Evil People To Watch Out For | NITZAVIM | STUMP THE RABBI (280)

We're back here on our Wednesday night stump. We're after some you guys will ask some questions and will give us the answers. Tonight show is going to be for the format and all of Amis is all the righteous noises that continue to support and become bigger and bigger partners with our organization. anyone that has not donated yet for our high holidays campaign, the uh miracle campaign as we call it, because countless people have received endless miracles uh over the years from uh donating generously to that campaign. You can go to bhr.org or bhyk.org. Uh that's our high holiday campaign where those those of you that um can and uh and want to can be part of something bigger than we've ever done before. And uh I also highly recommend anyone who doesn't know some of the background of what's uh gone on over the last uh 12 years or so to watch the video that uh we uh published earlier today about uh the background story of bezelm and how it started where it was where it is and beem where we're going past present and future is what it's called. So, Rabay Khaleim, evil people to watch out for. That's what we're going to talk about. Since the podcast interview about cash advance trap aired and reached tens of thousands of people, countless people have reached out to me to let me know that I was actually wrong about one thing in regards to cash advance. Yes, I was wrong. It's possible for me to be wrong. I'm still human after all. And what I was wrong about was that it's actually much worse than what we thought. Meaning that as bad as we've showed you over the last seven years of speaking out against the merchant cash advance industry, we didn't realize it's actually worse than that. In fact, the tragic stories we keep getting on a regular basis simply are not enough because they keep getting suppressed each story worse than the next. And this whole saying of how they only deal with the goim was actually proven to be a complete lie by the industry. like everything else they do. Tonight, you'll actually hear some examples, some real life examples, some details, a little bit of good news as well, miraculous news. But nonetheless, you have to ask yourself a question of why does this matter to you? You're not a cash advance uh broker. Hopefully, you're not a customer hopefully or a victim, but it still matters to you. Instead, instead of thinking that it doesn't matter to you, you should actually realize this matters to you and every single Jew in the world much more than you think. This week's par shows us that the worst curse in the Torah is the one that looks like a blessing and the worst punishment is given to those who remain silent about it. This will be followed by your questions and answers and we will succeed. starts off with a continuation of last week's that ended up with a whole list of curses that the sinners get from a kadu himself. Not from a cabalist, not from a prophet, not from a but rather from a himself. In fact, the para starts off by saying, "You are standing today, all of you, before Hashem, your God, the heads of your tribes, your elders, and your officers, all the men of Israel, your small children, your women, your converts, who is in the midst of your camp, from the heer of your wood to the drawer of your water, for you to pass into the covenant of Hashem, your God and into his imprecation that Hashem your God seals with you today. Right away tells us that all of you without exception young or old male or female naturalborn Jew or a convert you're all in front of. This is exactly what the says in that on judgment day judges each one of the people in this world both Jews and Gentiles like a shepherd count sheep one by one but interestingly enough mentions that it's a covenant meaning that This brit that the puk says is a eternal deal unbreakable. It doesn't matter whether you agree with it or not. It doesn't matter whether you believe the Torah was given to us at Mount Si or not. It doesn't matter if [snorts] you want to be religious or not. You are part of this. But even more interesting that the Torah tells us and into his impreation that Hashem your God seals with you today. again emphasizing that it's sealed, unchangeable. Even though it was signed and sealed over 3,300 years ago, it has never changed and never will. But what's very interesting is that the word bal translates into the word impreation. Now, if you're not a well- read person, this doesn't mean anything to you. But if you look it up in a dictionary, you see that the translators chose the perfect word for bal. Why? Because it means a spoken curse. In so many words, what is telling us is that yes, this br this covenant comes with a curse for those who choose to violate it. It's not this or this, rather this and this. It's a breit that's unchangeable. It's a covenant that is something beyond the scope of our understanding because it's eternal and it is a curse. Why a curse? Because if you violate it, then it becomes a cause and effect. Not like what people think. Well, if you do something and if you run away and you won't see your friends anyway anymore, you won't see your your family anymore. No, because technically even if you run away, you can still see your friends and you can still return here. Torah says this is this curse is not like that. This covenant is a curse, too. Why? It's a cause and effect. If you jump off a cliff, you will fall. There is no other way. You're not going to suddenly grow wings and start flying. If you put your hand in fire, you'll burn. You won't suddenly become desensitized. It'll burn your finger and it'll hurt no matter who you are. says this eternal covenant is also a curse. They come together. But what about those that say, "Well, I don't remember being at Mount Si or I don't believe like someone told me today, I don't believe that God gave the Torah at Mount Si. I like the mitzvot. They're interesting to me, but what if I just keep them? I keep all the mitzvot. I put on to I keep Shabbat, but I don't believe that the Torah was given a mount Sai. Do I still get to go to heaven? And the answer is no. Why? If you don't believe the Torah is was given to us in Mount Si, then you are by definition a heretic that has no share of the world to come. And therefore, the Torah says for all of you that think that maybe you don't remember it, maybe this or maybe that. The Torah says in verse number 13 in chapter 29 of Deuteronomy, not with you alone do I seal this covenant and this imprecation. Again, imprecation means a spoken curse. But with whoever is here standing with us today before Hashem our God and with whoever is not here with us today, whether you showed up to this shure and you watched it or you did not, you are still subject to these rules. Whether you read the Torah or not, you are still subject to these rules. Whether you believe it or not, you're still subject to these rules. And then starts reminding us of some of the things that he knows that are going to be the pitfalls of the future i.e. today. He says, "For you know how we dwelt in the land of Egypt and how we passed through the midst of the nations through whom you passed, and you saw their abominations and their detestable idols of wood and stone, of silver and gold that were with them." Hashem is warning us not to fall for these pit for these pitfalls specifically the abominable and detestable idol worship whether it's foreign religions that are antithetical to the Torah whether it be the Ishmael or Adam or atheism or Even the recently invented new religion that they also like to call nohaidism where instead of being a righteous noahide that follows the laws that are applicable to the Gentiles, some people decided to turn it into a religion where they give him prayer books. books and specific type of lessons opposite of what the sages taught us. One of the things that the Gentiles are not allowed to do, the Rambam says, is invent a new religion. Once you start turning being a Noahide into a religion rather than just simply a status, no different than the different status that there is in the Torah for Jews. There's a kohhen, there's a levie, there's there's a there's a convert, there is a uh there's a there's all different statuses that a person is that au decreed and being a no is also a certain status. But if you turn it into religion, you're inventing a religion. says stay away from the abominations. Stay away from the detestable idols. And then he gives examples years ago. I had this where we know already the [snorts] the wood is symbolic of Christianity. The cross that they say that their false god died on stone is symbolic of the Mecca stone. When Ishmael and his descendants prayed towards the stone and around it preaching how they believe that au forefather built this stone. They actually believe this. But what about silver and gold? Silver in Hebrew is kf. Kes also means money. And the religion of money says the balmtov is the new false god. Save me from money. The money god. Hashem says the balm and gold has always been symbolic of honor cav. Some people turn their cav into their own god. This is the reason why the sages teach that a person that has arrogance cannot be connected to Hashem because Hashem cannot stand next to someone that thinks he is more than what he is. These four different categories of idolatry, Hashem calls them abominations, detestable. And what we see here is that is telling us if you're going to fall for the money god, you're going to be partners in the crime that everyone is going to suffer from. How do we know? The Torah continues in verse number 17 and says, "Perhaps there is among you a man or a woman or a family or tribe whose heart turns away today from being with Hashem, your God, and to go and serve the gods of the nations. Perhaps there is among you a root flourishing with gull and wormwood. And it will be that when he hears the words of this imprecation, he will bless himself in his heart, saying, "Peace will be with me, though I walk as my heart sees fit." Thereby adding the water upon the thirsty. When we look at the verses, we see that there's a clear message from Hashem. But when we want to see further clarification, we have to look at what the sages explained. When the Torah says that if there was somebody among us that started to act like the nations, someone that's flourishing with gold and wormwood. Rashi says this is referring to Hashem warning us to be careful not to have many people among us who are causing evil. Evil is always something that existed in the world and will continue existing until Mashiach comes. But we have no permission to just let it be. When we have among us many people that cause evil, it puts all of us in jeopardy. Just like if someone decided to put a hole in the bottom of a boat just because he wanted to have a jacuzzi in his uh in his room, the rest of the passengers of that boat will do everything and they they can to stop him. Why? because if he continues with his foolishness they'll drown everyone. Rashi says over there is telling you be careful not to have many people among you that are causing evil. Why should I be careful if he's the one that's lending money at a th000% interest? Why is it my problem? He's doing it. I can't stop him. He is uh ruining people's lives. Even if I tell him to stop, he won't stop. So why is it my problem? Says the Torah, and it will be when he hears the words of this imprecation, he will bless himself in his heart, saying, "Peace will be with me." says, "When you hear that this is a curse, that you're not allowed to have evil people among you and remain quiet and you still decide to remain quiet because you're too busy running your businesses because you don't think that what you're going to say is going to matter because you feel like it's none of your business, then in essence, what you're saying to I'm going to just simply ignore the fact that we are one nation that we're all responsible for each other and I'm going to do what I want. Says you're blessing yourself saying peace will be upon me even though I'm doing whatever I want and not what the Torah says. Therefore, says Hashem will not be willing to forgive him. For then, Hashem's anger and jealousy will smoke against that man, and the entire impreation written in his book will come down upon him, and Hashem will erase his name from under the heavens. One of the worst possible things that could happen to a person is that when they think that when Hashem gives them a lot of money from an unethical business, it's a blessing. They're able to buy themselves the new car they wanted, the houses they wanted, they get the girl they wanted, they get the watch they wanted. They could even get daka like they wanted. But Hashem says if it's coming in a way that's against me, it's not. It looks like a blessing to you because you're disconnected from the Torah. But in reality, it's a curse. And that's what makes it really hard for people to understand if they're not connected to Hashem. And in fact the when he hears the words of this impreation Rashi says this is when decides that after you hear that you're not allowed to do something and you still decide to do it then not only does a person get punished for going against Hashem intentionally, but rather all of the unintentional sins that the person has made in the past now turn into purposeful sins. Meaning he made a mistake and violated Shabbat. But he's a Shabbat overall. But he forgot it was Shabbat. He forgot what he was doing. He turned on the light. He ate something noncosher by accident, but then he put it down. So these are accidental sins. [snorts] The fact that he knows that cash advance is ruining people's lives and is against the Torah, but he chooses to ignore it. Hashem says, "You ignored my mitzvah. You ignored my Torah." Guess what? It's not only that you're going to get punished for the intentional sin, but all of those accidental sins that I put on the side, now I'm turning all of them into intentional sins. And you, the one that hears this, that's not involved in the horrible business, you that is not involved in the sins, but you choose to remain quiet saying peace will be upon me. I'm not in that business. What should I care? You're also in trouble, says the Torah. Hashem will not forgive such a person. That's how horrible it is. Example says that initially was going to punish the sinners. But when the Satan came and said, "Look, all of these people that are Shabbat, rabbis, leaders, gifts, daka, they should be punished even more because they knew these people were doing unethical business. And even in those days, they were lending money with high interest and they didn't say anything. They knew that these other people were wicked and they didn't say anything. says the punished all of the religious people first. Why? That's what he says here. Hashem will not be willing to forgive him. You acted as if you are independent nation by yourself. You forgot my covenant. You forgot the curse that comes with it. In fact, for all of those people that constantly talk about Msiach, how they want Mashiach to come, they want the salvation to come. The sages teach us that one of the things that will happen as part of the messianic era is that the 10vatim, the 10 tribes will come. But the Torah tells us in verse number 27 something that to the average person seems irrelevant. But says it's more than relevant. And Hashem removed from them from among their soil with anger and with wrath and with great fury. and he cast them to another land as this very day. If you notice in your or in the word and he cast has a abnormally large and in fact the word is usually spelled with another yud says the bala to him. The reason why the yud is missing and the lammed is extra big is because giving us a message here. When you violate the covenant of caring about your brother and his sins too, when you violate the covenant and simply ignore what the Torah allows and what it doesn't allow and turn your sins into intentional, there is a catastrophic sin that comes upon everyone. What? Hashem will not send the 10 tribes 10 numerical value of 10 stands for Hashem sending. He's not going to send the 10 tribes. Meaning that every time we act as if we have to just simply mind our own business and not care about our brothers and sisters that are doing evil, we become partners in the evil. And therefore in verse number 15 in chapter 30, Hashem says, "See, I have placed before you today the life and the good and the death and the evil." And then later on in verse 19, Hashem says again, "I call heaven and earth today to bear witness against you. I have placed life and death before you blessing and a curse and you shall choose life so that you will live you and your offspring. This is literal Torah. But mentions the same thing by showing us first I've placed before you the life and the good, the death and the evil. Meaning it's not this or this. It all comes together. If you choose the Torah, you'll have life. Life in this world and life in the next. If you choose to go against the Torah, you'll have death in here and death in the next. You'll become desensitized to what's good. You'll become desensitized to Hashem. You'll be like a walking dead. There are some people that have made certain sins during their life that they're literally have a dead nishama. They're walking with a dead nishama. So many pieces of their nishama broke off as a result of their sins that their body still works but their nishama has died. Hashem says life is a Torah is a Torah. That's the good. And if you didn't get it, I'm telling you, I have witnesses. The heaven and the earth. Choose life. When I first heard about Merchant Cash Advance, I was still working on Wall Street. And it didn't take me more than a few seconds to know that the business was evil, wicked, unethical. Because as a business owner, you know that if somebody lends you money with such high interest rates that no normal business could ever pay because the average business makes 25, maybe even 30% profit margins after all expenses and a loan is 50, 100, 200, 400% or more, as we'll find out shortly. you realize that the guy could never get ahead. Why? Because the cost of money, the cost of that $100,000 that you borrowed, even if you sell all $100,000 and make your 25% profit, the cost of it is four times that if you're paying 100%. But as I got deeper and deeper into the Torah, I realized that this is a internal cancer that has haunted the nation of Israel since the beginning. Every generation before a major disaster happened to us, the number one business has always been highinterest lending. Now, when I first started speaking against this business, explaining to people that it's against the Torah, warning the public to stay away from this business as a worker, to stay away from this business as an owner, and needless to say, to stay away from this business as a customer, i.e. victim, many people heard it, some people left the business, some people ignored it. But one of the common things the people who were not really so aware of the details of the would say well listen well just they're just lending money to the goim the nations why can't they uh just charge them whatever they want say well this is a predatory rate even if you look at the laws of the land here in America anything that's above 30 36% is considered userine against the law. And the only reason why the merchant cash advance has the ability to charge a,000% and 2,000% and 4,000% interests is because they are taking advantage of a legal loophole. But needless to say, even though there's a legal loophole, there is no Torah loophole. And therefore, it's forbidden because it's predatory because it harms the people that are doing it. Even if the person were to be told everything that's going to happen, listen, I'm going to lend you money at 100% interest rate, you agree, and he signs off, the still forbids it. Why? Just like if somebody tells you, I want you to be like uh the uh the the evil uh murderous doctor Kavorian that was paid by his patients to kill them. Eventually the law caught up to him and he was put it was put to a stop. Why? Because even if the patient asks you to harm them, you're still not allowed. Even if the customer asks you to harm them, you're still not allowed. Why? Because Hashem runs the world and you have no permission to harm anybody even if they ask you for it. Now, one of the major arguments of it being primarily lent to the nations I always knew was false, but not to what extent. I've always said it's not possible for them to know which customer is Jewish and which is not because you can no longer tell by names. I remember I had a classmate in high school. His name was John Cohen, but he was uh uh you know, not Jewish in any way, shape, or form. Even though his name was Cohen, he was not Jewish. So I knew that obviously there's going to be some Jews that borrow money with high interest and whoever lent them the money, the broker, the secretary, the owner of the company, everyone lost their but they said, "Well, it's not common." But then the last few weeks came and people started sending me letters. People started sending me documentation. People started sending me proofs that I was very wrong about that. It's not once in a while. In fact, There are certain merchant cash advance brokers and owners of companies that specifically target lending money to their fellow Jews. And I'm not talking about secular Jews that want to harm the religious Jews. I'm talking about people that say they are religious and in some cases very religious. They're or they're uh you know whatever they hold. They look as religious as you can possibly can. And in fact, they target lending money with high interest to their fellow Jews. If that were not enough, there's one particular guy who lent money to a couple, older couple. He was a religious Jew. They were religious Jews. their kids studying yeshiva. One in Israel, one in uh uh the United States. He lent them $320,000. Because of the high interest, that $320,000 ballooned to $1.6 $6 million. Far more than what that $300,000 can do if you invested into any normal business. So what did this Jew do? He took their house. They had a $3.2 million house with over a million dollars in equity. And he took the house. We're talking about a religious Jew taking the house and making a family go homeless, forcing them to move 22 times in the last 17 months when they tried going to the bed that was listed in the documentation. this wicked corrupt bed that apparently should not even exist. Needless to say, is partners with this person said, "No, unless he wants to come to the bed, we're not uh we're not going to rule on this." Yeah, but you listed on the documents that if there's any issues, we come to you. No, that's only if people want to come. As if it's like a doctor's office. So guess what? The bed stayed silent. The from Jew, that's really wicked took their house, forcing this older couple to become homeless for what? A $300,000 loan that ballooned to $1.6 million. He wanted to get his money. He wanted to get his commission. And he cared less about his fellow Jews going homeless. As a result, another Jew sent me several letters telling me that there are specific merch cash advance companies that specifically focus on the Jewish market. If that were not bad enough, another family here in Florida sent me a letter telling me that right now as we speak, they are on the verge of bankruptcy because a Jew lent money to them also Jews and he's about to take their business. If that were not bad enough, there's one guy that had a merchant cash advance business. If you look at him, he looks like a rabbi. Long beard, striml, everything. He lent money to business owners, destroyed every one of their lives, took over all of their businesses. left the merchant cash advance business running it and became a tycoon. Why? Now he has 20 30 businesses that are his literally dancing around the graves of his former customers turned victims. If that's not evil, what is what the Torah is telling us here is it's not an option to stay silent when you know that there's evil among us. It's not an option. says, "If you accept the fact that there are people among your community that are doing evil, they're causing harm to people, whether it's the nations that they're hurting or it's your own fellow Jews, doesn't matter. You have people in your community that are in the merchant cash advance business lending money with high interest, PREDATORY INTEREST, WHICH BY DEFINITION IS anything above 36%. And you stay silent, you become partners with the evil. And the excuse of, well, I'm not the rabbi. I'm not the leader in a community doesn't matter. Why? you're a Jew and you're responsible for your fellow Jews. Whether it's you putting pressure on the leaders, telling them, listen, you have to speak out against this, or you putting pressure on the uh uh the board of directors, putting pressure on the rabbi, putting pressure on the entire COMMUNITY NOT TO ACCEPT their donations anymore, not to accept them in the community, not to ACCEPT THEM IN SOCIETY. WHY? They are breeding amalik. They're destroying society at large, both the Jewish community as well as the non-Jewish community simply to enrich themsel. And you are saying Shabbat shalom to them. You are accepting their donations. You are partner to the crime. EVEN SAYING HELLO TO THEM, YOU should not be able to do. Why? They're evil. They're evil. And to say shalom, peace will be upon me. Says, "You do that, I'll never forgive you." Why? You've turned yourself into an independent nation by yourself and you don't care about your brothers and sisters. Yeah, but they're not hurting me. Doesn't matter if they're not hurting you. The fact that they're hurting your cousin, the fact that they're hurting another fellow Jew that you never met and never will. The fact that they're hurting a that lives in Alaska that you never met, never heard of, and don't even have an interest to and you still don't care. You're guilty. You're guilty. Why? That's how the Torah comes. blessing and a curse. Not blessing or a curse. Blessing and a curse. You observe the covenant. You keep the covenant. You honor the covenant. Good. You violate the covenant, curse comes upon you. It's a cause and effect. Every single businessman, every single business leader, every single person that donates money to a community, to a synagogue, to anything that chooses to remain quiet about this issue and not put pressure on the organizations, the institutions to simply reject all donations from merchant cash advance companies, EMPLOYEES, ASSOCIATES, EVEN THE SECRETARIES, everyone that stays silent, you're bringing the Holocaust. Your partners to the crime, says the Torah, your partners to the crime. You're not allowed to stay quiet. You now have an obligation to put this business into the grave. Just like they're putting society into the grave, we cannot say shalomi. It's much worse than we thought. It's not hurting the goim only as if that's okay. It's hurting our own people. I have people literally sending me lead uh letters with literally tears in them. TRAGEDIES. TRAGEDIES. Abu tragedies. People are going homeless because of these thieves. And you're saying business is business. It's not my business. But who says this is the business? It's your business. The fact that someone made a mistake and took the loan does not allow the person that lent them the money to lend them the money. Just like a person that becomes suicidal because they're depressed and tells you, "Kill me." You're not allowed to kill them. Why? Who runs the world? You have no permission to hurt somebody. Even if they want TO BE HURT. FORGET ABOUT IF THEY DON'T UNDERSTAND they're being hurt. EVEN IF THEY WANT TO BE HURT, YOU'RE NOT ALLOWED TO HURT THEM. WHY? Runs the world. He's the king of kings. He's the one that's allowed to take. He's the one that's allowed to give. That's it. There is nothing else. Now, with all of this horrible news, I could give you more stories than time can handle. They just keep coming. Tragedies after tragedy. Literally, it's sickening to my stomach. I can't sleep at night. I can't sleep at night from these tragic stories. People pretending to be religious, but literally murdering people's lives in open daylight. Imagine someone robbing your house while you're there. watching and you have nothing to do. The leaders won't help you. The rabbis won't help you. The bed dein won't help you. The law WON'T HELP YOU. NO ONE HELPS YOU. WHY? There's nothing you could do. Don't worry runs the show. Eventually, everyone's going to get paid exactly what they deserve. But we have to make sure that we're not part of that bill by staying silent. We cannot stay silent. We have to speak against this everywhere and anywhere we can. Why? This is bringing a holocaust. I've been saying this for at least seven years. It seems like the holocaust is around the corner. It's happening already inside our communities. It's no longer a foreign problem far away. It's happening in our communities. And if that's not enough, the greed of the merchant cash advance industry is to such an extent that they're now targeting hiring Americans and English speakers of all kind that have made aliyah to Israel and have decided to study Torah. They're targeting them to work for them, saying, "Listen, you're studying Torah all day. You're not making any money. You can't get a regular job because you're studying all day. Why don't you work American hours and just answer the phone between this time and that time that you're not studying and just follow the script and the guy doesn't even know it's allowed not allowed. He learns in cola but he didn't learn this suga. He didn't learn what he's allowed at least not initially. It's not enough for them to ruin all the people that live in America. It's not enough to ruin all the people that live in England. It's not enough to ruin all the people that live in Canada. They want to ruin also the people that made aliyah to Israel. This cancer is spreading. It's not even stage four anymore. It's stage five. It's destroying the world. And anyone that stays silent, the Torah says, you have become partners in the crime. You're not allowed to stay silent. This is not a small problem. This is not a small problem. Now, what about Tony and Jamal and all of and the Josees that are in this industry? That's not our responsibility. They want to be murderers and and kill people's financial status. We're not responsible to rebuke the goim from doing a certain type of business, but we are responsible for the Jews. And guess what? There's a lot of them in this industry. And even though a lot of people don't like to admit it, they're the majority. They're the owners. They're the bosses. They're the brokers. They're in it. They're religious. They're not religious. They're from the Syrian community. They're from the community. They're safari. They're Ashkenazi. They're modern orthodox. They're whoever and however. Why? Because unfortunately, this is the cancer we have. This is the cancer we have in our generation. Abai staying silent is no longer an option. Now I did promise you a little bit of good news and even though the good news is tiny in comparison to the amount of bad news that came the Torah was given to us by Hashem and he has no rules. He makes the rules and a person that does not trust in Hashem simply is punishing themsself. So after that interview, we also got a bunch of brokers, people that have been in the industry, in some cases three, four months, six months, in other cases five years plus, telling me, "Listen, Rabbi, everything you're saying is right, but it's actually even worse than what you say. I know I have to leave the business. What am I going to do? We start talking and a few people left the industry. A few more people left in the last few weeks. But it's hard. Why? It's a test of money. One Bahu in a business, young guy, still has college debt. Thought that he could pay off his college debt and build himself a career by going into merchant cash advance business. realized this business is horrible, but he's already in it now. He wants to get out, but he's scared. How am I gonna make money? On top of that, he owes money to the boss who gave him a draw, gave him like a a loan as until he starts making more money cuz he just started six months ago. But he tells me, "Rabbi, I know you're right. I have to leave this this, but what should I make more deals until I make the money back so I can pay him back?" I said, "No, no, no. If you have fear of hem, if you have hem, if you have, you leave the business today. How you leave the business? You simply never show up to work again. Don't call them. Don't text them. Simply disappear as if they don't exist. But what about the money that I owe them? What about the money for the college loans that I have? I said runs the world. This young man took these words to heart and as scared as he was, he's a young guy. As scared as he was, he didn't go to work the next day. But he's waiting to figure out what am I going to do? What are they going to work? I'm going to pay off these loans. Akadosh does not leave anyone disappointed. the next day. And he sends this to me excited, literally crying from excitement of what he had. The next day, he didn't go to work. Steady was walking around doing some things. He runs into somebody he's never met before. Some businessman happens to be Jewish. And this businessman takes an interest in this kid, tells him, "What do you do? How do you do?" "Oh, I just left this job, but I don't know what to do because I have this college loans, plus I owe the uh the boss money and I need a job." The businessman tells him, "Do you know who I am?" Said, "No, I don't know." He tells him his name. This guy is a billionaire with a B. He says, "How about this? Here's the money to pay off the old boss. How much do you owe for college? Here's the money to pay off your college uh college loans. Call me next week. You come work for me. I have a private equity firm. We do a lot of legitimate investments. You see me like a sharp kid, I'll give you a job." Just like that. Just like that. College loans paid off. Any other loans paid off. Job, you got a better one. Wants us to make sacrifices to show that we believe in him. When we show that we believe in Hashem, we're showing that Hashem is our king. The says why is it that onsh we do not say halal like we say on the other holidays. This was such a big question that EVEN THE ANGELS WENT to says on all of the other holidays you have your people say halal but on no halal says on this day I judge every single one of my people to live to die and you want them to praise me and celebrate when in reality this may be their last. So then the asks again another question. All right. So if we don't say hal because it's judgment day, why don't we say vidi to say I'm sorry we made all the sins and everything else like we do on yum kipu says the no you don't need to say VID DOI BUT IT'S JUDGMENT day no you don't understand on this day your number one obligation is to bring upon yourself the kingdom of heaven where you say Hashem is my God. Hashem is my God AND NOTHING ELSE. NOTHING ELSE IS MY GOD. NOT MONEY, not honor, not reputation, not popularity, not my job, not my friends, NOT MY SPOUSE, NOT MY KIDS, not anyadh who's my God. And when a person brings upon himself a kadu as the king of kings, that is even greater than saying I'm sorry for the sins. That's even greater than saying I'm sorry for the sins. Why? The moment you make a your life, that means I believe that Hashem runs the world. And therefore says, All it mashem impoverish and enriches and therefore one should not have any hard feelings on his heart on something or someone that caused him a loss. Rather, he should believe that the loss was decreed upon him by Hashem and would have come anyway, even without that something or someone. You didn't lose the money because he made a bad trade. You didn't lose the money because uh the guy cut you off and he uh totaled your car. You didn't lose your money because you weren't paying attention. You didn't lose money because you are paying too much attention to the wrong thing. No, no, no. You lost money because it was decreed upon you from Hashem that you will lose money. So whether it was something or someone that you're blaming and therefore you're angry at that someone or something says you're making a mistake. Why decreed it? And therefore the say doing praying and giving to publicize that is what is going to make the decree go away. Now doing chuva we understand if I become a better person according to Hashem my decrees will be better. praying to Hashem for mercy, we understand. If I pray to Hashem for mercy, sure, he's going to help me. BUT WHY DOES TAKA HAVE ANYTHING to do with it? Why is giving money to publicize Torah going to help me remove the decree? What are we Christians that think that we could buy sins? NO to say such a thing. rather say the sages when you givea to publicize to help publicize a kadu's name you are testifying that he is your one and only god he gave you all of the money you have because mine is the money mine is the gold says hem master of allegiance when you give staka You're not giving, you're taking. Says Hashem, they'll take from me. When I give to publicize Torah, what am I doing? I'm showing that I know that this is not my money. It's Hashem's money. And therefore says the giver of should be careful not to make the taker the receiver of the feel that the giver is anything other than a vessel that hashem is using to give. When a person understands their role in the world and understands and accepts upon themselves that Hashem is the one and only God, having confidence in Hashem, knowing full well where the money comes from, knowing full well why the money goes becomes a foundation of their life. They don't need to cheat in business. They don't need to mislead. They don't need to work in an unethical business. And they also don't need to be afraid of anyone or anything because Hashem runs the world. And therefore, they won't be afraid to rebuke. They won't be afraid to rebuke the sinners. They won't be afraid to protest against them. They won't be afraid of being unpopular. They won't be afraid of giving to publicize. They won't be afraid of anything. They won't be afraid to lose their job. They won't be afraid to lose their customers. Why? Hashem runs the world. And that's why having bet in hem is the foundation of doing chuva. Because if you don't have bet in hem, you don't have confidence in hem, then you can fall for the satan during the early stages of chuva by saying, "Listen, I made so many sins. Why would Hashem forgive me?" You don't have confidence IN HASHEM. YOU DON'T have any real connection with Hashem because you THINK THAT HASHEM THINKS LIKE YOU. You wouldn't forgive someone who did something bad. So you think THAT HASHEM IS LIKE YOU. HE'S NOT GOING TO FORGIVE YOU. SAYS, "NO, you have to have in order to do chuva." Why? Or else the satan is going to make you think you can't do chuva because you made too many sins. And what is chuva? Chuva is changing your behavior and your natural instinct that's inclined to sin. And that's why the Rambam that is no longer the same person. He's a different person and therefore he becomes more inclined to give. Why? He believes that everything is from Hashem. And the says is a person that distributes and ends up gathering more. How so? He gives more and more and more of Hashem's money to publicize Hem's name. And Hashem says, "Oh, if you're IF YOU'RE A GOOD PARTNER, I'M GOING TO GIVE YOU more also so you can give more." And a person that has can overcome the negative traits of being stingy, the negative train traits of being inclined to steal, of being inclined to cheat, of being inclined to to lie. Why? Because they know that there's nothing else but Hashem. So we have among ourselves a very serious problem and we're not allowed to stay quiet. It's not enough for me to be the only rabbi out there that speaks against this. Every single Jew has to speak against this to their rabbis, to their community, to their fellow Jews. Doesn't matter. If the rabbi doesn't want to agree with you, skip him. Go to the rest of the community, tell them this is not allowed until literally either the people leave the business or they're going to be an outcast from the entire Jewish people. Why? They are breeding amalik. That's what rashi says on paratalik. The verse that we say every single year to remember the verse before it talks about dishonest business. Rashi writes 900 years ago when a Jew does dishonest business au gives a more power blessing and a curse. they come together. This is no longer a business where people think that it's only this or it's only that. It's a cancer that's spreading everywhere and it's killing its own people, too. Staying quiet is suicidal. Let's be smart. Let's listen to the Torah. Let's listen to and realize this is no longer their problem or his problem. It's our problem. And we all have to do whatever we can to at least show Hashem that we believe in him and we're not afraid to preach the truth in his name. I'd like to introduce you to your new best friend. We did it. AI Rabbi is here. It's an AI model that is based on kosher Torah sources. 30 different languages that [music] are available to you. So if you want to ask it in Spanish, in Chinese, Portuguese, whatever you want to do, it's available [music] for you. Can you tell me about timestamped to the shield? You press this green button. Hey, Rabbi on your WhatsApp. [music] You'll have the ability to ask questions at will. We'll be providing sources and most importantly you'll be able to know the truth and be able to [music] rely on the sources we succeed. Now with that being said you guys can start asking some questions will give us the answers. Again, a reminder for anyone that wants to be partners with all of the truth that our organization, Bezem, is publishing over the last 12 years and bead over the next 12 years until Mashiach comes, whenever that is, we'll preach the truth at all costs. Anyone that wants to be partners with that help us with our new headquarters that will be a center of kaduca center of emit you can donate on our campaign page bh yk.org or bhr.org. It's our high holiday campaign. You have opportunities to be small partners or big partners. In so many words, whatever you can do because you're doing it for yourself. Now you guys can start asking some questions about other will give us the answers. Yes, he's clearly right. I can't understand why anybody any rabbi would go against him on this. Like I said in the past, the only rabbis or people that learn Torah that say the opposite and claim that the merchant cash advance business is allowed. It's either because they have not learned the subject properly. They have not read our chuva and the countless proofs from that this is forbidden and therefore they're ignorant and speaking out of ignorance. Or option two, they're blinded by money. And that's why the Torah says even a becomes blinded by money. A sadik doesn't. What's the difference? If he's a uh the Torah is referring to a dian, a Jewish judge is blinded by money. Why don't they call him a sadik if he's a dian? Because if he's blinded by money, he's no longer a sadik. He's still a because he learned a lot of Torah, but he's no longer a sadik. He's no longer righteous because he's blinded by money. So either they're ignorant or they're blinded by money. That's the only two options. Hey Rabbi, I was waiting for you during Rabbi Fry Kaklan's live stream. Uh yes, I I try I try to come as often as I can, but I have so many different things going on right now. So many of you are sending me different messages, questions, answers, and I'm not even responding to most of them because it's just overwhelming. Not only because there's just more people, but also because I have so many more things that I need to do right now to prepare for the holidays. We have the campaign, we have preparing the place, uh our new place for for the holidays, uh to get everything in order, whether it's the uh you know, different contractors, different vendors, the workers, the uh uh the construction. we're doing literally around the clock trying to make things uh happen. Uh there's uh even a possibility that aside from having the uh Russash Shana Yam Kipur high holidays there um starting uh next uh Friday night, we may actually also uh succeed to do at least one night of uh a lecture there as well as uh and if it's going to happen then it's going to be either Wednesday or Thursday of next week. I'm not sure yet because it all depends on how fast things move. But we're trying to do everything we can uh literally around the clock to make a lot of things happen. So, uh if I'm not able to answer your messages, your uh calls, uh you know, emails, things like that, don't take offense to it. It's just simply uh it's there just not enough time in the day to do all of it. Uh but I'm hoping that the more you guys help us uh the more people contribute, the more they get their family and friends to contribute, the more we'll be able to hire more and more people to help us do some of these things. And uh we'll be able to teach more, go uh you know, give Shuim in uh in Hebrew and English and do a lot of things that I know you guys uh you know enjoy and love and and uh we we need your help to be able to do it because if we don't have the resources then we have to do it oursel one way or the other has to happen. Can you explain what a chuva is when you mentioned the reading one that you wrote? Okay. So a chuva there are different types of uh books in in in the Torah. Uh so we have the written to the five books of Moses. After that we have the the uh prophets and the writings. Then we have the oral Torah. The oral Tawas began with the Mishna which was in essence the rules that were extrapolated taken out from the written Torah. So the Mishna was written by Rabi. Then to explain the Mishna we have the combined they're also called the Talmud. That explains not only how they arrive at the law, but also all of the different possible arguments to show you why every other possibility is not the law. And this is the law. It also gives stories and history and a lot of other things, but nonetheless, the ultimate purpose is to show you why the law is the law with all the arguments. Then you have the uh which is What is the bottom line law without the arguments? What do we do? What do we don't do? Now in the world of ala there is what's called a responsa. And a responsa is explaining how to apply the original law that we got at Mount Si into today's world. Because in those days obviously they didn't have electricity. They did not have cars. did not have a lot of the issues that you have as society progresses and new technology and new uh environments and new problems appear. So the sages throughout all of history have taken the original foundational law and showed you showed all of Isl how this original law applies to modern day. So for example, you have the Torah says not to light fire, but there are now more than just the simple bonfire that they had back then. There are different forms of fire. So therefore, the sages explain why uh you're not allowed to also use electricity, turn it off and on and off. It's if it's on before Shabbat, it stays on. You can't turn it off. If it's off, you have to keep it off and so on and so forth. And the responsa shows you all of the different sages that extrapolated the the original law into their generation and how the tradition went from this generation to that generation to that generation, that generation all the way to where we are today. to show you how the original law is still 100% connected to the law of today. So the response explains all of the details, all of the reasons why something is and why something that you would think it would be otherwise it's not. by showing you the different sages and the different parts of the Talmud and the different parts of the written Torah and the oral Torah that prove that answer. So this the only thing that you could compare it to in a uh in in the world a secular world is case law. So when a when there's a big case uh whether you know that that some lawyer wants to prove in order to prove a case then the way that they prove a case is by showing how the case that they're dealing with is the same thing as some historical case law that was concluded by the Supreme Court. whether it's the case law of the tobacco industry, uh the uh you know the uh uh abortions, all the major different case laws that are are mentioned, freedom of speech and so on and so forth. So what do they do? They show you how that original case that was concluded even though it was about something that seems very different is in fact the same thing. Now, yes, of course, it's a uh if you ask any lawyer out there, if they remember even 10% of all the case laws out there and all the details, they'll laugh at you because it's not possible. But in the world of Torah, which our case law is a million times bigger, you have people that learn Torah and know exactly where everything is. Why? Because that's what is. He knows where everything is. So the point is that when we brought the the the chuva the the response answer the R frame wrote and I help wherever I could he didn't bring his opinion he brought you how this exact issue has been discussed has been concluded both historically as well in the world of Torah by different sages and how anyone that understood it differently, he shows how they're misunderstanding it. For example, many people that are are not familiar with this think that the Rambam said it's a mitzvah, a positive mitzvah for a Jew to lend money to a non-Jew and charge him interest. That's a common mistake. Why is that a common mistake? Because in one end the Rambam did write it that it's a mitzvah to lend a non-Jew money with interest, not predatory interest, but it's a mitzvah. It's a he could do it. But we know that's a mistake. Why? Number one, the Rambam wrote the list of mitzvot 613 mitzvot. He wrote it the mitzvot. It's called in there. He listed all of the mitzvot. And you will not find a mitzvah that says that you are making a mitzvah by lending money to the uh to the uh nations with interest because had it been a mitzvah like was originally thought he would include it in that list and it's not. Number two, even his son, the Rambam son wrote that it's not a mitzvah. Uh and and uh the people that understand it to be a mitzvah is a mistake. That's not what his father meant. The point is is that the more a person looks into the details and not just the general statements, the more they realize that this is not a new law. This is simply an application of the old original law from the Torah into today's world. Lending money with high interest has been around since the beginning of time. Even Schlomik outlawed it. Lending money with high interest to Jews or to non-Jews. It's forbidden. So Schlomik spoke against it. A uh uh the uh different sages in Morocco, in Europe, all over the world, in every generation spoke against it. Uh and each generation it was called something else. The business itself, the industry itself was called something else. In our generation, it's called merchant cash advance or payday loans. Either way, it is forbidden according to the Torah. And when a person starts looking at the the chuva, the response uh write up, they'll see how this is as clear as day for anyone that actually learned it and will not be as clear as day for anyone who did not learn it. Because if they're just assuming the mistaken notion like what I said about the Rambam and that's how they're concluding all of their knowledge with one little statement then they're making a mistake that the Talmudi says we don't learn Torah from a single statement. We learn Torah from all of the places in the Torah that that same thing that same point that same statement was made. Why? Because in one place where the Torah has a statement with a lot of support, in another place it has very little support. So why would it mention the same thing in multiple places? Because in each place, it's giving you a different lesson. And you're supposed to combine all of them in order to have an all-encompassing understanding of what is actually the bottom line. What is the truth? That's how you learn Tawa. You don't learn it from a single statement. you don't learn it from ah a single understanding. So when a person they may not they may know a lot about other parts of the Torah they may know a lot about they may know a lot about they may know a lot about conversions they may know a lot about a lot of other things but they don't know the law is about just because you know a lot about one thing doesn't mean you know a lot about everything not just in Torah anything. So, a lot of people are unaware of this and uh especially when they're blinded by money, even if someone offers them sometimes a way to learn, they refuse it. Why? Because they don't want to learn. But either way, there's no way in the world that the highinterest loans, predatory interest loans are allowed according to the Torah. It's against the Torah in every way, shape, or form. It causes it damages the society. It damages the people. It damages everybody. This is not an opinion. This is a fact. Rabbi was Sikhon and Og brothers of Ank. Uh so and were brothers of each other. Uh some say that Son was his uh uh son, but uh most places I've seen say that Shon and Ug were brothers. And as far as the other three giants, they were the banana. They were the uh children. They were the children. They were not the uh brothers to them. was denied. This could have been frightening enough to make him believe he couldn't return. If the rabbi could please clarify this. So the mentions that uh one of the rabbis of Bales got confused when he saw he was one of the four people that went up to the pardis in Shamim. They did a what's called aliyama by take the soul came out of the body and it went up to the heavens was one of the rabbis. Uh one of the sages that went up there and he was okay as a result of it. One of the sages died. One of the sages went crazy. And one of the sages became a heretic. And the one that became a heretic was Alicia. Uh his real name was Alicia Bavuya. And he was a great uh uh uh but he fell off because he got confused because he saw that there was one angel that was sitting when he thought to believe that angels never sit. I know this seems uh minuscule but uh there were other details to the story but to answer your question. A lot of times when you see the the camel that broke the uh uh the the straw that broke the camel's back for certain people uh you get surprised this made a big difference to them. But uh there's obviously always more details to the story. Like for example in this week's par there is a uh verse that uh in where uh in uh chapter 31 verse number um verse number 11 and 12 where it says you shall read this Torah before all of Israel in their ears gather together the people the men the women and the small children. So this is in essence the uh Torah obligation where the king has to gather all of the people and they read the entire Torah in one day uh and uh the verse is in essence saying that everyone has to sit everyone has to stand uh while the Torah is being read and only one person is allowed to sit which is the uh the king that's of the descendant of King David. This particular mitzvah was the straw that broke the camel's back that caused Yuan Nat to become a uh heretic idoltor where he was also king but he wasn't a descendant of King David. And therefore, he said that if I go also and my people go, they're going to see that I'm not allowed to sit and they're going to see the uh the son of Kam sitting because he's the descendant of King David and they're going to think he's better he's better than me. So what did he do? He put two different idols in the o in the gates of the cities of Beer Cheva and Dan and uh told his people that uh we're not they're not allowed to go to the bet mikdash anymore. they should pray to these idols. In essence, he brought two golden calfs. Why? Because of his ego, that was the straw that broke the camel's back. I know it sounds stupid, sounds superficial, and you're right, but of course, there's a lot more to it. Now, back to the uh the issue of uh Alicia. He's called Alicia the other. He saw something that did not agree with him. You also saw there was a boy that was climbing a tree to uh take a uh uh the the eggs and the kid uh instead of getting what uh was supposed to be a blessing he ended up falling and dying. So there's a lot of things that confused him. Later on the sages say was because that he was reading books of the he was reading foreign books that were forbidden and that really is what brainwashed him to go against Hashem. But after he went against Hashem, he didn't just go against Hashem by starting to not keep mitzvot. He became a criminal. He started killing people. He started uh uh doing the most evil things out there. And he made so many sins that uh one day he heard a uh heavenly voice that says everyone can do chuva except. So that in essence sealed his opinion that he has to stay this uh this way this wicked way. So you would say well maybe Hashem pretty much told okay you're going to stay wicked that's it. No what it was is that because Alicia was such a huge Torah scholar the punishment on him for his sins was much worse than someone that's an ignoramis. When someone that's was uh religious and following the Torah and knowledgeable about Torah goes against the Torah, it's much worse than someone who is uh doing it out of ignorance. They're both going to get punished, but the punishment on someone that's knowingly spitting on the king knowing it's the king is much worse than someone that's spitting in the air and ends up landing on the king. So now because he sinned in such a way, Hashem made his test worse where made him believe that uh he's not welcome. But there is a teaching that he was supposed to know which is you listen to everything that the master says except go away. Except go away. Why? Because Hashem opened the gates of heaven even for Minasha Minasha the which was a much bigger sinner before he did chuva. He was an idoltor. He committed uh all types of crime the worst crimes you possibly can imagine. And Hashem still allowed him to do chuva. And uh but the reason why Alicia got this particular punishment is as the Rambam writes that there are 24 types of sins. This is an there are 24 types of sins that if a person makes them there uh there's a uh Hashem doesn't help them do chuva in essence makes it almost closes the gates of chuva where they could still do chuva but they will not have the same uh easy path or relatively easy path as everyone else uh to so much so to the point where it seems like it's impossible for them to do chuva because do chuva you have overcome the uh what's become your nature, what's become your instinct, what's become your uh ideology, you have to change everything in order to really do chuva. So if a person caused other people to sin, like for example, a man is freerman that teaches people heresy or uh people that invite Christian missionaries to their synagogue or people that uh recruit people into the merchant cash advance industry, all types of things like that. uh you cause people to sin. So yes, it's still possible for them to do chuva, but it'll be much more difficult for them. So Alicia got to that level. He made those types of sins that caused people to to uh to sin and therefore he was given the uh this uh this obstacle that in essence he created for himself. But he should have known that uh he was so obviously he knew that we listen to everything that Hashem says except if he says go away. We don't go away. We continue praying to him. Why? Because he's our father. He's our king. We never leave. Can you please explain hell? Does Judaism teach hell or no? Of course, I have an entire film called Gay. And it's about a three-hour film that shows over 170 different sources of what is gay, what happens there, who goes there uh and uh for how long because some people go there for short period of time, some people go there forever. So yes, of course, Judaism teaches about hell. We called Ghanam. It's on on my YouTube channel. You can watch it. Uh, everyone that's ever watched it, it's helped their life because now they understand the price of going against Hashem. Is it permitted to trade options, including those from leverage ETFs? If you're a professional trader, if that's what you do for a living, yes, just make sure that you actually know what you're doing and you're not just gambling your money away. What an option is, it's a uh it's like an insurance policy uh on both sides. Every insurance policy, there's a winning side, there's a losing side. You insure a house. You pay for h for insurance for a house. In essence, you're paying the insurance company that in case the house burns down, they're going to give you money to build a new house or buy a new house. The insurance company is willing to do that because it's unlikely for that to happen according to the statistics. And therefore, a uh most people that pay that premium every year are really get will get will never get paid for it. They'll never get it. they'll never get it. So, they're willing to take that risk by having you pay a few thousand dollars a year to insure the house in case it burns down because the vast majority of people never get paid. So, they're on the winning side or the losing side depends of whether the house burns down or not. Uh the same thing with options. Options are in essence are an insurance contract or it's a contract that the uh one side says that the uh the investment vehicle reach a specific price within a specific time frame and the other party that sells the contract says that it won't happen and if it does happen then the guy that bought it will win. If it doesn't happen then it uh it doesn't. Now, that's not the same thing as gambling because in essence, this is a business transaction on a uh on a specific type of uh you know asset uh and not just a pure gamble. At least it's not supposed to be. Uh it's it's a it's an investment vehicle. It's a way that a person can use you could use that for the sake of making your existing investments more conservative. For example, if you have a uh um you know a certain amount of stock of a company, you have a lot of shares of a certain company and uh you want to be protected in case it goes down below a certain price. So, let's say you own a stock uh and the stock is at a $100 a share and uh you are willing to take some risk because you think it's going to go to 150, but you're a savvy investor and you know that it's also possible for it to go down below 100. It could even go to 50 or less if the market crashes. Now, you don't want to take that risk, but at the same token, you don't want to miss out on the potential reward. So what would a person do? They would buy what's called a put option where that put option that they're paying that premium for that put option will say listen if let's say the stock goes to $90 from 100 I'll lose the $10 from 10 to 90 but if it goes below 90 I'm not going to lose below 90. Even if it goes to zero, I'm still not going to lose below 90 because I'm guaranteed that as soon as it hits that $90 within that specific time frame, the the the person that sold me the contract will buy the stock for me at $90. Even if the stock went to zero, I'm still getting 90 and I'm going to pay him a premium for the time frame that I have this insurance policy. So, that's one way that a option could be used in order to be uh to make the investments more conservative. It's not purely for the sake of taking a risk of uh betting on the fact uh uh you know that something will happen in a specific time frame like they do with the new scam they have in the financial world called prediction market. Prediction market is legalized gambling uh 10.0. It's magnified. Uh it's a completely disaster that's happening to the financial world. It'll cause a lot of losses for people. There's a lot of scams because the uh uh the prediction markets have no regulation on them like they do in securities. So insider information is legal. Uh there are certain people that uh put money betting that something will happen with uh non-public information. So, for example, someone that was in the uh Israeli army bet on the fact that Israel will go to war with Iran within a specific time frame in July and uh which was unlikely statistically and he ended up winning a lot of money as a result of it. Uh making this, you know, anomaly of a prediction. Uh someone told me they caught them even though everybody that's in there is usually anonymous. But nonetheless, the point is that if the same type of uh trade was done in a the public markets of stocks and bonds and so on, whoever did it would actually go to jail. And there's a lot of other scams. So, anyone that wants to simply lose their money, they'll start going gambling in uh casinos and in prediction markets. Uh and uh little by little, they'll realize how it's the biggest mistake of their life. Uh some people predict they put money behind uh what tie Donald Trump will wear or what uh Elon Musk will say or what the weather is going to be or all they literally bet on everything and anything. It's uh horrible horrible addition to the uh world financial uh the world of finance. But nonetheless, it's another uh step closer to Sodom and Gomorrah that that they're building in society. But option contracts in general, option contracts can be used to do something similar to a prediction market, which is pure speculation. But it could also be used as a way to preserve capital or make certain investments uh more uh profitable by writing covered calls. Uh there's also uh different types of uh options for different vehicles, not necessarily just for stocks. There's uh you know there's what's called swaps. There is a uh um uh things that you could do on uh on on debt uh on debt uh obligations. There's all types of uh ways to use options. One of the famous ways to use options is also uh for uh um volatility index the VIX. So one of the many things uh the licenses that I had and uh you know when I was on Wall Street as I was uh a options principal which is the highest license you can get. was a bonds principle and licensed uh securities principle as well as um options principle and uh so we in order to get each one of these licenses you had to uh have a lot of knowledge pass a very difficult test and uh I can tell you one thing from a lot of experience uh the overwhelming majority of people that put money into options lose everything it's not like stocks where the overwhelming you know the average person loses but not necessarily everything but rather options since it is time bound uh it means that even if you're right about your overall thesis but you're wrong by an hour you're wrong by a minute it's considered like you're 100% wrong because it's it's subject to time so I would not recommend the average investor to trade with options it's not a good idea at all. Uh but if you're an expert, you know what you're doing, then by all means suit yourself. We are and we studied your that discussed the merchant cash advance. We found the flaw in it highly merciful and we want the $100,000 you promised. Well, the $100,000 is if you could write a chuva, like I said a million times, if you could write a chuva that shows that it's wrong. Uh, one guy uh actually did send me a write up. Uh, and within about I don't know about three and a half seconds uh we saw that not only doesn't actually understand the chuva, he also doesn't understand how ala works nor does he even understand the business itself. So yeah, he wrote he used AI to to write something. Uh but uh unfortunately what he wrote is not valid. Uh and he only did it because he hates me. He's been after me for years about anything I say, not just this. Anything and everything I ever say, he has like this this sick obsession with me. Uh, and um, so if you're him or you're friends with him, then like I said, you could actually learn Allah, learn how Allah actually works. Write a chuva. And if you have a legitimate chuva, by all means, we'll be very very happy to not only pay you, we'll be very very happy that it's actually possible that uh you know to do this horrendous evil, corrupt business. But the reality is it's not possible for you to prove it because [snorts] it's impossible to allow If the borrower is a non-Jew is permitted and purchase receivable is further removed. A so you're the same person. You're the same idiot that uh wrote the thing. It's you you don't understand. I knew it's you. I knew it's you. So why don't you actually put your name? Why don't you put your name uh instead of a uh instead of pretending you're somebody else? Put your name. Why? Why you so scared? Why are you so scared to put your name out there? I put my name out there. Put my face out there. Put your name out there. Why are you calling yourself photo send? Put your name out there. Show how people how foolish you are. You not only you don't understand, you don't understand the business. You don't understand anything. You just understand your ego. Rabbi, I live I live where there is no religious communities. I'm 15 years old and my non-religious father who doesn't live with us refuses to sign the necessary paperwork for me to leave. Pray to Hashem. Hashem hears the prayers of children more than he does even from adults. And uh Hashem will make him sign it or make some other door open for you for you to be able to serve him better in a religious community. Rabbi, you should be an adviser, a legal adviser for people. Well, some of our uh some of our uh students that are uh you know are in close touch with me, they're big supporters and so on sometimes do ask me for all types of advice which includes everything relevant to business, legal, uh marriage and so on and so forth. We've helped quite a few of them in different uh different issues. In one case, there was a person that um thought about selling their company for I think it was 6.4 or $6.8 million. And they asked me what I thought about it. And um within two seconds, I told them no. But within let's say it took me another, I don't know, couple of hours of analysis. No, not a couple hours, whatever. It took me a while uh to show them that their business currently is worth at least double that. And if they do what I advise them to do, their business will be worth probably somewhere in the neighborhood of 40 to $45 million within the next three years or less. Um and um they they listened and they're doing much better now. Uh but this is a person that you know not only you know is an avid watcher of our lectures but also is one of the big donors you know people that uh donate a lot of money for me to use my time to do stuff like that because I'm not in the business world but if somebody's you know sending a lot you know $10,000 uh uh a month to uh to get my time if that's what they want me to use my time on that I've designated to them then I'll use that uh that time for But point is that I have I have some some students that uh use us for business guidance uh to buy and sell different companies, to buy and sell different houses, to you know to different things. But uh generally speaking, most people would ask me about uh you know Torah questions. But the the the students that are closer to me and uh you know uh long-term supporters and stuff like that usually at some point or another other questions come up and uh it includes all types of things. And by the way, the reason why that uh person wanted to thought it was a a good idea to sell the business for $6 million was because of a potential lawsuit that someone was threatening them with. And I showed them that the potential lawsuit is not valid. Uh and it will never happen. It was just a bluff. How do I know all this stuff? I spent a long time uh in the business world. I've been, you know, I was an executive at a company. I built the companies. I did a lot of different things but hem uh Hashem puts stuff in my mind in my brain in my mouth and uh gave me all types of experience and at the end of the day it's all Hashem. I'm simply trying to help people in whatever way I can and if they help the organization then why not help them back. How do you get uh the same type of advice? If you're going to uh donate as much, then you could get the same type of advice. On the campaign, there's a uh uh option for $180,000 that you could donate. If you donate that, then uh you'll have a certain amount of time uh that you could ask me whatever you want each month. Like uh I think it's an hour or something like that. Yes, it's more than $120,000. Yeah, it went up. Why did it go up? because it works. It works. If you're good at something, uh price go up. But it's not just because it work. It's also because it's bigger opportunities. There's bigger opportunities that uh we need to do uh in the Kiru world, in the Torah world that um we need more and more help. So, anyone that wants to step up, by all means, >> [snorts] >> How could something be legal according to the law of land but against the Torah? If you're talking about the merchant cash advance business or anything else, the Torah doesn't care if something is legal or illegal according to the land. If something is against the Torah, then even if the law allows it, it's still against the Torah. It's still forbidden. So, for example, if the law of the land uh permitted people to kill, which is something that, you know, was uh was common in in in uh in previous generations. you were allowed to kill somebody in a uh you know in a duel of guns or swords and so on and a person wouldn't go to jail if he killed somebody else. Um and but according to the Torah was still forbidden. So it doesn't matter if something is allowed according to the law of the land. The Torah is what we go by. So even if the law of the land is stupid and it says that you're allowed to steal from people, the Torah will still not allow it. Why? because God said God is bigger than the law of the land and God says what's allowed, what's not allowed. So it doesn't really matter what uh what the law of the land allows or doesn't allow. Uh the Torah is the uh foundation of truth and ethics. And if we know that something that we're doing is going to hurt other people, the Torah says it's not allowed. In fact, you're not even allowed to hurt an animal unless it's for a purpose that's going to that in essence the animal is for. For example, you're not allowed to uh you know kick or starve or uh you know or hurt any any animal, let's say a cow, but certainly you are allowed and it's even a mitzvah to slaughter the cow in order to eat it. Why? Because to slaughter the cow and eat it or slaughter the cow and eat it and then turn the rest of it into furniture or shoes or belts or anything else. This is what the animal was created for. But if you're going to starve the animal, that's not allowed. It's called if you're going to hit the animal for just because you want to have fun and you're you're a vicious person, that's not allowed. So the Torah is what guides us of what's allowed, what's not allowed. The law of the land does not guide us of what's allowed, what's not allowed. Uh there are times where the law of the land does not contradict the Torah. uh and therefore at that point we uh we can and uh in in some cases we have to follow the law of the land like for example paying taxes paying taxes even though it's not a Torah obligation in any way shape or form to pay taxes uh to any government out there if the law of the land obligates it which it does in every place in the world today you are obligated to pay taxes spoke about it Rael Yashiv spoke about it uh so again uh you can say you don't want to pay taxes and so on. I understand no one wants to pay taxes. But my point is is that even though it's not a Torah obligation for a person to pay taxes, the law of the land uh makes it the law and the Torah obligates you to follow that law. But if the law of the land said something that contradicts the Torah, then you're not allowed to follow the law of the land because the Torah is superior to the law of the land. Let's see. Would you bless a Christian man that's taken a Jewish wife? Absolutely not. You are violating the Torah. You're violating the law of God by marrying a Jewish woman. You're not allowed to marry a Jewish woman. And you'll actually see how uh this will not end up good for you. uh intermarriage between Jews and Gentiles is not allowed not for the Jews and not for the Gentiles. And you see that the overwhelming majority of those marriages end up being problematic marriages, adultery, uh uh divorce. It ends up being a nightmare. Why? Because God decreed that it's not allowed. And you're going against what he says. And you're uh you're not going to get blessed. You're going to get cursed as a result of it. Not by me, by God himself. And obviously, I follow it. >> [snorts] >> You said the other day that refers to the Christians as well. Where is the source for that? Well, first of all, it's in the Torah itself. It's in the written. Hem calls the uh why comes from was the brother of Jacob. So himself calls as far as that specific that has to that was mentioned in regards to merchant cash advance that particular point was brought up by theel says that we're not allowed to charge the gentile nations uh any interest uh because any time that it was referring to permission to charge the gentiles interest it was only referring to the Canaanite nations. and not to Ishmael and Adam. Ishmael and Asaf. Uh so because they're in essence they're they're considered family if you will. Now again this by no means means that we agree with their ideology and their false religions. But says there's uh there's a the permission that was given to lend money with interest was only to the Canaanites and not to uh the uh the ad and Ishmael. But the them being called is mentioned in the Torah itself. God says it not not it's not my God says it himself. Rabbi Ruben, is there such a thing as good goim? Absolutely. First of all, you should know that goim means nations. It doesn't it's not a derogatory word. Goim means nations. Even the Jewish people are called go kadosh, which is holy nation. The Torah says calls the Jews goim also. Uh now as far as if you're talking about Gentiles then certainly there are good Gentiles and they're even mentioned in the Torah. For example, there's a whole book written about the prophet Job. He was a non-Jew. He was a and he was not only good, he was a sadik, he was righteous. There was also the prophet Ovadia who was born a non-Jew. He later on converted to Judaism. But the point is is that he was very very righteous. Uh so there certainly was and there are still many righteous people that are non-Jews that are going. Uh that doesn't mean that all of them are righteous and that doesn't mean that all of them are wicked. Same thing with Jews. There are many of them that are righteous and there are many of them that unfortunately are wicked. That's just the reality of life. Whether a person is born Jewish or non-Jewish does not make them righteous or wicked by default. Their actions is what uh makes them righteous or wicked. Actions being whether they follow the law of God or they ignore it or disrespect it. If they follow the laws of God, then they'll be righteous whether Jews or Gentiles. If they go against the laws of God, then they'll be wicked regardless of whether Jews or Gentiles. Why? Because God decrees who is good and what is good. And therefore, if you follow that, then you'll be good. If you don't follow it, then you won't. That's what Islam teaches. Anything that's true in the Quran is plagiarized from the Tawra. Anything that's not true in the Quran, which is a lot, is an invention of Muhammad. So, anything that you see that's similar from Judaism to to to Islam is because Islam copied from the Torah, how do we know? Number one, the Torah came 2,000 years before the Quran. So, obviously, it preceded it. Number two, Muhammad learned from Jews before he created and invented his own religion. He learned from Jews. uh later on he murdered them because he wanted to become the new leader and they didn't obviously agree for him to be the leader. But uh the point is is that anything that um you see that's similar it's not because the Jewish people copied from Islam quite the opposite. It's not a matter of disrespect or respect. It's a matter of reality. So it's there's a single truth that came from God and that's the Torah. Everything else is man-made falsehood. And that's why I said that everything that's any good and true in uh whether it's Christianity's New Testament or Islam's uh Quran, it's because they copied it from the Torah and you could actually see it. Pick anything that you like from your Quran. Anything. Anything you like. Anything that you think is really, really good. Go search for it in the Torah. you'll see that in already 2,000 years before uh it uh the Quran was ever uh was ever uh even thought of. Test it. Test it for yourself. I'm not You don't have to believe me. Test it yourself. Anything that you find good, you'll find it in the Torah. Everything with no exception. In fact, anything that's good in the world comes from the Torah. Not just in your Quran or in uh New Testament, but anything that you'll find that's good in the world has a source from the Torah. Rabbi, do you think the resurrection of the dead will begin by 5790 2030? Like the Z says the doesn't necessarily uh specify a absolute time. There are aspicious times for certain things to happen but uh we are not allowed to guess which uh which time the uh Msiah is going to come or anything like that. One thing I can tell you is that uh it cannot happen uh by 5790 for the resurrection uh because first of all the Msiah has to come. There's the wars of Gum Magog. There's building of beta mikdash. And only 40 years later is the resurrection of the dead. So that already takes away that 5790 out of the equation. So what kind of man will the Messiah be? Sadi. Righteous person. That's from the descendant of King David. The Quran talks about Jesus and Mary. Where do you have it in the We have it. Not only we have it in the Torah, we have it in this week's para in this week's Torah portion. In this week's Torah portion, what does it say? And you saw their abomination and their detestable idols of wood and stone. What's wood? The idol worship of wood. That's the uh cross. And then it says, "Perhaps there is among you a man or a woman or a family or a tribe whose heart turns away today from being with Hashem." What did Jesus do? He left Hashem. He turned himself into an idol. What did Mary do? She cheated on her husband with another guy and pretended like it was God that made her pregnant. She was actually married to one of the Jewish sages. She ended up cheating on him with another guy named Joseph. And then she pretended like Joseph is not the father. So she's told already, "God made me pregnant." So yeah, it says it not only says it in the Torah, it says it IN THIS WEEK'S TORAH portion where it says a man or a woman. You said Jesus and Mary, man or woman whose heart turns away today from being with Hashem, our God, to go and serve the gods of those nations. Perhaps there is among you a root flourishing with gold and wormwood. What where do they go? Where did Jesus and Mary go? They go to Wormwood. They went to they got, you know, hung on the on the cross. So yes, it says, of course, it says it. Of course. And it says in other places, too. Also talks about it in other places. >> [sighs] >> Can you work in merchant cash advance and still go to heaven? Hurting people for a living is never something that's going to get you to heaven. Do we get judged for life if our chuva isn't perfect? Uh, it depends. It depends about what you mean not perfect. It depends what uh the rest of the decrees are. Hashem decides the details of the judgment on Roshana. But uh I don't think that uh anybody is perfect if they're still alive. So we keep trying. Hashem knows we're not perfect. He's not expecting us to be perfect, but he's expecting us to try. Okay, we'll take one. We we Muslims believe the Virgin Mary was pure and innocent and Jesus was a spirit and word of God. Uh, okay. You could you also believe that Haman was friends with Par and that uh that Jesus's mother was the sister of Mosher Rabenu even though they lived over a thousand years apart. You guys believe a lot of nonsense. So this is perfectly fine with your collection of nonsense. Uh, if you want to wake up one day and realize that it's all nonsense because Mary was not the sister of Mosher Rabenu like your Quran says, they lived over a thousand years apart. Okay? And the Torah specifically says that Miriam, not Mary, Miriam, sister of Mosher Rabenu, died in the desert. But your Quran says that not only she's a uh she lived on, but she was the mother of uh Jesus. So you have there's a lot of nonsense in your Quran because it's a man-made religion. So of course, people make mistakes. You don't necessarily need to follow those mistakes once you realize they're full of mistakes. And if you want to see other lectures that I've made showing all the other horrible mistakes that are uh clear in the Quran, you could see them. uh I have many people that have come to me from different religions from Christianity and from Islam and after they've watched my lectures they realized that there is only one truth which is from the Torah everything else is false some of them decided to convert to Judaism from Islam from from Christianity they became Jews and some of them uh became righteous noahhide but but abandoned the false beliefs of uh their fathers whether it's Islam or it's Christianity or Catholicism uh because they realize it's false. So you could be one of those or you could stay in your way. Continue the mistakes of your fathers that told you that uh that uh Miriam is uh you know she's both a virgin and she's a sister and she's a lot of different things. I mean you could even believe that uh you know that Pikachu is uh Muhammad's brother for all I care. I'm trying to help you. You don't want the truth. There's nothing I can do. I can't force the truth down your throat. I'm simply trying to help you. You're watching me and not one of your imams because God is having mercy on you to give you a a chance to give you a chance to see the truth. He didn't send you to another imam. He didn't send you to another al Qaeda. He sent you to a rabbi that doesn't care about pol, you know, politics or political correctness. He doesn't care about anything other than telling the truth. And he treats everyone the same, whether they're Jews or Gentiles. I try to help everyone. I'm trying to help you. You want to be helped, listen to what I say, go double check my lectures. You will see that the Quran is false. It's not only false. It's full of evil. Tells you that uh rape is okay. Uh and all types of horrible things that are against all logic. Against all logic. You want to ignore the truth. Don't complain later on when God says you're going to Gome because uh you went against them. He said, "Well, but I I I didn't know." Huh? You had a chance. He sent you chances. Go check. Go check. You'll see how it's impossible, 100% impossible for the New Testament or for the Quran to be true. Impossible. Why? There are so many mistakes in them that it is impossible for them to be divine. And you cannot say, "No, but the Torah has mistakes." It's not possible. You cannot believe the New Testament or the Quran and say that the Torah has mistakes because both the Quran and the New Testament say that the Torah is true. So, you can't have it both ways. It's not possible for the New Testament or the Quran to be true and the Torah false. But it is possible for the Torah to be true and the Quran and the New Testament to be false. That is possible even according to Jesus that says that the you know the Torah is true and he's not here to change it. You can't even take a single youth out of the Torah which is the smallest letter and even in the Quran where it says uh that if you uh don't know what the truth are go to the people of the book which means the Jewish people they have the truth which is the Torah. So even the Quran and the New Testament say the Torah is true. So you cannot say that the Torah is not true. But you do have to realize logically speaking that the Torah is true, but it's still possible that the Quran and the New Testament are false. I'm saying it's not just possible. It's 100% that the Quran and the New Testament are false. And there's proofs of it. There's proofs of it. Why? There's mistakes. There's historical mistakes. There's a uh numerical mistakes, there is uh names, genealogy mistakes, all types of mistakes. This is the reason why there are over 200,000 200,000 variations of the New Testament and over 9,000 variations of the Quran. Meaning you buy kuran at the store, you go to a different city, you buy Quran over there, it's not the same Kuran. It's not the same Quran. You go to a different city, it's not the same Kuran. Go buy New Testament in one place, go to a different publisher, it's not the same New Testament. It's not the New Testament. It's not. But if you buy five books of Moses, doesn't matter where you buy it from. You buy it from this store or that store is always the same. That's the Torah. I tried with my cousin's husband who lives in Brooklyn because his relative is in the business. cash advance business. He said, "The rabbi said it's okay." And I sent him your videos, but I don't know the outcome yet. Well, hopefully he watches the videos and realizes that either the rabbi that he asked is clueless and ignorant about the law or he is a wicked person that's blinded by money. We learned. We grew. We answered some questions. We protested against the evil that's in the world and in our communities that has to be uprooted. Uh and we'll continue will continue uh to uh to do that. anyone that has the interest in being our partners in all the Torah that we publicize in the new uh distributing food to the to the uh to the poor in Israel and building this new headquarters. Donate on our website bhr.org or bhyk.org. It's the same website, just different domains. Uh we have a campaign there. And for the guy that kept asking me about the business advisor and all of that, there's an option for you. Like I said, it's a $180,000 and you'll have a uh you know, an hour of my time each month where you could ask me all your business questions if that's what you want. Uh and uh even if you don't want it, you still want to donate $180,000 or a million dollar or $10,000 or $12,000. Those are different options that you have on the site. Or you can even donate $100 if you want. Whatever you want to donate, it'll be good for you. Thank you very much for the support for learning and we'll learn again next week. Call to as the Torah says, the truth will rise even after you cover it with all of the dust in the world. the emit will rise anyway in the end. And this brings me to a point of reminding everyone of something that started about 12 years ago. Most people know that some of the most brilliant ideas are surrounded by a bunch of people that are naysayers that say don't do it, you shouldn't do it, you can't do it. Whether it started off with telling Rabenu that he's out of his mind for thinking that he's going to take all these Jewish people out of Egypt ord all of the major technological innovations we've seen throughout history, ones that you know of, ones that you don't know of, all of these major things didn't get notoriety from day one. Quite the opposite. The Bezim organization that we started 12 years ago is no different. When we first started the Bzim organization, we started with a shoestring budget. There was $25,000. That was a little bit of money that I had left that I put into it just to help some of the have the time, ability, and courage to start teaching Torah and put it on online. when someone else promised that they're going to do it and didn't do it, I chose to be the one that actually did it, even though I didn't have much. And also selling my car, the last of my possessions that I had after Hashem took everything else. And this little shoestring budget got us started. My parents helped us as much as they could monthto month so we could pay our bills. But in reality, we were living on a miracle each and every single month. We started teaching Torah. We started publicizing it. We started doing whatever we could to publicize what people needed. Even though there were many that told us we're crazy. Even though there were many told us that we shouldn't do it, we continue doing it. Over time, we started raising some money so we could publicize more books and CDs and posters, the aar posters you see everywhere today. These were all ideas that one after another everyone told us no. Why are you giving a bunch of money to people you don't know? Why don't you give it to yourself? Why don't you buy yourself a house? Why don't you invest it? Why don't you go back to Wall Street? Why don't you do this? Why don't you do that? This was a constant constant buzzing in my ear for years. But over time, as we continued doing more and more, the impact got bigger. And even though the first several years were very difficult, we're barely able to literally afford basic needs, we still did whatever we could to help as many people as we can. In the last five years, most of what's happened in the last 12 years took place in the last five years. In the last five years were a different level of difficulty, but also a different level of impact. In the last five years, we've distributed over $10.3 million back to AM is in books, in CDs, in USBs, in the Ashar posters, and other posters. two and a half million of them, 370,000 books. We fed over 251,000 people either by giving them money to buy food or by giving them food or both. We publicized Torah in over 15 different languages, over 40,000 videos. And guess what? Along the way there was plenty of people that said no you shouldn't do it you couldn't do it and the naysayers continued coming but the impact get getting bigger and bigger several years ago we had the idea and the dream of actually establishing a physical location our own place where we could have our own Torah lectures our own k our own place that we could have something For everyone from birth until anyone that wants the word of Hashem, wants the truth uncensored can come to that place where no one can censor us. No one can silence us. Some place that we could actually call home. We have some good things in Israel, but we needed something in America. The says in Shabbat that a lie that stands over a long period of time is only because it has a little bit of truth in it. The sages call this world the world of lies. So what's keeping this world of lies going? Them organization chose to be that little bit of truth that will keep this world going. Surely there's other truth. There's other out there that teach the truth. We're not the only ones there. But unfortunately the truth is harder and harder to find these days. And the reality is those people [snorts] that chose to be our partners 12 years ago and over the last 12 years became partners with the truth, became partners with the success of the truth as Hashem raises it above the dirt and the lies of this world. And many of them got endless miracles. Whether it was cures for cancer and other diseases, finding marriage when they haven't found before, uh having kids after being barren for a decade or longer, financial success beyond their understanding and dreams, all types of extraordinary. Miracles have happened to many of them and they continue to, especially those people that have made major sacrifices just like we did. And those people didn't only get those miracles, but they also got to be partners in the countless people that have done Chuva through our lectures, through our books, through our teachings, to be partners in all of the people that have converted to Judaism and are building holy Jewish homes, to be partners in all the marriages that became the fruits of our labor, became partners of all of the Torah that has been publicized, became partners in feeding all of that and as a result of it they became partners in all of it. In fact, we have three books that are on the way here on ships and these three books are not only special. We have the this will be in English as well as in Hebrew. that tell you what does it mean to be a Jew color pictures beautiful quality 60,000 of these are on the way and then we have a commentary of Kim unlike any other that's ever been written about the subject showing you every cle The Mishna mentions in order for you to understand the unlike any other time that wrote this and worked on it for many years says we made it easy enough for even children to understand these books. Anyone that will open them and learn them will first have to go through the names of some of our partners that have sponsored that have partnered with us. And this is what we do each year. People are involved in these projects sometimes without even realizing it. And what they also don't realize is that these books, they're not just sitting on some shelf. They're being distri distributed in the thousands and tens of thousands. So imagine those people that have been partners with us over these last 12 years making a major sacrifice every single year. How many people have done chuva because of them? How many people have converted because of them? How many people have learned from because of them? 370,000 and a 70 thou 75,000 on the way right now on ships right now. Meaning that we're expecting to be over a half a million between these and a few others by this time next year. How many people are going to learn to from it? How many people are meriting from it? All of those people that partners it. all of the people that helped us feed Am is both spiritually and physically. And what changes now? Now that we have our new headquarters that will have a soft opening during the high holidays and a grand opening a couple of months later, we'll have a physical place. a physical place not only to pray, not only to teach Tawa, but also have all of the strength that we've gathered from around the world, also centralized in one place in order to make our impact in the world a thousandfold bigger. So whatever merits, whatever miracles, whatever good people have benefited from and have been partners to over the last 12 years, we are expecting to magnify that no less than a thousandfold over the next 12 years. So what I ask you to do is not just what we ask you to do each year when you help us feed the poor, when you help us publicize more Torah during these high holidays for the high holiday campaign. But I ask each and every single one of you to think of what you would have done to be partners in all of those amazing things that I just told you about over the last 12 years if you could just buy it now. Well, even though you can't buy the last 12 years after it already happened, you can be partners to the next 12 years. And that's what I ask each and every one of you that cares about the Torah, that cares about the name of Hashem being publicized, that cares about the little bit of truth that's still keeping this world going. Be as big a partner to it as you possibly can. We have our campaign bhyk.org is the website. I ask each and every one of you to not only join and partner us partner with us on it but also get anyone and everyone that you know to be partners with it again because as says greater is the one that enables others to do a mitzvah than even the one that did a mitzvah. And asked which mitzvah is this says specifically one that helps other people givea meaning you give staka you give a th00and 10,000 50,000 100,000 whatever you give is great you'll get a lot of reward for it but guess what if you get your friend your cousin your neighbor your boss your colleague to give that money also you'll even get a bigger merit from what you've encouraged them to make to give as many people to be partners with it because these types of opportunities is not an everyday thing and the proof is the [snorts] last 12 years. It's simply what we've done that's been public information. The videos, the miracles, the shim, everything has been public. It's all available on our channels, available on our website, available on our apps, available everywhere. We have tried to be as transparent as humanly possible about everything we've done financially, spiritually, everything. It's been an open book. I want each and every one of you to do as much thinking and analysis as you possibly can, not only for yourself and what you should be partners with, but also to get all of the people that you know to be partners with it as well. We have our high holiday campaign which is the biggest campaign we have of the year. Each year is right now it's happening. Shah is judgment day for everyone. Anyone that wants a favorable judgment needs to do things to give the judge of all judges, the king of all kings a reason to judge you favorably. There is no better reason than telling Hashem, I want to publicize your Torah, I want to save your children from intermarriage. I want to save your children from idolatry. I want you to save your children from heresy. I want to save them. And is the one organization that has dedicated everything and anything in order to make that happen. And the proof is simply in the results. Thank you very much for learning with me. Thank you in advance for anyone that is going to choose to be a partner with us in this campaign and to be partners with us in this extraordinary new center that we're opening. And of course, anyone that wants to join us during holidays, especially men, Jewish men, we need as many as we can. Not because we don't appreciate the ladies as much, but because it's a new community, we need as many people as possible so we can have at least a minan or two in every prayer. So, uh, if you can, please come. It's the address is 4806 North University Drive. It's in Lauder Hill, Florida, 33351. and beadm a lot of uh remodeling and construction, a lot of different things are happening literally to the last minute just to get the place ready for everyone. So will be open and we'll be celebrating the holidays and this will only grow from here. But we're uh so excited about uh finally having this place that we're pushing the envelope to make it happen where we're already starting even prematurely to at least be able to pray there this holiday. Of course, we'll have a lot more to offer down the road as things are more prepared, but needless to say, we'll have more than what we need to at least pray to Hashem and thank him for the amazing things that he's given us. Thank you very much for being partners in the past, and thank you for those that choose to be partners in the future. Call to