MISHPATIM: What Your Business Says About You | STUMP THE RABBI (228)

to our weekly sh stum to rabi where after some you guys will ask questions and I'm sure you're going to have a lot of questions today we'll do our best will give us the answers um tonight sh is uh going to be for the and for uh [Music] and also for myself us and to all of all the righteous noahides that donate and support our organization and help us with all the wonderful things that the organization is uh doing um so uh to start off uh obviously there's a lot of things that uh have happened uh everything is of course part of the Torah which we'll talk about but a lot of things have happened a lot of things are happening uh so we'll start off with the uh uh thing that uh I know some of you have asked about uh when when I mentioned to you that uh a few days ago that uh after uh this uh lecture uh I'm going to be taking a break uh I don't know how long the break is going to be um that's because uh I'm have to have a surgery uh will help us uh and um I don't really want to talk about the details don't ask me about it not privately not publicly uh who what when is wrong I'm not looking for doctors um in so many words I have to uh take care of something and uh have to have a surgery next week uh and uh I'll be gone for a while I don't know how long it's going to be but if you guys will pray for us will give us will be a successful surgery and B a uh end to this uh to to this uh so that's uh that's that uh as far as uh the other thing that uh I'm sure uh more of you know about is what actually happened to all of our YouTube channels and everything that transpired uh over the last 48 hours last 48 hours have been uh quite a uh experience a traumatizing one to say the least uh and uh of course with MIM it has everything to do with it now MIM and again I'm going to talk about what happened in the last 48 hours uh as our uh all of our channels pretty much email main you know email uh were hacked uh hijacked taken over completely rebranded um and we've been uh working around the clock literally uh sh bless team hasem and everybody that's helped uh to uhem get most of it back uh it was it's been a um very very difficult situation but it all has to do with it all has to do with see this week's par is that right after uh we received the Torah in Mount sa but really it's a continuation of the story we continuing to receive the Torah at Mount but MIM talks about the business laws uh the damage laws of Damages and our sages teach us in the that uh anyone that wants to be righteous should study the Torah business laws or the laws of Damages that are in the uh this of course applies to uh to Jews not not to non-jews Jew non-jews are not allowed to study the uh but um of course ethics in business uh knowing what's right and wrong is expected for everyone including noahides now the question is what does the way that you conduct your business the way that you work for somebody as an employee the way that you you know manage employees or have uh you know vendors pay uh you know pay people you know give refunds to your customers whatever it is all your business dealings the way you buy real estate what does that have to do with your spirituality because thear is specifically saying if you want to be righteous you have to study these now of course everyone has to study them regardless we all expected to uh uh to you know serve a but again the question remains uh what are the two things have to do with each other and in fact this has to do with with adults children male female uh you know the the working uh uh husband or wife the uh you know the the uh wife that's uh you know that's taking care of the kids at home this has to do with everybody and the answer is that the way that you conduct your business the way that you conduct your money Affairs has everything to do with with your spirituality so much so that the sages teach that violating these laws is not considered different than desecrating Shabbat now while these statements of the sages seem exaggerated of course everyone that's clueless uh about the Torah laws immediately jumps at the fact that they think is exaggerated like this one uh spiritually you know almost critically ill person has been uh spamming me over the last couple of days of how he doesn't even think that wasting seed is uh is is from theah and it's okay and all types of stupid things that he's mentioning I I don't even want to repeat them people that are spiritually sick typically they uh they you know they always say oh no no it's exaggerating you're exaggerating and of course it does seem exaggerated seem exaggerated business law okay I didn't pay uh refund I didn't uh you know work the hours that my boss thinks I worked uh I didn't conduct my business Affairs the right way and therefore I'm in the same category as a Shabbat yes technically why tonight we're going to learn exactly what the sages mean and get some insight about the changes that all of us need to make we're going to begin with what happen to us as an organization over the last 48 hours um and uh this was not something that uh you could even ever prepare for uh all the technology knowledge that you have uh cannot prepare you for this and it all started with this email this is an email that uh I got as you can see it's from YouTube and it even has a YouTube address so it's not like some you know uh zimbabwe. uh.com it's not some random numbers or some spam email this came from YouTube how somebody can send an email from YouTube when they're not really from YouTube of course the scammers always find ways this email from YouTube told us that uh there's a uh message from YouTube president or CEO uh about changes in the monetary policy 4050 second video uh that uh in order to uh continue having a YouTube channel you have to authorize it and this is something that's happened many times I mean there's a updates on YouTube and every other social media and every other bank and and every other organization on a regular basis you get emails oh we're changing the privacy policy we're changing the this policy and you have to authorize agree disagree read ignore whatever you want to do in this case it's one of those that you can't ignore and uh they sent your video now they sent this video of the CEO of uh YouTube now you know that uh it's possible that it's AI moving as lips or whatever but it didn't really make a difference what you saw is a video it's 40 seconds saying if you want to continue with a YouTube account you have to authorize this take this uh form that's in the description box of the video uh and uh put this uh code in there and uh I alongside thousands upon thousands of people around the world fell for the scam and the moment that I put it there I knew I made a mistake I didn't know why but it didn't take long for me to realize because within just literally a matter of two minutes or less I see my access to my account has been changed backup emails removed backup passwords and the Backup backup passwords and the pass Keys everything literally in a matter of less than two minutes maybe even you know less than a minute everything is gone everything is out of our control all of the channels the main channels the uh the the main English Channel that you're watching this on uh which right now is closing in on 70,000 subscribers the Spanish Channel bash that has something like 22 23,000 subscribers uh the uh RAB FES channel uh you know the pretty much everything we have across our uh everything probably something like uh 20 or so different uh channels uh whether it be the uh Spanish Chinese Korean Arabic uh French German Russian um Portuguese uh and other languages I don't remember right now the chuva music uh channel for the music that everybody B loves the BH kids uh channel that many people love especially mothers that can give some kosher Torah in English uh to and Hebrew uh to their kids uh that's entertaining that's uh up to date with the technology uh and you know lots of channels lots of work lots of you know employees and volunteers and helpers and and endless work over a decade worth of work and you see all of that literally within a matter of seconds disappear everything is out of your control you lost access to everything and what makes bad into worse is when you see that they take literally within two minutes they take your channel and their other channels and Rebrand everything you look at this they're publicizing some cryptocurrency crooked company I don't know it's crooked because obviously they're doing this this uh corrupt company calls it under his name Brad G's long uh ugly last name but yet you see if you get close enough the channel is still my handle rabu but they took everything changed everything literally within a matter of seconds all of our videos hidden and if that's not bad enough within a matter of seconds later they're already scheduling a live stream with this guy on there this Brad guy and they're marketing it I mean I I would love to know how they marketed it that literally within seconds after this guy went live uh which was I think about a half hour after they took over the channel they had over 35,000 people watching it live and again how quick quickly they did it and what they did was just unimaginable and they started and immediately they put all types of different videos on the channel how they got it how they uploaded everything so quickly is beyond me they had uh superhuman technology so you see this guy is on there he's giving a live feed as if this is his channel as if the Spanish channel is his channel as as if all the channels are his and when he's uh done then you have another guy and they're just putting one video after another and of course we're seeing this in real time trying not to lose our minds um there's nothing there's no one you can call YouTube Google does not even have a phone number that you can contact in fact you can't even contacted through the YouTube or the uh Google website um you have to go to Twitter you have to go to x to go contact them and then when it's everything is slow motion and you have to convince them that your account has been hijacked and and not only it's everything is hacked you have no access to your stuff and uh God only knows what else they're trying to get passwords for different things for financials for this and you're you know obviously uhem they they they they focused on YouTube and that was the most bizarre thing of it and again this happened to thousands and thousands of people not just us uh because of how good the dam the the scam was I mean it came literally from a YouTube email um how can you possibly even prepare for such a thing and of course all the people say yeah but I you know I knew I knew all the on didn't fall for it you know usually don't really have a uh you know uh active following either um said no I would have known all right whatever you would have known you didn't know point being is is that uh you alongside thousands of people are filing and these forums to convince the YouTube that everything has been hijacked it's really not theirs it's yours okay so send us an email yeah but they took over the email too and but I have this you know another email yeah but that email you know it used to be part of the account yeah but it's not part of the account now cuz they removed it all right so put the password yeah but the password doesn't work all put the pass key but the pass key doesn't work and and everything is gone and you have to go through this whole thing and you have no idea if you're ever going to get it back some people are saying listen that's happened to me it took me a couple of months to get it back some people saying I didn't get it back some people said I got it back within a few days you know there's a there's no there's no uh perfect signs here uh and we literally worked Around the Clock filling out forms sending messages from Every Which Way uh you know whether it's uh myself or the team you know yones you know you know the uh everybody's you know there's obviously a lot of other people on the team but you know the three of us were the main ones that were dealing with this fire and uh God blessed him for that it's a uh it was a uh wasn't that uh the others didn't want to help just there was nothing to do there was nothing to do and uh you're trying to keep your sanity and and all while you're I'm getting this happening the uh the humorous part of it is that some of you you know uh send me messages I think your account got hacked it's like it's like somebody you know fell fell off a cliff broke their leg and then somebody walks by them and says I think you broke your leg like you really think you acknowledged it and and and we're not like we're so far removed from reality but whatever people are trying their best people and since there's so many people so you keep getting the same message over and over again what happened to your account what happened to this where's the thing why is this happening but the strangest part of the whole thing is that you would think somebody hacks into everything takes control they're after money but that wasn't the case they're after money but uh they were also looking to destroy the channels because within I think about an hour maybe two maybe two hours I don't know it's kind kind of hard to track the time at this point once you lose control and you know when uh uh all the videos they're posting and everything YouTube shuts down everything why they violated the policies they posted things that are you're not allowed to post um which again I wasn't really tracking aside from the first initial posts everything is shut down deleted the accounts are gone and now you know you don't even know if you're ever going to get it back so you have 10 years worth of work and how great he is how big he is shows you how amazing he is and how big he is where no matter where you stand who you think you are who you don't you know what you build what you didn't do in a second in a second it all can disappear as if it never existed I mean it's miraculous I mean this was one of this was my first realization uh as this was all happening after I started collecting myself and I started laughing and and and and and just say amazing how took hm gave hem took may his name be blessed but look how great he is how in a second over a decade worth of work from myself from FR from from the other rabbis of the organization from the volunteers from the employees from the the films from the uh everything everything is gone as if it never existed doesn't even have your name on there anymore there's a different ugly guy on there and his company uh pretending to be legitimate uh is there it's G everything you have is gone and if you've dealt with YouTube and social media and Facebook and all that stuff there's really no reason for you to think that this is ever going to be undone because and we've had situations that much less than this happened to us on Facebook there somebody would uh post something by mistake or uh or there was a copyright issue and and literally ye years years have gone by and Facebook has not removed certain Flags they have in our accounts which do not allow most people to even see our accounts unless they actually search for them specifically it's called Uh Shadow Banning uh all like literally emails phone calls money whatever you can imagine years it's been five years they haven't changed anything they haven't fixed the issue uh you know UPS uh you know it o us thousands of dollars for for for for mistakes that they've made I'm waiting for the refund for a year and a half now every week we ship up UPS we spend thousands and thousands of dollars every month shipping stuff to all over the place all these boxes that you guys get that you order from the kiru store cost a fortune every shipment if it's you know local you know it's this amount if it's going to New York it's going to California it's going to Canada some of these packages just to shipping loans two3 $400 so we're spending thousands of dollars on shipping these books and and these USBS and everything else and definitely appreciate when people donate to help us with it unfortunately most people uh like to order uh don't necessarily always like to donate but Hashem sends one way or the other but either way we spent a fortune we're an active account with with UPS already for many many years even before had it uh you know on Wall Street over two decades refunds for their mistakes that they admitted that they confirmed you're wasting your time they owe me thousands of dollars emails even the supervisors within UPS cannot even do anything about it like literally took whole thing another shipping company we have in Israel lost a bunch of stuff that we have you know they literally they just said oh yeah we can cover 1% of the damage like it's just people have no concept of of of taking ownership of their mistakes uh of their anything so there's really no reason for you to think that you're going to get any of this back and you just lost everything you could do whatever you can to fix but what are you going to do but runs the world and he simply made things start to work the emails got through we got responses we filled out we proved our cases and miraculously within you know less than hours uh we got uh started getting control of one account at a time fix it remove stuff that these criminals put on redo things and uh I would say now uhem every you know we obviously changed a bunch of passwords for other things for different sites for PayPal for you know the other for banks everything else obviously well before that but the point is is that uh almost everything is back to normal there's only one small channel uh in Dutch that hasn't uh come back yet but that was actually our newest Channel that uh you know was not really developed yet it was only uh uh I a handful of videos and maybe 50 100 subscribers uh but whatever aside from that everything is back which is literally no less of a miracle than how aadh took it in one second aosh who showed us how great he is and how doesn't matter what you think you're doing doing not doing I want to remind you I run the world and in a second everything is gone yeah of course the Satan had a great time he enjoyed himself he enjoyed driving us crazy he enjoyed that we didn't sleep for a few days he enjoy he enjoyed the the uh uh all the problems but the point is who's in control of everything who allows all this to happen shows in in a second everything is gone and that's that's that's an amazing amazing lesson to learn but at the same token you also see hashem's mercy and how much he loves his children and as I uh wrote in the uh post yes I didn't you know I didn't respond to anybody that was sending me messages your channel was hacked where's your Channel I didn't respond to anybody only a couple of people uh were getting any responses for me uh because they were working with me on getting these accounts back aside from that uh I didn't even see my kids for a couple of days literally was in this room without leaving uh but uh after that after everything started uh settling back I sent we sent out a post uh sometime in the middle of the night yes our channels were hacked and hijacked but hasem got us back so this rabai is the story it could happen to anyone it did happen to to to countless people but the question is how does this have anything to do with what we said earlier you see is the of the which emit the part of the emit that talks about about the most critical question that a person will be asked first as soon as he gets to Sham as soon as she gets to Sham thear inat says as soon as a person dies the is brought after the after the whole thing is brought up to sh in front of the B of heaven and is asked questions the first question it's asked did you conduct your business with a in mind that he runs the world meaning did you cheat in business did you lying business did you uh give Mel did you givea did you have a corrupt business that's predatory lending or some other uh you know forgery did you teach people to lie did you people to steal well you're a thief yourself what did you do in your business it's not no one asks you what did you do in a synagogue no one asks you you know what did you do on your weekends for fun but you are asked how did you conduct your business this is the first question and therefore the page 38 says the one who wishes to become a religiously devout person should be careful regarding the laws of Damages and this refutes the misconception that religion is confined to Ritual and Temple Services absolutely not your business Affairs are your spiritual ident en itty in essence it is your DNA because how you conduct your business says everything about how you conduct everything else and say one who is negligent with someone else's property is as irreligious as someone who is negligent in regards to shabbat or observance so when a person works for someone or has people work for them you have customers you have vendors you have suppliers you have all types of things and you don't know how to be a righteous person in business you already failed the first question in the bed of heaven and saying Gom is an understatement is there are many stories whether it be RAB AKA who saw a Ru carrying trees and he looked black and he told him to stop commanded him to stop and then asked them why do you why why are you carrying all these trees who are these bosses are you a slave I'll buy you I'll help you she says no no I'm not from this world I uh take these trees I have to cut these trees every day and then the burn me with them or it's and with a similar story by a woman named Rosa or it's another story by vital in a name of uh of of his Rabbi the the AR or tell himself another story or the story by the the common denominators about these people was immorality and business corruption Tax Collectors people that stole money lend money with interest and immorality wasting seed promiscuity and so on but the ones that I mentioned specifically were with the exception of Rosa the rest of them were all business corruption business Affairs they don't even go to Gom they go to and literally suffer for countless years and the worst possible thing you can imagine so the par of laws tells us these are the laws which laws kosher laws no which laws holidays not yet at the end of the par these are laws of business first business affair servant those days it was acceptable to have servants one of the reasons was that asight that there was accepted in society in those days there was also this was one of the ways that a thief could pay back his theft if he didn't have the money he would sell himself for a certain amount of years and then as soon as he paid it back it said he's free unless he wants to stay but the point being is is that to doesn't just stay there talks about court how you're not allowed to go to secular Court the Jew that goes to a secular Court without going to a bedine even if the secular court has the same rules as the Torah that Jew is considered as as if he's desecrating God's name and destroying the world and God gives us all types of Damages that happen whether it's someone that took advantage of a young woman that was naive or someone that hit somebody and hurt him or killed them or even hit a Rel relative or a servant mid servant or someone got into a fight two people got into a fight and a woman got hurt and ended up miscarrying because of that or his property caused damage to somebody else's property he had an ax the ox ran over a man or woman or a kid killed them caused damages in this in today's world this would be like a car accident or somebody's a uh property hurt somebody else's all of these things all of these things are in the and the Tora tells us you have to know these and live by them no less than observing Shabbat no less than OB deserving Shabbat because thear says that the details in every law are so profound that hasem even considers the suffering of the Thief to make sure that he doesn't suffer too much he's not allowed to suffer more than he's he's supposed to suffer because he's supposed to get hurt but not just do no like in a secular world the laws are demented make no sense whatsoever in one country you know doing uh investments in the stock market uh with what's called Insider information is legal and in fact if you don't have Insider information you don't invest it's like China Japan those countries Insider information is standard in America if you do the same thing you go to jail for 5 to 25 years on the other hand somebody that kills somebody in America could get less time in jail than someone that made extra money or avoided losing money with Insider information meaning that guy that made money in a apparently illegal way according to the US government is worse than someone that killed another person or raped or p IA and all the other garbage that's out there and you would think okay so they say let's say that's their custom their money is their God and therefore their laws of money are very strict like you have in places like uh Singapore and Indonesia and these uh countries they have very very strict laws specifics uh in regards to you know a uh whether it be uh um you know cleanliness or or or specific uh language that people use or a uh um you know different types of things that they have that are completely unacceptable in America but over there it's acceptable in Israel for example the uh chief judge that just got the top position is a criminal convicted criminal they ask how can you actually have a convicted criminal and the chief judge what do they say no no he didn't do nothing he's he's perfect he's the best this is the new judge they put in power in the last several months so you have all types of ridiculous things the laws of mankind are completely worked now back to let's say for example the uh let's say you want to try to rationalize it so okay fine you know what in America their money is their God and therefore the money laws if you make money with inside of trading is uh so strict worse than murder wor worse than rape worse than pedophilia worse than everything else so just don't don't don't be corrupt when it comes to uh to money okay it sounds reasonable at least to a certain extent then how come this new multi- billion doll industry of cryptocurrency is full of corruption in unprecedented levels only seen at the time of the generation of Noah every single day there is a new mem coin or crypto coin or all types of other garbage things that they people are releasing that are outright Ponzi schemes outright scams like literally they scam people out in the open they tell people buy this I'm an Insider meaning he's giving Insider information people buy into it only to see the investment evaporate 90% moments after they did it the guy put 10 20 50 $100,000 of his money because somebody told him listen he's this guy's a celebrity he's a professional soccer player he a YouTuber he's a whatever he is apparently the president of the United States also promoted one of these things that went down 90% right before he went into office a couple days before he came into office and his wife too and both of these uh things went down drastically but the point is is that you see that this is outright stealing from people in broad daylight and who makes the money the Insiders the same people that would go to jail if you did that with stocks for years are doing it in much larger numbers out in the out open where in the stock market people that trade on inside of trading they hide it they meet in secret places they speak different ways you know because they know it's wrong or it's illegal here in a cryptocurrency what's been happening the last couple years out in the open they tweet about it they make videos about it laughing at people and then they promote another coin it's become so easy that even a 13-year-old did this three times in a matter of uh less than a month start launch something robbed everybody's money couple days later launched something again robbed everybody's money few days later launched something robbed everybody else again and made a video making fun of them if you do even one of those things in the stock market the same Financial Market in the US first first transaction you're in jail for countless years here they're doing it every day out in in the open and the x or Twitter is a cesspool promotion for all of these that and Reddit and all the other social media platforms so you see that the laws of man are corrupt and make no sense but when you go into the laws of the Tora says there's no such thing as being a criminal without consequence and if somebody gets away from it gets away with it in this world they still don't get away with it in the next World nobody gets away with it but even if you go in this world you found a thief you caught the thief he stole a uh the equivalent of a car he stole a uh an ax he has to he gets unlike stealing money where he has to pay double he stole the ox he has to pay five he has to pay fivefold but if he stole a sheep four what's the difference a sheep or an ox Torah says page 79b that if he stole the Sheep he already got embarrassed to a certain extent because unlike a ax you could just walk with it like a car you could drive with it pretend like it's yours there nothing embarrassing about it people think nothing of it but with the Sheep you can't just walk around like nothing you have to carry this thing on your shoulders it's embarrassing so you got embarrassed a little bit so his fine is less the the the Precision in the law shows you that a has Mercy even on the criminal doesn't mean that the criminal gets away with murder or could do whatever they want no everybody gets punished but the point being is is that the laws of the tah are unlike anything you can find in secular Court no matter what country and therefore the rambam says a person has to know that when it comes to this guy that stole the sheep or the ox or whatever he stole this is not just to teach you don't steal this is also to teach you that it's forbidden to buy stolen property because by buying stolen property you are encouraging the thieves to continue with their trade you become an accomplice to the crime therefore the Torah demands not only that people don't sin but they don't do anything that will encourage or imply approval of dishonesty that other people have you have a friend you know that his business is corrupt he steals from his customers he's in his cash Advan business that teaches their employees to lie to people like this recordings that I've heard from one of the uh cash advance companies that is targeting employees in Israel even though the customers are in America and he has training recordings and I heard this with my own ears how he teaches his employees to lie to people about who they are pretend like they work for the government pretend like they are in some type of business administration segment of the government or something else pretend like they're uh simply not criminals and the way he talks with confidence and uh conviction that this is not a big deal lying to people is not a big deal being a predator is not a big deal according to him he also pretends to be religious too by the way don't think that he's shabat no no no he you go you see him you're going to see him in on Shabbat is on on Sunday you'll see him with on you'll even see GI Daka how many of these organizations are raising millions of dollars from hands that have blood on them knowingly they know that the guy has a cash advanced business they know that the guy has a crooked business but they still go to him for donations why he's making so much money every month they don't feel shy about asking him for half a million a million 2 million 5 million whereas the other people that are in standard businesses even if they're successful people are always gunshi asking a lot for a lot of money but the cash advance business debt consolidation business which is a new scam that's being merged with the cash advance this is all called fast money fast money people literally they start day one without even knowing the definition of cash advance without even knowing how to balance their checkbook within a matter of a few months they're already making tens of thousands of dollars by literally destroying people's lives in the process what it's not my fault that he couldn't pay it it's not your fault that he couldn't pay it what you didn't think that if he borrowed money at a APR of 100% 200% 300% it's impossible for him to pay it especially since he has to make payments every single day in many of these cases they literally take money out of his bank account every single day and if he defaults on one of them he's done for even if he made 900 payments in a row he defaults on one he's done with could lose his business lose his car lose his house lose everything and he has to make these payments why because the percentage is so high 60 80 100 in some cases 4,000% there's no way that the creditors are willing to wait a whole month for payments two months for p no they're not waiting a year no they take payments literally in many cases every single day in some cases a once AEK week but in all cases every one of the people that borrows money ends up having to borrow more money not because his business needs more but he now needs more because the rate of interest that was charged the N the the bite of the snake that these criminals take from him every day every month is so big he didn't realize he didn't realize how big it is it sounded good so now he has to refinance the loan and get another loan and that's why a very high percentage of the people if I my memory is correct well over 70% of the people that borrow money from these cash advanced businesses I have to get a second loan why because the first loan put them in so much trouble they have to they need more time they need more money to pay back the first loan and literally while there are many Gentiles in this business many secular people in this business unfortunately there are also many people that call themselves religious Jews in this business and these people are making a fortune not just the owners like it's typical in business is if they're success the owners are the ones that make a lot of money yeah of course the owners are making a fortune but even regular employees guys that literally may not even know the alphabet without getting some assistance from somebody within a matter of a couple of months they're making tens of thousands of dollars and no one thinks much of it I have a guy that's saw my film or at least one of my uh uh about the topic he's like listen I have a business that sells I don't know some product furniture or whatever it sells small business sells it uh but I wasn't I was having struggling with it and in the same building there's a cash Advan business that needed a bookkeeper so they hired me bookkeeper bookkeeper you can get for 100 bucks a month 200 bucks a month you know you get bookkeepers for nothing they're paying this guy $150,000 a year to be a bookkeeper you didn't think there anything wrong with it that they're paying you so much money to be a bookkeeper well it's a lot of money and it's helping me run my business yeah you're killing people you're you're the guy that's processing all the death certificates no but there's no way that maybe it's allowed or maybe not what's allowed what's allowed how could it possibly be allowed you know firsthand when you look at any of the loans on day one everyone seems happy the broker is Happy the customer is Happy the bookkeeper is Happy the uh clerk is Happy the secretary is happy even the phone company's happy but it doesn't take much longer before that changes and the customer realizes that he just made a mistake of his life why because he didn't realize that 50% uh uh per six months is really 100% per year and even if it was just 50% it's still predatory but he didn't realize that he has to pay double the money just a break even he borrowed 10,000 he has to give 20 he didn't realize that why is he going to get that kind of money he figured it's going to be like a credit card you borrow 10,000 you have to give back I don't know 12 13,000 no no NOAB not only you have to pay double you have to pay double now you don't even have five years 10 years to pay it and they're getting all the young naive or the struggling Jews to go into this business we going to tell them where else are you going to make1 $20,000 a month without having experience and all types of certificates and diplomas and so where you going to make that kind of money the best job you can get is Maybe working in a stock room maybe a couple hundred a week here I'm telling you I'm giving you a job you can make a couple hundred an hour for what making phone calls answering phone calls they don't tell them for murdering people and destroying their life they don't tell them and I heard phone calls of people of victims of these cash Advan companies how they started off with one small loan the business was good the business was successful the business was making $7 million a year and a small loan to get them to close a deal faster than they would otherwise small loan for a few hundred th000 has now ballooned into seven loans that are 10 times the size of the original loan because of what happened because of the interest the $7 million business literally is using the vast maj majority of its profits just to pay the loans there's no profits the owner is sleeping in the office and you think this is one business countless businesses like this but yet there are organizations there are rabbis there are all types of people that know what I'm saying to you is true but they still put their check mark on it they still accept the donation from these criminals they still even ask them for donations they still call themad they still pretend like everything is good every one of these people is going to go to gomf and all the worst possible things that I ever told you about from the Torah and the stuff that I didn't tell you about and will never come out why they are literally creating a holocaust and this tells us the business law if you violate them you're no different than now most people think okay well I'm not in a cash advaned business I'm not in the uh these corrupt businesses I work for uh telephone company I work for uh you know computer company I work for law company whatever okay great you think that you're fine because you work your employer pays your salary yes you have to go to work yes what time to what time you have to go to work let's just say you have to go 9 to 5 now you work 9 to5 as far as the hours as far as what pay you get but in reality you don't work 9 to5 according to statistics the average person that works 8 hours a day according to the salary Maybe we get one hour per day of actual work why the rest of the time they're wasting the rest of the time they're wasting on the phone with their girlfriend with their boyfriend with their phone company fixing their phone buying a phone doing grocery shopping chitchatting with the co-workers going to lunch going to the bathroom hiding in the bathroom eight hour work day average person is getting an hour some companies already started instituting changes get people to log on to see what they're actually doing and you see oh yeah he logged in for uh five hours he logged in for five hours but according to the system he didn't work for five hours the computer was on for 5 hours yeah computer doesn't go off he was logged on with his keyboard but according to the system according to reality in the best case scenario out of the 5 hours maybe maybe he work 30% of the time maybe why he's a thief she's a Thief what did he do the rest of the time I don't know watch YouTube play on their phone went grocery shopping play with their kids play with their uh I don't know with tools who knows what they did they think well but I'm religious I'm a religious uh person I pray to God every day okay you could pray as much as you want but guess what you have a very serious problem no different than no different why you're a thief there are some employers that don't care why they don't really care how much time you actually work they care about results he says listen you have whatever time out of this day that you're working I don't really care I'm not paying you for the I don't care about the time if you finish your work in an hour go to the beach for all I care for the rest of the day I don't care what you do c certain employees like that but the vast majority of employers are not like that they pay you for 9 hours because they expect a high percentage of those eight or nine hours to be actual work not for it to be you doodling with your hands and drawing pictures and chitchatting with your friends on Tik Tock they're not paying you for that so while you may not be the criminal from the cash advance business the criminal that uh is selling things that don't exist the criminal that says I'm going to do debt consolidation but in reality after you pay me the fee I'm not going to do anything I'm just going to tell you you owe the money I'm going to tell you that I can help you with your uh tax refund but in reality didn't do anything you're not getting anything I can help you with your uh credit problems in reality I didn't do anything yeah but you got the fee I paid you $1,000 paid you $5,000 yeah yeah why don't you do the work no we tried it just just didn't didn't work what did you try no we tried stuff can you show me what you tried no we don't keep our record of all that stuff can you show me some emails no we don't keep it we don't keep it we can't show our internal emails also so in so many words I have to take your word that you actually tried and did something even though there was no results whatsoever and the money that I paid you the th000 the 1500 the 2,000 the 5,000 there's no way of getting that back right right the only one people in construction business how many people you know are in construction business every's in construction why easiest business in the world to steal money why everybody wants to everybody makes a little bit of money everybody has issues yes yes seor what can I do for you well we uh want to uh fix our um kitchen okay we'll fix your kitchen what about you living room oh maybe the living room too okay no problem give me a quote okay get quote 40,000 50 100 200,000 depends where you live okay you have to give half the money now okay give him half the money he's excited she's excited we're going to have a new kitchen yay okay they start destroying stuff 40 50% into the job all of a sudden they don't show up to work hey what happened how come you're not you're not in my house today finishing the kitchen no no we have another job but I paid you for mine yeah yeah you paid us but other people paid us also when are you going to finish when you going to come I don't know I'll let you know weeks pass by you're still with a broken kitchen you're still missing tiles on the floor on the on the walls on everything what he already got half the money 75% of the money sometimes all the money and good luck if you actually think that he's going to finish the job most people that do remodeling jobs have to at least go through three contractors why first two cheat the third one already finishes most of what was left in so many words there every time you go into a house that was remodeled you're always going to find there's something missing missing brick here missing there why criminals criminals and this is standard standard replacing air conditioners replacing this cars whatever every business corruption has become standard and every single one of these people is going to suffer tremendously in this world and the next why being corrupt in business means you failed the first question that you will be asked in sh the first question you'll be asked in sham T says chapter 22 verse 24 when you lend money to my people to the poor person who is with you do not act towards him as a creditor do not lay interest upon him if you take your fellows garment security until sunset shall you return it to him for it alone is his clothing his garments what's going on here what's going on well okay great there's no such thing as asking somebody are you Jewish before you give him alone therefore no matter what a person thinks he's doing for sure if he's in the lending business he's also lending to Jews and he also lost his because of that too and that's not just even if he's doing it with low interest rates now there are many businesses outside of lending Consulting legal Investments where lying is part of the practice they lie about themselves they lie about their capability oh you want a new website no problem we can have it for you in U 3 weeks now they know the last 10 customers that they got they also told them the same thing three weeks and the last 10 customers not a single one of them got it in three weeks in the best case scenario two three four months but they still do it they still lie to the next customer to get the deal they want the 10,000 20,000 whatever they're going to get you call the lawyer listen I have a case this guy caused me damage car accident this what do you think of the case I think it's very strong I don't see how you could lose this one I think you're very strong listen I can't guarantee but it looks very very strong yeah okay all right you sound good I want to hire you to my lawyer all right sign over here pay the retainer 5 10 15 20,00 ,000 and we'll get to work all right the moment that money comes in all of a sudden the next conversation the lawyer doesn't sound so confident listen it's a tough case yeah but you knew everything beforehand tough case what you tell me tough case I don't care a tough case I paid you I paid you for a tough case yeah listen it's uh I don't think it's going to cost uh I know I I don't think it's going to be that it's it's going to be a tough case I think maybe maybe you want to settle for uh 2% of what you asked for maybe you're going to owe them money what what but what do you mean but I paid you but I paid you I paid you and you told me that it's it's a easy how could I lose you are more confident than me I don't I don't know I don't know but I don't know I don't remember saying that I told you you know I can't guarantee anything that's what I do remember saying all of a sudden they have all the right words to say now guess what you think you're the first customer they this too every customer he says the same thing every customer he tells them before the retainer very confident you're doing great the money comes in all of a sudden the confidence the patience the time the expertise everything goes out everything goes out out of the window why made the sale already made the sale lawyer accountant doctor It software engineer developer it doesn't matter what profession lying has become standard policy in the world and the Torah says in chapter 23 verse number seven distance yourself from a false word not only don't lie but if you know that in your company there are liars what permission do you have to work there if you know that the way they're making money is by lying to everybody over promising and underd delivering if they even deliver why do you think it's a good place to work well listen all I do is just the bookkeeping oh so you're pretty much tallying all the dead all the victims it's a very very difficult world to live in when corruption is everywhere you look when corruption is everywhere you look most people send me business questions it's not because the idea is difficult or the the question is difficult eight out of 10 business questions that I get and it's not just me I can assure you it's pretty much everybody do you get from people eight out of 10 questions that people ask you about whether something is allowed or not allowed is because what they're doing is corrupt is because what they're doing is wrong am I allowed to sell this product even though I got it from somebody else without paying it can I still sell it and make money well you think the creator of this product call It software call it Hardware call whatever you want to call it do you think the guys that invested their time their money to pay employees to pay for the internet to pay for contractors to pay for for merchandise to pay for for tools do you think that their intention when they built all of this was for you to take it for free and you make the money you think you think that was their idea you think they're they're so Noble and kind that they invested paying employees salaries they paid for electricity they paid for vacations they PID for times off they paid for sick days they paid all of that so they could create something not because they want to make money no no no no no they don't want to make money they want you to make the money so you could sell it because you found a way to hack it you found a way to steal it you think that's that that's what their intention was I don't I don't know I'm asking if I'm allowed I don't know of course you know of course you don't need a ride bik for this you need to go to prison for this that's how you're going to learn but in this world nobody goes to prison for doing that why corruption is expected in this world corruption is standard standard RAB big companies small companies doesn't make a difference insurance companies even when I was in the financial business we always laughed at this insurance companies have two buildings one building is to sell the policies one building deny the uh the claims that's how it works one building the sales get people to get insurance hey Mr ruven you want to get a Disability Policy just in case something happens I mean you're making a lot of money in case something happens you know we you want the business to continue running sure how much it cost oh it cost a few thousand a month and so on and so forth all right what it's going to give me all right it's supposed to give you $135,000 a month just in case so it cover your expenses at least okay I'll pay a few thousand I'll get1 135,000 no problem okay fine yeah where do I sign so the first building made the s for years you're paying this policy because in case something happens even though when you bought it you're perfectly healthy everything is good you don't really expect anything to to uh to go wrong you don't buy an insurance policy for your house because you expect it to get burned you buy it in case it gets burnt you don't buy car insurance because you expect to get into car accidents or you expect somebody to steal your car no it's in case that happens so you pay you pay the insurance so the first building the product seemed perfect the health product the car product the the the disability product whatever product first building experts they're friendly they have good marketing material they seem even generous when they give you these little CH keys to to make you feel like you're buying into a brand name and a reputation when are you going to find out the whole thing is one big hoax when it's time to file a claim when it's time to file a claim all of a sudden you see that it's none as easy to get money from this policy that promised to get you money as it was to pay the money paying the money is always easier paying the bills always on time Shem have mercy on you if you're late on your bills always on time the landlord always wants you to pay the rent on time mortgage company always paid it on time same date same time delivery people right now need the money don't mess with me don't be late I can't can't handle lateness send you 500 emails threats calls oh y y just the the the the headache that you get from being late even a few hours or a few days is it's not worth the the uh you know being late so paying the money no problem people are proud of themselves when they pay everything on time but getting the money getting that refund when they did something wrong or didn't give you the product or the product doesn't work or filing a Insurance claim all of a sudden you see wait the product doesn't really work like you said it does you said if something happens you're going to give me money well something happened something happened how come I'm not getting the money listen uh that's a different building what do you mean a different building you're insurance company no no we're in the building of selling okay where's the other guy no he's a different building he's across the street so go over there talk to him I can't that's not my job what do you mean it's not your job you told me you're the what what I'm sorry good luck good luck though good luck if you have any friends that want to buy the insurance let me know though okay I I need some referrals for my business I want to get a free trip this year if I become top salesman okay thanks all right good luck to you though sorry to hear that you're dealing with trouble but I'm sure it'll work out how are you so sure I don't know really I'm really so sure but I hope it works out either way if you have referral send them over to me corruption has become standard so standard that just like the generation of noahh saw that people were stealing in open daylight they were going to stores and start taking little little bit oh I'll take some peanuts let me try them out I'll take some olives let me try them out you want to buy no no no I'll trink some of this let me try it out everybody wanted to try out but nobody wanted to buy and they did it every day until the guy had no more merchandise to sell and everybody was corrupt when it came to business says such a world has no right to exist no right to exist so now you have a slave a slave in the Torah it's not like a slave that exists in this world whether it be the slaves in the Egypt what they did to us for 116 years of slavery or what they did to the Africans in Africa or even in America for so many years or what they still do to this day in the Middle East in different parts of Asia and even in America there's slaves still everywhere they just called something different today no slave in the Torah the Hebrew slave Torah says something interesting what do it say says this slave he may not want to leave what do you mean he may not want to leave he doesn't want to go home to his wife his kids relax go build a company go make some money ride his horse whatever he wants no no he may not want to leave why because one of the laws of the Torah on the slave as it says in the book of Deuteronomy chap 15: 16 what is it because it has been good for him with you huh the slave yeah the slave what do he means good for him with you you see this Hebrew slave yeah he after he got in trouble for stealing and he didn't have the money to pay back he had to pay back by being a slave but that doesn't mean you could just beat him up torture him can't do all that stuff that they did to the African-Americans to the Africans to the Indonesians to the no you can't do that the Jews you can't do that you can't do that to them no no no the Torah itself says it has to be you have to be good to him what do you mean good to him what say good morning no not just good morning no no no no no you have to be good to him with food yeah well I gave him a piece of bread no no kid just give me a piece of bread so what I have to give him what kind of bread do you have well I gave him a black bread yeah what do you have I have white bread why you white bread well I mean it's more expensive it's uh I like it it's better it's much better quality well guess what if you eat white bread he has to eat white bread what but he's a slave slave no slave you eat white bread he has to eat white bread but it's expensive okay I can only afford one so give it to him and you eat the black bread are you serious yeah he gets the better bread yes what about the drink why have to give him better wine too now you're getting it sure yes what do you mean I gave him some drink but I got the more expensive stuff of myself my wife and my kids I work really hard he's my slave exactly you have to give him the better stuff if you cannot afford the better stuff for both of you he gets it and that's why thear says thear says because it has been good for him with you he doesn't want to leave this teaches that your servant shall be with you in food and with you in drink meaning it should not be that you eat bread made from fine flour and each bread from inferior flour no no no or that you drink aged wine it's higher quality and he drinks new wine lower quality no no no or that you sleep on top of a soft mattress and he sleeps on top of straw absolutely not that's not good oh what kind of slave is this exactly that's the Jewish slave of a to on the account of this it was said anyone who buys a Jewish servant has virtually bought a master for himself if you cannot afford the good stuff about of you that he's become the master over you so now comes and says who would do such a thing first of all the guy that's a slave he's not exactly Mr kosher he's a thief thief and not only he's a thief who would want to bring a thief into his house for six seven years who wants to do that and let yourself okay fine you okay he owes you the money you make him into a slave you you'll you'll put some security cameras so he doesn't steal from you again but with these types of conditions better bread better drink better pillow better mattress better everything why would anybody want to do this says the answer to this is that anyone that buys anog for for $1,000 an expensive atog is also going to buy a sleeve meaning just like you can buy an a doog for $30 $40 but you still choose to buy much more expensive four five 600 ,000 $2,000 you're buying in a trog not because you have lots and lots of because you value the that's why you buy an expensive if you value the Mitzvah you'll buy a slave too why you buy a slave not because you want to have a thief in your house not because you want these conditions where you have to give the better bed and the better drink no but because you want the Mitzvah because you want the mitvah but if a person doesn't look at the world that way he doesn't look at the world that way he looks at the world listen I got to get everything for me I got to get everything for me whatever is beneficial for me that's I'm going to do even if it's not a mitah then such a person they're not going to be careful with their business they're not going to be careful with the rest of the mitv and they're going to be corrupt they're going to be crooked they're going to become the enemies of a and the number of people that pretend to be kosher act kosher go to sh givea uh act terrible look righteous but in reality they're criminals only a knows the number but tell you the world is an illusion the world is an illusion people are in all types of businesses sometimes they're even rabbis and they're corrupt at had one guy used to work for me and then he decided that he has a better opportunity somewhere else I said good luck to you didn't exact ly agree with the way that he ended things but wished him the best it wasn't too long after that he came back and said listen can I work for you again what do you mean you had a better opportunity usually people don't come back for a better opportunity usually people stay with the better opportunity because yeah that wasn't true though what do you mean you you lied he goes no no I didn't lie they told me they're going to do all that stuff they're going to pay me they're going to do all this stuff okay so what happened they didn't pay huh what do you mean the better opportunity was the worse opportunity yeah you know how many of these stories you know how many stories I've dealt with people always think the grass is greener somewhere else the reality is when a person does not follow the Torah when it comes to business laws that means that they're following the Satan the the and such a person surely may have some good things that they do but when good things come from other people's pain they're no longer good if somebody is giving staka with stolen money it's not staka when somebody is in a good mood as a result of hurting people that's not exactly good you're dancing around people's grave when somebody does not know how to conduct themselves when it comes to business and you don't have to be a business owner you could be an employee you could be a vendor you could be a customer all of these different things when a person does not know how to be honest with their business dealings unfortunately the pain does not end now I know you guys probably have a lot of questions so I'm going to finish it off I have a lot more material that I want to get into but perhaps we'll get into another time B hasm will give us the strength most people think oh okay so the people that don't go to Yeshiva they probably don't know this or the people that are not so learned they don't know this but the people that are religious this is not a problem to them unless they're inherently bad people not necessary the story I'm about to tell you true story it happened it's documented in multiple places and it was one of the most extraordinary Miracles that happened at the time one of the from about 400 years ago they called him the Bak after his SE the Bak extraordinary extraordinary also an extraordinary and the B helped people from all over the world that would come to him with questions with guidance he help them one day as he's uh teaching his students comes in a couple Jewish couple look presentable look well to- do and they say we came from far away to speak to the Rob to get some guidance but it's a private issue and we need everybody to leave so of course the rabbi tells them everybody leave you see one two three everybody's leaving except one guy say wait wait wait you see the guy is not leaving he's sitting right next to the B said Rabbi you said everybody leave he goes no no no he's not uh he's not included this is my protege he's going to take over after I pass on he's a genius he's an angel if the Rabbi says I mean the rabbi was not exactly uh uh Mr the compliments about that are empty compliments if he says this guy's an angel then this guy's an angel he's going to take over after the B great opportunity to even talk to uh next to this guy anyway they tell him Rabbi we uh found a uh treasure that apparently was uh lost and um we uh have this enormous amount of money now but the problem is that apparently this uh this treasure came from uh royalty because it has all types of things in it that come from royaly gold and diamonds that have symbol symbols of royalty whether it be the church or it be the the king so we kept it hiding for a little while and then we saw that there's a lookout for this treasure so we decided to leave and come here ask what to do we found it we didn't steal it but uh we don't know what to do I know if we even if we give it you know he goes listen according to the Torah you found it you didn't steal it or anything like that you're allowed to keep it according to the Torah but to protect yourself move to a different city change uh you know change location change everything over there they're not going to know you they're not going to know that you weren't uh wealthy until now or anything like that and and uh that's it okay so they listened to the rabbi they moved on years passed and that protoe although he learned an enormous amount of TOA enormous amount of to you're supposed to be you're supposed to be the one that took look over after the B it's not a regular person but when you learn Torah but you're still connected to wasting seed to immorality to filth that tah only empowers the and therefore that Torah eventually became like the drug of death for this person and he decided to abandon the Torah but he wanted to stay important he wanted to stay relevant so he decided to join the church over there in the church their number one guest is Jews that have gone against God gone against the Torah they will invest every single penny that they have in their Treasures just to get one Jew one Jew in their ey is worth more than a million gim go and Danny church that does the missionary work go see where they spend the vast majority of their money you'll see the vast majority of their money they willing to spend literally a billion dollars to hopefully get one not hopefully in their mind hopefully to get one Jew to abandon God and become an idol worshipper like them over a thousand go in Indonesia in Africa and wherever it is how do you know look look at the world there's 8 billion go only a few million Jews but majority see enormous amount of money as far as missionary work to go after the Jews why go get all 8 billion go to become Christians Catholics Protestant whatever you want them to be no no no we want the Jew why that's the way it is so this Jew this heretic that learned a lot of T but stayed corrupt within eventually abandoned the tah joined the church and of course since he had an enormous background in the tah he escalated the latter of idolatry very very quickly they made um from you know a uh somebody very important in the church and he wanted to go and be in the category of becoming one of the next Cardinals and perhaps even the next Pope but he had to make a statement he had to make a statement so he sent letters to all of the very important figures of the church from around the world all the Cardinals all the chief idolators around the world that he's calling a meeting because he wants to show everyone how God spoke to him and uncovered a secret in those days there's no planes there's no trains there's horse and carriages and ships but when there's such an announcement from someone that could potentially be the next Pope everybody comes worldwide meeting gathers and as part of the event he also invite a few outside guests the day comes and one of the guests Isis the B the Bak doesn't know why the church would invite him he has no idea who invited him even he changed his name the guy instead of yan is now uh Christopher the B comes has no idea what to do why why do I have to come here but he knows that he can't say no or his death penalty so he comes to this meeting this big Hall as he's standing there waiting all the people important people coming into this Big Field this big place he looks to his right and he sees say couple of Jewish people that look familiar and who is it it's that couple for many many years before oh how are you Rabbi what are you doing here I got invited what about you we also got invited who invited you we don't know it's some Pastor some uh priest we don't know who he is some Christopher huh as they're waiting over there they both look and approaching them is the guy that gathered all of it created all of it in charge of all of it and invited them and as he gets closer and closer the B starts to recognize this face and in an instant realizes what is about about to happen this is his Wayward former student that now is going to disclose what he heard at a time he was still good at a time he was supposed to be the protoe and he's going to bring a blood liel a massacre a p to and this rash says to everyone gather everyone I would like to show you what God has shown me okay everyone is eager to hear what this former Jew has to say they've come far away you see God speaks to me if you say that in the church everybody believes you because they think that God speaks to them even though it's either a demon speaking to them and not God or they just speak to themselves and pretend it's God God speaks to me he says and he uncovered a great mystery that I'm about to disclose to all of you a mystery unlike like anything you've ever heard a mystery that was worthwhile for you to come here from all over the world here everyone okay get get to the point already as the Bak sees what's about to happen and he has eye contact with this Thea as he's walking towards him the B says to him yes tell us what you saw and at that moment the B's Holiness perhaps Kabal seat made the guy a mute suddenly couldn't talk he forgot forgot everything forgot why he's there now people are getting impatient no what did you hear what did he say the guy's looking at them dumbfounded not sure what they want not sure why he's there and of course they ran out of patience and they killed him and the B and those couple and the rest of CLA SL that lived that part of the world in Europe were miraculously saved you see there are many stories just like this that have happened to where simply were given the Hand by K to save us to help us because one of us went against the famous debates that put am is in danger have always been spearheaded by people that were formerly Jewish formerly good for example the ramban famous debate in Barcelona the guy that started the whole thing that forced the whole thing was a former to decide that he wants to get honor and therefore it's easier for him to get honor in the church than in the had the ramban lost that debate there would be Force conversions and blood being spilled all over the streets and this has happened countless times now what's the connection be between all of this you see the Torah says that if someone learns a lot of tah someone learns a lot of tah we're not talking about someone who doesn't learn to why someone doesn't learn toah a Judah doesn't learn toah has no share of the world to come he's done so we're not even going to waste our time on people that are corrupt and they don't learn toah because there's simply no way to be righteous if you don't learn to because all of the righteous laws come from a there's no righteous laws of mankind we spoke about that earlier one country permits it the other one throws you in jail for 25 years one law says is a uh allowed the other one says is not allowed it's the same it's it's just Insanity laws of the Torah are right laws of the Torah are righteous so someone learns a lot of t a lot a lot of tah he learns the he learns the he learns he learns he learns he learns everything but he stays corrupt he stays corrupt stays arrogant stays stingy stays angry stays corrupt in his business guess what even if he learned all of the T the says someone who learns a lot of T that has badid a dead animal in the market that's rotting that's smelly that's disgusting that they can't wait for somebody to you know get it out of there and bury it some somewhere people cannot walk next to it all the maggots and and disgusting things that are happening to it but it's there everyone looks at it aside from being disgusted by his body being split open and all types of stuff eating him it also smells horrible if you ever smelled if you ever went into a place whether it's a house or a room or whever where there was a dead animal in in there after a few hours the smell is so not a few hours even sometimes a few minutes but after a day the smell is so horrific you cannot walk into the room the says that dead animal that's rotting over there that smells horrible unbearable that dead animal is better than that corrupt because at least that an serving its purpose but that that knows a lot but does not do it he knows a lot but he's arrogant still he's corrupt in his business still he's still bad not only he's not doing what he's supposed to he's not doing what he's supposed to even after knowing the instructions there's nothing worse than him so you see business laws we can go and talk about it for 500 years and we still didn't scratch the surface business laws in Judaism are very much a big deal because if you can't do business right you can't serve AEM right you could pretend like you are but the moment that you go in front of the place where there are no more lies in front of the place where there's no more stories in front of the place where there's no more time or the concept of time in the bed of sh the first question that they ask you did you conduct your business B you understood that is watching every transaction that you do and you know they know the answer and you know that the answer is not in your favor you've already failed the bare minimum if you're still in this world and you've had the Merit to learn this whether it's tonight in this lecture or any other time that's because is trying to give you a chance to fix before it's too late and maybe as will that all of those that watch all of those that hear all of those that know and all of those that need to will do the chuva that's necessary and how they conduct themselves when it comes to business and follow the ways of hem and don't have to pretend anymore because it's simply more profitable to go in the way of the king with that being said you guys could ask some questions we'll try to answer them will give us the answers iabi recently ordered kiru items and it's hard for me to give it is there any way I can give it back and someone can actually give it out or do you have any advice well if you ordered items from us that means that you cost us a bunch of money we invested a lot of money we shipped it we boxed it at the very least you should distribute it and if you can't distribute it for whatever excuse you have the least you can do is get somebody else to do it even if it cost you money because you already have taken advantage of the kindness of the organization and the people that donate to it don't be a bigger burden by asking us to now pay even more money to go and ship it again pay for it again box it again do everything again and you are just relieved of the responsibility that you chose for yourself we didn't ask you to do it you chose to do it you chose to order books and and cards and whatever it is I don't even know who you are you chose to we took the time the money the efforts to get it to you I can assure you doesn't matter what box you you you ordered or how many it cost us hundreds of dollars box of books each box has 20 books the shipping itself it's going to cost $40 $50 $60 the box of the books themselves few $100 that means that without calculating man hours work time all that stuff just simply the goods themselves is hundreds of dollars the least you can do is give it out if you don't want to give it out you go and take the time and the money and the effort and go give it give it to somebody why because the obligation is on you now if you still refuse to do that certainly you can send it back but I could tell you that you're still not you're still not free of your obligation because you cost us money and therefore you have to donate the money otherwise it's simply considered like you stole for could aent be called Jehovah knows no could be called sacred mystery no all these all these names are go names would you consider teaching our prophets in depth chapter by chapter so we may study correctly will take too much time no I heard heard a rabbi say that hell is just overwhelming suffering a sinner feels when his soul enters the unfiltered reality and that hell only lasts 12 months what do you think I have a whole film about it it's called Gom the movie go to my channel the same channel that you're in right now Gom is uh g e h i n n o m you'll see about a three-hour movie there in that film there are over 170 sources that are quoted and shown on the screen that you can check yourself from across all spectrums of the Torah from the written T the five books of Moses the prophets the writings the mishna thei T the the ramb literally all spectrums of the Torah were covered and you'll see how not only there are definitive answers to the questions that you're asking but also how the person that calls themselves a rabbi or whatever they call themselves that said that GOM is not fire suffering and Gom is this nonsense that you just described in their name those people will be among those that will suffer in Gom the most so the one common denominator about all punishment uh deniers all Gom deniers punishment deniers one common denominator about them is that number one they don't bring any sources for what they say because sources do not exist for what they say um number two they do not teach about any form of punishment even in this world and any normal person that uh sees the world today knows that there has to be punishment why because this world is a example if you will of reality so just like for example when somebody watches a movie assuming let's say it's a kosher movie even if you know they are watching a sample of reality what could happen What could happen under certain conditions so the same thing with this world so a person that lives in this world knows that if you commit a crime no matter where you live you commit murder you commit rape you commit you steal you are rob you you do something wrong and you get caught there's punishment you go to jail can get tortured can get you know death penalty there's all types of different punishments for different things so if this material world that has Kings of flesh and blood already understands that there has to be reward and Punishment there cannot be a free for all system in order for it to be just even though the rules they have are corrupt the reason for the rules is just meaning there has to be rules everyone knows there has to be rules if you were just allowed to do whatever you want you're allowed to kill and steal from whoever you want whenever you want then obviously this would be Mayhem so everyone knows there has to be rules there has to be reward there has to be punishment you can't just drive the way you want because you're endangering other people you can't just take whatever you want because then you are a hazardous to society so there has to be rules so if the creation knows there has to be rules and those rules are enforced by reward and Punishment then why would anybody that has an inkling of wisdom and Truth within them everything that the King of Kings the creator of all creations does not also have rules for those that violate his Torah and the purpose of this world why would there not be rules why would there not be any consequence so anyone that actually ever thinks about this even without reading all the sources or watching my film knows that it's impossible for there to be a just God that does not enforce punishment and just like the punishment for things in this world are harsh the punishment in the Eternal world are infinitely more harsh why because there's infinitely more reward for those that do what Hashem says than what's available here if somebody does good for somebody the most they can benefit is something temporary but if somebody does what hasm says the most they can benefit is infinitely and just like the reward is infinite so is the punishment so if you want to educate yourself about reward and Punishment which is the foundation of the Torah Foundation of understanding God then watch the film and if you want even further study you just simply write down the sources of all the things that are mentioned in the film there are over 170 sources and you're going to be flabbergasted that anyone even dares denying what the truth is about the toah and reward punishment especially if they call themselves a by and in general the third common denominator among the deniers is that they're all corrupt people not just corrupt in t they're corrupt people they are liars pathological Liars that will lie in order to you know fulfill their agenda so the conclusion is stay run away from these Wicked people save yourself before you get punished with them that's what hasem told is right before hasem opened up the mouth of Gom to swallow K which is in itself a proof that there has to be punishment because the Torah specifically says in no less than two places that K is burning in G until this second so what he's the only one that is burning in Gom but a person that doesn't even keep Shabbat a person that's killing as person that's committing adultery he doesn't go to Gom only only K and his follows going to Gom he's going to suffer in Fire and you know forever and and the rest of the criminals after him no go Hitler doesn't go to Gom they all just feel uncomfortable so anyone that has a brain and a little bit of honesty in them knows that there is uh a truth that they're completely unaware of and we worked many many years to gather the information to present it the right way and we have a whole film about it which is a uh something that has helped quite a few people e let's see what do you think of World War I World War II in the Torah is called go Magog that's going to be the last war where uh culmination of it is going to be the Messiah is going to come and all of the uh enemies of God and the Torah and uh are going to be destroyed the Satan was also called yet and also called and multiple other names is simply an angel that serves God he's not uh in competition with God like they think in Christianity and other idolatrous religions he's simply a servant of God and his responsibility is to be the resistance in order to justify the reward or just ify the punishment for someone that goes against if there was no resistance then there's no reason to reward or punish let see what makes a young Ben TOA go to cash advance it's hard to believe he's doing it for the money because he simply learns toah our a friend in this business very hard to convince him well the vast majority of people that going to cash advance um that you know people that were in Yeshiva that uh are religious and they go into cash advance that's they're going in there naive they don't realize is that they are in a predatory lending that they're going to destroy people's lives they don't know anything about the world and how you know people are being destroyed as a result of this they just know what they want which is they want to make money and this thing has uh the advertisement that you can make a lot of money in a short period of time without having uh skills without having uh uh you know degrees so they have their outcome that they want and they think that uh they found it especially since there are rabbis uh in their communities that are uh in so many words partners with the cash advanced businesses uh and uh are telling people it's okay to do it and that's why I said those rabis will go to Gom and never come out but it doesn't matter anybody that uh goes into the business I could pretty much feel confident to say that the vast majority of people that go into that business are unaware of the magnitude of the damage that they're going to be causing people from their actions initially but everyone knows without exception everyone knows that it's a predatory corrupt business within a few months of being in it why because that initial customer that uh you signed on is now calling crying and complaining because you destroyed his life with that loan and when you start seeing that all your customers are literally be on the verge of bankruptcy or on in bankruptcy as a result of what you did while you made money out of it then you realize this is corrupt predatory business there's nobody on planet Earth that uh thinks that this is not a horrible business or that this is not a horrible product uh but they do it because their lust for money is uh more than their love for God and more than their fear of God and this is not something that just started now this has happened unfortunately in every generation across the world in Morocco in Poland in England in Germany in Spain uh something that's unfortunately plagued the Jewish people for several uh Thousand Years the Jewish nation is in Exile to gather the converts and to return to what happens to the Noyes who couldn't convert uh the Noid that don't convert if they're righteous Noyes they'll also survive the time of mhia and there's 2third of the world will be destroyed in the war of Goog initially and the last third will be purified meaning not the whole last third Will Survive but uh many will and of course if you do the math there's about N9 billion people in the world 2/3 is six billion so that leaves three billion people let's say a refining process just for argument sake or extreme let's say half of them don't survive even a billion and a half people so if there's a billion and a half people it can't be all Jews why there right now you know there's maybe 20 million Jews that we know of which includes the few million religious ones and the majority that are not religious so obviously even if you include every even let's say everybody became religious everybody survived all the Jews 20 million you know Jews survived still means if there's a billion and a half people obviously the majority are non-jews but they're righteous they're righteous people okay Hashem only judges the acts of sin and not the thoughts of it that's not 100% correct thoughts of idolatry are considered sinful what toor portion brings you comfort all of them learning to is the greatest thing in the world and the more you understand it the more Comfort it gives you are Jews the only chosen people yes God decided who to choose he chose only the Jewish people but not every Jew that's born a Jew is uh considered righteous if you follow the tah then you're part of the chosen people if you go against the tah a Jew that goes against the tah is worth than a non-jew that follows that uh that even if the non-jew goes against the tah and and a Jew goes against the T the Jew is worse because when a Jew goes against the Tah they become the worst part of creation do you think that only Jews Will Survive world war three no I just explained that no majority of people are going to be non-jews uh bring you up no I don't have uh I don't have people [Music] online where's it the thoughts go why is only ruven Shimon and Levy mentioned as the head of the tribes When approaching with Moshe where is Yuda the tribes did not come with Moshe to uh to PO initially the the skim uh that were supposed to come with but then they got they supposed to come with Moshe to go to Paro but then they got scared so only Moshe and Aon went to none of the leaders of the tribes came what happened to the rabbis that are promoting the cash advents aren't they supposed to be right oh cruel yeah there's cruel people that pretend to be all types of things there's cruel doctors there's cruel lawyers there's cruelty in every part of uh the world but there's also some good there's certainly good rabbis there's certainly uh some good doctors as hard as it is believe to believe I'm assuming there is good lawyers I've never met one um is it allowed to read GPS tanak or only Arch scroll Stone Edition convert uh GPS tanak is not reliable translation there are many mistakes in it and that's why Orthodox Jews do not use it art scroll uh is the most reliable uh publisher uh in the uh in the world today as far as the English language is concerned uh they're comprised of that are loyal to the tah uh they're very very good at what they do also um so that's the most reliable uh doesn't mean it's perfect in every aspect but it's certainly the best thing you could possibly uh have and JPS is um you know unfortunately not uh not very good uh not very good uh as far as uh B for converting B is you convert if you're worthy it's it's not it's not uh it's not for me to bless you it's for you to sanctify yourself how you act what you do uh if you do all the necessary things then certainly hasm will open up the doors and help you uh succeed uh the B that I can give is uh is is worthless in that aspect because there's so much that's in your hands do you like the talmud yeah of course I have here here the entire set over there the entire set of over there so I guess you can say I like the yes all Orthodox Jew loves the T because T is the oral I'm a Muslim what do I get considered as as in the world there are Jews and there are non-jews now Jews can either be righteous or Wicked A righteous Jew is called is a righteous Jew and a wicked Jew is a wicked Jew obviously it could be Wicked idolator it could be Wicked uh that's a Jew that so an idolator it could be a wicked uh uh you know atheist which is another form of idolatry um the same concept with a non-jew it could be a righteous non-jew which we call a righteous noahide and there is a wicked non-jew uh which is an idolator now as a Muslim it depends if you follow follow the extreme fanatic teachers in Islam that tell you to uh destroy the Jews and the Jews are the enemy and that the Torah that they have is not real uh then you are an enemy of God but if you are a decent person and you don't follow the extreme fanaticism in fact you know that the Jews are the chosen people and you can obviously understand the difference between righteous Jews and wicked ones just like you could understand righteous and wicked among the rest of the uh people in the world um and if you follow the Torah you're perfectly fine now as far as the Quran itself is concerned Quran is problematic because the Quran in itself is a heretical uh anti-semitic and an everything uh man-made uh mistake uh it has endless mistakes in it it contradicts the Torah and unfortunately promotes hatred so even though you were born Muslim doesn't mean you have to stay that way you could be a righteous noahide by following the teachings of the Torah that apply to you uh and still remain a non-jew you could still remain a non-jew you don't have to be Jewish in order to fulfill your purpose in this world and to be righteous unlike Christianity and Islam the the Jews don't believe that everybody has to convert there are some people that certainly would do better off if they converted to Judaism um and there are some people that uh the answer is no they don't need to convert but they could still be righteous they could still fulfill their purpose they could still succeed Ed still go to heaven without uh converting if I don't like the clients and I do MCA merchant cash advanced business is a kosher no merchant cash advanced business in its nature it's a predatory business when you take 40 50 60 70% interest or more from people you are desecrating God's name you're stealing from people uh and uh you're simply not understanding how much damage you're causing people and yourself now as far as a uh uh the excuse that people say yeah but they knew it's 100% interest but they signed off they agreed this argument does not hold water when it comes to Ala in the same way as someone that says well I played I gambled against somebody else and uh both of us knew that we could win or we could lose so it's not considered uh stealing because the Torah says that someone that gambles when you win you're considered like you're stealing why because the guy that lost to you didn't think he's going to lose if he thought he was going to lose he wasn't going to play nobody goes into gambling thinking that they're you know going to lose even if they think that their High likelihood of losing they still don't play because they know they're going to lose they play because they believe that they're going to win so when he gives you the money that the uh that he lost to you as a result of the game result of the he doesn't actually want to give you the money so in essence you're taking taking the money from him against his will which is considered stealing now the fact that he agreed to the rules before the game started does not hold its water when it comes to Ala because like I said he agreed to the rules because he assumed he was going to win the same concept with people that are agreeing to the terms of borrowing money with predatory rates of 40 50% 100% all these other uh cash advance uh uh rates the people that are agreeing to it meaning they're signing form saying I will borrow the money and I'll you know under these horrible conditions they're not agreeing to it because they think it's okay they're agreeing to it because they're assuming they're going to somehow beat the system in some way either by making a lot of money in their business that uh will more than compensate for uh the predatory rates that makes it impossible or that uh the damage is not going to be as bad because they'll be able to refinance the loan for a normal rate or many other different uh reasons in so many words when somebody signs that type of document they're not really agreeing to the terms they're in essence just getting what they want and and and then trying to figure out if they could fix the terms after the fact so it's like for examp example when you know when adults play in gambling uh there's no changing the rules but when kids play with each other all types of games you see especially when they're little they change the rules all the time you know they play okay listen uh we're going to play tag all right fine so you're going to be the tagger and I'm going to run away all right fine okay they start running running running and he sees uh you know he caught him right away cuz he's faster goes no no no no no no no no you no what no I caught you no no but the the grass the grass I was on the grass okay so what do you mean but what's the grass no no the grass is base the grass is bease you're not allowed to catch me on the grass oh okay fine fine fine all right so he waits a little while longer and he runs after him he catch him no no no no no no no no no you can't catch me why because I I was I was I was I was I took a break how do I know no because I got tired so you can't catch me when I'm tired oh okay fine fine all right fine all right so you can't catch me TI and starts running again no no no no no no no no why what what happened what happened no the I was on the on the red stones you can't catch me on the red stones okay all right can't catch you what happen why why is the kids doing that because they're little kids and they can change the rules as much as they want and they have fun doing it and it's fine because they're little kids but adults can't change the rules adults can't change the rules so what does it have to do with the whole cash advance aspect of it is that the people that signed the contract are signing the contract as if they're a kid meaning they're signing the contract not because they agreed to the terms but because they assume that they could act like a kid after they signed the contract and they could somehow beat the system either change the rules or replace the rules or all types of other things that they're going to find a red stone or they're going to find the grass that they could hide in and and and not be uh destroyed by the predators of the cash advance collectors uh they assume and they unfortunately assume wrong uh and that's why everyone knows everyone knows that the cash Advan business is inherently a predatory business everyone knows it's not a secret it's not something I invented the Attorney General in New York is is is Prosecuting one company after another finding them uh millions and in some cases billions of dollars because of their predatory nature uh this is not a uh uh you know some uh rumor I'm spreading everyone knows including the people that are in the cash Advan business know that it's a predatory business uh if you just wanted to be in the lending business go work for a bank lend money for normal rates and you know have them sign the forms you say no but they don't pay as much commission okay why don't they pay as much commission because they're not robbing people when you rob people and you destroy them and the and the lender knows this guy that just borrowed the money pretty much has signed away his own death certificate his own Financial death certificate so they're willing to give you a big spiff because they know that they just got this guy that's it whatever he just signed off as collateral whatever he just signed off that's theirs he just borrowed $50,000 he gave them 100 $200 $400,000 worth of collateral that's it they know that even if he doesn't pay the loan in some cases they prefer he doesn't pay the loan why cuz they want the collateral they was the collateral so it's a it's a corrupt business it's also full of lies the people that are running it simply are pathological Liars the people that working at the pathological liars and in so many words you could just you know if you're in the business you know this I don't have to teach this from the beginning of the call to the end of every single call you will never find truth in there you will find moments of Truth surrounded by lies lies about names lies about associations lies about uh security lies about uh all types of assurance nobody nobody is honest in that business MC is is expensive because it's unsecured loan no that's not true that's not true at all for what is the uh Prophet referring to in this verse go open up an archal see what the sages said in the commentary and you'll understand what it says can't read the Torah without commentary by the sages of am you're not going to understand anything not just that one verse you're not going to understand anything okay we'll take one more question finish how many times a day do a person have to do um depends where they are in their life um depends where they are in their life you know there did you know before every single act they checked somebody's just starting out doing Chua starting out getting connecting to a to ask them to do check everything they do before they do it they're going to think it's impossible they're going to abandon everything so in so many words the ideal you know place that everybody can get to is to Simply you know make sure that before they do anything they know it's allowed and not forbidden before they get a certain job before they you know go to specific places eat specific things in so many words don't do anything that you don't know whether it's allowed or not that's already a very very big difference if somebody does that they'll show some level of some level of fear of hem before they do anything that's already a very very big progress uh for the vast majority of people uh because most people operate their life without thinking about the toah they operate their life uh with thinking about their desires the same thing as these uh so-called benas these that are going into the cash advance business that not thinking about the outcome uh from the client perspective or the victims they're thinking their own desires and when a person thinks of their own desires they're not different than any an animal they're not different than an animal and that's why uh the Torah says somebody had learns to but they have bad character traits meaning they don't think about toah before they act a dead animal is better than them why because at least that dead animal served its purpose uh what can we do for you or do you suggest we take on for you in order for your surgery to go well and that your health improves quickly um you know people people could do what whatever they want I mean I don't expect people to do anything for me um if somebody wants to uh somebody benefits from AR somebody uh benefited from them they want to do something that's their decision it's their decision there certainly a few people that uh are praying reading t uh some are taking on learning more T some have uh uh made some donations to our organization to uh to help support and to do the mitv k um everybody is doing whatever they can I mean if somebody really cares about um me and what I want number one thing that I that I always uh want is for people to support everything that we're doing donating to to bezem because by supporting bezem it's not just supporting me uh it's supporting the CL is it's supporting all of that benefits from it uh you know the organization is bigger than me the organization isem whether it's the books or the lectures or the videos or the team or you know the bed the uh the theim that are doing chva that are converting all of that stuff if somebody wants somebody cares about me as far as what I want what I think number one thing that you can do is to donate uh and get other people to donate to beem that's the number one thing um if uh people um can do that that' be great uh aside from that of course people could distribute the books that we have people could uh you know learn more Torah do other mitv those are all very good but the biggest thing is to help uh CL do chva and uh that's that's number one thing now as far as anyone that's placing orders uh most likely you're not going to get them anytime soon um so uh you could place the orders it's just that you have to be patient uh the orders are not going to come out until after the surgery and recovery and all that stuff how does the merant cash advance desecrate the toah I have a film it's called or uh in there it talks about different that spoke about uh this industry over the years over the centuries it's forbidden in general anyone that is uh violating the Torah is desecrating the tah and Merchant cast Advanced business is violating the Torah in many different ways number one it's considered like you're stealing from people number two it's considered uh number three uh lending money uh to uh to people with high interest is a uh is not allowed if those people are actually accommodating you and they're good to you so there there's a lot of different things that people are simply unaware of and they're relying on the uh simply their desires to to do this if you read the book um that we have called written by our own dear in that book the last segment is a uh AIC answer that no Rabbi on planet Earth can dispute and that answer shows all of the different reasons of why cash advance is forbidden um and no one can dispute it no one can argue against it no one I I've actually offered uh already for a few years anyone that wants to write a chuva to uh to prove otherwise and and and they successfully do it they prove the cash advance is allowed I want to give them $100,000 but nobody is oh and by the way this is a uh anak that's coming out soon uh that again that uh a um cash advance is is forbidden consider gem uh increases anti anti-Semitism and many many other things in so many words somebody that's in the cash advance business whether they're the broker the owner the clerk the bookkeeper they're part of this it's no different than being part of the Nazi army there were 150,000 Jews that fought for Hitler in at least one case one of them was an orthodox Jew the rest of them seems like they were not exactly religious people uh but nonetheless Hitler had 150,000 Jews in his army so if you think that's okay then you could say that maritan cash advances is okay but if you realize that being in Nazi army is not okay then you should realize that being in a merchant cast Advan business is also not okay that's not hard to understand the r says that if you lend money to go without interest it's not true learn the chuva learn the chuva and uh you know don't assume that you know it better I've been studying this for years my my my R wrote a whole chuva about it you know don't assume that uh you just uh discovered the wheel you know realize where you stand you you don't know about the subject uh anywhere near as much as you think you do and you also don't know about the industry anywhere as much as you think you do uh and uh I'm not only coming to you from AIC perspective I'm also coming to you from I was I was you know on Wall Street for nearly 20 years I know a thing of two I know a thing of two so all right okay okay thank you very much for learning with me sh bless each and every one of you that is going to learn and uh publicize these shim and support our organization anyone that wants to support could donate on bash.org you could uh donate via YouTube you could send the chat you could wire you could do a lot of different things to uh support and to help us uh do all the wonderful things that we do uhm uh we uh will uh have hashem's mercy and succeed in uh this journey that we are about to uh go on um we will learn with you guys soon call to 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 T sources 30 different languages that are available to you so if you want to ask it in Spanish in Chinese Portuguese whatever you want to do it's available for you can you tell me about a Vio so it's time stamp to the shield you press this green button AI Rabbi on your WhatsApp you'll have the ability to ask ask questions at will you be provided sources and most importantly you'll be able to know the truth and be able to rely on the sources