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M A G A Z I N E

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HELPING YOU ACHIEVE THE MIRACLE OF SUCCESS AUGUST 2013

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Bet Shemesh - Jerusalem

Circulation: 18,000 copies

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- Passive income opportunity for Small Investors

does Dr. Bo’s How Nova Diet 100% Villa exceed every client’s Success Rate

ADHD

Helen Abelesz Egert-Cohen Eliyahu Gherman Edo Lavi Tzvi Lefkowitz Nicole Levine Ariel Levy Ariel Topf David Walles Moshe Wilshinsky

expectations

Exclusive interview with

Moshe Fuld rom

Is a fictitious disease?

AngloProtekzia

We Put your "Hard-Earned” Cash BACK into your Pocket

Rachel Cohen & Yaniv Bukobza

Realtors intimately familiar with the neighborhood

Ariel Levy

New Launch!

really need to change it?

Adult career center in RBS

Famous Brands

Helping companies import their goods

Motor Oil - Do you

Egert and Cohen’s

“Cheshbon Ha’Nefesh” insurance

Dr. Yoav Orbach Focusing on Implants & Aesthetics

Ohev Et Hamelacha Kitchens

“Clients should only pay for actual cost of materials”

News flash!

Dr. Edo Lavi & Dr. Eliyahu Gherman have Joined Forces

CIRCULATION NOW 18,000 COPIES!!!

Har Nof Rehavia Shaarei Chesed German Colony New! Ramat Eshkol Arzei Habira Maalot Dafna Minhat Yitzchak

Ganei Geula New! Nachlaot New! Bayit Vegan New! Baka New! Ramat Bet Shemesh Sheinfeld Nofei Aviv

Bizness Magazine is now online WWW.BIZNESSMAG.COM

Have a

Fresh & Healthy

New Year!

CHAG SAMEACH FROM SUPER-PHARM BET SHEMESH YIGAL ALON 1, BIG FASHION MALL, BET SHEMESH TEL. 077-8880930 HOURS: SUN-THU 08:00-23:00, FRI 08:00-16:00, HALF AN HOUR AFTER SHABBAT UNTIL 24:00

MY NEW YEAR

STARTS WITH A NEW FRAGRANCE

M A G A Z I N E HELPING YOU ACHIEVE THE MIRACLE OF SUCCESS

contents AUGUST 2013

Interview with Moshe Fuld from AngloProtekzia-We Put your “Hard-Earned” Cash BACK into your Pocket

Insurance Tips

If, God forbid, something were to happen to you, as parents, have you left clear written instructions regarding your kids?

A New Year - A New Message Many people

realize that they are setting the same goals each year or that they keep on promising themselves--next year.

An Old/New Trend in Israeli Real Estate Seeing

How to Properly Assess your Property’s Worth

Properties may be listed at outrageous prices that are as far from realistic as the distance from heaven to earth.

The Mayim Chayim8 System Since water makes up

Engine Oil 101 The motor oils used in your automobile are derived from both petroleum based and synthetic chemical compounds.

Interview with Dr. Yoav Orbach A person’s mouth

Must I give my child Ritalin?TM Many normal,

Are Musicians Born or Made? Musicians are made.

Interview with Dr. Bo Rosenblat, Chief Physician for Dr. Bo’s Diet

the success of the German colonies, Jews began to plan the first Jewish settlements outside the walls of the old city of Yafo.

18 19 20

healthy children are diagnosed by their teachers.

A Mortgage is a LongTerm Commitment: But How Long is Long? In fact,

50-75% of your body weight, it is important that the water that you drink should be of the highest quality.

is the gateway to their soul. The first thing you notice about a person is their smile.

Some are obviously musically inclined, while others may need more to bring out their potential.

in the U.S. market, a 30-year amortization is the most commonly used length of time for a mortgage.

Center Most of us need to see results to

Smiling from Bet Shemesh to Jerusalem with Smile Talk - Joining

Forces - Dr. Lavi did not know what he

wanted to do for a living until his wife suggested dental school.

• AUGUST 2013

stay motivated, otherwise we give up.

Non-Filing of Forms May Result in $evere Penaltie$ There are several

U.S. tax reporting requirements resulting from a U.S. taxpayer’s relationship with foreign entities.

Bizness Magazine

38 39 40

Blum® - Making Order in the Kitchen Nowadays, the world is more crowded and

apartments are smaller.

Interview with Nati Grossman of Villa Nova

We deal in all markets-private and commercial.

Interview with Binyamin Klempner My work combines

brief,

solution-

focused, counseling and coaching with empathy.

Home 4U - No Compromise on Quality or Convenience Your real

estate property will bring in a larger quantity of interested parties and a faster, higher quality sale.

Interview with Eli Freilich from Famous Brands In addition, we are

a supplier for large chains such as MEGA, Sheffa Shuk and others.

Wisdom in the Body: CranioSacralTherapy CST can often solve developmental

delays. A 15-month old baby was so weak that she could barely crawl when she was brought in.

02 999 3939

ER has been taken from the Are you always absolutely sure that MAAS fruits and vegetables that you purchase? rbs in your private garden from he s/ en gre r d/o an s ble eta veg w gro u yo Do which MAASER should be taken? T properly? and TRUMOT T RO AS MA the de asi set to w ho ow kn u Do yo

FOR FOOD THAT IS KOSHER THE FIRST STEP TO MAKE IS

MAASER!

IT IS HALACHICALLY FORBIDDEN TO EAT ANY FOOD FROM WHICH MAASROT AND TRUMOT HAVE NOT BEEN SET ASIDE PROPERLY. The Rabbis of Beit Ha'otzar, in affiliation with MACHON HATORAH VE'HA'ARETZ, deal daily in the redemption-PIDION of KEDUSHAT MAASER SHENI, and perform the proper allocation of your MAASER RISHON and MA'ASER ANI – with expertise and HIDDUREI HAMITZVA. ALL YOU ARE REQUIRED TO DO IS SET ASIDE 1/100 OF YOUR FRUITS AND VEGETABLES-

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ʤ ʺʫʹ ʬʠʩʸʠ ʡʸ ʡʷʲʩ ʡʬʸʤ

ʸʶʥʠʤ ʺʩʡ

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ʤ ʸʺʥʩʡ ʤʧʥʰʤʥ ʤʧʥʨʡʤ ,ʤʬʩ ʲʩʤ,ʤʣʩʧʩʤ ʪʸʣʤ ʠʥʤ ʵʸ ʠʤʥ ʤʸʥʺʤ ʯʥ ʯʥʹʠʸ ʸʹʲʮ ʫʮ ʣʩʬʹ"ʸʶ ʥʠʤʺʩʡ" ʺʰʩʺʰʬʥ ʩʰʹ .ʵʸʠʡ ʺʥʩʥ ʸʹʲʮ ʬʥʬʩ .ʥʮʶʲʡ ʯʸʺʥ ʬʺʤ ʺʥʥʶʮ ʧʬ ʺʥʸʥʹʷʤ ʴʬ ʬʫʥʩ ʩʨʸʴ ʭʥʩʷʬ ʺʥ ʩʹ ʭʣʠʹ ʺʥʲʰ ʲʮʤʥ ʺʥʩʺ ʭʥʩʷʬ ʭʬʥʤ ʫʬʤʤ ʺʥʩʲ ʮʰʤ ʯʮ ʨʲʮʫ ʤʰʲʮ ʠʶʮʩ ʡʤ ʤʲʹ ʬʫʡʥ ʺʲ ʥ ʣʠʮ ʺʥʡʥ ʸʮ ʬʫʡʹ ʺʢʠʥ ʩʰʲ ʸʹʲʮʥ ʣʤʥ ʭʩʡʥʹʧ ʩʥʬʬ ʧ" ʺ ʩ"ʲ ʺʬʤʥʰʮ :ʡʥʺʫʤ ʥʡ ʤ ʯʸʷʤ ʭʩʥʷʩʥ .ʸʶʥʠ ʤ ʺʩʡ ʬʲ ʩʥ .ʯʺʫʬʤʫ ʺʥ ʰʮ ʤʩʤʩ ʬʠ ʥʶʮʤ ʸʹʩʮ ʭʣʠ ʬʫʹ ʩʥʠʸ ʪʫ --- ʸʶʥʠʤ ʬ ʩʠ ʺʩʡ ʬʠ ʸʹ ʲʮʤ ʬʫ ʺʠ ('ʡ ʩʫʠʬʮ) ʥʠʩʡʤ " "ʩʣ ʩʬʡ ʣʲ ʤʫʸʡ ʭʫʬ ʩʺʥʷʩʸʤʥ

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AND RECITE OVER THEM THE VERSION [NUSACH] OF THE PRAYER THAT IS SENT TO ALL SUBSCRIBERS- AND THEN PUT THESE PIECES OF FRUIT/AND/OR VEGETABLES IN N N. A BAG AND INTO YOUR GARBAGE BIN. ³½ ´ AFTER THIS, YOUR FOOD WILLL BE CONSIDERED AS MA'ASERED,, R WITHOUT ANY DOUBTS OR SUSPICIONS.

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JOIN BEIT HA'OTZAR- AND FROM NOW ON - ALL YOUR FOOD IS ME'USAR

For details and to subscribe: 08-6847325 machon@toraland.org.il | www.toraland.org.il

contents

Editor in Chief Ariel Topf Contributing Editors Roberta Bienenfeld Chief Designer Adam Ram Contributing Writers Helen Abelesz Donna Abrahams Haim Averbuch Rachel Cohen Shimon Cohen Shalom Fishhaut By Rouy Galanti Eliyahu Gherman Miriam Goldshtein Nachum Kligman Edo Lavi Nicole Levin Ariel Levy Roz Lyons Reuven Rosenberg Eva Topf Moshe Wilshinsky Advertising Liba Adler Hillel Edery Bayla Gamliel Adam Levy Helena Topf Steven Weinstein Gitee Weneger Graphic Artists Aliza Sokol Yael Ita

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Send your ads to Letter to the Editor Share your Views Ask our Experts Ask our Readers Kidz Biz Stories Something great to say Request for Interview Announce Job Openings General Inquiries

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ADVERTISING

M A G A Z I N E HELPING YOU ACHIEVE THE MIRACLE OF SUCCESS

10 EX P ER TS you can call now

Bet Shemesh - Jerusalem

Circulation: 18,000 copies

- Passive income opportunity for Small Investors

does Dr. Bo’s How NOVA Diet 100% VILLA exceed every client’s

ADHD

Helen Abelesz Egert-Cohen Eliyahu Gherman Edo Lavi Tzvi Lefkowitz Nicole Levine Ariel Levy Ariel Topf David Walles Moshe Wilshinsky

Digital Stands

Subscription: 19.90 nis per issue Register on line www.biznessmag.com or Call 02 999 3939

Success Rate

expectations

Exclusive interview with

Moshem Fuld

Is a fictitious disease?

fro

AngloProtekzia

We Put your "Hard-Earned” Cash BACK into your Pocket

Rachel Cohen & Yaniv Bukobza

Realtors intimately familiar with the neighborhood

New Launch! Adult career center in RBS

Famous Brands

Helping companies import their goods

Motor Oil - Do you really need to change it?

Egert and Cohen’s insurance

Focusing on Implants & Aesthetics

Ariel Levy

“Cheshbon Ha’Nefesh”

Dr. Yoav Orbach

Interview with Uriel Gershman from Ohev Et HaMelacha I was born in the

Reduced cost packages are often just for calls to Israel and not for calls inside the country you are visiting or just for calls inside the country that you are visiting but not for calls to Israel.

MALL 4 PC - Interview with Rafi Tuviana. Deployment

“Clients should only pay for actual cost of materials”

News flash!

Dr. Edo Lavi & Dr. Eliyahu Gherman have Joined Forces

CIRCULATION NOW 18,000 COPIES!!!

• AUGUST 2013

Ohev Et Hamelacha Kitchens

Har Nof Rehavia Shaarei Chesed German Colony New! Ramat Eshkol Arzei Habira Maalot Dafna Minhat Yitzchak

Ganei Geula New! Nachlaot New! Bayit Vegan New! Baka New! Ramat Bet Shemesh Sheinfeld Nofei Aviv

52 56 58

Bizness Magazine interview Adam Nissan from Musach Hatzomet, one of the most trusted car garage in Bet Shemesh. Time to ACT & Boost your career The administrator of

ACT, David Scott, is from London, England and has lived in RBS for almost five years.

ter view with Shimon Navaro Another S uccessful Israeli Star t Up is Launched – New Digital Stands – A power ful oppor tunity to leverage money for the small investor .

Fatigue

Children

Sources of stress may come from peer pressure, sibling rivalry, school and parental stress.

and the establishment of a communication infrastructure.

praise@biznessmag.com

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www.biznessmag.com

Communication Solutions for Abroad

city of Leningrad in the USSR to a family with a deep Jewish identity.

Photography Yael Ita

AUGUST 2013

Interview with David and Tzipora Shrein, owners of the Yetzira B’rama (previously “Ba-Lagan”) art-and-craft and toy store located under the Zol b’Shefa supermarket in Ramat Bet Shemesh

8 Letter from the Editor 10 Inbox 64 10 Experts you can call

On every issue

Bizness Magazine is published by Bizness Magazine Ltd. Bizness Magazine considers its sources reliable. However, reporting inaccuracies can occur, consequently readers using this information do so at their own risk. Each business opportunity and/ or investment inherently contains certain risks. It is suggested that prospective business people, potential patients and clients, and all readers consult their doctors, attorneys and/or financial advisors before applying any of the information that is publish in this magazine. Bizness Magazine makes content available with the understanding that the publisher is not rendering legal services or financial advice, business advice, medical advice or any other type of advice. Editorial content, articles and interviews may be paid advertising. Bizness Magazine does not endorse or recommend any products or professionals. Although persons and companies mentioned herein are believed to be reputable, neither Bizness Magazine or its publisher, parent company, nor any of its employees, sales executives or contributors accept any responsibility whatsoever for their activities. We assume no responsibility for unsolicited material. Manuscripts, artwork and photographs must be accompanied by stamped, self-addressed envelopes. We reserve the right to publish in whole or in part all letters received by us. All letters, sent to Bizness Magazine will be considered the property of the Magazine. All remarks, suggestions, ideas, creative concepts, graphics, or other information communicated through this magazine or otherwise sent to its publisher (together the ‘Submission’) will forever be the exclusive property of Bizness Magazine., who will not be required to treat the Submission as confidential, and will not be liable for any use or disclosure of the Submission, and need not provide any compensation or acknowledgement for the Submission. Under no circumstances shall Bizness Magazine, or its affiliates, subsidiaries, or related companies and web sites, be liable for any damages whatsoever (including, but not limited to direct, incidental, consequential, indirect or punitive damages), harm, or injury that relate to, arise out of, or result from the use of, or access to, or the inability to use, any of the materials of this magazine, or are caused by any failure of performance, error, omission, interruption, defect or delay in printing. Bizness Magazine is printed in Israel and all rights are reserved. No portion of this magazine may be reproduced without written permission of the publisher.

Bizness Magazine is now online WWW.BIZNESSMAG.COM

Bizness Magazine

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Special People Click With Ezrat Achim

‫בס”ד‬

You Can Effect the Lives of Thousands With One Click Join Our Special Needs Campaign With one click you can lead others to the eternal mitzvah of Tzedakah while helping the many Special Needs Children in Eretz Yisrael. It has never been so easy! What is Crowd-Funding? This is a way for people to involve friends, family and contacts in cause that is important to them by way of a simple email. We have created a web page that let’s people donate securely to Ezrat Achim and before they leave the page, they can easily send an email to others telling them about the page, inviting them to watch the videos and make a donation themselves. It’s all automated and really easy. Scenes from Summer Camp 2013

1. Go to www.EzratAchim.com 2. On the right side find the “Special People Click With Ezrat Achim Banner” 3. Click on the “Read More” tab to be taken to the page with pictures and videos or Click on the “Give” button to make a donation. 4. After donating you will have the opportunity to write a small message to your email contacts so they can also help these Special Children. 5. Even if it is difficult to make a donation, you can have a share in the mitzvah by forwarding the web address with a message to your email contacts.

Be Smart - Maximize Your Giving! By reaching thousands, even small donations are important. Please Give Today.

Letter from the Editor Dear Readers, It’s the beginning of a new year and it should also be the beginning of a better life for all of us. Parnassah is an important part of living a better life, especially for those who are not satisfied with their current income or the lifestyle that their jobs or businesses demand from them. It seems to be in the air. People are talking more than ever before about businesses and new opportunities—even people who never had any thoughts or plans about owning a business before. They come to me with ideas and questions which range from “What type of business can I start?” to “What do you think about importing ‘ACME’ products?” A significant number of aspiring entrepreneurs commonly ask how to go about finding the right opportunity for themselves. Here are a few suggestions as to ways to find or discover the new opportunity you may be looking for. The first thing I recommend people to do is to talk to people — family, friends, acquaintances, professionals, shul members and anyone else who “can fog a mirror.” I would start asking anyone who comes within three feet of me a few simple questions such as: “I’m thinking about starting a business, any ideas?” “Do you know someone who needs to expand his/her business?” “Do you know anyone selling a great product?” “Do you have any ideas for a new business?” “What do you think would be a good business?” There are plenty of ideas out there. Talk to your accountant, financial planner, realtor, doctor, etc. They may have ideas that they never had a chance to pursue due to their being too involved in their profession. They meet a lot of people every day and are a great source of information. Make it your goal to talk to a lot of people. Go to places where entrepreneurs hang out together such as networking meetings. Sign up for all networking meetings within a two-hour driving radius. Attend as many fairs, exhibitions and trade shows as possible. We were exhibitors at last month’s expo “The Event” and many people asked me if there was an opportunity for them within our expansion plans. That works. I gave to two entrepreneurs an opportunity to work with us. Both started already and are doing very well. You can also look on line for ideas or business opportunities. Find out what’s working in other places. Look for great products you may be able to import or for great manufacturers here that may be interested in exporting their products. You can certainly utilize your overseas contacts and your English to place products abroad or find distributors for such products. There is simply no end to good places and activities you can do to find that dream opportunity for yourself. Don’t let next year catch you at exactly the same place where you are now — but a year older. Go for it. Make your life more interesting and exciting. May you and yours be blessed with a new year full of good health, happiness, parnassah and personal growth. We hope to contribute to it to some extent.

Ariel Topf ariel@biznessmag.com Ariel has built several companies in three continents in the fields of internet, retail, wholesale, franchising, direct sales, high-tech, employment, food manufacturing, food supplements, clothing manufacturing, pet nutrition, personal development, restaurant, advertising and publishing. In this process, Ariel has headhunted, hired, trained, managed and/or mentored over 20,000 individuals. Ariel heads BiznessPro, a business consulting firm dedicated to help entrepreneurs who are serious about success (www.biznesspro.com).

Wher e

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Under Zol Beshefa, there’s a store called BALAGAN. It has everything you need for art and projects to keep your kids busy for a long time. They sell known name products and offer the best service ever! Worth a visit! H.T

going to Twinkle Toes ballet studio for

I recently bought the Mayim Chayim8 water purifier for the whole house. Coincidentally our reverse osmosis filter that we use just for drinking water broke last week. I’m happy to report that we are now drinking the Mayim Chayim8 water and we do not miss the other filter a bit. The water is “soft” and tastes really great. Even the kids are now drinking “tap” water for the first time. I hope this helps if you are considering buying a filter. L.C.

I want to recommend a baking store

shows a year with special costumes. I love going there! Miriam, 10 yrs old that is located in RBS B, for all your baking needs. The store is called Baking World/ Olam Ha’afiya. They have the biggest variety and lowest prices in town! Y.I I

read

the

interview

Bizness

Magazine did with the chef of Greg, the new restaurant at the Big Fashion mall. I was curious to find out if Bizness just “makes up” good stories or if the guy

After doing major renovations in my home I can only recommend one person who did a perfect job the first time and was a pleasure to work with. His name is Ari Zigelman. He is a great electrician. He goes by Dr. Electric and his number is 052 577 1039. E.T

the staff and their customer service. I

H u g e recommendation to BH communications! Thank you so much for all your help today!!! Your customer service is excellent! T.M.

courts around. So here is the answer:

Your one-stop for all your chocolate baking needs: • Vast selection of chocolates • Cream llings: nougat, chalvah, chocolate, vanilla, caramel • Colorful sugar dough • Peanut butter, marzipan, vanilla beans Huge Selection of Baking Accessories: • Chocolate silicone molds • Tart pans • All types of disposable pans, serving bowls • Variety of pastry bags and tips • Special 2-handled knife for cake cutting • Large Selection of Mousse Cups & more... And much more... • Accessories for decorating dough • Mini pie crusts and cigars ready for lling • Extracts: vanilla, rum, strawberry, almond, orange, pistachio, etc. • Frozen blueberries, cherries, chocolate and maple syrup. • Pre-checked raisins from Rav Vaye RBS Bet, Ramat Nof Shopping Center Nahar HaYarden, corner Yehuda HaNasi Kupat Cholim Meuchedet Bldg. -2nd Floor Store: 992-1512, Home: 992-1513, Cell: 052-769-5296 Hours: Sunday 5:00-9:00 Mon-Thurs 11:00-1:00 Friday 10:00 - 1:00

• AUGUST 2013

is very patient and nice. We make two

I got a copy last night! Thank you… much appreciated as we love your magazine. By far the most informative, professional and beautifully produced free periodical in the country. All the best, R.G.

All Your Baking Needs at the Lowest Prices. Huge selection of chocolates and nuts Badatz Haedah Hacharedit.

the past two years and I love it! Lindy

for ry ver e liv o de ses IS. e a e Fr urch 00 N p 1

have

Bizness Magazine

been

really knows how to cook. So I went there. The food was awesome and the waiter was very friendly. R.S I’m one of those loyal customers of Super-Pharm. I always liked the store, loved their location too as it was easy to park. When they moved to the Big Fashion mall I felt that it was going to be a big inconvenience to get all the way into the mall just to pick up a few items. To my surprise I discover that now it’s even easier to get there if you park all the way to the end of the parking lot, precisely where the drug store is. Just sharing… A.R. Every time people see me on my tennis outfit they ask me if there are tennis there are four tennis courts at the tennis club in Bet Shemesh. The club is located in Migdal Hamayim where the old pool used to be. Some play with a professional coach and others with friends. Kids have chugim all year round. And yes, before you ask, they have separate hours for boys and girls. A.C.

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Insurance

By Egert and Cohen, your Neighborhood Agents

It’s that time of year again – a time for introspection and checking oneself. How about this? “Cheshbon Ha’Nefesh” Insurance! 1. Wills: Have you made out a will? If, God forbid, something were to happen to you, as parents, have you left clear written instructions regarding your kids? 2. Life Insurance: Have you reviewed your life insurance recently? (Let your agent give you a full list of the amounts that you and your spouse carry.) If you don’t have insurance, at least consider basic Term Insurance. 3. Disability Insurance: Sometimes this is needed even more than Life Insurance (i.e. you lose the ability to work for the next 25 years). Who will fill the financial gap if you become incapacitated? Make sure that you have adequate coverage. 4. Work Benefits: Are you a salaried employee? Ask your employer’s insurance agent to give you a break-down of your Bituach Minhalim. It is often worth getting professional advice as to your pension needs. 5. Supplementary Health Insurance: Sometimes a child needs a complicated operation, let’s say an eye operation, which can be done best in the U.S. or someone needs to take expensive medicines that are not on the health fund’s list or somebody, God forbid, needs a transplant. All this coverage is yours for approximately NIS 90 per month -- which will cover a couple with 3 or more kids. Just do it! 6. Car Insurance: Make sure that your car is insured for all drivers (i.e. young/new/visitors). Always let your agent know, even if someone only takes it for a short spin. 7. Home Insurance: Do you have an assessor’s report for your contents? Have you looked into switching your building insurance (which comes with your mortgage) from the bank to a private insurance company? May Hashem bless us all with courage, good health and fulfillment in both the spiritual and material worlds. Shana Tova!

e c ran

y u s a s e In made

Comments, questions, ideas: shimon@egertcohen.co.il. Remember, we’re here when you need us! Call us with any questions at: 02-6232546.  12

• AUGUST 2013

Bizness Magazine

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Summer gives way to a magical scent of renewal – It’s a New Year and a festive new start! It’s time to taste the magic of the new year, real serenity of a new beginning Elbaryo – the enchanting Italian dairy invites you to a small leap to Italy ... Meet connoisseurs, perfect concept of experience and a story of good taste. Italy has never been so close!

Happy New Year and happy holidays!

Sderot Hadekel 11, Givat Sharet, (Sheinfeld Commercial Center,) Beit Shemesh | Hours: Sun. thru Thurs. 9:00–24:00 | Fri. 8:30-13:00 | motzei shabbat an hour and a half after Shabbat until 1:00 | Tel. 02-624-2020 email: elbaryorest@gmail.com | website: www.rest.co.il

Catered events in the restaurant: 052-70-44-005

Life Coach

A New Year – A New Message By Helen Abelesz

t is so easy to get caught up in our busy lives that we rarely stop and think about where we are going and if we are headed in the right direction. Elul and Rosh Hashana are the perfect times to reassess our lives and think about where we are headed and how we want to improve and grow. Am I living up to my potential? Am I raising my children well? Am I able to do the things I want to do? Many people realize that they are setting the same goals each year or that they keep on promising themselves--next year. Have you made any real changes in the past year? Do you make the same goals every year at Rosh Hashana? Have you achieved them or will you set yourself the same goals again? What are the goals that you should be setting for yourself? It’s often difficult to know but with just a little help we can identify realistic goals and then set out a clear map as to how we can achieve them. Chaya* was very frustrated with herself. She would look around at other mothers. They all seemed to be coping with all the hustle and bustle of raising children and keeping a home. They seemed to be happy and organized. Why couldn’t she be like that? She was just finding everything too much. Why did she have to shout so much at her children? Why was her house always a mess? And why was making Shabbat and Yom Tov always so overwhelming? Chaya realized she needed help. She gave me a call. We spent much time working out what Chaya was good out and what wasn’t working in her life. From these lists we were able to choose two goals that she wanted to work on. Chaya began to focus on these aspects of her life. She recognized that she always had this one sentence going around in her head, “I’m not

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AUGUST 2013

good enough.” This colored every aspect of her life. She felt like she wasn’t a good enough daughter, wife, mother or friend. She discovered that this was a message that she had been giving herself for as long as she could remember. She discovered how this “old story” negatively affected how she reacted and behaved in different situations. We then questioned whether this “old story” was actually true. We focused on what it means to be good enough. How does one define being good enough at anything? We all can only do our best and then ask Hashem to help us to achieve what we want to achieve. Chaya began to recognize that she was saying to herself, “I’m not good enough” and changed it to “I’m doing my best.” She found this to be a much more forgiving and positive message. Over a period of time, this message became more natural to her and began to seep into her psyche. Chana started to feel good about herself. She was no longer frustrated and now had the basis to move forward and choose new goals. We all have our own negative messages and old stories that we hold onto-- even when we don’t always know what they are. It’s not always easy to identify them and know when you tell yourself this story. With a small amount of coaching, you can begin to identify this message and substitute a positive message. This can be extremely liberating, as it was for Chaya. I wish you all a wonderful year ahead and if you would like to learn how to make a real change to your life and turn around any negative messages, then call me for a free consultation. Helen Abelesz Life Coach 054-482-9815.  *Not her real name and all identifying features have been changed.

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Technical Services

Tzvi builds his reputation on customer satisfaction

Air Conditioners Repairs, Freon Leak Detection, Sales, Planning & Installation of VRF, Mini Central and Multi Inverters. The evaporator and condenser coils collect dirt, dust and mold over time, especially when they are in use during the warmer months. Tzvi recommends cleaning these items every 2 years in order to maintain the efficiency of the unit, save you money and ensure a healthier environment. The company uses the latest methods to detect Freon leaks, repair and service your air conditioning units. They carefully and thoroughly clean the evaporator coils with a special cleaning solution and pressurized water, not with harsh brushes that are often used. This method is more cost-effective and gentler on your air conditioning system, resulting in a unit that works more efficiently. It is also advisable to periodically wash the filters and check the overall performance of the unit to ensure its optimal operation.

Tzvi Lefkowitz - 054-498-5298 Tzvi@HandymanTzvi.com We take all major credit cards Installments payment option

Tzvi has many years of extensive experience in general contracting and home construction and renovations. Tzvi made aliyah from New York where he built multi unit projects and custom homes. Air conditioning is one of his passions. He provides care and maintenance services for all the major brands including: Elco, Electra, ECP, Tadiran, Tornado, Fujitsu, Mitsubishi and LG among others. Tzvi specializes on both wall units and central a/c units. He gives a thorough explanation of the work to be done with honest and affordable prices.

www.HandymanTzvi.com

Real Estate Legal

The Preservation of Historical Buildings in Israel:

An Old/New Trend in Israeli Real Estate

By Nicole Levin srael, although a modern country, is an ancient land. There are many early sites going back thousands of years. There are also many ancient cities such as Jerusalem, Acre, Jaffa (Yafo), Tiberius, Beer Sheva and Safed. In addition to this, the return of the Jews to their homeland sparked the construction of many towns and cities. These towns and cities were the cornerstones of the fledgling Jewish state to come. The preservation of historical buildings therefore includes the restoration of ancient cities and their adaptation for modern life and the conservation of historical buildings in modern cities. In this article I will endeavor to touch upon conservation in the modern cities in general and specifically in Tel Aviv-Yafo (Jaffa). Tel Aviv-Yafo is both an ancient city and a modern one. The origins of the modern city of Tel Aviv begin with the ancient city of Yafo. Although Tel Aviv as a city is only about 104 years old, the city of Yafo enjoys over 2,000 years of history. Yafo is mentioned in the Bible when King Solomon floated wood from Lebanon on rafts to the port of Yafo, taking them from there to Jerusalem to construct the first Temple. The prophet Jonah fled to Yafo where he boarded a ship to Tarshish. Since then, the city has been captured many times. In the past 215 years alone, it has passed from the Ottomans to the Egyptians, back to the Ottomans, to the French and back to the Ottomans again. After World War l the British ruled it until finally, in 1948, it passed to Israeli rule. In the second half of the 19th Century, several groups began to construct buildings outside the walls of the old city. In 1866, the American Colony was founded by a group of Protestant Christians 16

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from Maine, USA. Their settlement was unsuccessful and they sold their lands to a group of German settlers from Wittenberg who were also Protestant Christians. They founded their settlement in 1868 by using some of the wooden prefabricated houses imported by the Americans and by building more structures of their own. In 1871, another German colony, Sarona, was established on lands which are located today near the Azrielli Towers. Seeing the success of the German colonies, Jews began to plan the first Jewish settlements outside the walls of the old city of Yafo. In 1887, a group of Jewish settlers established the neighborhood of Neve Tzedek on lands owned and bought from Aaron Shlush. In the same year, a group of investors headed by Yaakov Navon, received permission to build a railway line from Yafo to Jerusalem. The line was built by a French company and on September 26, 1892, the train made its maiden journey to Jerusalem. Soon, other Jewish neighborhoods began to appear such as Neve Shalom, built by the wealthy Jewish businessman, Zerach Baranet, Machane Yosef and Shabazi. Early in the 20th Century, another group of Jews from Yafo banded together and, in 1909, began construction on what was to become the first neighborhood of Tel Aviv, Achuzat Bayit. It is interesting to note that the founders of the neighborhood saw it as a suburb of Yafo. They enacted strict rules for the planning of the neighborhood. Each house was to be no more than two floors in height and was to have a garden in front and in the back with a certain amount of trees in each. The most important rule was the prohibition of running businesses in the homes without specific permission from the committee of Achuzat Bayit. Soon, other neighborhoods began to appear, the most prominent one being Nachalat Binyamin. However, World War l temporarily cut short all plans for the city’s urban expansion as the Turks brutally expelled all Jews from Tel Aviv and Yafo. Those that did not hold Ottoman citizenship were exiled and those that did hold Ottoman citizenship were sent north for the duration of the war. The Jews returned to Tel Aviv only after the capture of Palestine by the British Army. During the British Mandate Tel Aviv expanded in leaps and bounds. In 1934, Tel Aviv was declared a city and in 1949, the municipalities of Tel Aviv and Yafo were united into one city called “Tel Aviv-Yafo.” During this time, many important historical buildings were constructed. In Achuzat Bayit, the house of Meir Dizengoff, one of the founders and the first Mayor of Tel Aviv, was donated to the public after his death. It is from this house that Israel was declared a state. Today it is a museum. The Eden Cinema, one of the first movie theaters in Israel, was built on the edge of Achuzat Bayit. One of the most impressive buildings built in Achuzat Bayit on the corner of Herzl and Ahad Ha’am Streets was the Gymnasia Herzliya. This beautiful building played an important role in the lives of the inhabitants of Tel Aviv as it was one of the first high schools and a place of public meetings and events. It was to this building that the bodies of Jews massacred in the Arab riots of 1921 were brought and from there sent for burial. In 1926, the well-known Hebrew poet Chaim Nachman Bialik immigrated to Israel and built his beautiful and impressive house in Tel Aviv. In 1928, the Great Synagogue was constructed on Allenby Street. In 1930, the Mugrabi Theater opened for business and, in 1936, the Tel Aviv Port was established. The 1930s saw the arrival of many Jews fleeing Nazi Germany. The architects among them, many of whom had learned the Bauhaus style of architecture, began to plan buildings in this style. During the

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1930’s and 1940’s a large number of Bauhaus buildings were built. It is for this reason that Tel Aviv was declared a World Heritage Site by UNESCO in 2003. Unfortunately, Tel Aviv’s star began to dim. Large neighborhoods were built rapidly in order to make room for the large number of refugees who poured into the country from war-torn Europe and the Arab countries. Many historical buildings were destroyed, the most prominent among them being the beautiful Gymnasia Herzliya, which was demolished in order to make way for Migdal Shalom, the city’s first sky scraper. It wasn’t until the 1990’s, that the Tel Aviv municipality began to make a concerted effort to preserve the heritage of the city. A town plan was adopted in which 1600 buildings were declared historical. These buildings cannot be demolished and their renovation is governed by strict rules. Why do we need to preserve historical buildings? Why not just knock them down and build better, stronger and more modern buildings? We conserve historical buildings and sites in order to teach our history to the world and to future generations. We conserve historical buildings and sites because their architecture is a form of art and just as we protect works of art, we should protect buildings of special architectural interest. Many sites tell stories that show our heritage and our history. The conservation of these sites saves our heritage for all time. Therefore, certain sites are slated for preservation above others--including sites in which an historical event took place such as Dizengoff’s house where the State of Israel was declared. Sites of local importance, such as Yemin Moshe in Jerusalem, also take precedence. Sites that show a phenomenon of national importance, such as the first moshavot, are also preserved. Sites that show a specific building culture, such as buildings built in the Eclectic and Bauhaus styles in Tel Aviv, are conserved. We also preserve buildings that were the home of famous people such as the homes of Chaim Nachman Bialik, Reuben Rubin and Shimon Rokach in Tel Aviv. The preservation of our historical sites and cities breathes life into our cities and urban centers. It brings tourism and business and renewal to places that would otherwise have been dead. There are different types of preservation. In the preservation of a single house, the house is not changed, just strengthened and renovated in the style and manner of the original structure. An example of this is the school building in Mikve Yisrael and another is the Pagoda House on Nachmani Street, Tel Aviv. When there is an entire site with a common denominator, it is all preserved--despite the fact that the architecture of the houses may not be anything special. Examples of this are Neve Tzedek in Yafo, Nachalat Hashiva in Jerusalem and Sarona in Tel Aviv. If the building is in such bad condition or has been demolished, then a replica of the building or site may be constructed. To this end, the illegal immigrant camp at Atlit was rebuilt. Very often the façade of a building is preserved and the internal division and use are changed. This is what was done with the Suzanne Delal Center in Neve Tzedek. In some instances, only a part of the façade is preserved or certain architectural items are preserved after the building has been destroyed. An example of this is the “Talita Kumi” façade erected outside the Hamashbir department store on King George Street, Jerusalem. Another form of preservation is when a building is conserved but now is used for a totally different purpose--such as the Eden Theater which is currently used to house Bank Leumi’s ar-

chives. In many instances the site becomes a museum, such as the site of Kfar Tavor. Although many of the rules governing the conservation of historical buildings prohibit external changes to the building, allowances have been made as they were in the case of 96 Hayarkon Street and the house of Menachem Ushishkin, which is located on the corner of Allenby and Hayarkon streets in Tel Aviv. Upon reading this article one would think that the preservation of historical buildings and heritage sites has won the national consensus. Unfortunately, this could not be further from the truth. Local conservationists are often forced to battle land developers and even government authorities who have no interest in the preservation of our history and heritage because of the cost and time involved in the work of conservation. To them, it is easier to just tear it all down and build something new rather than conserve the historical building. This is of course true but as a people, we lose a lot more. Due to the lack of archaeological proof, there is a heated debate among archeologists as to whether or not King David and King Solomon really existed. To many archaeologists the stories of King David and King Solomon are no more than myths -- just like Zeus is a myth. If we do not want to be relegated to the level of a myth, we must preserve our historical buildings, monuments, art and culture despite the economic cost.  About the Author Nicole Levin is an American-born, Israeli-trained, real estate attorney with 28 years of experience in the field. She has law offices in Bet Shemesh, Jerusalem and Modiin. Her website can be visited at www.levinlawoffices.co.il, Tel: 02-9915687.

Chol Hamoed Sukkot and Isro Chag family Farm Fun at

Davida’s Petting Farm

Moshav Yishi 82 - Road 38 across from Bet Shemesh

Water Slides*

*Depending on weather.

Demonstrations Planting Corner Trampolines

Tractor & Cart Rides

Milking & Spinning

Horseback riding lessons and therapeutic riding during the year.

Horseback Riding

Kosher Sukka on Premises, Sweet Surprise for children with ticket.

Big Farm animals Petting Corner

Tickets: Children ages 2+: 35 nis (includes all activities).

Adult ages 14+: 15 nis. Please dress modestly

Hrs: 11:00 -18:00, erev chag & Friday til 15:00 No need to reserve during Chol Hamoed

Davida 0505-739899 / 02-9910061 BIZNESS MAGAZINE

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Car Mechanic

Car Anatomy Series

Engine Oil 101 (Yes, for Dummies)

By Ariel Levy, Expert Car Mechanic

il. The liquid gold of the last century and this. Not only does it play an important role in the world economy and in the world political arena, but without it your car engine will just not run smoothly and its life expectancy will be severely reduced. Oil lubricates the moving parts of the internal combustion engine. (See previous articles on www.biznessmag.com on how the internal combustion engine works.) It also cleans and helps cool the engine. The motor oils used in your automobile are derived from both petroleum based and synthetic chemical compounds. Picking out just the right kind of oil can get very confusing as there are so many kinds, grades and standards. Look at your car owner’s manual to find out what oil your specific vehicle needs or come in and visit me and I will help you pick the oil that is best for you. One of the advantages of living in Israel is that oil choices here are much simpler as they are so limited. That makes it much easier to pick the best oil for your car. Oil gets used up so we recommend an oil check at least once a month. How to Check your Oil: This should be done when your engine is cold (or has been off for at least twenty minutes). 1. Find your dipstick. (A dipstick is a rod for measuring the depth of a liquid.) Its location depends on the type of vehicle that you drive. Either look in your owner’s manual to find where yours is located or come by my garage to say, “Hi” and I will help you find it. (I just love company.) 2. Wipe the dipstick off on a clean, lint-free shmatta. 3. Insert the dipstick into the oil tank which is found under the car’s hood. 4. Pull it out again to see how far up the stick the oil reaches. There is a line on the 18

• AUGUST 2013

stick which indicates that your car does not have enough oil. You should NEVER let the oil in the car get this low. You should also never overfill the oil tank (over the line that says “full,”) as that can cause a lot of black smoke and other problems. 5. If your car needs oil, put some in (or have your gas station attendant or garage do this). 6. Put the dipstick back into the place where you found it. Oil gets dirty and contaminated. This happens gradually. But, as a rule of thumb, it should be changed any time from 5,000 to 20,000 kilometers or every three months to a year depending on how much driving you do. I recommend that you go to your nearest garage (hopefully mine) to get it changed. Your garage mechanic can do this quickly and easily. But for those “do it yourselfers,” here are some directions on how to change your car’s oil by yourself. (Not overly recommended.) How to Change Your Oil (by yourself): (Do this only after your car engine has been warmed up for a few minutes to enable the oil to flow easily—but not too much so that you get burned. You are doing this at your own risk.) 7. Get a container to catch the oil. Make sure that it is big enough and that it won’t melt. 8. Open the drain plug or nut. Once opened, the oil will drain out of your engine and into the container. 9. Remove the filter. 10. Using a new bottle of oil, moisten the gasket on the top of the new oil filter and screw it into the engine. 11. Replace the drain plug. 12. Pour in fresh oil. 13. Replace the oil cap and run the engine for 30 to 60 seconds, checking for leaks. 14. Shut the engine, wait ten minutes and recheck the oil level. Gradually add a little oil at a time until you reach the “Full” line on the dipstick. 15. We recommend that you let the oil settle an additional ten minutes and then recheck oil levels. If you are still full, you’re good to go. 16. Sell the used oil to a car garage that sells reconditioned oil. Don’t come here with that offer .  About the Author Ariel Levy’s car garage will be happy to take care of your oil needs. The garage is located in the Bet Shemesh industrial area on Hamasger Street (next to the Moadon Haklavim pet shop). Ariel can be contacted at 054-205-0389.

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Must I give my child ™

Ritalin?

By Dr. Binyamin Rothstein

he inventor of ADHD, American psychiatrist Leon Eisenberg, M.D., confessed on his deathbed that “ADHD is a fictitious disease.” In other words, not every child who has difficulty sitting still, staying focused and learning in a traditional classroom, should be diagnosed with ADHD. This startling confession has come 40 years too late. By now, millions of children are taking a drug that they often don’t need making billions of dollars for the pharmaceutical companies. Many normal, healthy children are diagnosed by their teachers. Rather than exploring healthier options, the school pressures the parents by threatening that the child will be unable to return to school unless medicated! True ADHD occurs when there is a deficiency of dopamine in the brain which leads to erratic and disruptive behavior patterns. This occurs in only 10% of children diagnosed with ADHD. What about the other 90% of the children diagnosed with ADHD? In the vast majority of cases, something else is causing ADHDlike symptoms. It is well-worth the effort to find out what is causing these symptoms and not just drug the child unnecessarily. How can a parent tell if their child has a true dopamine deficiency or the ADHD-like symptoms are caused by something else? Observe your child. If he/she can stay focused on something of interest -- a game, a book, Lego, an art project, etc.-- for a considerable length of time (excluding computer games which may exacerbate symptoms), then most likely your child does not have a dopamine deficiency and does not need Ritalin. So what’s your next step? Let’s explore five areas which will be of tremendous benefit to your child. 1. Make sure your child’s structure (body) is balanced with OMT -- Osteopathic Manipulative Treatment. Just like wearing a tight pair of shoes or a tight hat would make anyone “nudgey” after a while, many children feel that way inside their bodies. Whether due to the normal falls and bumps of childhood or more severe trauma, a child’s body can get “locked up” and

make a child uncomfortable and nudgey so that he will have great difficulty sitting still and staying focused. For example, the skull is made up of 22 bones that are designed to move ever so slightly to accommodate the pulse of the brain. Whenever there is trauma to the head, even a seemingly innocuous fall, the bones can jam and inhibit the natural pulse of the brain. The child may not even realize that he/ she is uncomfortable but he/she can’t sit still unless the interest level is high enough to distract him/her. Have your child seen by a competent osteopath who will be able to treat the source of the pain and dysfunction so a child’s (or adult’s) condition can be healed and not just masked with medications. 2. Make sure your child is getting “brain healthy” food. Artificial colors, flavors and sweeteners are brain toxins. Sugar and high fructose corn syrup can act like cocaine on the brain and increase cravings for more. Protein in meat, poultry, fish, eggs and nuts boost dopamine levels and help us become more focused. But, when we load our kids up with simple carbs -- white bread, sugar cereals, fruit juices, soda, cookies and candy -- this decreases their ability to focus. We then expect them to sit in school and learn! Try to introduce more whole grains, fruits and vegetables. Also, make sure your child is getting a good multi-vitamin daily to make up for any deficiencies. Remember, good food makes you smarter! 3. Make sure your child is getting enough sleep. Being tired looks a lot like ADHD. In fact, Ritalin is like coffee. It wakes you up so you feel rested, but that is just an illusion. We all need sleep and children need more than adults. Children under the age of 12 need about 12 hours of sleep. Teenagers’ sleep patterns are more erratic but, as a rule, 8 hours will be fine with occasional 12 hour nights. 4. Sometimes a child misbehaves as a result of poor discipline. Discipline means setting limits, rewarding good behavior and being clear about expectations. Remember, by nature, a child wants to please his parents and teachers. Is something missing in the relationship? Does the child feel loved and secure? 5. Is your child being bullied? Being bullied can make a child dysfunctional, especially in school. After asking your child about his day in school, ask if he has any secrets that he was told not to tell to his parents. No one has the right to pressure you to do something that is harmful to your child. Giving unnecessary drugs is harmful. I am here to support you in finding a true cure for your child’s ADHD symptoms. You can call me for a free, ten-minute phone consultation.  About the Author Binyamin Rothstein D.O. is an American trained osteopath who specializes in manipulation and nutrition to enable the body to heal itself. He has offices in Bet Shemesh and Jerusalem. You can reach him by calling 058-610-9149 or through his e-mail at: docben55@gmail.com. His website address is: thecompassionatephysician.com

Mortgage

an annual cost of that money, your Term will determine how much ne concept that appears to bother borrowers in Israel needs to be paid back each month. more than borrowers in America is the length of time that Some people make a budget before they buy a home taking it takes to pay off their mortgage loan. This time period is into account their available down payment and how much they referred to as the “Term” of the mortgage. would need to cover monthly payments over the number of years In Israel, the focus seems to be on the length of this commit(10, 15, 20, etc.) that it would take to pay off the mortgage. This ment and how much cumulative interest is paid to the bank as gives them a price range that they can afford. They a result of keeping the money out over that period then look for an area that matches that price of time. range. In practice, however, as sensible as Perhaps one of the reasons may be that the above seems, these people are in the the elaborate U.S. “Truth in Lending” minority. Most people start with a deregulation, which requires very desire (or perceived need) to live in a tailed disclosure of all the interest particular area and the value range and other costs paid over the life of that area and their down payof the loan, etc., enables U.S. borment determine the amount of the rowers to make a more informed mortgage they need. In this case, decision and allows them to be the primary factor that would conmore comfortable with a longtribute to the size of their monthly term commitment. In fact, in the payment would be the term of the U.S. market, a 30-year amortizaloan. Simply put, the mortgage paytion is the most commonly used ment for a 15-year loan would have length of time for a mortgage. The a payment that is significantly higher exception would be a strong bor(50%+) at today’s interest rates. rower in a low-interest rate market, By Moshe Wilshinsky So let’s do away with a major misconlike today, who could afford a higher ception with 30-year loans. In most cases, monthly payment and would want to pay

A Mortgage is a Long-Term Commitment:

But How Long is Long?

off the loan quickly. In this case, the borrower may opt for a term of 15 years. The primary issue that affects the amount of the monthly payment is in fact the Term. This is not a side issue but is a primary issue and is sometimes more important than the interest rate. Below is an analogy that I often give to illustrate the point: If I told you that I could save you 50% of your rent, you would be very interested. But, if I told you that in order to save that money you would need to move out of your apartment after six months of your one-year lease, you would say that this was ridiculous because the “saving” could not be realized since you would need a place to live in the remaining six months. In this analogy, it is clear that you need to live somewhere. The rent that you would pay would be based on the time that you were using the apartment. Therefore, if you had to move out for six months, you would not actually have any ”savings” since you still need a place to live. And you’d still need to pay rent – just somewhere else instead. When you take on a mortgage, you are not renting the apartment (or house). It belongs to you. However, the price of the home is paid with money from your account and the bank’s. Think of that as “renting” the money from the bank and your monthly mortgage payment as paying rent on that money. While the interest rate sets 20

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when you take a 30-year mortgage, you will not be keeping that mortgage for 30 years. And you are under no obligation to do so either. You can still pay off the loan in full or in part whenever you want to do so. The issue to consider is the pre-payment penalty as I discussed before (but that’s another article). Therefore, the most important factor here is that the monthly payment that you are committing to should be an amount that fits comfortably into your monthly budget. By using a longer Term, you lower that monthly amount and with today’s interest rates the difference, if any, is not that significant. (It should be noted, however, that the interest rate on a 15-year mortgage can be significantly lower than on a 30-year term. But this is all academic if you are unable to comfortably afford the payments on a 15-year basis.) The bottom line is that you are not a “frier” for taking a 30year loan, if that’s the Term you need to make it affordable. As it is, it’s no different than paying rent to a landlord for the length of time that you would be living in your apartment.  About the Author Moshe Wilshinsky is the CEO of Moville Mortgage & Finance Ltd. Contact information: Israel: dial: 073-796-2226 and then press the special 711 BiznessMagazine extension. In the U.S., dial: 201-377-3418; in the U.K., dial 208-596-4501. Website is at: www.movillefinance.com.

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New at Macabi Health Services, Beit Shemesh! Macabi Health Services is pleased to announce the opening of a pharmacy at Macabi's Beit Shemesh medical center, 6 Nachal Zeelim St., Ramat Beit Shemesh.

Pharmacy business hours:

Sunday-Thursday 08:00 – 12:00 hours Monday, Tuesday, Wednesday 16:00 – 18:30 hours Friday 08:00 – 11:30 hours Phone: 1700-50-53-53, Fax: 02-6221041

Macabi Beit Shemesh clinics are at your service as usual:

Beit Shemesh clinic, 15 Itzhak Rabin St., tel. 02-9917587 Ramat Beit Shemesh clinic, 6 Nachal Zeelim St., tel. 02-9906333 Heftziba Beit Shemesh clinic, 13 Ben Ish Hai St., tel. 02-6591212 Ramat Beit Shemesh Merkaz hamechonim, 19 Nachal Dolev St., tel. 02-5061999

To join: *4535

Rules and regulations apply

Orthodontics

Smiling from Bet Shemesh to Jerusalem with Smile Talk

Dr. Lavi and Dr. Gherman

Joining Forces

r. Edo Lavi and Dr. Eliyahu Gherman are pleased to announce that, in addition to his Jerusalem practice, Dr. Gherman will be working together with Dr. Lavi in the Ramat Bet Shemesh office as well. We call this “joining forces.” Orthodontic forces are most efficient when they are light and continuous. By joining forces, our patients will enjoy the same pleasant orthodontic experience that we are proud to offer, while at the same time benefitting from the consistent continuous care that two well-trained orthodontists can provide, in a way that no single orthodontist can. Drs. Gherman and Lavi have enjoyed a personal relationship that goes back over thirty years but their professional paths have not intersected until now. Dr. Gherman was a celebrated dental student at NYU Dental School. He was accepted on full scholarship and was awarded many honors while in school. During that time, he also did dental research at the National Institute of Health, where he was respected as an exceptionally diligent researcher. Immediately upon his graduation from NYU, Dr. Gherman was accepted into the highly prestigious and selective Montefiore Orthodontic program. This program is renowned for being a very rigorous, full-time, threeyear program. Since graduation, Dr. Gherman has accumulated over fifteen years of experience in Pediatric Orthodontics. We are looking forward to benefitting from his expertise as he lends his talents to the Ramat Bet Shemesh community. Dr. Lavi did not know what he wanted to do for a living until his wife suggested dental school. After graduating with honors from the University of Dentistry and Medicine of New Jersey, he entered a general practice residency at Long Island College Hospital where he gained a deeper appreciation of dental treatment in the context of greater overall health. He became experienced with medically compromised and handicapped patients, as well as severe head and neck trauma emergencies. The following year, Dr. Lavi was recruited to be the chief resident at Interfaith Medical Center in Brooklyn, New York. As chief resident, he was responsible for handling the most difficult dental cases that came through the clinic, as well as all the orthodontics. He was also required to publish research on sleep apnea and present it at the greater New York dental meetings. The following year, Dr. Lavi entered NYU orthodontic school, where he was able to focus his studies full-time into one discipline. As soon as he graduated in 2003, Dr. Lavi began building the Ramat Bet Shemesh practice to what it is today. 22

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Before

After

The benefits that come from two such highly qualified orthodontists working together cannot be overstated. There are so many modalities available to achieve our treatment goals and it is impossible for one orthodontist to have experience in all of them. Every new patient is different and is a learning experience. Between them, Drs. Lavi and Gherman have treated many thousands of patients over the years. They first noticed the benefits of working together when they opened the orthodontic program in the Lemaan Achai dental clinic run by Dr. Shmuel Katz. At Lema’an Achai, Drs. Lavi and Gherman treat the most severe orthodontic cases from Ramat Beit Shemesh that are eligible for Lema’an Achai’s dental services. The benefits of their collaborative efforts were immediately apparent, as even the most severe cases became an opportunity for their unique professional backgrounds to complement each other. For example, a girl in her late teens presented with a collapsed maxilla and severe crowding. Normally, the severity of the case and the age of the patient would have made her a clear candidate for extensive orthognathic surgery. After reviewing the case together, Dr. Lavi was confident that he could expand her upper jaw non-surgically, as he had done with adults in a hospital setting. Dr. Gherman asserted, that if Dr. Lavi could expand the jaw, he could utilize bioforce mechanics to apply ideal pressure to each tooth, and perhaps the patient could arrive at an esthetic result even this late in the game, without surgical intervention. Even before we arrived at the final result shown here, the synergy of our collaboration was so obvious, that we were very gratified that we could offer such a service to this patient and felt that this would be a truly special service that we could provide for the entire community.  About the Author Dr. Eliyahu Gherman’s office is located at 15 Ibn Gevirol, Rechavia. The phone numbers are: 02-561-9770 and 02-561-9780. The hours are Sunday, Monday, Tuesday and Thursday from 8 a.m.-3 p.m.; Wednesday 8 a.m.-7 p.m. and Friday 8 a.m.-12 p.m. Now in Ramat Bet Shemesh too! Dr. Edo Lavi’s ofﬁce is located at 1 Nachal Tamar, Ramat Bet Shemesh. The phone number is: 02-992-3363.

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The next question you need to know is what is happening in your neighborhood. Changes in your neighborhood can affect price. Is there loud construction that will be going on for a number of years? Is there a school nearby or is one being built? Many people do not like living near schools as they can seriously affect noise levels. Is there a lot of automobile or bus traffic? Are you located within walking distance of a makolet, supermarkets, kindergartens and schools? Are there parks nearby, etc. Size, Age, Floor Other very important factors in the price of your home are size, age and the floor your apartment is located on. The larger your property, the greater your asking price can be. The older your property, the lower its value will be on the market. Convenient access to your apartment can definitely contribute towards a higher asking price.

In Real Estate:

How to Properly Assess your Property’s Worth By Rachel Cohen and Yaniv Bukobza

ou have finally made the decision to sell your house. No doubt that the first questions that arise are: “How much can I get for this house? What is the maximum I can expect from this property?” A common mistake made by property sellers is that they set a price according to the listings in the papers or in conjunction with the asking prices of assets that are on the market in their area. This is where professional assessment steps in. Why are these elements totally inaccurate? Properties may be listed at outrageous prices that are as far from realistic as the distance from heaven to earth. The seller may wish to get a similar “deal” but it is only after he has entered the market that he realizes, after much wasted time and effort, that the price was surrealistic altogether. In addition, each apartment has its own unique value. As a rough estimate, the size and location will be brought into consideration for the appraisal but a more detailed assessment will include many more factors. Location As the saying goes, “Location, location, location.” A main factor in assessing your property’s value is location. This can change rapidly. Is your property in a good neighborhood? Is there a high demand for this neighborhood or are a lot of people leaving?

Options If your house has some building or expansion options, these will most likely be taken into consideration. If there is a possibility to create a separate rental unit, the property becomes very attractive to many more home buyers who are dependant on the extra income to cover mortgage payments. House Condition And there is no getting around this one. The more your property has been cared for, the higher price you can get. If your children have been running rampant and the walls and floors are a wreck and the doors, windows and cabinets don’t open and close properly, these will all affect your asking price. A good realtor will tell you to carry out as many cosmetic changes on your home as possible before putting it on the market. A good realtor intimately familiar with the neighborhoods in your area will save you time and money through his knowledge and experience. About the Author For more tips on how to raise your property’s value and successfully sell your home, contact Rachel Cohen from Rachel Realty at 052-761-7468 or at racheleva@walla.com, or Yaniv Bukobza at 050-429-3034 or at yanivrealty@gmail.com. Property Assessment is one of their specialties. 

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our body needs water to stay healthy as water is the most important nutrient in your body. Water helps maintain body temperature, aids in digestion, transports nutrients and flushes out toxins. Since water makes up 50-75% of your body weight, it is important that the water that you drink should be of the highest quality. That’s where the Mayim Chayim8 purification system comes in. This revolutionary system purifies your water, enriches your red blood cells and leaves in all of the important minerals that your body needs. Avoid Tap and Regularly Filtered Water Tap water is filled with toxins and artificial chemicals such as chlorine, fluoride and others. Toxins prevent the minerals from reaching your body’s cells. They also weaken the energy found in the water. Filters are a great disaster for the human body as they filter out the good with the bad-the important minerals in the water that the body needs. Purer than tap water and healthier than filtered water, the Mayim Hayim8 process uses a device similar to a centrifuge which stirs the water 14 times at a great speed. This process dramatically changes the water and provides tremendous benefits in the body. The processed water tastes wonderful, is very soft and goes down the throat easily. People call this water “velvet water” as it is velvet to their lips. Skin Skin needs to both drink and breath. But tap water dries out skin and lime pollutants block pores. Mayim Chayim8 water works like a skin cream. The skin is cleaner, smoother and also breathes better. Many clients report positive changes-sometimes after bathing only two times in

Bizness Magazine

Mayim Chayim8 purified water! They report softer skin and the elimination of eczema, peeling and other skin diseases. Sores or cuts in the body seem to heal faster in children and adults of all ages. Scientific research carried out at an Arizona University discovered that red blood cell quality rises when red blood cells are separated from one another. Tests compared tap water, mineral water and water purified by Mayim Chayim8. Results showed that the red blood cells in the tap water were connected to each other; the red blood cells in the mineral water were chained to each other and it was only in the Mayim Chayim8 sample that there was a clear separation of red blood cells. Easy Installation, No Maintenance Installation of the Mayim Chayim8 system takes less than half an hour. After installation, no maintenance is required as there are no parts and no filters needing periodic changing. According to company founder Haim Averbuch, in the past 14 years, not even one client has switched the device, complained or asked for his money back. The device carries a 10-year warranty, has been approved by the Israeli Standards Institute and produces a clean product that meets the requirements of the Minister of Health for drinking water. Manufactured in Israel, it is protected by an Israeli patent. Benefits No kettle limescale; very tasty, soft and healthy water; separates minerals and chemicals and saves you thousands of dollars for many years, among many other benefits. All this with just one single efficient device. Check out user and media interviews at www.mayim-chayim8.co.il Contact info: Haim Averbuch, averbuch136@gmail. com, Ben Tabai St 3/16, Jerusalem 93591. Tel. 02-679-6781 or 052-863-6974. 

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Dr. Yoav Orbach Where are you from? I was born in Queens, N.Y., and made aliyah to Efrat with my family as a child. I currently live in Yerushalayim with my wife and children. What made you decide to become a dentist? A person’s mouth is the gateway to their soul. The first thing you notice about a person is their smile. People share their thoughts through speech. We learn from the Chafetz Chayim the importance of “shmirat halashon” but, without teeth, a person can hardly talk. Being able to restore a person’s mouth to proper function, health, comfort and aesthetics is truly a gift. Why did you specialize in implants and aesthetic dentistry? Let me share a story: A family member spent many years at the dentist’s office trying to salvage an old bridge. Every attempt failed. Not once did anyone suggest dental implants. Needless to say, this family member now has permanent teeth on implants and a beautiful, natural smile. That, more than anything else, explains why I focus my practice on implants and aesthetics. In addition, implantology is at the very forefront of dental technology. Where did you learn and train? More important than where I trained, the better question one should always ask their dentist is: “Do they continue training and keeping up to date?” What was accepted even as recently as five years ago is not necessarily considered optimal today. I trained at the Hebrew University Dental School in Hadassah Hospital here in Jerusalem. I have continued my education with teachers and professors from around the world. I routinely participate in 28

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one of the largest dental conferences in North America where I make sure to stay up to date with the latest medical techniques and technology. Additionally, I travel the country to participate in lectures and conferences on a regular basis. Please explain what implants are. A dental implant is essentially a permanent replacement for the missing root of a tooth, whether the tooth was congenitally missing or needed extraction due to extreme decay or gum disease. A replacement crown is fabricated on top of the implant and either screwed into or cemented onto the implant. Implants may also be used as a more stable support for already existing, ill-fitting or loose dentures. How about aesthetics? How you feel about yourself can be largely dependent on what your smile looks like. We all know people who are afraid to smile because of the appearance of their teeth. We also know people who have beautiful teeth but not a beautiful smile. Aesthetics deals with just that. Using the highest quality materials, we can restore and enhance a patient’s teeth and with the help of Botox and dermal fillers, we can rejuvenate their smiles. Today we can offer patients a true smile makeover. Who is a candidate for implants and aesthetic care? Anyone is a candidate. I’ve treated people as “young” as 90 years old! Technology today allows dental implants to be placed as a minimally invasive treatment that usually takes no longer than one session. What are the advantages of dental implants over dentures or a bridge? Whereas a bridge may require grinding down otherwise healthy teeth, an implant allows us to restore a missing tooth without affecting the surrounding teeth. Any denture wearer will tell you of the pitfalls of a denture including needing a new one to be made every few years and looseness, just to name a few problems. Implants offer a permanent solution to loose teeth! What are the latest technical developments in the field? There are so many! CAD/CAM fabrication, highly aesthetic materials, tooth-colored implants and lasers, just to name a few. How will dental implants affect a patient’s life? I have no doubt that it will increase their quality of life exponentially. Will my new teeth look natural? Absolutely. 100%! Can patients chew with the same force and pressure as with natural teeth? Yes, and even more. Please present How much time is required for an implant this article for a placement? complimentary As every patient is unique, treatment times exam and a will vary. Implants can be placed in as little as panoramic x-ray. 30 minutes! Is the treatment painful? Done with proper local anesthesia, the treatment is virtually painless. Where is your clinic? Located in the heart of Rechavia, we are on 57 Usisshkin St. Tel: 02-545-5603. E-mail: dryoavorbach@gmail.com. If our lines are busy, please try again and we will be happy to assist you. 

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Naomi, are musicians born or made? Tell us about your beginnings. Musicians are made. Some are obviously musically inclined, while others may need more to bring out their potential. Even those who are naturally gifted, though, need help to develop into a fully disciplined musician. My mother saw that I was musical when I was about two years old. When I was six, I began piano lessons with my next door neighbor in Baltimore, Maryland. From there, I continued on an intense music track which also included music theory, piano studies, recitals, competitions, chamber music and more. How many years have you been playing piano? I’ve been playing for over twenty years.

Interview with Naomi Markovic of MarkoMusic

Are Musicians

What makes a good piano teacher? Every student is a unique person with his/her own goals, skills, talents, personality and learning style. I love getting to know my students as people and understanding them--not just throwing music at them. Since we’re able to connect and communicate, the learning process is fun and enjoyable from both sides. I’ve had students tell me about previous music attempts where that connection wasn’t valued. That can really lead to a sub-optimal experience. It’s important to tap into why the student is coming. The student might be an adult looking for a release from the intensity of the workplace, a teen seeking self-expression or a kid who wants to have guided fun at the piano. There can be as many different possibilities as there are individual students! What are the benefits of recording your students? My students love recording. They can track their progress by recording their playing as they learn and improve and they can critique their own playing. When they’ve completed learning a piece, they have a copy they can enjoy listening to and can share with their friends and family. Grandparents of students have told me that they “kvell” when they receive the music via e-mail, hundreds of miles away! I also encourage students to record their own compositions. Sometimes they make up lyrics to music they are learning. It works with any genre, from Classical to “yeshivish”. It enriches the learning and playing experience beyond the “standard” piano lesson. What other music recording and production services do you offer? I offer a full recording studio with high quality digital sound for recording. I use Pro Tools software which is considered the “industry standard.” I compose and arrange music and create professional playbacks for recordings, schools and events. Some clients have everything all prepared--from the vocals, to the harmonies, to the instrumentals. Other clients come to me with a concept--such as an idea for a song--and together we develop it and bring it to fruition. Why do you do what you do? What is your mission? I have seen time and again what music can do for someone. It facilitates self-expression and self-confidence. It’s a great outlet for all ages. Everyone benefits from using a different part of their brain and from the individual attention they receive in lessons or recording sessions. I enjoy working with people and helping them access and express their own innate music. I’m grateful to be able to use my strengths to help other people, especially religious girls and women who are musical and who don’t want to compromise their religious standards or their talent. Where do you teach and how can people reach you? I manage MarkoMusic in Rechavia, Jerusalem. Call me at 052-712-1632 or e-mail me at pianomarko@gmail.com. I do offer some mobile music production services, based on the nature of the project. I look forward to facilitating your musical goals! 

Born or Made? Where did you learn music? I studied piano and music theory through the preparatory school of John’s Hopkins’ Peabody Conservatory in Baltimore, Maryland, USA. When I came to seminary, I continued learning piano here in Jerusalem. I studied music production and recording and have a Master’s degree in Music Business from Columbia College of Chicago. Working with various school and community performances over the years has also developed my accompanist and music arranging skills. Who are your students? I have an incredible and diverse clientele--kids from age 4, college students, seminary students and professionals ranging from beginner to advanced. I teach in English as well as in Hebrew. I am experienced in teaching piano, music theory and songwriting--both as a private instructor and in the classroom. Aside from my students, I also offer recording and production services. 30

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Bizness Magazine

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ʣ”ʱʡ

Interview with

Dr. Bo Rosenblat Chief Physician for Dr. Bo’s Diet Center What is Dr. Bo’s Diet all about? Every patient is unique with a different body, lifestyle and set of circumstances. Dr. Bo’s Diet Center’s team of doctors, nutritionists, dietitians and counselors create an individualized protocol specific to each patient’s unique needs. We provide nutritional guidance and counseling that is custom-tailored to each patient and provide oneon-one weekly private consultations focusing on short-term, rapid weight loss followed by long-term sustainable weight management. Dr. Bo’s Diet is a five-phase program. Each phase varies in length and has its own unique objective. The average patient completes the first four phases in 10 to 16 weeks, with significant weight loss occurring in the first 30 to 45 days, often exceeding 30 pounds! Patients experience continued weight-loss beyond that point but with a greater focus on the long-term objective--keeping the weight off forever without having to for Patients diet forever. who Follow the Is rapid weight loss safe? I am often asked this quesProgram tion by people so overweight that they are at immediate health risks for hypertension, high cholesterol, heart disease or diabetes. A customized nutritional plan that provides rapid weight-loss in the short term, followed by a plan for proper weight management in the long-term, is generally safe when monitored by the right team of professionals. In an ideal world, excess weight should be lost at a slower pace but, unfortunately, we don’t live in an ideal world. Most of us need to see results to stay motivated, otherwise we give up. If we give up, we increase our risks for these serious (often life-threatening) conditions and we are in much bigger trouble compared to losing weight at a rapid pace. How is Dr. Bo’s Diet different from other diet plans and programs? There are many great programs out there but, unfortunately, many are also too narrowly focused. Regarding weight loss, most physicians focus on the physical or medical contributing factors such as thyroid conditions or metabolic disorders. Most nutritionists focus strictly on nutritional education and meal plans that are sustainable for only short periods of time. Most therapists or psychologists will focus only on mental health and behavior modification protocols. At Dr. Bo’s Diet Center, because our program addresses all three of these contributing factors to the struggle with proper weight management -- physiological, psychological, and nutritional -- patients have a much greater ability to not just lose weight but to keep it off for good!

100% Success Rate

Many people lose weight with a diet and then gain it back. What’s going on there? The reason for that is because many patients look at weight loss as strictly a nutritional endeavor. Unfortunately, the nutritional component is the smallest of all. Understanding our unique relationships with food and how to live in the real world but maintain a healthy weight requires more than just a diet plan. Is exercise required on your program? No. While we recognize the health benefits of regular exercise, it is not a prerequisite to success in our program. Do you offer any guarantees? 100% of the patients that follow our program are successful and 100% of patients that don’t follow our program are unsuccessful. However, if you join our program and are less than completely satisfied for any reason, we will refund your money without any questions. The option to cancel our program for a refund expires 30 days after the patient joins. What can you tell people who have done other diets unsuccessfully? Never ever give up. This journey is often long and difficult but well worth it in the end. Remember, dieting is hard but being overweight is also hard. Don’t look for a quick fix or easy solution because they don’t exist. Instead, set yourself up for success by doing the right homework. Call the professionals: Your doctor, local nutritionists and diet centers. Ask questions, learn more and, in the end, go with your intuition. If you can connect with a program’s philosophy, ideology and approach, then give it a shot and put all your energy and focus on getting it right.  About the Author Dr. Bo Rosenblat is a Board Certified Medical Doctor who has served in many leadership positions in hospitals and clinics and has lectured for physician organizations all across the United States. For more information call 077-228-5877 or e-mail him at information@drbosdiet.com

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What’s AngloProtekzia’s mission? We strive to be a one-stop, all encompassing resource for our clients. We assist our clients in any and all matters, including, but not limited to, extricating our clients from difficult situations. We would, however, much prefer to keep our clients out of trouble from the start! Our goal is to afford our Anglo clients “Protekzia” in the form of our knowledge, experience and expertise so that they are on par with their sabra brothers and sisters when it comes to living as a “street smart” Israeli. How much does your service cost? I like to say it costs “less than zero” as you actually make money by becoming our client! That is an interesting concept. Can you please explain what you mean? We contact your household service providers (phone, internet, cable TV, cell phone, etc.) on your behalf and negotiate better deals for you. Due to the strength of our numbers, AngloProtekzia is able to negotiate deals that are not available to individuals. Additionally, some companies have assigned to us a high level manager whom we can call directly thereby enabling us to receive up-to-the-minute best deals – many of which are not available to the general public. Our fee is limited to 50% (plus VAT) of your first year’s savings. The remainder of the savings goes BACK into your pocket! After the first year the savings are 100% yours. Additionally, if we do not save you money (never happens; we always find savings), there is no fee. This is a win-win proposition with no risk for our clients. When did you launch AngloProtekzia? It has been over one year since our launch and we are excited to report that we have saved our clients over one million shekels.

We Put your

Do you work with other professionals? We have widened our strategic alliances to include professionals we trust in the following areas: Insurance (all kinds); legal services including, real estate, civil litigation; family/divorce lawyers; accountants (that deals with Israeli, US, UK, South African and Australian taxes); mortgage brokers; Bituach Leumi experts; computer experts and video production experts for promotional videos, etc. All are reliable professionals and English speakers. They are available to provide excellent service at a reduced rate to all AngloProtekzia clients. What other services does AngloProtekzia offer? Small claim court litigation assistance for our new and existing clients. AngloProtekzia assists its clients in all aspects of filing and litigating a small claims court case and collecting the funds in the event of a favorable verdict. These services include drafting of the summons (in Hebrew) and commencement of the lawsuit by filing the summons with the court. (We advance the fee.) We are available to negotiate a settlement on your behalf. And, of course, we will never accept a settlement offer without your prior approval. If the case does not settle prior to the court date, we will call you and prepare you for the hearing. At your request and if our schedule permits, we can make ourselves available to go with you to the court on the hearing date for moral support, help with language issues and common sense advice. Household service provider relocation services When people move to a new home or a new area, they need to order new services or coordinate the move of old services with the service providers. Many people do not know where to start and are afraid that the companies will take advantage of them and give them expensive deals. Others dread having to deal with these

“Hard-Earned” Cash

BACK into your Pocket

Exclusive Interview with Moshe Fuld from AngloProtekzia

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Bizness Magazine

02 999 3939

issues almost as much as packing up their house. AngloProtekzia relieves its clients of that hassle and makes moving a little less traumatic while, at the same time, assuring their clients that they are receiving the best deals available. Olim Chadashim Services AngloProtekzia sets olim up with services from the most reputable companies and with the best deals possible. Our fee is 200 NIS for the first service we set up and then 50 NIS for each subsequent service set up. (Services must all be set up at the same time.) These fees do not include VAT. Bill monitoring service for new and existing clients We arrange for our clients’ bills to be e-mailed directly to AngloProtekzia. We then check the bills for the following: 1. That you were not “slammed” with services you did not order. 2. That you were not “mistakenly” overcharged. 3. That your plans are compatible with your actual usage. With client prior approval, we will change plans to avoid overage charges. 4. Drastic change of usage. 5. The expiration of your packages thereby avoiding being charged as a “friar” (loosely translated as a “sucker”, for lack of a better word) rate. 6. Insure that you always receive the best rate available for your specific package. If we discover a cheaper rate; we will arrange it for you! After each provider’s monthly bill is checked, we e-mail it to you (and/or to your accountant if requested) with a short explanation relating to its accuracy and specification of any and all corrective measures that were taken. At the end of the 12-month period, we will e-mail you a digital file with all your bills, arranged by providers, in chronological order. The fee for this service is 400 NIS (plus VAT) to be paid in full upon enrollment in the program. What can people do at your website? Our website address is http://www.angloprotekzia.com/. You can find further information relating to everything we have covered here as well as enrolling in any of our on-line services. We are most proud of our client testimonials which are found at http:// www.angloprotekzia.com/testimonials/. We also have a Facebook page with advice, tips, new consumer laws protecting consumers and any and every other topic of interest to Anglos. What gives you the background to advocate for people? I am an attorney licensed to practice in the New York State and Federal Court. I was the principal of the Law Office of Moshe D. Fuld, P.C., a civil litigation law firm. Our goal was to level the playing field for the consumer and in that vein we regularly sued big insurance companies to recover money rightfully owed to the consumer. We were quite successful in doing so. Currently, as the Rosh Vaad Klita of Yishuv Chashmonaim, and prior to that, in an unofficial capacity, I help new arrivals acclimate and strive to facilitate an easy klita (absorption). While doing so it became patently clear that new and not so new olim needed somebody to “cover their backs” so they wouldn’t be made into friars. AngloProtekzia fills that void. “We’ve got your back!” We hope to return your hard-earned money BACK into your pocket and, at the same time, help you live the dream of our forefathers/ mothers without all the “hassle, worry and noise.”

Tell us about your international litigation service. We call it the international litigation law firm for the “regular” guy/gal and small businesses. Until today, one needed to be a millionaire or a multi-million dollar/shekel corporation to retain the services of an international law firm. Due to the prohibitive legal fees involved, any claim for less than “six figures” was barely worth pursuing. NOT ANYMORE! Our fees are reasonable and our work crosses all borders. In fact, we will go to the ends of the Earth if that is what it takes to win our client’s case! If you reside in Israel and are conducting business or have a legal dispute with an individual or entity in the U.S. or you live in the U.S. and are conducting business or have a legal dispute with an Israeli individual or entity and need legal representation, the Law Offices of Fuld & Karp, P.C., with offices in NY and in Israel (located in the mercaz), is happy to offer assistance. At what stage should people consider using your services? We recommend that people utilize our services at the inception of any business relationships undertaken (contract review, etc.) rather than after the fact, when the relationship has already became contentious and litigation is looming upon the horizon. The Law Offices of Fuld & Karp, P.C. has created relationships with a network of law offices throughout the USA and Israel so as to enable us to meet your legal needs in either country. Tell us about recent successes. The Law Offices of Fuld & Karp, P.C. recently settled a case for a computer programmer (who resides in Israel) and who was not paid his license fees owed by a large software reseller. The defendant was located in NY. We recently settled a claim against one of the bigger Las Vegas hotels that “misplaced” our client’s luggage with his clothes and tefillin. Our client lives in Israel. As a result of our representation, the hotel compensated our client for the cost of a new pair of very mehudar tefillin, his clothing and his entire trip (airfare included). We negotiated a settlement, pre-suit, on behalf of grandparents who reside in the U.S. and who had purchased airline tickets in the U.S. for their children and grandchildren who reside in Israel, to come visit them. The reservations were messed up by the booking agent. Then, due to the travel agent’s poor customer service and non-responsiveness, a family of seven wound up stuck in an airport for eight hours. All connecting flights were thus missed resulting in a fiasco that lasted 30 hrs! The travel agency paid almost twice the value of the tickets to compensate the family for the misery inflicted upon them due to the agent’s irresponsibility and negligence. We have space for one more success story. Our client, an American born woman married an Israeli man here in Israel and also was civilly married in the U.S. She is now seeking to divorce her husband. We are coordinating efforts on both sides of the Atlantic to ensure that the divorce is handled correctly and she receives everything that she is entitled to. How does one reach AngloProtekzia? If people would like our assistance, feel free to e-mail me at: Moshe@AngloProtekzia.com. Please include a short summary of your issue and your contact info. You will receive a response within 48 hours of our receipt of your e-mail. Our office number is 08-995-3030. Initial consultations are always free.  BIZNESS MAGAZINE

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By Shalom (Steven) Fishhaut, CPA (US)

here are several U.S. tax reporting requirements resulting from a U.S. taxpayer’s relationship with foreign entities which are, unfortunately, often overlooked. Non-timely filing of the appropriate forms, which generally should be included with a person’s U.S. annual tax return or filed separately but due on the same date as the tax return, will expose the individual, corporation, partnership or estate and trust to the imposition of severe IRS tax penalties. For U.S. filers still on extension for the 2012 tax year, it’s crucial to review your status in regard to these items. Foreign Corporations (FC’s): There are several categories of U.S. persons who have an obligation to file IRS Form 5471. They include: • A U.S. person who acquires a 10% or greater interest (10% or more of the total value of the FC stock, or 10% or more of the total voting power on all classes of stock) in a FC during the tax year. • A U.S. person whose interest in the FC has increased during the tax year to 10% or more. • A U.S. person whose interest has increased by an additional 10% or whose interest has decreased below the 10% threshold. • A U.S. person who is an officer or director in such an FC during the tax year in which a U.S. person has acquired a 10% or greater interest in the FC or

an additional 10% or more of the outstanding stock of the FC. • A U.S. person who controls the FC while the FC is a “controlled foreign corporation” (CFC). A CFC is a foreign corporation in which five or less U.S. persons own over 50% of the FC’s voting stock or total value of the FC shares. Form 5471 contains several schedules which include both general information reporting on the FC and its shareholders and also financial reporting on the FC’s annual operations. A U.S. person may fall into one or more of these categories during the tax year and the schedules required by each category of filer will differ. The penalty for late filing of the annual Form 5471 is $10,000 and the person is subject to a reduction of 10% of the foreign taxes available for credit. Technically, if the filing was due for two reasons (thus requiring two different schedules), a $20,000 penalty may be imposed. Additional penalties may be imposed if the information is not filed within 90 days after the IRS has mailed a notice of failure to file such form. If the FC owns an interest in another FC, the U.S. person may have an obligation to file more than one 5471 Form and subsequently be exposed to a penalty of $10,000 for each 5471 Form not filed. For the past several years, the IRS has routinely imposed the $10,000 penalty on U.S. corporations which have not timely filed a 5471 Form. It is quite

Non-Filing

of Forms May Result in

$evere Penaltie$

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Bizness Magazine

difficult to convince the IRS to abate this penalty. In addition, Form 926 may be required to report on the transfer of over $100,000 to the FC or the transfer of cash to acquire a 10% or more interest (in share value or voting power) of a FC. The penalty for failure to file is equal to 10% of the fair market value of the property transferred but limited to $100,000. Because the U.S.-Israel treaty does not contain a totalization agreement in regard to social security payments, it is shocking for many to learn that a self-employed U.S. individual working and paying taxes in Israel may be subject to a U.S. self-employment tax. The U.S. self-employment tax cannot be reduced by payments made to Israel social security or by a foreign tax credit for income taxes paid to Israel. A well-known solution to this problem might entail the U.S. person to establish an Israeli company and become an employee of such a company. While this structure could eliminate the exposure to U.S. self-employment taxes, it may trigger a requirement for the U.S. individual to file Form 5471 and Form 926. He or she must be wary of the potential penalties for not timely filing this form. Foreign Partnerships Similar to the categories for U.S. owners of foreign corporations filing Form 5471, the IRS requires the completion of Form 8865 for U.S. persons in regard to their contributions / withdrawals from a foreign partnership or maintenance of a 10% or greater interest in a foreign partnership controlled by U.S. persons. In addition, contributions of over $100,000 or more during a 12-month period must also be reported on this form. The penalties for failure to file this form are also similar to the non-filing penalties with regard to the foreign corporation: $10,000 to start and 10% of the fair market value of the property transferred but limited to $100,000. Foreign Trusts and Receipt of Foreign Gifts A U.S person must report certain transactions with foreign trusts, such as in the case where a U.S. person is treated as the owner of any part of the assets of a foreign trust or where the U.S. person has received a distribution from a foreign trust during the current tax year.

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It is not uncommon for an investment partnership to liquidate under the terms of the original partnership agreement while still holding assets, such as shares, in promising portfolio companies. The partnership will often offer the limited partners an opportunity to contribute their share of the assets to a liquidating trust which will be managed by the fund advisors. If the trust is foreign, the U.S. LPâ&#x20AC;&#x2122;s will have an obligation to file Form 3520. It is important to note that although a trust may appear to be domestic, if a non-U.S. person has the authority to control all substantial decisions of the trust, it may be deemed to be a foreign trust. In addition, a U.S. person who received over $100,000 from a non-resident alien or foreign trust, must also file Form 3520. The penalties for failure to timely file this form are also severe: 35% of the gross value of any property transferred to a foreign trust; 35% of the gross value of distributions received from a foreign trust or 5% of the gross value of the portion of the trustâ&#x20AC;&#x2122;s assets treated as owned by the U.S. person. One should consult with oneâ&#x20AC;&#x2122;s tax advisor to verify if any exception may exist for filing these forms. In general, these onerous penalties can be abated if the taxpayer can demonstrate that the failure to comply was due to reasonable cause and not willful neglect. However, it is certainly preferable to be initially aware of oneâ&#x20AC;&#x2122;s possible filing obligations in regard to these foreign entities and not be impositioned with the burden or professional fees in an attempt to demonstrate reasonable cause. I may be reached at the WeiserMazars (Israel) Ltd. office 02-9922-212 or shalom@weisermazars.co.il. One can learn more about our firm at www.weisermazars.com. ď&#x20AC;ź IRS CIRCULAR 230 DISCLOSURE: To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal tax advice contained in this communication (including any attachments) is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein.

because

Egert & Cohen. Always by your side. t XXX FHFSUDPIFO DP JM t FHFSU!FHFSUDPIFO DP JM

will be open until the end of September Tel. 02- 9915836 Cell. 054-2604311 BIZNESS MAGAZINE

â&#x20AC;˘

Blum® – Making Order in the Kitchen By Miriam Goldshtein of KITCHENS Try to remember how many times you have said that a kitchen is nice, but… • There is no room for storage… • There is a need to organize the drawers; they are untidy… • There isn’t enough room for pots…the pot covers keep falling… • …The bottles and the containers have fallen behind the drawer. • The corner isn’t used and it isn’t comfortable. • We only looked at the outside and didn’t pay any attention to the inside planning. We all know how important comfort is and how effective work in the kitchen becomes when all of the various details, the kitchen tools, the frying pans and the pots are ready and organized in an accessible manner. Today, the world of kitchen design enables the building and establishment of a kitchen which is totally based on efficiency and comfort through the use of accessories for kitchen cabinets which can be installed in the framework of building a new kitchen or in the upgrading of an existing one. In general, kitchen fittings and especially fittings for the kitchen cabinets, enable one to efficiently regulate kitchen storage and put unused cabinets into motion thereby upgrading your kitchen in such a way that there is plenty of storage space and a feeling 38

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of orderliness. In addition, fittings for kitchen cabinets, which are made of stainless steel, keep their durability for many years. What else are you doing to maximize space in a small kitchen? One of the significant problems in the world of modern design is the problem of space. Nowadays, the world is more crowded and apartments are smaller. This is also true for kitchens. Cabinet fittings enable you to utilize every centimeter in the kitchen area available to you by optimizing cabinet depths and wall heights. Fittings can face any direction, be formed into any shape and placed at any angle. In this way, you gain new attractive corner cabinets with fittings that turn in a comfortable manner for the storage of all types of utensils. And this is just one example of the many advantages of utilizing Blum fittings. Bluran is a very professional and seasoned company in the field of functional furniture fittings. It imports its products to Israel from the best world companies. Blum of Austria is an international company specializing in the production of some of the world’s best furniture fittings. They are one of Bluran’s main suppliers. Blum’s Dynamic Space Perception enables planning, tidying and organizing kitchen interiors in an optimal manner, with exciting storage solutions. Fittings for kitchens and kitchen cabinets from Blum will enable you to enjoy a quality durable kitchen for many long years. KITCHENS Showroom: Tchelet Mordechai 1, Beit Shemesh | 02-624 3773 Hours: Sun-Thurs 10:30-13:30 17:30-21:30 

Bizness Magazine

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“…if that’ s needed, thwhat they were goin en we g utmost to to do our every one exceed client’s ne of our ed expectatio s and ns.”

Interview with

Nati Grossman of Villa Nova

How did you get started in construction? Growing up, I was always the kid who was fixing and building things. As I matured, so did my skills – until I was the one called on by friends and neighbors for all their construction needs. That blossomed and the idea for Villa Nova developed over the many years that my Villa Nova co-owner, Yosef Holz and I, spent working together for one of the larger construction companies. Do you deal in all markets and with all projects? We deal in all markets--private and commercial. We have renovated hotels, built private homes, redone apartments and even constructed commercial areas. Tell us about an interesting project you have completed. All people in construction tend to love a challenge. I am no different. A few months back, Villa Nova was asked to renovate a major hotel in Jerusalem. We were given a unique test: 1. Renovate all of the large, main areas of the hotel. 2. Do it all while the hotel is running, doing the maximum to keep the disturbance and dust to a minimum, and 3. Do what would normally be at least a month’s worth of work -- in a week! And just to “up the ante,” it was the week of Erev Pesach! The owners knew that Villa Nova holds itself to international levels of construction and customer service and that we would do our utmost to exceed every one of our client’s needs and expectations. So we kept our work localized and focused on minimized disruption by working through the night every day that week. The project turned out better than imagined. The owners couldn’t believe

it! And we had a great story to share during that welldeserved next week of Pesach vacation! What are some of the challenges facing people in today’s construction market? Finding the materials, level of construction and contractor who can understand the client’s vision and help them materialize that to perfection. Very often, either due to language barriers or just general barriers of experience, clients know intuitively what they want, but don’t have the “know-how” to turn that into the finished product of their expectations. Part of our customer service model is taking the time before we go to construction to make sure that we are equally as immersed and knowledgeable in that vision. What is unique about what Villa Nova brings to the market? Thankfully, there are a large number of Anglos now living in Israel. Even more than that, there are an equal number of Israelis who now know to appreciate an “American” standard of quality, materials, finish and customer service. That standard, thankfully, makes us very unique. However, added to that, is the duality we have, as “Israelis,” to interface fully with suppliers and make sure we get the best prices and materials for our clients. How should people contact you to discuss their project? We encourage people to call us for a free consultation. They can reach me, Nati Grossman, at 052-423-9580 or Yosef Holtz at 054-234-4063 — or either of us, anytime, via e-mail at villanovaltd@yahoo.com. We look forward to  hearing from your readers. BIZNESS MAGAZINE

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I Get my Clients Unstuck in a

60-Minute Session

Interview with

Binyamin Klempner, MSW, CEO/Founder Yad L’shuv What makes your work unique? My work combines brief, solution-focused, counseling and coaching with empathy. I consolidate clinical work to one 60+ minute session. I get my client’s unstuck. Whether it’s in shalom bayis, deciding on a parnassah or vocation, lack of motivation, anxiety or wherever the client is stuck, the bottom line is always the same — to get the client unstuck as quickly as possible so that they end up spending the least time and money possible. How do you manage to pack so much work into so little time? As an experienced social worker, I’m trained to listen and I have a therapeutic tool box full of all sorts of clinical tools. I listen to the subtleties of the client’s story, to the parts of the story they might not even be aware they’re telling me; then I pull out my tools and quickly get to work. Based on the client’s needs, I go to work developing an immediate usable action plan that they can use to pull themselves out of the mud, to start moving forward. Without hand-holding, it usually doesn’t take much more than an hour.

But what if the client needs ongoing therapy? All of my clients leave the session with a workable action plan. If after spending a few months working the action plan they find they’ve hit a snag, then I encourage them to come back for another session to tweak their action plan and get them back on track again. If the client feels that he or she would benefit from ongoing weekly therapy sessions, then, based on their circumstances, I refer them to the most appropriate “traditional” therapist for ongoing weekly sessions. This alleviates them of the need to go “therapist shopping.” How important is empathy in a 60+ minute clinical consultation session? Very important. Empathy is the element that makes the whole process work. Empathy, deep empathy, is what enables me to get to the core of the issues, understand those issues and construct a tailor-made action plan to get the client unstuck. What were some of the most interesting experiences you’ve ever had as a clinical consultant? Well, I did some work for a drug reha-

bilitation center in the “Little Haiti” district of downtown Miami. That was pretty interesting work. We had homeless drug addicts coming in off the street, some of whom hadn’t been clean and sober for years. It was exciting watching them reclaim their humanity. Then, there was the work I did for FastTrack, a jail diversion program for convicted felons with major mental illness. At FastTrack I gained a lot of experience working with paranoid schizophrenia and bi-polar disorder. The work I did at Brooklyn’s Interborough was also really interesting work. At the Interborough, I gained a great deal of experience working with various anxiety disorders and people who need help getting unstuck. What type of clients do you most enjoy working with? Clients who don’t make excuses for themselves. Clients who are serious about getting unstuck and moving ahead. Clients who are willing to follow through with the action plan they come out of the session with. What can your clients expect to take away from the session? First and foremost: Clarity. Clarity of what needs to be done to get out of their rut. Secondly, clients should expect to take away an action plan which consists of simple, individualized, action steps to take in order to get unstuck and move themselves forward in a positive direction. You keep using the word “stuck” and “unstuck.” What do those words mean? “Stuck” is when a person isn’t making the progress that they want to make. They’re trapped in a rut. They’re not getting out of life, marriage and child-raising what they really want. They’re lacking satisfaction. Of course, getting “unstuck” is getting out of the rut and back on track. An example of this is a couple who are not satisfied with their marriage. Usually though, they are not sure exactly what’s wrong. All they know is that their marriage in not what it could be or what they want it to be. My job is to get that marriage back on track. Back to where they’re both satisfied with the relationship. That’s just one of many possible examples. How do people go about to scheduling that promising 60-minute session? Go to GetOutoftheRut.weebly.com and click on the “schedule an appointment” tab or call 054-843-4730. 

Roger Hyman

No Compromise on Quality or Convenience

By Rouy Galanti, Co-owner of Home 4U

t seems as if internet lists have made the use of professional agents for real estate transactions unnecessary as the internet enables us to make an immediate connection between apartment owners and buyers.

So why do we recommend the use of Home 4U agents as mediators?

Costs: Selling an apartment is an expensive undertaking. The selling process appears simple when it is so easy to find buyers through the internet. But, without a professional to guide you, the process is filled with various costs that will fall on you as thunder on a clear day. The understanding of all of the possible costs at the beginning of the selling process, (as explained to you by professional Home 4U agents) will prevent unpleasant (and expensive) situations between the client who wishes to sell/rent and the buyer/renter. Negotiations Negotiations are a fundamental tool in every sale/purchase deal. You, as the seller, are interested in receiving the largest amount of money for your property as possible. On the other hand, the other side is trying to pay as little as possible. Every one values a property’s worth differently. Expertise in managing the negotiations is the best way to succeed in getting the highest possible price on your apartment and the one closest to the value that you place on it. Without conducting an effective negotiation, it is very possible that you will find that your apartment/house is lacking potential buyers because you are unable to convince them that it was worthwhile for them to pay the amount that you asked. In this field, it is a definite advantage for buyers and sellers to use agents rather than apartment lists. Professionalism and Experience The professionalism and experience that our agents bring with them is expressed not just by understanding the costs involved in the sale or purchase of an apartment but also in the knowledge on

Rouy Galanti

Yaakov Amsalem

Yehuda Asulin

how to manage negotiations. Our office is also an expert in exploring advertising and marketing horizons that will benefit you in the best way possible. Your real estate property will bring in a larger quantity of interested parties and a faster, higher quality sale. Through our knowledge of the real estate field in your area, our agent will know the best market to target and the best way to do so. In light of the accumulated knowledge that our office and team have, we are able to properly value the worth of your property-without the emotional considerations that most property owners have. Owners who choose especially high price tags for homes delay the sale for many months until they understand that it is necessary to lower the price in order to sell. But, even if property owners try to act without emotions, it is still necessary for them to review apartment and housing lists over and over again in order to establish how much their property is really worth. Our agents already know the value of your property and what changes would be beneficial in raising its worth. Convenience At the moment that you choose to use our services, all your worries regarding the sale/acquisition are no longer your problem. Our office does all the hard work -- beginning with finding the buyers/ sellers, sorting through them and marking the agreements. You do not need to do any of the hard work, only enjoy the results. The Home 4U offices are active in the field of marketing new and second-hand projects. The company is a leader in the field of negotiations, advice and managing real estate translations for residences including finding a residence for foreigners who wish to purchase real estate for residence or investment. Home 4U has set up goals and targets for itself for everything related to its agents’ behavior while strictly maintaining transparency, trustworthiness and professionalism. We respectfully support the organization’s ability to thinking outside the box while raising fast, varied and effective solutions. Rouy Galanti and Yaakov Amsalem, the owners, are significantly refreshing the office for the New Year. A special offer, which will truly benefit clients, is being planned. Every buyer or seller who turns to the office will receive a lawyer for the sale or the purchase of an apartment/house, on the account of the agent*. From the day that it was established until today, Home 4U focuses its activities on the city of Bet Shemesh and the surroundings areas including Ramat Bet Shemesh A and C, as well as the new areas of Ramat Bet Shemesh C and the area called “Mishkafayim.” A new branch will soon be inaugurated in Jerusalem, which will also cater to the outlying areas of Ramot, Pisgat Zeev, Tel Zion, etc. If you are looking for the perfect home, Home4U is the address. Please call Roger Hyman at 054-3154450. Office: 02-6232321 / 02-6232319 Fax: 02-537-4973 www.home4u.org.il  *Certain conditions apply. BIZNESS MAGAZINE

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“We are one of the largest distributors of Hanes and Fruit of the Loom – we also help other companies import their products” Interview with

Eli Freilich

from Famous Brands

Eli, tell us about your upbringing, studies and places you have lived? I was born to American parents who made aliya 40 years ago. I was brought up as an Israeli/American, fluent in both Hebrew and English. I attended an Israeli high school but yeshiva and college in N.Y. How did you get into the clothing import business? In 2007 I ran a franchise for a big U.S. company, Goldbug, which distributed and imported baby accessories from the U.S. and the Far East while developing and manufacturing its own line of accessories. Later on, we began receiving requests for baby clothing, especially “brand name” clothing. That’s when we started importing different brands for children such as: Carters, Children’s Place, Old Navy, etc. Before we turned around, there was a demand for an adult line of clothing as well. What products does Famous Brands sell? We are one of the largest distributors of Hanes and Fruit of the Loom products around the country. We purchase our inventory from the U.S., from large companies that deal with “closeouts”(over-stocked or cancelled orders from the .inventory of large department stores such as Macy’s, Wallmart, Target, and others). This actually gives us the opportunity to reduce prices and sell our products for half-price to the Israeli market which is very close to the price that one could find at sales in the U.S. but without the hassle of dealing with airline overweight charges. We sell Hanes and Fruit of the Loom -- premium, first quality, products. This includes undergarments for men, women and children, t-shirts, dress t-shirts and kids license t shirts such as Spiderman, Superman, etc. What are your distribution channels? We deal with both wholesale and retail. In addition, we are a supplier for large chains such as MEGA, Sheffa Shuk and others. One of our other successful sales channels is via popular internet selling sites such as Groupon, Buy 2 and others where we arrange daily deals for hundreds of customers. I understand you also provide an importing service for third parties. When did that start? We have been importing since 2007. We learned the hard way. It is not easy to import products to Israel. There is a lot of bureaucracy involved. This includes tests by the Israeli Standards Institute, customs, etc. It took us a year to learn the map and to know where to put our efforts and energy and what product was worthwhile and what was not. What specific services do you offer? Sourcing products, manufacturing products according to customer designs, importing from door to door (from factories door to customers’ warehouse) involving all testing regulation, shipping, customs, etc. and importing ready-made goods from around the globe. 42

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What are the advantages of contracting your services instead of doing it yourself? A business should focus on its strengths and what it is good at. If a company is looking for promotional items or if chain stores are looking for new items, we are there for them. We have the experience to do the importing; enabling them to focus on their own interests and develop their business without the technical and bureaucratic challenges that require professional expertise. We have had some customers who turned to us after they started the process alone and then got stuck and faced serious problems. But, with a big smile from us and with a lot of effort, the problems were solved. If it was done the right way in the first place, a lot of aggravation could have been avoided. Who are your clients and who can benefit from this service? Customers approach us with different business ventures. There are companies looking for promotional products and wholesalers who need specific items to distribute. There are chain stores, schools, organizations and internet selling sites that need different items in large quantities. Who benefits? Any corporation that needs the production of large quantities from abroad without the hassles. We are the address. How do you see your American/Israeli background as being an advantage to your clients? I would say both sweet and sour. My being an Israeli from birth enables me to understand the Israeli mentality and function in the day-to-day Israeli business world dealing with Israeli authorities and business life. The sweet side of also being an American i s appreciating the importance of good customer service which makes it more practical and pleasant to do business. When you combine Israeli know-how with the American customer smile, you can go the extra mile. What’s the best way to contact you for either of your companies? You can e-mail me at: sales@famousbrands.co.il or call the office to schedule an appointment at: 073-7426900/ 073-7299666 or visit our showroom that is located in the Sun Center in Bet Shemesh at 26 Yigal Alon Blvd. in the industrial area. Our hours are: 9:30-15:30. You can also visit us on our website at: WWW. FAMOUSBRANDS.CO.IL. 

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Have you ever had this conversation? “My friend went to this therapy, Cranial something… She touches you here, there and it works…” What is Craniosacral Therapy (CST)? CST is an extremely versatile therapy. It is a quintessential mind-body therapy using a gentle therapeutic touch. Through this work, the therapist can identify and resolve patterns of tension or strain (also referred to as “restrictions”) in the tissues of the body that are holding emotional or traumatic stress the person has experienced. This traumatic experience can go far back into childhood and set up negative behavior patterns and attitudes in a person which persist throughout a lifetime. When the stress pattern or restriction is resolved, the person experiences relief from the blockages that were in the way of his personal growth. Donna, will you give us some examples on how you have helped people? Baby Naftali arrived in my office the first time. He was an underweight two-month old. His tongue was retracted and he was unable to nurse. Furthermore, he was aspirating formula into his lungs. The doctor put him on oxygen because he was not breathing properly. The baby also had a problem that weakened his breathing muscles. I began stabilizing, then mobilizing his nervous system so that there would be a stronger flow of energy in his body. Over the next several sessions I worked on the muscles of his mouth and throat to free up his ability to suck and swallow. The doctors expressed doubt regarding the baby’s normal development. Today, at ten months, baby Naftali is eating well, breathing perfectly, no longer on oxygen and developing consistent with his age. The doctor was surprised. His only comment was, “Whatever you’re doing keep on doing it.” Donna applies her knowledge and ability to a wide range of issues. One of her specialties is women’s issues that arise in relation to fertility, pregnancy, birth and the post-partum period. Typical issues that are dealt with are: Back pain or sciatica, depression or emotional blockage; fear of labor, fear of getting pregnant or even fear of becoming a mother. You mentioned that you work to release emotional blockages that are interfering with fertility among other issues. Could you give us an example? Naomi was a mother who lost a baby at term. For four years afterwards she could not get pregnant. Finally, a friend sent her to me. All the hormonal tests were fine. After a few sessions, Naomi got in touch with the sadness and anger she felt at the baby’s death. She was shocked to realize that she was actually angry at the baby, although rationally she knew that was ridiculous. Through her sessions

with me she discovered and resolved the negative feelings and became pregnant almost immediately. Her body had released the emotional blockage which prevented her from conceiving. CST can often solve developmental delays. A 15-month old baby was so weak that she could barely crawl when she was brought in. She was subsisting on a non-allergenic formula because she wouldn’t eat. She was frighteningly thin and weak. After the first treatment, Donna tested to ascertain which foods she could tolerate. The mother was encouraged to begin feeding her. There were several treatments given in order to balance her system. The child became ravenous. She began to gain until she achieved normal weight. She began crawling and standing up and her overall development normalized. A Craniosacral therapist for 17 years, Donna Abraham, works with adults, children and babies. She has also studied other holistic modalities including Chinese medicine, Somatic Experiencing, Kinesiology, and Nutrition. She has studied pediatric Craniosacral work and Somato-emotional release work (CST). Craniosacral therapy can be applied to any physical strain in the body as well. Parents often bring in children who are unsettled or not concentrating in school. The gentle release of the membrane system around the brain or spine or the release of tissues where there is compression on a vertebra or around an internal organ can solve mysterious, unsettled behavior as nothing else can. The “tummy ache” that many children complain of, is often general discomfort that translates itself into negative behavior or learning problems. With CST, Donna is often able to discover and resolve problems for her clients after conventional medical approaches have been tried unsuccessfully. Through a gentle therapeutic touch and profound knowledge of the workings of the interface of mind, body and spirit, Donna is able to address and resolve a wide variety of problems. Donna Abraham offers courses in Craniosacral therapy and lectures on related topics. She has lectured and taught in Israel and London, where she worked for several years. In October, Donna will be giving a lecture at “Bishvilaych” in Jerusalem on the “Applications of Craniosacral Therapy for Babies” for lactation consultants and others. Another 1st level CST course is opening soon in Jerusalem. For information or to make an appointment, please call Donna Abraham at: 054-648-0667 or at her office #: 054-536-0667. Her e-mail address is: donna_abraham@yahoo.com and her website can be found at: craniodonna.wordpress.com 

Wisdom in the Body:

Craniosacral Therapy An Explanation by

Donna Abraham, CST Practitioner

BIZNESS MAGAZINE

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Interview with David and Tzipora Shrem, owners of the (previously “Ba-Lagan”) art-and-craft and toy store located under the Zol b’Shefa supermarket in Ramat Bet Shemesh

Yetzira B’rama

By Helena Topf Where are you from? We are from Brazil. We made aliyah about 20 years ago. We lived in Har Nof and moved to Ramat Bet Shemesh nine years ago. Tell us about the establishment of Yetzira B’rama / Ba-Lagan. Initially, the store was called Ba-Lagan. It catered to school teachers and offer art-and-craft supplies and for us to work part time. We soon discovered that there was also a need in the general public for art supplies. With our expansion into the general market we decided the name Yetzira B’rama was more descriptive of what we offer. What can you find at Yetzira B’rama? At Yetzira B’rama you can find everything you need for arts-andcrafts -- from school supplies to professional artists’ needs. There are over 350 items in stock!! We also carry a huge selection of kodesh embroidery sets. We carry art books and technique manuals for all levels. We have the best quality products at the best prices and provide the best customer service. You can find a large selection of office supplies here as well. We also have an extensive selection of quality board games We carry original brands and also the more affordable types. You can find versions of all kinds of famous games such as Stratego, Reversi, Checkers and others– perfect for keeping the whole family busy over the chagim! Tell me about some of the name brands that you carry in your arts and crafts section. We carry the best brands in the industry from Holland, England and China. including: Deco Art, Americana, Canson, Royal, DMC, Faber Castel, Oil color Grumbach, Newton & Winton, Georgian and Van Gogh. We have market-exclusivity on some products. Tzipora, tell us about your personal connection to arts. Are there

any artists in your family? My grandfather was a well-known artist specializing in bronze plates’ techniques. My mother had a jewelry store in Brazil and a factory of decorated candles as well as a printing shop. I have been surrounded by art all my life. I think that’s why I can give customers the best professional advice on every technique and product available. I like to consider myself a perfectionist. Why did you choose a location under the Zol b’Shefa supermarket? The rent is very high at street level. This way I can save on rent and pass on the savings to the consumer by having the best prices. Customers tell us that there is no need for them to travel to Jerusalem any more to get quality art supplies. Do you offer free delivery? Yes, for purchases over 200 NIS in the Bet Shemesh area. People and schools in Jerusalem call for quotes and they discover the great savings. We deliver to Jerusalem for a flat fee of 30 NIS. What are your plans for the future? Next year, we will be carrying everything you need for school including schoolbooks. In the long term, we want to own the largest art supply store in the city. I dream of having a huge store with many artists walking and selecting the world’s best products from our aisles. Do you carry specialty products for the chagim? We just invested in a quality line of decorations for the chagim. We have special stickers and decoration kits for Rosh Hashana and Sukkot for all levels. Prices start at 1.5 NIS!!! Do you have a discount card? Yes, and it is free. Discounts start at 3% and can get to as high as 10%, according to the purchase amount. Furthermore, we are having a special sale until Rosh Hashanah on all our Summer stock including infant tricycles, beach ball, sand games, kites and frisbees, some with up to 40% discount. We really recommend you all come check it out so you don’t miss these special offers! What are your hours and your contact information? Yetzira B’rama is open from 9:30 a.m. to 9:30 p.m. Address: Nachal Sorek 31 (under Shefa Shuk, next to Carmit Shoes). Tel. 052-764-0215 or (02) 802-0100 Fax: (02) 800-1010. e-mail: ba_lagan@hotmail.com 

———Remember we deliver to Jerusalem!———

“I dream of having a huge store with many artists walking and selecting the world’s best products from our aisles.” Yetzira B’rama (“Ba-Lagan”)

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Bizness Magazine

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n o i t a c i n u m Com d a o r b A r o f Solutions Tell us a little about your Special Phone. Our company offers cell phones, SIM cards and calling cards for rental when traveling abroad plus a wide variety of other advanced communications solutions. Our motto is, “To be far and to feel close.” Why shouldn’t I take the cell phone that I already have when I go abroad? Facts prove that the calls from abroad via Israeli companies (without using a special reduced plan) cost between 13-25 shekels per minute. There is also a similar charge on incoming calls. How are your company’s offers different from other programs? Reduced cost packages are often just

for calls to Israel and not for calls inside the country you are visiting or just for calls inside the country that you are visiting but not for calls to Israel. There are also those companies which offer both but which limit your minutes. If you exceed the limit, then each extra minute is very dear. Our plan offers calls to the U.S., Canada and England with no call limit. You pay in advance so that you know right from the beginning what your final costs will be. Why shouldn’t I buy or rent in the U.S.? Because on landing you are immediately able to contact family and friends. In what countries do you operate? The whole world. But our best rates

Interview with

Yosef Leifer

from Special Phone are for the U.S., Canada and Europe. What do you have to offer in the way of calling cards for abroad? We sell special high quality calling cards at a good price which are accessed through a special phone number. How does one find you? We have two branches—one in Bet Shemesh and one in Jerusalem. For your convenience and for a small extra charge, we also provide a messenger service straight to your home to bring you your order or to return our phone to us after your trip. How can we contact you? By telephone at: 072-258-6586 or by e-mail at: a0722586586@gmail.com or by sending a fax to: 072-216-2770. 

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Over 20 years experience We wish you a ğĲĠĵĩĠ ğĜĠģ ğīĴ MEN & CHILDREN Call for In-Home Service We do not shave with razors Hours: Sun-Thurs: 8:00 - 19:00 Fri (Summer): 8:00 - 15:00 Fri (Winter): 8:00 - 14:00 Keren Kayemet 29, Jerusalem (02) 563 9133 (054) 7224533

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Interview with

Uriel Gershman from Ohev Et HaMelacha

Why did you call your business “Ohev Et HaMelacha (Loving the Work)?” It was important for me to express my tie with what I do; to say that my work is not only a means to earn money but also an expression of the artist’s soul. What is your background? I was born in the city of Leningrad in the USSR to a family with a deep Jewish identity. I learned to love handicrafts in high school where my teacher instilled in me a love for working with my hands. I made aliyah to Israel in 1992 and went to learn in a yeshiva. In 1999, I was married and continued learning in a kollel. At this time I began doing repairs for both a livelihood and for pleasure. Where did you learn the carpentry trade? Eight years ago I studied carpentry at the Birkat Rivka school in Moza. I then worked at “Novo Kitchens” filling a number of posi-

How do you select materials? I love working with the best materials--the boards, metal accessories, doors, etc. But the practice of doubling or tripling the price in order to make money prevents clients from ordering the very best. I say that clients should only pay for costs. I want to earn from my work and not from commerce. I want to be able to peacefully plan the work as well as install it. This would be impossible if I was too busy running a factory. That’s why I order all of the materials that I need from a big factory, already cut, with molding glued with high quality and very expensive machines. When everything is ready, I hire space in a carpentry shop for a week and within that time I assemble everything calmly and I do special things that the factory doesn’t do. (Of course the cost of renting is not cheap, but it is worthwhile.) Without the pressure of running a business, I am also free to finish work up until the last detail -- for my self-satisfaction and for that of the client. How about counters? I do not get involve with marble counters. I only worry about leveling the closets. After I learned how to install Formica counters so that there wouldn’t be any leakage, I now recommend Formica counters to my clients. How much money can people save by working with your system? Kitchens that run up to 25,000 shekels are similar in price to those of regular carpentry shops but for more expensive kitchens, there are great exponential savings. How long does it take to make a kitchen? From the moment that the planning stage is completed, three weeks. But I take an additional week for unexpected incidents. Who is your typical client? Whoever wants a kitchen that lasts for many years, whoever values quality work, whoever feels it is important to them to know what their money goes for and whoever is looking for special, complex work. Which areas do you serve? Despite the fact that I have worked both in Jerusalem and in Gush Dan, I prefer to work in the Bet Shemesh area and Modiin. How can people contact you for questions for an initial consultation? They can call my cell phone at: 057-316-0799 and leave a message. I will get back to them when I am free or they can write to me at: OhevEtHaMelacha@gmail.com. 

“After being part of making 50 kitchens a month, I say that clients should only pay for costs. I want to earn from my work and not from commerce.”

tions. The rest of my knowledge was gained from reading carpentry books, DVD’s, independent work and from carpenters from whom I rented space. Why do you specialize in kitchens? Because of the tremendous experience that I gained working at “Novo Kitchens” where we created over 50 kitchens a month and because, as an artist, it is important that my work be valued. A kitchen is given great importance. Every family member uses it every day and some all day long. Attention is paid to details such as beauty, efficiency, the use of space and the quality of the finishing. What do you bring to the market that is unique? Today, skilled carpenters are turned into merchants. I try as much as possible to return to being an artist whose main job is to produce a perfect product. A merchant is forced into doing many things but an artist works at his own pace from free will. 46

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Bizness Magazine

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Interview with Rafi Tuviana, sales & service manager of Mall 4 PC When was Mall 4 PC founded? The PC Mall company (Kanyon LeMachshev) was founded in 1998 with the aim of supplying a wide variety of computer services to our clients. What areas do you specialize on? In the framework of our activities, the company specializes in the following main areas: • Deployment and the establishment of a communication infrastructure. • Installation of closed circuit security cameras. • Sale of computers and peripheral equipment to businesses and institutions. • An advanced service lab for all types of computers and servers. • Support and maintenance services for a wide variety of businesses. • Sale of cash registers, time clocks and servers. How do you deal with small and large clients’ different type of needs? Our company has two divisions. • The Private Company Division, made up of lab technicians and salesmen, who take care of all of the computer hardware and software needs and problem-solving for private clients. • The Business Department, made up of networks and systems with the authorization of the MCSE of Microsoft. These pro50

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AUGUST 2013

fessionals support and service SMB organizations up to 300 users. What type of servers do you support? We offer support and maintenance for the following types of servers: EXECHANG 2003/2007; SBS 2003/2008; SERVER 2003/2008; TERMINAL SERVERS, SQL 2000/2005/2008. What operating systems do you service? We provide support for all operating systems in the market such as WIN XP, WIN VISTA, MAC 0S X, WIN 7. What is your goal? Our goal is to provide widespread solutions beginning with basic communications infrastructure through servers up until allocation stations, as well as information security, information accessibility (distance connections) and network dynamics. Where is your client base? Most of our client base is in Bet Shemesh and the surrounding areas but we serve a variety of clients in cities such as Jerusalem, Ashdod, Tel Aviv, etc. What type of businesses to you cater to? All types, small and big. Among our various clients there are also institutional such as schools, municipalities and the city of Bet Shemesh. Any clients we would recognize? Many: The Education, the Welfare, the Psychological and the Engineering Departments of the City of Bet Shemesh; the Office of the Mayor (Bet Shemesh City Hall); the Municiaplity of Mateh Yehudah; Telgaz; the Begin, Levi Eshkol, Harel and Hartuv schools; Buchwalter; B.M.I.; Top Nile; City Shop; Keren Shemesh; and many more. What’s your contact information? Our office number is 02-9998990, email rafi@fast-net.info and we are located at Rechov Hauman 1 in the Bet Shemesh northern industrial area. 

Bizness Magazine

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“We are not the cheapest garage in town but we provide a very professional service combined with a high level of reliability.”

Bizness Magazine interviews Adam Nissan from Musach Hatzomet, one of the most trusted car garages in Bet Shemesh. When did Musach Hatzomet open its doors? Did it start as big as it is today? The garage opened its doors in the year 1979 at Tzomet Shimshon, inside the Sonol gas station in a small shack. The Tzomet garage began doing electrical work on cars and served as a center for car accessories. After studying and receiving diplomas and certificates, additional departments were gradually opened. Today, after many years of study and training, the Tzomet garage offers all of the services that can be offered for light vehicles to light freight vehicles under one roof. 52

• AUGUST 2013

In the year 1984, we opened up a big garage in the northern industrial area on Sd. Yigal Allon, Bet Shemesh where we are still located today. Who founded the garage? The garage was founded by Yosi and Avi Nissan who have lived in Bet Shemesh since the year 1950. They were among the first residents of Bet Shemesh from the days when the town was a small ma’abara with ten families. Who runs the place now? Owners Yosi and Avi Nissan are still found daily at the garage ensuring that the

Bizness Magazine

repairs and the service remain at the highest levels. But the ones actually operating the garage on site are Arik and Adam Nisan, the second generation in the business. They ensure that the service level and the level of repairs stay high. What type of services do you currently offer? Today we offer all of the necessary service for cars under one roof: • Mechanics • Electricity • Fixing engine computers • Air conditioning • Body work and oven baked paint • Working agreements with the various insurance companies • Tires: Sales and repairs • Tuning • Glass replacement and repairs • Exhausts and emission systems • Radiators • Alarms and car accessories • 3-D Front wheel alignment (one of the few in this country) • Periodic check-ups • Preparing cars for car tests • Computerized testing for all types of vehicles plus complicated computerized diagnostics • Checking out cars before purchases You have seen Bet Shemesh’s substantial growth in the last 20 years, what have been the best years for the business? Every year has been a good year for the business. It all depends on how you manage the business. On the other hand, there is no doubt that in the last few years many additional residents have moved to Bet Shemesh and with the addition of Ramat Bet Shemesh, the number of clients and the volume of work has significantly grown. I think that for businesses in the city, the last ten years have been the best years that ever were. You have been in this business for so many years, probably through ups and downs; to what do you attribute your long term success? Every year has its ups and downs but it is very important to stay on the path on which you were educated and raised— especially in the field of garages as this field has a negative image. I think that we have succeeded in keeping our good name over the years as a trustworthy and honest garage. There are many incidents where clients come to us after another garage has

02 999 3939

recommended that they change a part and we find that the problem is different and we solve it without changing parts. The secret is to be straight and trustworthy. I have no problem revealing the secret as it is a part of one’s DNA as a human being. If you are not honest, it doesn’t matter how much your try. You will not be able to succeed in the long run. If you stick to the values on which you were educated and continue to service the clients with the same high standards, while keeping the level of trust high, this is a recipe for success. How do the veterans of Bet Shemesh take this “avalanche” of new Anglo olim? I think that the majority of old Bet Shemesh residents, and I am among them, are happy with the arrival of the new immigrants because they are a population that strengthens Bet Shemesh economically, socially and culturally. They are a population with a high socio-economic level and they contribute to the city. Everyone must find the common denominator in order to live together in harmony and peace without anyone hurting the other’s way of life. You have serious competitors in town, why do your customers come to you? There is serious competition in every field and discipline in Israel and the world. The majority of garages in this city are run by former employees of ours and we are not jealous of them. On the other hand, our clients are savvy and they know where to “leave” their money. I will now say something that is not so politically correct. We are not the cheapest garage in town. But we provide a very professional service combined with a high level of reliability. Our clients know how to value this. A low price should not determine who ought to take care of your car. The proof of this is the large number of customers who have stopped traveling to licensed garages in other cities and have started bringing their cars to us. On the other hand, one can see that we are the only garage in town which has an exclusive agreement with the insurance companies to fix cars after an accident. This is our best certificate and third-party testimonial. What plans do you have for the future?

Our future plans include opening up a driving school and an up market showroom for buying and selling cars, a place where people will be able to comfortably buy, sell or trade their vehicles. This requires certificates of approval from the Israeli Transportation Ministry. We are diligently working on this. I want to take this opportunity to wish a Happy Holiday and a Happy New Year to all of the residents of Bet Shemesh and of the neighboring areas and to all of Israel. Yigal Alon St. 24, Bet Shemesh Industrial Area, Tel. 02-991 6520. 

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Roz Lyons The new year brings new training and career opportunities for English-speakers in Ramat Bet Shemesh and beyond, with the opening of ACT, a new adult education and training center in the neighborhood.

CT, which stands for Adult Career Training, has been set up to help men and women of all ages in Ramat Bet Shemesh (RBS) who want to learn new skills to equip themselves to enter Israel’s competitive labor market. ACT will also offer a business Hebrew ulpan to help those who only speak basic Ivrit improve their language skills for the workplace. The program will be officially launched on September 10th, with courses commencing after the chagim. ACT is partnering with the Jerusalem Academic Center -- Lander Institute’s English Division of Continuing Education, one of the most highly respected Israeli institutes of higher education, and the LEAP Placement Agency, whose expertise will assist ACT students in finding jobs at the end of their course.

Time to ACT &

Rabbi Avi Lipman with David Scott planning ACT’s course schedule.

Dalia Finkelstein

Boost your career

Rabbi Avi Lipman made aliyah from New York in 2008 and is the principal of the Ohr Moshe Yeshiva High School in Ramat Bet Shemesh. He recognized a need to help Anglo olim retrain in relevant job markets through local training courses in English. “It is part of my aliyah dream to help other new immigrants to succeed and stay in Israel,” says Avi. “I met many people in the neighborhood who were finding it hard to find work and who were not in a position to sign up for a three-year degree program. This gave me the idea to set up ACT which would offer vocational training courses in English in order to help plug the skills gap for olim of all ages and backgrounds. Together with our visionary partner John Benporath from Montrose Change, we have invested in equipping the classrooms to create a state-of-the-art training facility.” The administrator of ACT, David Scott, is from London, England and has lived in RBS for almost five years. His background is in education with a specialization in further education and lifelong learning. He is therefore uniquely qualified to advise people on their choice of courses. “We are excited to be putting together a range of courses which are designed to meet the specific needs of the local community and which we hope will be accessible and convenient for all,” says David. All ACT courses and ulpan classes will be offered in Ramat Bet Shemesh separately for men and women and on different evenings and mornings. The first courses will start in October 2013 and will include graphic design, web design, Microsoft certificate courses, technical writing, marketing communications and on-line marketing skills. Additional courses will be added in January 2014. Experienced trainers and skills course providers interested in partnering with ACT and sharing their facilities should get in touch. Those courses taught by accredited Lander Institute instructors are recognized for reimbursement from Misrad HaKlita for olim who fulfill their criteria. This means that students can apply for funding for vocational training courses through the local offices of the Absorption Ministry and, depending on their entitlement and their sal klitah, they can recover some or all of the costs of their courses. ACT and Lander will provide the necessary paperwork and guide them through the process, although they cannot guarantee the results! Rabbi Matthew Mintz, director of the English Division of Continuing Education at the Lander Institute in Jerusalem, says: “We are excited to launch a local facility offering a broad range of careerenhancing courses for Anglo olim in Ramat Bet Shemesh. We look forward to developing this exciting partnership with ACT.” Orly Rosenfeld, founder and managing director of the Leap Placement Agency, says, “I founded LEAP to help olim chadashim and returning citizens find jobs in their native language in Israel and we are proud to partner with ACT to help their students to find work, offering free career counselling sessions as well as resume writing, interview and job preparation courses to Anglos in Ramat Bet Shemesh.” Towards the end of each course will be seven sessions with LEAP experts on resume writing, interview skills, an introduction to the Israeli job market and useful advice for job hunting. There will be an official ACT launch event and information evening on Monday September 10, which potential students are invited to attend. For further information about ACT, please visit www.TrainingIsrael.com. Students can register their interest in courses with David Scott via e-mail (Info@TrainingIsrael.com) or by calling 073-751-1500. 

Announcing the arrival of an exciting new resource for continuing education and career development in Ramat Beit Shemesh:

in cooperation with the

Jerusalem Academic Center - Lander Institute Offering Israeli-accredited training courses in: Graphic Design* Web Design* Technical Writing & MarCom* Online Marketing* Microsoft Certificate Courses* Real Estate License Preparation Interior Design Fundraising & Grantwriting Digital Photography Programming Languages PLUSâ&#x20AC;Ś Evening Ulpan with Workplace Hebrew option

*Commencing October 2013. All courses offered subject to demand.

Separate Courses at different times for Men & Women Expert Lecturers

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Lander Instituteâ&#x20AC;&#x2122;s Employable Skills Courses recognized for

reimbursement from Misrad HaKlita for qualifying Olim | 1st Semester starts after the Chagim | 2nd Semester from January 2014 | Central locations in RBS Aleph Courses include FREE Career Assessment Sessions and Job Preparation Courses provided by the LEAP Placement Agency.

Save the Date! Opening Event September 10

www.TrainingIsrael.com For more information, contact David at 073-751-1500 or email Info@TrainingIsrael.com

Interview with

Shimon Navaro, founder of I Media 1

Another Successful Israeli Start Up is Launched – New Digital Stands – A powerful opportunity to leverage money for the small investor What is I Media 1? I Media 1 Ltd. is a company that coordinates the activities of economic leaders in Israel and overseas a number of other companies under its control in the areas of investments and advertising. Who are the members of the team and what does each one bring to the table? Our company’s doors opened in 2011 with the unification of two companies under the ownership of Shimon Navaro and Matti Ben David. Additional partners later increased the company’s strength and overall ability. Shimon Navaro is an experienced and successful businessman with investments in Real Estate , banking, the diamond industry, and others, in Israel and abroad.. Matti Ben David is a leading professional systems manager in the marketing and advertising sectors. The accounting department for the project is headed by the Offices of Ruchama Salmon. An additional advisor is Eitan Dubkin, manager of the Hareidi branch of the Habezpar Advertising school. What is population-based targeted marketing? Many business owners and service providers are still advertising in a wide variety of media aimed at the general public rather than focusing on a specific target group thereby wasting significant resources by reaching people outside of their target audience who do not have an interest in their offerings. The idea of subdividing the target audience into sectors and targeting specific advertising and marketing areas has been adopted by leading businesses and service providers around the world who want their products to directly reach their potential clients. Today, savvy marketing managers and company 58

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directors understand the need to focus their messages on the relevant client. Tell us about your advertising and digital marketing plans. We have a vision to build a bridge between the current status of no internet usage and the so needed digital services that are good and permissible. Digital marketing is promoting products and services through various advertising screens, digital stands, approved internet servers, marketing tablets and digital display windows. This exposes the client to constantly changing, refreshing, new advertising material. Until now, this has not been developed in the Hareidi sector. This is where I Media 1 is positioning itself. Our goal is to use this ability, strength and ties to become the first and exclusive company to penetrate the Hareidi market and then continue to advance on to the general market. All this is to be done only with the approval and supervision of the Rabbinical Committee on Media Matters. Who is IQ Finance? Q Finance was established by a group of solid business owners and investors with vast experience in their areas of expertise. Their goal is to leverage their knowledge and experience for groups of small private investors. They will be utilizing the concept of “crowd funding” to offer the small investor the opportunity to participate in the field of large investments based on large “buying power,” with collateral and leverage for a financial opportunity that only very large groups and corporations have traditionally been able to capitalize on. Q Finance is duplicating the successful method of stock market investing in the management of leading companies through the internet. This online medium allows

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the acquisition by investors -- without incurring the high cost of client face-to-face meetings. This makes the recruitment of large numbers of small capital investors cost effective. Companies such as Wellington (which raised 12 trillion dollars) and Levengrad Corporation (which acquired 20 million clients) utilize these methods. Q Finance is an expert at finding and analyzing proper investment opportunities, such as start-ups in the medical and biomedical fields, Israeli patents of different kinds, real estate investments, land development, investment funds and many others. This expertise is being put to work to meet the needs of the Hareidi sector in a wide range of investment horizons from the most solid and conservative to start-up opportunities. Every venture is undertaken with an emphasis on the compatibility between the investor and the needs of the investment. Q Finance acts in concert with the leading investment house, Alpha Platinum, through understanding the chances vs. the risks and the understanding of collateral, financial engineering and leverage power. We bring partners such as Alpha Platinum for opportunities to small investors in Israel, emphasizing professional investment management, responsibility and innovation in a variety of investment horizons in Israel and abroad. The company has over 18 years of experience in mutual fund management in Israeli money markets. What type of financial opportunity is I Media 1 offering at this time? Why is it such a great opportunity? The company has a number of successful investments. We are very excited to announce a new investment opportunity that capitalizes on current market trends that will produce a

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significant passive return to participating investors. I’m referring to investing in concessions of digital stands. What are digital stands? Digital stands are self-contained devices similar to automated bank machines. What are the services offered at the digital stands? Bill payments for arnona, parking tickets, gas and electric companies, water, and more. People will be able to make donations to charity organizations, cash and credit card transfers to banks, purchase calling cards, carry out transfers abroad and withdraw cash. Where will the stands be located and how will their usage be promoted? The digital stands are placed in key street locations. They will be publicized through the gabbaim of the community at over 140 kehillot, through Tzedakah organizations and Hareidi publications. Who executes the digital stand transactions? The project is executed through PayPoint clearing house, a management company with advanced world technology. The company is traded on the stock market and has 3,500 stands spread out throughout Russia. What’s the minimum investment to participate? With an investment of 50,000 shekels, you join a group project. Each project is made of 25 digital stands. According to our carefully crafted business plan, investors may receive a return of up to 15%-25% on their investment payable on a monthly basis. These amounts have been calculated according to a business plan approved by advisors and leaders in the sector, as well as with research on controlled focus groups in order to cautiously forecast the use of the digital stands. Has this opportunity been successful in other markets? Yes. We have partnered with PayPoint to reproduce their success in Russia, where they operate 3,500 digital stands equipped with 300 applications. The applications are engines for income resulting from users making payments and utilizing services at the stands. Who are the potential investors in this opportunity? Avreichim (the money works while you study), any investors, and a public interested in leveraging their money and earning a passive income. Why the Hareidi market?

35% of this public likes to use cash. Many do not have any access to the internet or to a smart phone. This audience is used to walking on the streets, traveling on busses, making a 24/6 digital stand a convenient resource. What is it similar to? An investment which leverages your money producing a beautiful return. It appears as if you own a bank earning profits from every transaction. The investor has no need to do anything, only check the reports and get his investment back. The business plan is very detailed and comprehensive. The investor makes a percentage of all income generated by his digital stands. What talents do you need? None. Only a monetary investment is required to participate. The company takes care of everything else – including digital stands location and placement, technical aspects, marketing, business strategic alliances, supervision and service. There is no need to do anything. It’s a total passive investment. How do you grow the business? Advisors and business people have been involved in the project for a number of years. We will develop a successful model here based on the model that worked so successfully in Russia. How about competition? The faster we enter the market and get there first, the better. That is why we are now recruiting funds for the purchase of stands as quickly as possible. The digital market is expanding rapidly. Timing is everything. The opportunity is now. How do the digital stands make you money and how do you receive your share? The digital stands create income in a number of ways: 1. Through the use of the applications and payments. 2. Through advertisements on the screen placed by the businesses in the nearby area and companies interested in exposure in the area where the digital stands are placed. 3. Through the centralized purchases for the communities in the area. 4. Cashing checks. The money is transferred quarterly to the bank account of every investor accompanied by a detailed financial report. So there is a possibility for a completely passive income?

The income is passive and there is no need to work in order to earn the yield. How much can you invest? You can begin with 50,000 shekels for a share in one group project. It is possible to invest in a number of projects. People can also invest in a number of other investments offered by Alpha Platinum investment house, where you can also begin with an investment of 50,000 shekels in equity funds and other vehicles. What are the plans for the future? We are planning to offer 100 applications in the stands by the end of 2014 and place 1,000 machines before 2015. Can one get help with the financing of the investment? The sum of 50,000 shekels is relatively not large and many who want to leverage their money can afford it, even through a loan at the bank. There is also the possibility of receiving financial aid for the financing of 10,000 shekels through a bank loan of 18 payments without interest. What information is available to the investor? A detailed business plan prepared by a certified public accountant is available at our office for interested parties. Visitors to our office will certainly be impressed after meeting our qualified staff. Is there Rabbinical approval for this project? The digital stands, its applications and all investments mentioned are approved and supervised by the Rabbinical Kashrut Committee on Matters of Communication, headed by Rabbi Chaim Lang, shlita and the Economic Halacha Council, headed by Rabbi Aryeh Dvir, shlitah. There is a Hechsher and supervision. How can interested parties contact you? Call us at 050-541-8282, 054-841-8282, 0722-427-427. Or by mail at office@imedia1.co.il We are located in Har Hozvim, Jerusalem and we will be happy to invite you to our offices.  The views expressed here are those of the interviewed and do not necessarily represent the views of Bizness Magazine..Bizness Magazine does not endorse, directly or by implication, any products or services advertised or offered within its pages. It is suggested that prospective business people and all readers consult their attorneys and/or financial advisors before applying any of the information that is publish in this magazine. BIZNESS MAGAZINE

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