want to say tremendous Maz there's a person very close to this share from Montreal I think it is Toronto Montreal which one is it I don't remember anymore schulam Goldstein he's been married from many many years and he had a baby girl so it's tremendous he at shabat he was at Miami came with his wife so it's a tremendous for all of MD and sponsor by anus for the sa return of all the hostages my business and all my Endeavors I'm sorry and for major life decisions easy child birth his daughter and a healthy baby here we are we're in middle of one of the most famous pram a peric dealing with bankers and interest that's why we have two Bankers here from leis call col and and Ross from first Equity Bank they're very familiar with het Isa unfortunately for them they came on the one da in the entire peric that doesn't really discuss that much interest it's more like we missed quality also oh miss that well we're not there you're talking about a heisco yeah different type ofis and CLA you have to know but you have to know how it works L you can't just sign it and have somebody sign you have to they have to know how it works as well both sides have to know how it works you didn't bring it up I don't know anything I'm just reading whatever I see over here when we get there what first right first no I'm not I'm not poking any kind listen I still have a loan with you so it better be okay yeah what of course official is here we have a few stories stories here today there a person who sold a field to his friend now as you know there's a concept called in general when you sign a document you take a loan you are giving your real estate as collateral and if you don't write it specifically in the document all it means is that you made a mistake you made a mistake it's automatic therefore says Rashi the only way it could be must mean that you wrote specifically in the document that there's no collateral there's no no attachment to real estate because just the fact that it's not in there doesn't mean anything the fact if it's not if it's not in the document it happens automatically because it's a mistake so in order for it not to have any alone not to have any attachment to real estate it must be that it was written specifically okay the guy sees the seller sees that the buyer is sad because there's no they already agreed that there's not going to be any collap why you so sad if they come and they collect from you they take because let's say there was a loan outstanding beforehand this is already this is the third mortgage fourth mortgage they come and they take it away from you I'll give you the best I have a much better feel don't worry about it I'll give you better Real Estate I'll take care I'm I'm responsible for all the any any Improvement you make in this real estate I'll take care of don't worry about it he's fatting him up with words people say a lot of things they don't mean it they just mean they they want to they want to make the guy feel good let me ask you like what's better to to write out a a document like a non-jew or trust somebody like a Jew the answer is if you trust somebody like Jews do then later on you might come to act like a non Jew just so it's better to to just write everything out be very specific and then you won't have any issues just because the guy promised you verbally that he's going to take care of you he's gonna he's going to pay you with the best of the best means nothing it's just words typically the buyer has to make the deal the seller is just talking you know like you're selling a used car yeah guaranteed don't worry about it so it's nothing what about this bra that we had yesterday that the buyer tells the seller the the guy he realizes that the seller is is desperate he's he's selling his his property's selling his apartment he has a nice apartment why is he selling it cuz he's desperate for cash so the buyer tells the seller don't worry about it if you ever have money I I'll give you back your apartment M so we said yesterday there's a distinction between if the buyer makes this deal or the seller if the buyer makes the deal he tells him don't worry I'll pay you back that's mot why the it's the seller that has to make the deal in this case the seller didn't make the deal it was the buyer that made deal we explain what's the difference explained [Music] yesterday that it happened on his own will the buyer did it on his own will when he wants to if he wants to he'll return it if he wants to because he stipulated that I'll be his own will if he didn't say straight out that it's dependent on him then we don't say that so you see that typically you don't say that people just talk it's not just he was trying to get calm him down with words he was being serious no in this case we'll say it's as if he said when I feel like or if I feel like returning your house although it's not that he said it it's as if he said it okay says Story another story again we're not we're not holding by ribus yet we were there we're holding we're we're talking about business now guy was about to die and he has let's say a brother in Russia now if he dies his wife needs she needs the problem is the brother you can't get a hold of it he's in Russia what are you gonna do so she is going to be in AA there's no way to get hold of him so what does he do he gives his wife a get he divorces her he thinks he's going to live for another two days divorces her now what he could do is he could make he give her a get on condition if I die then you're divorced if you're actively but he forgot to do that he didn't he wasn't very smart he gave her a get right now there's a a husband who asked his wife he said well used to love me when I get old ugly bald she looks at him she goes I do already yeah so the guy is dying he says you know what let me let me divorce you so he said o as he's giving the get he's like I see that you're in pain give me this get don't worry about it if you survive this I'm yours I'll always love you I'll always be your wife don't worry about she's feeding him loction he's about to die she doesn't want to upset him she's excited that she got to get I'll always be yours yeah right we always say the story with the bust RAB whoever it was but there's a lot of stories there was actually real stories in our TR that or wherever it was it was you could get away with if you divorce your wife you have certain uh benefits from the government D single benefits so people said you know what let's get divorced for for a day or two then we'll get back together nobody don't know that we ever got divorced but we'll get the benefits from the government so they go ahead and they get divorced and then uh you know one looks at the other says okay so why are we living in different houses let's take it easy for a week or two let's see how it works out and they never get back together anyway don't worry about it if you survive we'll be married so says that her words were just a common down the ask a bomb question here and without this that she's just trying to be nice to him it's just word is it is a g dependent on the wife the G is dependent on the husband he's the one that could stipulate whether it's a again or not she can't do anything about it a woman could be divorced before no no no he he's the one stipulating but it's based on what she saying she's going to make the deal and he's going to say okay I'm giving the the get un condition the I like her conditions he's he's the husband he makes the conditions but he's going to do it based on her conditions very good says so what happened there so we have a this is actually a su and we mentioned it yesterday it's a of what's as means anytime you exaggerate you do something that's not normal one of the examples is gambling you put one of my very close close relatives told me yesterday that he won $50,000 like wow in in a poker game that's that's great how much do you have to put to buy in 10,000 that's a little sugar to me I think he could have lost $10,000 but why does a person put that $110,000 in a poker game cuz he doesn't think for a second he's going to lose he thinks he's better than the other guy so that could be a problem of a ways to get around it if you if you're a professional Gambler you don't want to be over because it's stealing really so if you put the money down on the table and it's real then it could be it's not it's not but something called what happened to narrow M very simple the the bankers in the room could tell you this happens all the time it's a guy is desperate to get a million dollar loan why because he wants to buy business he wants to buy a house he wants to do something he needs he needs money from the bank so what does he tell the bank he says I'll I have something that's worth more than a million dollars I have a house that's worth $2 million yeah take it why does he say take it because he has no no hav that he's going to lose that he's not going to be able to pay back the loan in his mind 100% the deal is going to go great he's going to make do all this money business and he's going to pay back the loan now for a second does he think that the bank is going to come after his $2 million home because if he did he would never give a $2 million homeless collateral the most he would give is a $1 million homeless collateral why is he over why is he over collateralizing it doubling tripling people do that all the time well cross the L take this building that building for small loan because they're sure they're going to pay back the loan in other words that's called an so does it work or not so when I M we had this case where a guy borrowed money let's say it was a million dollars and he said take my field if I don't pay back three years take back take take my field okay the M says it's okay it works when you do the loan when you're writing the loan then it works then you can take the entire $2 million field but if you collateralize this afterwards the most the bank or the lender take from the field is $1 million whatever equals the amount of the loan the field is worth $2 million you don't get the whole field you get a $1 million piece of the fields no all million goes to the lender the sonin is famous he did a story there was a story that came to him where they coll cross collateralized after the loan and he said up you get all $2 million he told the lender take the $2 million not the $1 million went ahead and ripped up the he didn't like Father calls him in you heard didn't like he ripped do you think know she did something here let me see you think he's a little child that ripped up your this is not a child this is rud this he obviously had a very good reason Hally to rip it up saw a good reason he's belittling rud he's like a child so he's nothing to me in had no right ripping myar I decid that's says at the end of the day and this is the he went to the Other Extreme now he argues on the opposing Mand and he's even more strict than the other Mand if you make such a deal I'm gonna give you two million for one million nothing happened why doesn't work says yeah if I'm giving you alone and if you don't pay me if I don't pay you if you don't pay me within 3 years I take the I take the field so you see that it does work what do you do with our how says that does work how you tell me doesn't work okay so I go the is going that do work that's why Works says no it's already work not says like by the name of that's sponsors for the this is all official this is your fault official you came up with this idea how many years ago so for four years we're doing this no I'll tell you why because we there is it the Turning of the or is the Turning of the page because in Baltimore you have people that say called turning the page so so we made a you pay for it you get to the side and since then it was always turning that mycle and by official what's going on explain that he explain in the sponsoring for the daily learning they I have a feeling that this sponsorship cost more than the form that the sponsoring started pram yeah and now we have 70 people still learning and we give up free tomorrow is 70 people still learning different unbelievable on the group on the chat you got to speak to Yeshua explain to them how the group Works how everybody participates all day by Brothers boy say take take note there's a person who Mar who who increases got a whole by the the Finish 137 people finished and now theeven people continue doing other different so this is not a problem of a well what happened M the Mna is I owe you a million dollars and I'm gonna give you a field worth $2 million if I don't pay and he didn't pay does the lender get the $2 million field or not M says yes no intent to give it $2 million value for a million dollar loan the answer is in the word so it's not so much a future it happened right now I am giving you this field right now if I don't pay so the K happened from before and that's not listen to this this is very interesting two brothers one his name was Mar one was Mar and they said to so what happened was there were two brothers they both had the same exact name Mar one was named Yuka the younger one and one was named Kisha the older one actually it might be reversed and that's why it's very comp don't name your kids the same name because later on they're going to people going to confused even though they they had a name they had a nickname Yuka Yuka means young and old but it's possible that Yuka means that he had when he was young and the other one he had when he was old so the the chisha is actually younger and the Yuka is actually older but kids it becomes confusing the the whether or not you could name two of your kids the same exact name comes problematic you know somebody calls one wife calls her husband the other husband shows up the kids it becomes problematic there's a famous story with theas he he was doing a bris for his son and uh he was thinking and learning and uh they asked him what's your son's name so he said yov but his own name was jakov he thought that they were asking him what his name was they went to he said this's the story and was thinking learning he very like he wanted to like I guess first of all he always started learning especially during his son's breath he wanted to like have as of he he didn't he wasn't really holding there so much and they said said his own name so said that it's a Kem to leave his name as his father's name people should know that there are people out there that are thinking learning like that so his name isov no no we every time got they probably corrected it that's how it was says two brothers both by the name of the only time in a The Works is if it's within the time in other words if he didn't pay on time so he says every every time it's only maybe this is what you what if the bumps into the mouth in the street within the per before he supposed to pay and he tells him you know just just take my field why because it's as if the borrower is telling the lender there's no way I'm going to come up with the money you know what I it's Mar sh I bumped into you you know just you remember that collateral I gave just take it I thought about it there's no way I'm coming up with a million dollars in the next week just take the so therefore you could take BOS but if you bump in to each other the the B and the lender bumping to each other after the due date he says you know what I'm sorry I didn't pay just take my field what does that mean no when a guy bumps into you after the do that he says you know I'll just take my collateral what does it mean to you he's embarrassed he realizes he should have paid on time and he just he just got caught red-handed bumped into the guy he wasn't really serious by saying take my $2 million piece of real estate he didn't know any better he saw the the banker what is he going to do say even when you bump into him before the time you do not get that piece of real estate so why did you say take it since the lender sees them being serious I told him to take this piece of property so when the time comes he's not going to bother me so much but it didn't really mean that you should take the piece of property this feel that I'm giving you as collateral even though it's worth a lot more than the loan sometimes it works sometimes it doesn't if you bump into the guy and you see drinking cunning why why is he drinking he's he's self-healing he's like he realizes he's never going to come up with the m he decid to to go to the battle but but if you see him try running to this guy to this lender making phone calls then he's he's not giving up so quickly then he's not giving he's not giving you the coll maybe he's doing one of these maybe he's drinking because he has all these bills to pay and he has all these loans coming up and he has your loan the million dollar loan and he now he's really not that he's giving up he just wants to calm himself down a little bit maybe he's he he thinks that somebody else is going to pay here's another one somebody else will pay for it so he's making aim not that he's not that he gave up and he's not you think somebody else is going to pay for him somebody's going to step in the guy that always saves him is going to step in again this drinking I I was just reminded that on M P the villain always used to do have do on beer to show that the only reason why he's eating mat and all this you know potato cakes and whatever we eat on P lady fingers is because it's PES and the moment PES comes out I'm drinking beer I'm drinking the first moment I can they say a story that in Sans the that was the minut also to to make beer until one one year the reab tells the where's the beer have to go get beer he says don't worry I have it pulls it out of his pocket just admire he says no no no I knew the reab always wants beer I bought it P from the say [Music] so if the person doesn't want to sell anything you see that he's ask him you have money you have you have a million dollars to pay for for the loan no what about your your car collection no I'm not selling that what about your baseball card no what about your silver no so he doesn't want to sell then you could take you could take that that field that means he's not he's not playing ball here take his field maybe he doesn't want to deal with anything because if he gives you a good price on he starts selling off his cars people say oh he's desperate he needs money so then all everything becomes less valuable all his belongings become less valuable so says no no no we're not talking about all his possessions he only cared about other properties he didn't want to sell other properties in that case then you could take the property that he set aside as collateral oh so this is very interesting even though your collateral is $2 million the loan is a million so though he just said shouldn't take the $2 [Music] million you could take from the property you could take a million dollars the the property was set aside as like a penalty if you don't pay the million dollar you get the $2 million property but he never set it aside to pay the loan was more like an incentive to pay the loan but you don't take the million dollars out of the property if he said oh if he said V all that you should be this this is the property that you could you could collect from this property oh before collect but why should it work he doesn't think that he's ever goingon to have to use this property to collect from so why could you collect from it so Rashi explains very nicely what happened was here that did two conditions there's two conditions first of all I am going to if I don't pay you within three years I'm going to pay you first of all you can take the whole field if I don't pay with after three years you take the whole field the $2 million but I am going to pay you from this field this is very interesting so just pay from this field no if the three years come and I don't pay you from this field the million dollars take the whole field so so I'm doing like an as SL I'm doing two things here I'm exaggerating because I want you to know that I'm going to pay within three years so I say you could have the whole $2 million but also you should know I'm paying you from this field so the is that if just if one of the two conditions Falls away the other condition remains and the other condition is that you could take so yes you cannot collect the $2 million but the million you could collect because one condition remains just because one condition fell off doesn't mean that both conditions fall off you're gonna collect from here another story he sold a field with a a connection to real estate if I don't pay you the million dollars you take my real estate you know what if they come and take my field I want to be able to collect from the best of the best so here one second so this a guy has three Fields he has real estate he has an apartment in that's the best of the best ID has an apartment in has apartment inab Zur so the guy says I want you to guarantee me the fourth field that's not on this thing I I bought a piece of property from you I want you to guarantee it if somebody comes and takes it from me I want you to give me your apartment in your the best of the best gu not best of the best is for me I never deal with nobody touches my best of the best the best I could do for you is I could give you the apartment of I'll guarantee the apartment I'll give you not no way okay what happened was of course the they come and then they foreclose on the guy's property that he bought from him so now he's coming to collect the apartment he says okay give me the apartment CH I says no you don't understand you know what happened my apartment was destroyed in an earthquake I don't have my apartment so now my apartment in B became my the top of the top is my B the guy said no but you promis me no I said I'm not going to give you my best of my best my best of my best was today I don't have anymore it's gone so now it dropped down one level went to I cannot give you because that's the best of the best sorry I have to give you so what's you see how this whole no connection to really there's not not a lot to do with interest he guaranteed the real estate if something happens to they take it away from you I will give you another one I'll I'll replace it or he says okay they take my piece of real estate please give me me your that you have no I'm sorry can't give you the best of the best I can't give you I need that place comes tomorrow I need a place I'll give you my second best I give you then they came the the whatever bar lenders came and took away the the first piece of real estate that he bought also he came and he took the department you want to come and take the the best of the best what I told you I only said okay you're right that's what he say but says no I told you you take have exist you have now my second best that's my best the became the top I can't give you the top what does mean in this case can mean two things in a donkey or wine what does it mean here obviously wine from this wine if I don't pay you back $100 take from this wine now what happened was the wine went up in price this whole thing that a person doesn't exaggerate and doesn't give away good stuff that's a real estate because people don't want to get rid of their real estate but what's what about wine since the wine is there to be sold it's like cash anytime a person exaggerates and says if I don't pay you I will do this and this and this I'll give you my wine that's exaggeration that's called sometimes wine is very important to a person it's it's a battle you know what's his name uh Zan tski that's here almost every day he gave me a bottle just a few months ago he gave me a bottle of wine that he had in his house for 10 years saved for 10 years and gave it meant a lot it's not the price you know what it means to deal with a bottle of wine for 10 years so guy says listen if I don't pay back $100 you can have this bottle of wine that's a that's huge but it's a GMA it's the same thing as saying real estate it's an exaggeration and therefore it doesn't work and finally last here small since we say that with this field if you if I don't pay you I'll give you my field after three years the field is worth a lot more we said it doesn't work if he used it if the lender took the fruit from the field he has to give it back we have person is by mistake it's not a good so here the borrower he forgave this but by mistake I sell you I sell you fruit that doesn't exist yet you could take it back if it didn't come to the world once it come to the world says no even when it comes even before it came to the world you could take I'm sorry even though it came to the world take it B but this is the point here I admit two more lines that's wake up for the last two lines I admit that if he took fruit you don't have to return it from this says the Gar so what do you see you see that what do you mean you don't have to return the fruit why don't you have to return the fruit you don't have to return the because there was he forgave by mistake and it's considered a second ago he said forgiving by mistake is not a so which one is it difference is we said this ter a number of times read in this par when it comes to loan it's a different rules anything that looks like ribus finally got the rib last word and that looks like ribus becomes a problem so looks like an addition to what you got the he forgave you the fruit oh it's a little elra that looks like rib that's awesome when it comes to a sale and there's this extra fruit that's not a problem RAB have a wonderful week and if you're in Chicago or New York a great chabas for coming