Daf Yomi Bava Metzia Daf 67 by R’ Eli Stefansky

[Music] good morning welcome welcome to all the guests welcome back your official and we have an man here what's your name the family here in Chicago big this week we have some nephews all the way from stuff so before I forget today s a 10year old girl um okay here we are B if everything goes as planned Z is in the house um Monday is going to be our last day here in Chicago for until summer tomorrow B she at 800m change of time 8 there's something going on I think after some sort of gathering here in the community so we decided to do it since I want to go through some of the um some of the that we learned this uh week week and a half we could we could skip a little bit further until we get into maybe oh so just to review a lot of it is po a lot of it is not Riv just is a terminology of where you determine the rivus all the way in vance is sort of like when you steal you could give it back that's allowed you're not allow to steal but if you give it back you're say sa saw we all I mean anybody that was around a little bit in is the borrowing one measurement and giving back the same item the same measurement is a problem of ribus because what if the item goes up in value then we had a whole pis pis is a forward contract which basically you give somebody money you say okay you'll give me the fruit later on in the year later on the year it could go up in price so that would be awesome for rivis but if you have one of these two things one of them is yes if the seller has it in stock then he doesn't have to give it to you right now there's another thing called Y where it there's a a strong market for you know a day or two where there's a no price you can go get this item anywhere for this price so that's also okay har ribus is a mus of looks like ribus it looks like looks harib then we learned the famous CL and ribus which is anything that you pay for waiting on the money you want the money now but you'll wait a little bit to take the money if the guy adds a little bit that's for waiting that is rib we don't have to go into oh today we're actually going to talk a little bit about this means giving a collateral but you remove you take off so let's say you give somebody a field as collateral he goes ahead and takes the fruit off the field so if you deduct means to deduct from the the loan you take a little bit off the loan so that could be okay we'll see this is a mus that we we talked about I don't know how much we need but for now there's a difference between this and let's say if you put yourself in a position where you hardly going to lose the the chances of you losing are are very very small but the chances of you gaining are large so that's a big problem of ribus if it's 5050 it's less of an issue ribb m is if you give somebody in advance you pay him off in advance let's say you buy him a gift so he gives you a loan so you're giving the the interest in advance that's rib M the big that we had the other day where you promise way more and you let's say you tell the guy I'm going to take a million doll Dollar Loan and if I don't pay you back you get $2 million from me so that's because he's you're so sure you're going to pay back the loan the million dollars that you give him this collateral worth $2 million at the end of the day you didn't pay back the loan so guy wants your $2 million say no I didn't mean that we that if there's a very big chance that there's not going to be ribbers why because let's say the borrower is going to pay you back on time and then there zero interest so that's a big chance it won't be RIS and that is according to that the Su that we're dealing with today we're starting out with is what we ended off yesterday means you by mistake you forgave something you forgave the the the extra whatever it was so we're holding all the way on the bottom of let me oh hold on let me just I want to read this email just one email dear bell mar du from Bor from the UK sharing another kiss from today's that occurred during the those reading from the reads so that's like for it's next week it doesn't really matter read it today asaz read it next week but the point we're still going to be in next week we're almost I mean we have another like eight nine days left was it that hard I'm serious it is I think as love was harder personally we had many pro B that was hard I don't know I think it's just a bad rap anyway so it says in about clear warning the while we're learning the just about the but the moments you're reminded about the during okay guy told me in today that he started the D I forgot what peric here in Chicago and uh he's in his 40s and it's the first time he learned gamarra since 8th grade so he opens up the gar he comes toone Shone he opens up the G to the peric that he learned in aric Crown in walks RAB Cen from aric crown and sits down like over there he says a kiss from Hashem because the first time he earned gor in close to 30 years in walks his re that taught him that over there and that's the first time okay anyway see this all time by anous for the sa it's return of all the hostages all really burn continues to spread my par yeah I wanted to say talk about him I guess it's tomorrow Sunday um I quote him all the time um I don't know what comes to mind I just said the story about the um the story that's with him I think he was put his head heed to fill up his sink in his kitchen and put his head in there and wait there for a whole bunch of time and then he come out say I could appreciate the ear in New York and you complain about all the pollution and this you know what without air without oxygen it's not so things like that he thought about the small things about the teeth we I just mentioned when was the last time we daved or thaned hem about our teeth each tooth when he's older and his I don't know 80s 90s he had all his teeth everything that we have the fingers he thought that's how his thought was to talk about all the small things and everything that created in human being um fman my grandfather's and the MD headquarter Coffee corner for the week zacharo that I finally find a job oh maybe here in uh MD can help him find a job but really I thought it's people told me tomorrow but okay shabas either way so we're in both we're on the end of shabas we're still wearing the tie and we're already after I was sitting in front of is of the opinion that when you have a he later on says we have a certain we don't take the fruit out like we had the story where a person bought fruit um future fruit and the guy went ahead and he ate we don't take it out so says ra I have question I was going to ask him a bomb question we're going to talk about in a second prevented he realized right away what I was about to ask him he said oh I have a terce from what's the question so if you don't remember if you weren't part of the she during so we have here guy's buying some I don't know I don't even know that the this Tesla exists but whatever goes I already told you the price is 60,000 come on buddy I know you can give me this this for 50 Grand or no is like this if a guy paid 50,000 but it's really worth 60 so then the seller lost a six if he paid he overpaid send the buyer e a know goes both ways if you pay six more than the market price or six less it's a either for the buyer the S okay so you have to give back especially if it's drop more than a six you have to get the whole the whole M goes five out the window you have to give it all back so what about the fact that the the buyer didn't know that he's getting overcharged it's a to and we say how then he tells me oh I'll bring you from is what's isus is if you want to know the word isus comes from the word Isle so we have like a uh you have a guy work is is a is a woman who's like a a male Ram she cannot have children her whole everything about her physically is is off she doesn't she doesn't have the capability of having children so a person who marries an islandness is there's no marriage the end of the day it's what does that mean there's some going on she is Michael the husband for for different things that he used fruit whatever it is the the earnings he had from the nursing home from the it's a mistake so first let's seeis lot of talking today man says there's a father a mother and a brother and a young girl the father goes five he goes bye-bye so the mother or the brother they marry off the daughter the sister daughter and that's only married off to and uh yes could this could just break the marriage just by saying she doesn't want to get married shom sh so that's what that's that's is I don't want you oh is something like this so this is out of the I just wanted to show you what this is what the chart looked like in the art scroll okay if you had a art scroll yeah a chart and this is what our chart looked like B kiter it the guys moved was more interesting than this this is this is actually a chart of secondary relatives that you're to marry not so these secondary relatives and that's what we're talking about now this woman who can't have children what does mean and this means they don't have a but also is referring to in the says that this what is me lot of today your first time in the D I feel bad I mean feel good because you're learning a lot of new stuff but might be a little overwhelm but hopefully you know what this is just for reminding is when the woman comes into the marriage let's say with a nursing home so her husband could benefit from the nursing home he takes all the payr he takes all the income from the nursing home everything goes to him and when they get divorced or if he dies the nursing homes goes right back to her as is so whatever the price if it went down in value went from a million to 600 that's all she gets 600 so we're talking about ID here to about a woman who can't have children she brings in this nursing home he benefited for years he's taking he's the big Veer of the city turns out he's never married to her so does he have to pay her back or all that money all that income the answer is no she's so what is that called there's a mistake going on here and now he wants she wants the money back no you don't get the money back so you see is okay so all theis that he used just refering to these are all cases of things that let's say oh this is a good one sure get on this guy's case he's good good guy told me today he's coming so m is just a let's say the husband went on a trip the wife didn't have what to eat she went ahead and she took out a loan ah remember this story maybe official you remember there was a guy who told his wife oh yeah now I'm remember guy told his wife he went on a trip he says don't worry about it I spoke to the the of the city care of you he went on the trip so she went knocked on his door says my husband said you're going to take care of me he says yeah yeah Tak what happened remind me yeah he went on trip okay good he takes out he starts giving your money and then the husband comes back from his trip and he sees his wife is not living good says what happen she you know you told me to go to the G she goes to the G and the g didn't he was known as a guy that's very stingy that didn't help anybody turns out that he wasn't such a guy and then the husband wanted to pay him but he didn't want to take the money something like he wanted this anyway went to or something fine so that's what happened here she went borrowed money the husband doesn't have to pay for that why they're not married now it was a mistake the whole marriage was was was false she was she was she's a she's also the same idea she comes into the marriage with a bunch of clothing in those days clothing with the whole day he doesn't have to pay for the clo so it's a says no none of the none of this is is okay not the question not the answer not my question not's answer not my question what about is that somebody was cheated a six he didn't know you go to the store they tell you this a price he paid so there's a mistake here without knowing and you have to give it back so you see that you have to give it back why that's not a good question there's no over here he had no idea that there was a so that doesn't make a difference that's not a right to our talking about that the person knows and from doesn't help us why she's a woman can't have children is really really bad for her she has a funny voice she sounds like a like a man her whole body looks everything's off so she is not good so she go around telling people oh I'm married I don't know if you notice I personally just noticed now in my M I hope they're not listening now because some my friends going to get upset I could be like it took me all the I noticed now these they walk around like with a like a jump in their step their head is a little higher you you know I'm married I got married like none of you guys did it oh we I just certain like a certain no not self-confidence a certain like person want that feels good I once heard this a story that guy he could he wasn't getting married he's read stories whatever so he he felt uncomfortable because he would go to SCH and he he wasn't wearing he's the only guy not wearing stro his beard starting to get a little gray and this isn't that no Strang so he went to America told everybody he's getting married in a month then he came back from Mar a whole story where he comes back and he says oh I got married I got divorced so now he can wear stal he's he's happy to wear you feel good that that that you're married okay says there's a woman her name was go ahead and buy a property from my relative know if I go to him either he won't sell to me you'll take a higher price you go you get it from me so oh we want to say to grandfather no doesn't he watch not live He's GNA see it your anle is here watching R so so he goes to purchase it so the seller tells the agent listen if I ever come upon money can I buy the property back what is the answer you and this woman that I'm buying it for your brothers your relatives you you you'll figure it out don't worry about it so wants to know what is this Lush you'll figure it out he didn't say yes he didn't say no he's kind of PIR again the seller says do I have the right to repurchase my house back I'm desperate for money today but one day if I win the lottery I want to be able to buy the house back so what does he say he says you you'll work it out with your relative with na the buyer is your you work it out is that a yes or no or it's a maybe okay so we're gonna have a whole about that wants to know what about the Paris if a person says like that the seller is excited about this to to the seller that means deal okay don't worry about it your relative will sell it back to you and therefore he's not completely selling it oh now comes your question okay he made a deal he's goingon to give back the house he gives it back per what about the fruit so typically the fruit is a problem of ribus so says is this considered why because the buyer Nava is getting back her entire investment she paid a million dollar for the apartment let's a field might be a little easier to she she paid a million dollar for the field she got the the million dollars back plus for the last 10 years she benefited from all the fruit the benefit of the fruit is rivus it's interest on top of the million dollar so could the original owner sewer and bz and and recoup all that fruit because we know that when it's rib you could recoup that all in B perhaps this is only rib and you cannot get a B from bz we're going to see why it's there a because at the end of the day ribus is more in a loan this wasn't a loone what happened over here this was a sale there's a property purchased and the money was returned it's a sale very interesting think about this you buy let's say you buy a car okay buy a car drive it around for three weeks and it's a lemon so you give it back buy a computer buy a computer buy you don't like it the store has a policy you could give it back within 30 days use it you give it back they give you back all your money but you had benefit for two weeks on somebody's computer why is that not rivus anybody at that point you own the computer it's yours 100% but what do you you oh you're saying good you're saying we're going to see in the gar that when you own something perhaps it's not rivis when you own it it might not be real we'll see goes into that but you're saying good you're saying good but nevertheless you got benefit you drove around the car you didn't have to rent the car for two weeks in New York it's $1,000 a week my friend says you got a $2,000 benefit plus you got your $50,000 back for the Cameron everything so you got $52,000 back why is that not Rivers okay so let's see so I know you should know that in larger items it might be a problem and in smaller it says we're not today you go to the store you give back a toy had a little but on a large thing might be just a quick Story the maral's wife was very so one day the mar and his wife were looking out the window and they see The Neighbor Next Door was a known G very wealthy guy his business was to lend money with rivers Jew lend money with rivers so he's walking the the neighbor's walking past the window and the neighbor goes like this so there's like some dust that flew out of the guy's coat so the M said to his wife ah that's a vak ribus because he got the coat from ribus so she looked at him and she said what you just said is a says I believe this is only again what's yeah so now we don't have to be scared of these the terms the terminology we he this in five years from now somebody's talking we know the dust of that's all it means cannot force somebody to give it back to you and B by the way obviously when it comes to rib you if you want to be and everything you have to give it back can't say oh best can't force me if you want to be a good year you have to give it back I mean a lot of it could be that we are n here and there once in a while on things like this like on a computer we have no idea to even think about it now we know so somebody wakes you up and says by the way your whole life you're over a at least Aus because of this computer stuff because of this let me ask you something you said it was so when I was a b we used to go not me but my friends would go to this uh store like CCO buy a TV and a VCR for Ben manam use it for two weeks watch 100 videos on it vhs's and then give it back so it was yours it was never yours you never intended it to be yours so you got you got all your money back plus free usage of a TV I'm telling you people used to do this stuff you know what I'm talking about that might be G right it is G right I I think it's G but no but it's within the policy it's in the policy of CCO you're allowed to do that in CCO but it might be ribus CCO knows you're going do doesn't matter but you got all your money back plus he got usage that I'm just throwing it out there Costco guarantees that be unhappy with yeah but here you weren't unhappy you were happy with very happy a little bit too happy yeah okay I hear I'm just throwing it out there that it's not not yours yeah certain certain stores don't sell to certain communities okay also agrees that this is and you cannot pull it out it out with the again every time it says RAB over here doesn't really say but it's ra that just finished talking so it's very possible that AB was talking back to there's a problem between and oh so now we're going back to this idea of mas very very simple it's not a confusing thing we do this all the time it's things that a lot of people in this room have done we take a loan from A bank and we give a collateral a house is collateral that's it I want to I don't have money I want a a loan from A bank I said listen trust me I'm going to pay you back because here's my house in here's my house in Miami whatever here's the house now what about all the fruit that comes off all the profit that comes off this field that I gave you as collateral what we just said we said it's in our case again we had a case where a woman bought property and she used all the fruit she had fruit but she made a deal her name was Nava she made a deal with her relative that if he ever comes with money he could buy it back from her and we said that's a case of rib she get she got all her money back and she used the fruit but over there there's never stipulation that she could use the fruit not use the fruit she bought the property straight out there's no no oh you could use the fruit or can't use the fruit the guy just asked nicely when he sold it can I buy it back he there was never a discussion could NAA use the fruit of course you can use the fruit so that's not ribis ribis means at the time of a loan at the time of a sale we stipulate we say at the end of the day you're going to have to pay me back another $100 on top of this that's not what happened over there it it turned out after five years that there was a problem of ribus there was there was fruit that was used there so maybe that's why over there it's only because the they never discussed it not it wasn't in advance they didn't know that there's going to be rivers in advance so in our case also when you give somebody collateral feel there's no discussion about the fruit over there by the woman by NA was a sale so by a sale it's only aib it's only there AB botom because that's not what the said said ribus isn't alone it wasn't alone it was so maybe over here it's worse because I'm giving you collateral for a loan I go to bank right we had the bankers here on Friday we Lou call and we were discussing with them is it a SM not a the whole thing they didn't like the whole as thing we didn't understand why but the bottom line is people do this all the time he says I do and he said straight out sometimes for a million dollar loan I take $2 million collateral he started telling us because it's very expensive the the lawyer fees and the this and the holding at the end of the day we only walk away with a million out of 2 million F what everything all the fees for the loans you know it's not at the end of the day he said no the reason there's two so again there's two reasons why when you in the case with the woman when she want the the the seller wanted his field back over there it's only rib a because it's a sale not alone B because it's l cuts it wasn't determined to begin with wasn't predetermined what the amount is and if there's going to be ribbers at all so says no it's because of the reason also there's no we're running out of time fine so the idea is that by us even by alone since it's not obvious that it's going to be Ribbit they didn't discuss it we don't know how much that it's not it's not had a case where there was a field that was sold and he said no this is a I disagree with you this is you said in in the beginning that you have the ability to buy the field back therefore everything all the fruit from the ears all of is all ribus and it ribb and AZ could pull it out of you interesting ah he takes it out over here yeah this's another gear that's one okay there's a lot of different Ras I told you I once counted like 52 Ras in J if his name is Rob it's another one because over here says anyways over what do you guys have okay oh so we have two types of very very simple there's a place where the borrower could come and Chuck you out of the collateral yeah I think today is like it's like that let's say you give the bank you borrow a million dollars from the bank and you give them a collateral a house so at any given time you can go back to the bank and give them a million dollars they get house back you don't have to wait till the end of the term of the loan right that's how typically it's done so that's called at a place that you could get rid of the loan at any given time cluse for that what for that early payments early payment yeah what is it called those fees um payment prepayment penalty prepayment penalty has another thing you know what it's called okay something else like got fancy word anyway oh now you have as a place that they can never get rid of you until the end of the term so what's as follows in a place where it's like this that you can't get rid of the guy then it's considered that guys he bought it for five years for the term of the load it's his 100% nobody can take him out of there so it's his so if it's his all the fruit that he's eating is not Rivers it's his looking at the moment I could buy your house legally for five years and after five years it's not mine anymore I don't know people buy houses for 99 years yeah for not but for 99 years it's mine there's yusha there's this that the whole it's mine 100% I can knock it down I can do this whatever I want to do it's mine so the guy has a term it's a 5-year loan a three-year loan a 100-year loan and it got a collateral and it's in a place where I cannot prepay and I cannot kick you out of there so it's the guys 100% so there's no Ribbit but if it's a place like this that I get I can get thrown out in any given time so it's not mine really it's fake so me eating fruit there is rivit it's on top of the loan that I'm getting I'm gonna get back PID I'm gonna get paid 100% I'm getting so there's a little way out of this and that is if I have to chop off the loan a little bit every single year I have to take off because I have the right to eat the fruit now it's not going to match up to the fruit I could eat a million dollars worth of fruit we're going to take off the loan $10 but at the end of the day I'm paying for my right to eat the fruit so it's a way out of it no no feel like it whatever there's a there's a if you want to know there's a certain like maybe in larger loans if you prepay it early you pay crazy amount the closer it gets to the term the lower the amount the feas the feas the feas that's the word I was looking fine the Fe anyway fine yeah look up that word now tell you what that means says if it's in a place so this is not like a sale it's a place where we you get thrown out so you don't really own it if you ate if the guy the the lender ate fruit for the amount of the entire load get rid of him like us yeah on on PES we had to tickle too much we're all if he ate more than the loone just remind the famous M this kid was very heavy they couldn't like get him on control going to all psychologist do so they went to like says check the M they found it the inad F so anything above the loan that's already it's it's ribus it's a ribus it's only the we can't take it out of him we can't we can't force him to pay it back so again the guy takes a million dollar loan he ate a million2 of of fruit so the million doll loan is wiped out the $200,000 we can't take out of him but what if he had two loans with this baby two $1 million loans one is wiped out now I want to take the $200,000 from this loan from the collateral and apply it to the second loan no you can't apply from the I didn't even know I don't want to forget to say this I I could have said it before say later it's just interesting like if a guy gives you a thank you so much for the unbelievable loan you gave me yeah let's say didn't go to doesn't know it's AES thank you for the loan thank big giant you could the guy that sent the sh could deduct sh from the loan that's what we're talking about over here taking because was ribus it's it's ribus whatever you could you hear what's going on I just saying things like that things that could be isn't there a place the mention you can't even give a guy special yeah thank you yeah yeah we mentioned it how you translate that into Financial no so that's not Financial that's already and then it's more than that it's pre pre let's say you know you want to take a loan after from L colum so you start sending stuff you know and then a half a year later knock knock oh it's me so that's rub that's these are we're going to get to so we mentioned them we had ready sorry the same case that happened to Young if he eats the if he has he he ate fruit the Mount of the loan we get rid of it we do take the extra ribbers out why and we could apply the extra ribus to another Lo why so Rashi says over here let me just see if I have it oh here says this happens to be the father of the and they are going to tell the person don't eat the fruit and if you do eat the fruit now you become a ghav and now if you're a GH I can take it out and that's once you already established that the extra amount the extra fruit is considered to ribus that's why I can't take it out in oh so so then the original amount is also of the riv and I can't take it out so so then I can't use all the fruit that I ate and say that that will apply it towards the loan how can you do that that's forcing a guy to pay money on the r ribus once you establish that we're talking about the r ribus not the ribb so how in the world could you say that the the fruit that he ate which is the Rabon ribus should be applied towards the loan that's something that only bezin could do and bz doesn't deal with the rib so if you want him to to leave if you want you have to pay him you have to pay the Mal it's only we see from here that it's only the and has no they don't get involved with Riv said no the younger are considered like older in other words we don't we don't take the extra and give them we don't do anything we don't say oh bz is their father spor by fishal fromal in honor of the respons for the daily learning and by kidovations in honor of my [Music] uncle I'm saying the name oh so now it sounds comp Bo like these are the easiest things are you still struggling here it's easy serious in the live they're live in why it's already 7:15 in the morning wow all you guys in mdy thank you for being there see you soon okay so so I gotta hurry up what time is it in N TR ah so we'll be done before shers over there okay great so maybe watching it on delay we'll see okay so we discussed this this is easy again a guy wants a loan from A bank he gives a collateral that's a Mas if you want if he wants to eat the fruit from this field it's ribus so the way he could do it is if he deducts if the lender deducts you the bank little a little bit m a little bit it's a trick it's a little bit of a workaround if the bank says you know what because you allow the bank you allow the lender to eat all this fruit we are going to give you a reduction on your loan every year your loan goes down a little bit we're going to pay some pay down the principle a little bit that's and then it's okay however we got to see rash inside n lines down has to make his way straight right the famous has to you have to be yourself in even things that are M to you so yes a regular person is M to use this trick not why not he says beautiful people will look at and say oh you to take it easy with so therefore should not eat and not use this fruit even if you're gonna do the trick of so how how is he gonna do it then how's gonna get around it I'm G explain what that means it means that there's a limit to the amount of time that he could use the fruit and we're going to see what that means that's good if you say that is something that's permitted what he do so there is a way around that also there is a way for to benefit from again is a wealthy guy let's has a lot of money he lent money and he took a collateral field could he use the fruit or not he wants to use the fruit what should he do we just said he shouldn't do it just a little bit of reduction that's not enough for oh so what do we do we learned what is it they make a deal it's a 10 year deal five years the is going to eat fruit all day long and after five years I'm going to deduct from the loan the value of all the fruit here what's going on here what is that Colden English it could be like an artist like a Shear craer we're Partners five years me five years you so we're Partners oh if we're partners then it's not rib us anymore that's one way that so we have you allowed to do it so Works according to another doesn't work so what's do another law that says see if I can get to it oh there's another that says that if you don't deduct a little bit every year there's no way around this okay so let me just see it again according to the first you could you get away without and according second you need if you take out that's without if you say without without okay but if you take off a little bit every year then it's okay so here's the problem according to the says that even when you take off a little bit every year it's G to use this field what's the trick says now why not Oops I did something funny okay means basically there's a deduction a yearly deduction but we don't have to go into the year we're not going to discuss the yearly deduction at the end of the term there's no money involved the the borrower doesn't have to pay back anything I'm giving you this field as collateral you used the field for five years and then I don't owe you anything I don't know you thing in that case it's that's called they both say so listen to this three different things could happen here again you have a ask the ask is it simple in a play it's in your head it's M from E you have a place that they you cannot prepay if you can't prepay every Ser what is it it's like a it's like a sale it's yours 100% And you have a place that you could prepay so let me ask you in a place that you can that you cannot prepay does AAR get you have a not you the malva has a and he dies the malva dies does the get part of that field the collateral does it get a double why not again why you get the same share the other brother why get he gets two he gets two shares of everything and this field is Bel nobody can take him out of the field he's M much like an owner so he's M much like a owner he should get two parts so is that's all thear says here next but in a place that you could remove him then it's not so he doesn't get two parts and there other two similar that in a place that you could get rid of the guy it's not considered his so it's not considered his if he owes money to somebody else this big lender owes money to other people they can't take this field it's not his can take out can take two parts very interesting by the way stop it's a the's brother he says that in the word you see that a takes two parts how how spell B is two * one is 2 time 10 and ra is two * 100 in other words all the main numbers one 10 and 100 means two times nice I thought it was a nice uh huh not always but a lot of times anyway so the famous you know if you don't write a nowadays the gets of all loans it's not considered as if he got paid so if it's not considered if it's considered he got paid with this field then cannot do anything about it but if it's not considered he got paid with the field then will destroy the loan we get rid of the loan and now the just repeats in a place where there's a prepayment penalty or the you can never prepay so then it's considered the lenders the field is considered lenders therefore then if that lender owes money to somebody else that creditor could come and grab the field could grab his two parts and cannot destroy the loan because it's as if he got paid with his field and this field is in his possession again we're just going through this business and if if a person has collateral but the the borrower could get rid of the collateral at any given time whatever he feels like he just p off the load and take back his field picture here abya is just uh one of these sheets that they would put underneath the I guess I didn't know that they did this but these palm trees are very very tall so how you going to get up there today we have machines and things so you just wait for the for the dates to fall down so how do you collect them you put a sheet out there now the sheet doesn't make a Kenyon for you if it's in a basket certain places remember you had something on on the r GRE you can't take it the people own it this guy up up there picking the tree falls down no no we're talking about we're talking about that this these palm trees were given to him as collateral now what happened was the guy comes back one day and says oh I want to pay back my loan give me what about the dates that fell off the tree so if he made a Kenyon with it he made a they were in a basket and he lifted it up then there is but if they just landed on his own blanket blanket is not a Kenya even though it's on top of the blanket if he picked it up in a basket it's his what about the fact wear we didn't learn yet we spoke about it but the main that if you if you have a blanket in the in the in the property of it's the it's owned by the person trying to make the K but it's in the it's in the property of the seller you could you could be the date with your blanket even though you didn't lift it up it's your CLE and it fell into your what about a place where the guy could pay back his loan whenever he wants take back to Collateral but the lender said even though this neighborhood in Chicago this is what we do we could prepay whenever we want but the said I'm only going to give you the loan on condition that you don't prepay a condition you can make any condition you want when it comes to M I can make a condition you stand on your head for 20 hours straight I'm make a condition you cannot prepaid so it's a deal deal is a deal but what about in the place he's trying to be a nice guy it's you cannot prep and he says I will let you prepay so it was just words do I have to make a kenion to make his words real or not typically you could be M but how I can't be M something that I already own I can't take something I own I can't be my house to you I own it the only way do I I have to convey it to you with a kinion I can't just say words if I'm making a I could say with words but over here it's already mine how can I take it away from myself just with words works over here you do have to make a so here is a very interesting I don't expect anybody to remember this very interesting if I could prepay the loan says I don't have to prepay all I need to do is say I am going to prepaid today I'm I'm going to the bank right now I'm coming back in an hour so if this within 24 hours whatever you're done you can't you can't start picking fruit real quickly as he goes to the bank once he says he's going to pay today that's it you're locked no more fruit interesting no he didn't pay he said he's going to pay too bad that's it it's over I'm look I'm that's too much one last thing and he cannot eat once he says he's going to get the fruit even if he doesn't even if he has to be go one more line then we're not to eat when we said top of the that should be even if you pay every year a little bit you shouldn't eat from the fruit said you're not going to believe this huh and with this we're finished didn't consider himself a you believe what's going on there the one who wrote the I saying today everybody go big FR hat didn't consider himself I'm serious look he didn't consider himself have a wonderful day a week tomorrow B at 8:00 for