Bizness Magazine January 2019

THE RESOURCE FOR THE ANGLO COMMUNITY

www.biznessmagazine.com JANUARY 2019

CAPITAL MOTORS THE RIGHT WAY TO BUY NEW CARS WITH NO DOWN PAYMENT Interview with CEO and Owner Almog Saadon

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Home Almog Saadon Capital Motors A Brand New car Without Breaking the Bank: An Interview with CEO Almog Saadon

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Rosenblum Holtzman CPA Managing Your Finances the Smart Way: Interview with Shmuel Rosenblum

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Dr. Gil Garalnick BChd All for the Smile: Interview with Dr. Gil Garalnick

26 Moshe Wilshinsky Moville Mortgage & Finance Ltd. What's Up? Interest rates are, up that is

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HEALTH

25-38 Baruch Tenenbaum Quality Home Improvements Renovating a Chalal

Reece Epstein Reputation Elevation How Facebook Ads Almost Broke My Finger

EXPERT

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Eliyahu Shechter Naturopath Preventing and Treating Winter Illnesses

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EXPERT

Egert & Cohen Insurance The Real Story: Winter, Reinstatement Value, Foreign Licenses EXPERT

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44 Dr. Eli Prenzlau D.D.S Oral Health Center Dental Care During Pregnancy

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46 Wolfson Mall

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Meir Learman Fuchs Hats Hats On: An Interview with Fuchs Hats Beit Shemesh Branch Manager

Health & Wellness

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Mayanei Hayeshua Medical Center Measles Exclusive Interview with Professor Eli Somekh

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Insured - Jewish workers only All types of moves- big and small Extra careful with your belongings Hourly rates- no surprise charges

Featuring Avidor Orthotics and Belinda Coffee & Kitchen

47 Chaim V'Chessed Meet Their Newest Team Member

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Letter from the Editor

DEAR READERS,

editor in chief

Ariel Topf

chief business development Yisroel Meir Simon

managing editor

administrative assistants production manager

Aviva Sapir Lori Fagelston Shira Simon Aviva Keren

business development Binyamin

Simon Chaya Hyams Estie Lindner Gila Block Sharon Miller Yitzchak Bassous

social media director

Devorah Benarroch

social media managers

Elie Mendlovitz Ilana Hiller Rochelle Zelcer

chief design & layout

Matt Mildinovick Maya Mildinovick

graphic design

Chaya Feldman Tova Siegel

CY Frankel Daniella Levy Heidi Tapnack Yudit Frei

contributing editors

how to reach us Advertising

02-999-3938 info@biznessmag.com

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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. 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 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 publication 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 publication. 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

Many people ask me how to select the right business. Others ask me how to select a business that will be very profitable. If you observe the market, you will find that many people build businesses related to jobs they’ve had in the past. A teacher starts a new school, a graphic artist starts his own design firm, a dance teacher starts her own dance studio, a hairdresser starts her own salon and a corporate computer programmer develops and launches his own software.

Others turn hobbies into money-making ventures. These include photographers, authors, aerobics instructors and professional athletes. They had a passion and turned it into a way to make a living. As they say, “A man who loves his job will never have to work again.”

Then there are those who want to be independent, to be their own boss. The only thing missing is the vehicle.

Take an inventory: First, your skills. Write down everything you’re good at and try to match these skills with opportunities. Look for needs and problems you can solve. Second, your passion. What do you like to do? What are you passionate about? Find a way to turn that passion into a product or service.

In order to maximize your chances of success, you must be a “product of your product.” You should have a product that you like so much you could talk about it all day long. That excitement should hold you over on days when you don’t want to get out of bed. You should be powerfully moved to get up every single day to work in whatever business you choose.

It’s much easier to become successful and profitable if you pick a business that suits your abilities, interests, skills, lifestyle and passion.

For others it’s just a matter of money. They seek opportunities where money can be made regardless of personal satisfaction.

A friend of mine told me his latest business idea, dealing with funeral homes and relatives of the deceased—no mitzvah attached. I asked him if he was ready to deal with such an environment for years to come. His answer was that there was money to be made.

I’m sticking with passion. Your quality of life will be so much better by dealing with something you really love. Have in mind that half to three-quarters of your day is connected to your business.

This means half to three-quarters of your life! It had better be something you love.

Ariel Topf ariel@biznessmag.com

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Automobiles I Interview I Capital Motors

A Brand-New Car Without Breaking the Bank:

Interview with Almog Saadon, CEO and Owner of Capital Motors Ltd. Almog Saadon’s vision, as the CEO and owner of Capital Motors, Ltd., is to make it possible for anyone to afford a brand-new car.

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apital Motors began as a private importer for luxury vehicles.

Over the years, they developed connections with more and more of the top importers and banks in Israel, eventually becoming one of the leading car agencies in the country with more than 15 years of experience and over 10,000 satisfied customers served. With 35 employees, five branches (Bnei Brak, Netanya, Afula, Petach Tikva, Beit Shemesh) and two more on the way (Jerusalem and Beer Sheva), Capital Motors leads the industry in technological innovation and unmatched customer experience. They offer a full range of services for customers purchasing a vehicle, including sales, imports, insurance, finances, trade-ins, and leasing. Their CapitaLease program offers a unique opportu-

nity to purchase a car through financing only—that is, without a down payment, allowing customers to choose what to drive and how much to pay for it each month.

Almog Saadon’s professional background and expertise in digital technology was critical to Capital Motors’ rise to success, thanks to the advanced management system he developed over the years.

Why is it better to get a brand-new car than a lightly used one?

First of all, the newer a car is, the safer it is. Cars are constantly being updated with better technologies to keep drivers and passengers as safe as possible. A new car is not going to break down all of the sudden and leave you in a lurch. Second of all, as of 2016, the Ministry of Transportation gave an attractive incentive: when you buy

a brand-new car, you can skip the annual test for the first three years. Who doesn’t want to put off the headache of the annual test as long as possible?! Third of all, when you have an older car, you’re going to spend more per month, both on maintenance and on gas. Newer cars are more fuel-efficient.

At the end of the day, though, it’s really a question of personal preference. If all you want is something that’ll get you from point A to point B, you might find a used car to be perfectly acceptable. But there’s nothing quite like driving a brand-new car, and I believe that experience shouldn’t be exclusive to rich people. Capital Motors aims to make it accessible to anyone.

What’s the advantage of purchasing a car through financing rather than leasing?

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First, we offer up to 100% financing, which means you don’t need a down payment. Not everyone has the cash to put down for a new car, but at Capital Motors, we believe that shouldn’t mean you can’t have one. Our unique financing methods tailor the plan to each customer, taking their needs, budget, and other factors into account.

Second, leasing is different from purchasing. When you lease a car, it still belongs to the company, and you’re basically renting it from them. That means the monthly payments will be higher and you will be more limited in your use of the car: a maximum driving distance, insurance policies, etc.

When you purchase a car, through whatever method—our finance-only method included—the car is listed as yours from day one.

You’re the boss. That makes it a much more attractive option for private customers.

Are there any prerequisites or conditions to qualify for this financing program?

Anyone over the age of 18, with a steady income and residency in Israel, is eligible for the financing program.

This sounds too good to be true.

What’s the small print?

I strongly believe in transparency. There’s no small print, no hidden fees, no tricks. If you wish, at any point, to exit the deal, you can do so by closing the loan and selling the car.

How often can a customer upgrade his car once he’s purchased one through Capital Motors?

This is one of the advantages of purchasing as opposed to leasing: the car is yours, and you can sell it whenever you like! If you’d like to trade it in through Capital Motors, you are welcome to do so 36 months after your purchase.

Can small business owners purchase a business vehicle from Capital Motors?

Absolutely. We sell commercial vehicles as well as private cars, and business owners can buy a vehicle from us. It’s also possible to list the car privately under the name of the purchaser (rather than the company) and have the receipt written out to the owners of the company for maximum tax benefits. Commercial cars weighing 3.5 tons or more that are certified brand-new are eligible for a complete tax rebate, tax credit of up to 20% per year for value depreciation of the car, and other benefits. (Of course, I’m not an accountant, and you shouldn’t take this as professional advice—be sure to consult your accountant and explain that this would be for a purchase, not a leasing contract.)

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I believe in transparency.

There's no small print, no hidden fees, no tricks.

Olim chadashim are eligible for special tax benefits on purchasing a new car, too. Can they take advantage of those benefits when purchasing through you?

Of course! We even have a special department just for olim in our Bnei Brak office.

You’ll enjoy particularly attractive discounts, help financing a new car, and even help opening a new bank account in Israel.

Speaking of banks, what financing institutions do you work with?

Capital Motors works in close cooperation with most of the banks in Israel to ensure that our clients receive the best possible conditions.

How does one go about purchasing a car through Capital Motors?

One of the things that makes Capital Motors especially convenient is that you can complete the entire purchase process without ever leaving your home. If you prefer to come see the car and speak to us in person, you are welcome to—we have offices in Beit Shemesh, Afula, Bnei Brak and Petach Tikva. But you don’t have to!

First, choose a car from our online cat-

ABOUT THE CEO Almog Saadon is the CEO and owner of Capital Motors Ltd. His expertise in digital technology contributed greatly to the company’s success, thanks to the advanced digital system he developed. It is this cutting-edge technology that has allowed the company to come out ahead of its major competitors in a very complex and challenging industry.

Contact Capital Motors at the following locations: Beit Shemesh 077-604-8558 Bnei Brak 03-648-5880 Petach Tikva 077-604-9199 Afula 04-857-7432 www.cmotors.co.il

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alogue. We offer a huge selection of more than 250 brand-new models from dozens of leading brands, from Honda, Nissan and Toyota to BMW, Mercedes and Porsche.

We’ve got something for everyone here.

You can browse and filter according to make, model, and price per month.

Once you place your order, we’ll check your financing options according to the criteria you provided, and then one of our representatives will be in touch with you to work out the details and offer you an ideal financing plan. You will then be able to sign the contract digitally using the secure sign-in area on our website.

Next, it’s time to choose your insurance.

We are connected with the best insurance companies in Israel, and negotiate attractive insurance plans for all our clients, completely free of charge.

Then it’s pick-up time! You can come get your car from any of our offices, or we can send it straight to your door. We do recommend coming to us, just to make sure everything is in order.

That sounds very convenient; is your website in English?

At the moment it’s in Hebrew, but the catalogue is arranged visually and is easy for people with minimal Hebrew to navigate— and our contract is in English. The site is being translated, but in the meantime, feel free to call us; our representatives speak excellent English.

What makes Capital Motors the best place for Anglos to purchase a new car?

We know how much the Anglo community values good customer service, and we love working with customers who appreciate quality. Our representatives have a lot of experience working with olim, and we offer olim special conditions and benefits that make our service extremely affordable for them. We know that living in Israel can be an adjustment, especially for people who were used to a higher standard of living back in the old country, and cars can be very expensive here. We want to make it possible for Anglos to enjoy the comfort and quality they were used to without breaking the bank or needing to put down a small fortune just to get something decent to drive.

We are an extremely experienced company with over 10,000 happy customers, our service is convenient and accessible, and customer satisfaction is our #1 priority. Our contract is one page in English with no small print—easy to read, easy to fill out. You won’t find another company with conditions similar to ours. We guarantee that if you choose us, you won’t be disappointed.

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Marketing I Reece Epstein Reputation Elevation

How M Ads Almost Broke My Finger

…and how to make sure Facebook Ads don’t break your wallet.

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By Reece Esptein

e stood in pairs that cold day in the gym at the University of Virginia. It was my turn to hold a fake gun to the head of my sparring partner, Keenan.

Keenan raised his hands slowly, as if in surrender, and then suddenly pushed the fake gun away from his head and took it from my hand.

And he almost broke my finger in the process.

I wasn’t there yet in the gym when the Krav Mega instructor said very clearly, “Whatever you do, do not put your finger inside the trigger guard or you might get your finger broken.”

Oops.

As president of a pro-Israel advocacy organization on campus, it was my job to make sure everything ran smoothly for our Krav Mega event. I had been rushing to get some last minute things together right before the event. When I finally got there and opened the heavy iron gym doors, I was blown away by what I saw. Normally, ‘Hoos for Israel had anywhere from 5 to 25 students in attendance at events. This time, we had over 80 students.

The year was 2009, and I had just learned about this cool new thing called Facebook Ads. It let you advertise to students on Facebook based on what school they were attending.

I called our sponsoring organization, the Zionist Organization of America, secured a budget of $150, and placed some ads.

Voilà. 80 people in attendance at our event.

Since that event I’ve come a long way with Facebook Ads. I’ve been able to: • Help medical and therapy clinics double the number of new patients they see • Increase ecommerce sales • Take a financial advisory from around 150 to 1,258 leads per year • Fill seminars and events with attendees • Help B2B businesses acquire new clients • And much, much more HOW TO RUN PROFITABLE FB ADS CAMPAIGNS Facebook Ads are not likely to break your index finger… but if you’re not careful, they could break your wallet.

If you don’t know what you’re doing with Facebook Ads, you will probably waste a lot of money.

If you want to waste time and money, follow the herd and treat social media advertising as an activity to engage in simply because “everyone else is doing it,” with “likes,” “comments,” and “shares” as the criteria of your success.

The objective of a Facebook Ads campaign ought to be no different from the objective of any other advertising campaign: sales.

Facebook Ad campaigns that generate 100%, 200% or better return on investment start with a clear path to getting people to move through your sales process.

There are two categories of businesses that might use Facebook Ads: those that sell through their website, and those that don’t.

Examples of the former would be an ecommerce store selling clothing, or a fitness coach selling an information product through their website.

Examples of the latter include most professional services, expensive items, and local businesses.

Let’s take a look at each category in turn.

BUSINESSES THAT SELL ONLINE Products sold online fall into two categories: things that people buy on impulse, and things they don’t.

Selling impulse purchase items is straightforward: show people something desirable or novel about your product in the ad, and then send them straight to the ABOUT REECE EPSTEIN Reece Epstein runs marketing consultancy Reputation Elevation and is the director of marketing at Wealthpoint.

For more information or inquiries into the services Reputation Elevation offers, contact rae@reputationelevation.net or visit their website at www.reputationelevation.net

product page on your website.

Selling products that prospects need to consider or research is more complicated.

Such products generally require marketing funnels that: • Catch the prospect’s attention • Get the prospect's contact info • Develop a relationship with the prospect through carefully crafted marketing materials • Encourage prospects to attend a “conversion event,” such as a webinar or sales call whose goal is to make the sale A long sales cycle can create cash flow issues for smaller businesses.

One way to address the cash flow issue is to create an impulse purchase product at a low price point (such as $7) whose purpose is twofold: • To liquidate some or all of your advertising costs • To identify people who, unlike most of your prospects, want to buy something today (so you can upsell them other products right away) Note that each step of your marketing funnel is something that you can split test to make better. You might start off spending $4 in ads for every $1 that you make for the first few weeks, and end up spending only $0.30 for every $1 that you make three months later and for a long time thereafter, just by testing variations of each element in your funnel.

BUSINESSES THAT DON’T SELL ONLINE

If your business doesn’t sell online, what you are looking for from Facebook Ads is sales leads (or, if you’re local, perhaps coupon redemptions).

Facebook Ads make it easy to collect sales leads because they allow you to create ads that have contact forms built right in, so people never have to leave Facebook to give you their contact information and enter your sales process.

The key to generating sales leads is to figure out what problems people in your target market are having, and then offer them something that gives them value in exchange for their time with you on the phone or in person.

That is usually some variation of a free consultation, but the specifics of what form the offer takes depends heavily on what you sell.

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Finance I Interview I Accounting I Expert

Managing Your Finances the Smart Way Shmuel Rosenblum is one of the founding partners of Rosenblum-Holtzman, CPA, one of the most highly respected accounting firms in Israel.

In this interview, he tells us about the firm and gives in-depth explanations about the services it provides.

y Shmuel Rosenblum, B Founding Partner and Manager, Rosenblum Holtzman CPA Firm

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ow did Rosenblum-Holtzman get started?

I partnered with Uri Holtzman, and we established the firm in 1981. We began our professional career at one of the leading firms in Israel (today part of Ernst & Young).

Our vision was to create a firm that would offer clients personal and professional service, and not “mass production.” Our firm consistently maintains solid and respectful relationships with all the large accounting firms in Israel.

What services do you offer?

The range of services includes audits of annual financial statements, representation vis-à-vis tax authorities, local and international taxation issues, internal auditing, risk management, information security and consulting, SOX assistance, forensic accounting, business plans, arbitration, valuations, receiverships, trusteeships, due diligence, liquidations, and acting under court-appointment on various issues. Our firm specializes in serving small and medium-sized businesses, as well as family businesses owned and managed by olim chadashim with dual citizenship.

Which sectors of the market require your services?

Our firm offers a wide range of services to corporations (both public and private), private clients, professionals and non-profit organizations, and we operate in almost every sector of Israeli industry: Industry, Commerce and Tourism – We provide auditing services, as well as professional and taxation advice for numerous clients in the industrial, commercial and tourism sectors.

Finance, Investments and Capital Markets – We operate a unique professional department that focuses on auditing and risk surveys in the financial, insurance and capital market investments fields.

Registered Associations and Public Entities – The Firm conducts audits for government entities and for government ministries that fund other entities. We also serve as external and internal auditor for registered associations and public entities.

Real Estate – Extensive experience in auditing accounts and assisting engineering audits for many significant real estate projects, involving construction-related aspects (tenders, quantity reports, work overruns, planning, etc.), aspects of maintaining and registering land, marketing, leasing and revenue-generating real estate collections.

Self-Employed/Professional Parties – The Firm operates a designated consulting department for the self-employed and professionals (doctors, lawyers, etc.) including services such as guidance, personal tax

returns, capital declaration reports, representation vis-à-vis various authorities and bookkeeping services.

Trusteeships – Investor representation and trust management What gives Rosenblum-Holtzman an edge over other accounting firms?

Throughout the years we have remained true to our vision: to consistently offer our clients personal and professional service.

Upholding the firm’s reputation while keeping our clients’ information strictly confidential fosters trust and close relationships with both existing and new clients.

What’s the difference between using an internal and external auditor, and in which situations is each most appropriate?

An external auditor extends his opinion of the financial status of a company or a private business and acts as a company’s representative vis-à-vis the tax authorities. His job is focused on reviewing and auditing financial records and transactions in accordance with relevant applicable standards.

An internal auditor is a “tool” activated by management and the board, and whose work focuses on the operational side of a business: review and analysis of a company’s appropriate behavior with respect to compliance with the law, proper management, moral integrity, savings and efficiency, and whether these serve to achieve its goals. Additional responsibilities include review of a company’s assets and liabilities including bookkeeping, as well as the manner in which it safeguards its property and manages and invests its funds.

Foreign investors who would otherwise have no representation in Israel rely on internal auditors to maintain their rights over their investments here.

Why is an effective audit system crucial for a business?

Internal audit activity (rather than a system) that works specifically in line with the needs of an organization can help improve efficiency, reduce unnecessary expenses, assist in establishing procedures and guidelines for better management, reduce the chances of fraud-related incidents and aid managers to work in accordance with applicable laws and regulations. There is immeasurable added value in an effective internal audit.

Please explain in brief about the field of forensic accounting and its application. What type of establishments require this kind of service?

Forensic accounting is a special type of

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audit aimed at detecting and preventing embezzlement, fraud and financial irregularities. This auditing field is based on a unique combination of knowledge, practice, experience and special training and we have vast experience executing this type of audit both in Israel and abroad (for citizens or corporations with businesses abroad).

Members of our staff who deal with investigative and forensic auditing have over twenty-five years of cumulative experience.

We maintain discretion and apply a “need to know” approach throughout the entire process, from referral through the various stages of the investigation, and confidentiality with respect to its results. For this reason, we strictly avoid any publicity regarding our activities.

Our firm provides expert opinions in a variety of areas, including evaluation and quantification of financial irregularities, financial disputes between partners, shareholders, creditor priorities and deprivation of minority shareholders, as well as special expert opinions for silent or inactive partners.

Are there any measures a corporation can take to prevent fraud and embezzlement and not merely react after it’s already transpired?

I don’t believe water-tight prevention is possible, but there are definitely several key steps that organizations can take to significantly reduce the chance of fraud or embezzlement: Establish proper procedures especially in processes directly related to funds like purchasing or payments (via signatory authorities).

Create proper segregation of duties – Maximize the capabilities of computer systems already in use and compensate

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controls when necessary.

Recruitment – At the end of the day, it all comes down to the people doing the job.

Although all people come into this world as honest human beings, organizations must apply a cautious approach when recruiting personnel: request recommendations from prior employers, perform social network or other online searches, verify certification if necessary, etc.

Our firm has consulted for numerous corporations in risk assessment aimed at detecting loopholes and opportunities for misconduct and extending recommendations for improvement.

From experience, the cost of preventing a fraud is far lower than the cost of recuperating in its wake.

Is there anything a company can initiate at the outset to facilitate the auditing process later on?

For sure. Defining proper job descriptions for employees together with correlating authorizations in the organization’s information systems, setting proper procedures especially for key processes in the business, using updated information systems that are compatible with the scope of the organization – these are all a good start.

Many olim chadashim, especially from the western hemisphere, are involved in non-profit organizations (in the fields of charity, education, etc.). An internal auditor can advise and assist in avoiding problems.

How can your firm help local and foreign investors before they make an investment in Israel?

Our economic department provides professional consulting services in all areas, including corporate valuations, preparation of

ABOUT THE COMPANY Rosenblum Holtzman, CPA was founded in 1981. The firm provides a wide range of services to corporations, kibbutzim, non-profit organizations and private clients. These services include auditing annual financial statements, representing clients before the tax authorities, tax planning, internal auditing, information systems, risk management, information security, financial consulting, Sarbanes Oxley implementation and evaluating corporate governance. The firm has special expertise in forensic auditing and assisting in legal proceedings involving accounting and financial evaluations. With over 100 employees, Rosenblum Holtzman provides a top-tier professional service, with an emphasis on personal attention to each client.

Rosenblum Holtzman CPAs can be reached at 03-609-20-20 or through their website www.rhcpa.co.il.

Shmuel Rosenblum

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business plans, economic feasibility analysis, due diligence, preparation of expert opinions for legal proceedings, and more.

The economic department staff has an indepth understanding of each customer’s line of business and needs, which enables us to provide intelligent analysis of problems and issues while presenting feasible, efficient and effective solutions that take into account the organization’s constraints.

Additionally, the economic department extends corporate valuations and due diligence services to inactive investors and foreign investment funds which have made several investments in Israeli companies (for example, in the hi-tech, pharma and medical devices fields).

What do dual (Israeli and US) citizens have to be concerned about when filing taxes?

A dual citizen should be aware of the basic fact that US tax regulations are far broader than its Israeli counterpart. Numerous issues like the sale or purchase of an apartment or withdrawal of “tuition funds” have certain tax benefits or exemptions in Israel, while US regulations afford other benefits or none at all, and this is just an example in very general terms.

Financial institutions in Israel strictly adhere to FATCA regulations, a fact that demands careful attention.

Our firm is also an independent member of Morison KSI, a global association of professional service firms (accounting, auditing, tax and business consulting), with numerous member firms in the US and Europe. This membership provides our firm with direct access to accounting firms worldwide for assistance and consultation on any matter a client might face outside of Israel.

Is there any way to avoid double taxation?

This is a complicated issue that cannot be addressed casually. The most crucial issue to identify, based on the US-Israeli tax treaty, is which country has the “primary right” to a dual citizen’s revenues or income.

I highly recommend that dual citizens or olim chadashim consult with a professional accountant who has comprehensive understanding of tax matters before moving forward with any decision or action.

What’s your personal goal, having already achieved status as one of the most prestigious firms in Israel?

Maintain and strengthen our reputation.

I believe it is a constant task to earn a reputation and this enables us to better serve and protect our clients’ interests.

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Get your copy of SIMCHAS or check out our vendors by visiting us at www.simchas.biz PLANNING & DECOR Arts by Jordana jordana.klein@gmail.com Esther Miller Flowers 02-537-3226, 053-524-7918 estermiler@gmail.com Lenny Davidman Events 02-673-0721, 054-557-3101 lenny@ldevents.com Oraisa Sofer Stam Consultants 052-598-4568 Malky Neumann Event Planner 02-537-3024, 052-765-9024 mychoc.israel@gmail.com Rachel Schreiber Simcha Coach 053-315-0982 rachelst982@gmail.com Simcha Success Event Planning 052-713-3564 simchasuccess@gmail.com Simchonim Souvenirs 02-500-0599, 03-952-4646 simchonim@simchonim.co.il Styley Event Design 054-203-3963 Tzippy Appel Event Planning 052 660 9694 Simon Balloons 052-767-1819

Kedma Midtown 02-534-0800, 058-707-0021 info@kedma-midtown.co.il Maskit Hall 054-666-0693 Nikanor Hall 050-909-9000 kpekan@gmail.com Nof Hayarden 02-563-6464, 058-690-3030 Ramada Hotel 02-659-9973 Rodriguez 02-581-5815 Skyline Chef Restaurant Isaac: 052-255-9939 isaacinisrael@gmail.com CATERING & DESSERTS Antaka Catering 02-990-0217, 054-660-0709 antaka5@gmail.com BeSimcha Leeba Rosenthal 054-232-3410 Bleecker Bakery 02-991-9700 Brunch Bagel Dairy Catering 058-668-8949 bb5004001@gmail.com Catering Chen 02-651-3314 ch.fency1@gmail.com

HALLS & VENUES

Daniel Catering 077-915-1155

Achuzat Wagshal 03-579-9959

Delices de Paris 054-452-1953

Beis Tefilla Hall 054-845-1029 hall@btya.org www.btya.org

La Nougatine High-end Bakery 072-251-1511

Crowne Plaza 054-470-0797 Ein Chemed Hall 02-570-9494 Emerald Hall 02-992-4445 Gavna BaGush 02-533-6036 gavna5@gmail.com Hagan Hakasum 02-999-9444, 050-447-5495 eruimbenoam@gmail.com Heichalei Beitar 02-502-1633 Jerusalem Gardens Hotel 02-655-8888

Maadanei Melech Catering 02-502-1633 My Chocolate Place 02-537-3024, 845-531-5268 Schocketino Catering 052-855-1538 hschockett@gmail.com Scoop Catering 052-771-0489 Sugarela Cake Designs 052-289-5580 Toubin Catering 02-534-6328, 02-533-3864 toubin@015.net.il Muffin Boutique 052-772-2368 www.muffinboutique.com

PHOTOGRAPHY & VIDEOGRAPHY Benzion Cheirif Photographer 052-552-1961 bcheirif@gmail.com Dinner Video Productions 052-717-4200 dinnervids@gmail.com Herschel Gutman Photography 052-740-9287 h@herschelgutmanphotography.com

Image Photography & Event Production 052-593-3234, 052-766-9669 Live Stream Simcha 058-538-1902 livestreamsimcha@gmail.com Nachshon Philipson Photography & Videography 054-668-0200 nachshonp@gmail.com Natan Betzalel Videography 052-650-0226 Sarah Zheitler Photographer 052-296-4308 Shmuel Diamond Photography www.shmueldiamond.com TeknoArt Photography Studio 052-267-0131 info@teknoart.co.il Yoni Zur Videographer 052-458-8631 MUSIC & ENTERTAINMENT Bat Mitzvah Dancing with Eva 052-721-2252 Darrell Mordecai Caricature Artist 054-842-5099 darrellmordecai@gmail.com Eliyahu Stein Musician 054-249-1271 eliyahustein@gmail.com Kol Simcha Band 052-688-9123

Menachem Herman Band 02-991-8314, 053-315-0624 menachemherman@gmail.com Moti Hecht Minhag Yerushalayim Band 052-717-0004 motiht@gmail.com.

Ruach Hakodesh Band 054-943-6343 israelweddingband@gmail.com Yosef Chaim Shwekey Music 052-433-9353 WEDDING GOWNS & FASHION Bellisima Boutique 02-500-4603 Demiss Designer Hat Store 052-713-0185 Eti Melar Gown Rentals 050-419-4374 Fresh & Clean Dry Cleaning 054-721-3016, 077-350-0241 Fuchs Hats 02-500-2930

Ita Fischer Wigs 02-581-6562 office@fischerwigs.co.il Or Barashi Bridal & Evening Makeup 050-925-4106 Shifra Shmulewitz Wig Repair & Styling 053-312-0993 wigrepairbyshifra@gmail.com Ralph Wigs 054-578-8523 Shaindy Wigs 02-652-3010, 052-763-7425 Tagless Wigs Consignment Shop & Wig Outlet 058-402-4200 taglesswigs@gmail.com Tova Rena Makeup Artist 052-768-3629 Wigs by Ali 058-445-6476 Rivky Blau Beauty Salon 052-716-0025 myrivkybb@gmail.com

Lili Sock Shop 02-999-7454

JEWELRY, HOUSEWARES & GIFTS

One of a Kind Elegant Wedding Collection 02-537-7679

Aria Diamonds 02-500-4450

Salon Nurit Bridal Boutique 02-999-1564, 050-410-4422 Sari Greenblat Wedding Gowns 052-712-0617 BEAUTY & WIGS Sipora Baron Professional Makeup ArtistSpecializing in Bridal & Event Makeup 052-514-4600 sipora.makeup@gmail.com Ahuva Rubin Wigs 02-992-1974, 058-666-9447 ahuvawigs@gmail.com Amir Moyal Hair & Wigs 02-999-4829, 054-666-1826 amirmoyal2011@gmail.com

Lehava Orchestra 052-263-1597

Elianna Gasner Makeup Artist & Hair Stylist 052-362-8463

Mebereshit Band 050-257-5273 mb05052575273@gmail.com

Hair Removal

by Rachel Leah Dubovick 02-999-5925, 050-275-5567

Ben Barber Linens 03-618-9837 Brilliant Gifts & Fine Houseware 02-650-0369, 02-626-1295 Chen Vakesef Judaica 02-537-4894 Eisenbach Tefillin 02-581-4031, 058-710-7200 Feinstein Jewelry 03-574-1382 Furniture Outlet 054-911-7838 Gal Hachashmal Appliances 02-651-3383, 050-866-9910 galelectric1@gmail.com Ilan Perel Watches 02-625-4256 Jewelry Studio 02-500-0797, 054-596-3408 Vagshel Publishing 02-590-2616 5354345@gmail.com Zvi Hager Jewelry 054-499-9402

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We’ll go hand in hand, Through a process of reflection, To build a unique concept for your event.

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Simchas I Interview I Meir Learman Fuchs Hats

Hats On: An Interview

with Meir Learman, Manager of Fuchs Hats Beit Shemesh Fuchs Hats has been supplying high-quality hats for the haredi and yeshivish communities in Israel for around 40 years. It began as a hat factory in Yafo, the first of its kind in Israel. The first store then opened in Bnei Brak, followed by stores in Jerusalem and Kiryat Sefer, and two years ago, a branch in Beit Shemesh—with an all-English speaking staff—opened its doors.

W

e spoke to Meir Learman, manager of the Beit Shemesh branch, to learn more about the business.

What types of hats do you carry? What are the differences between them?

We carry hats of all kinds, serving a very wide range of communities and featuring many different styles. We import from various factories all over the world, offering all kinds of styles, including French and American.

The hats we carry are generally made of wool or rabbit felt. Wool hats are more economical, while rabbit felt hats are higher quality and last longer. However, even our least expensive hats are made with top-quality wool. We offer the best of the market at very affordable prices.

What does the price of a hat tell us about its quality?

The price of a hat is largely based on two factors: the density of the fibers and the shape of the hat. Higher-density fabrics are more durable and less likely to lose their shape.

How do you decide which type of hat to recommend to each customer?

We speak to the customer and ask what they like, how long their last hat lasted, what sort of price range they’re looking for, how the hat will fit into their lifestyle, etc. We choose the hat based on their answers and preferences. One customer may like to buy a new hat every few years; another might prefer a hat that will last for many years. One customer may want a simpler hat for weekdays and a fancier one for Shabbos; another may prefer to use the same hat for both. We help each customer find what’s right for them.

What do you recommend for a bar mitzvah boy buying his first hat?

Normally I recommend going with a less expensive hat, because usually the first one doesn’t last a long time—he’ll quickly grow out of it. So I recommend purchasing a simple, inexpensive one for weekdays and a higher-quality one for Shabbos. When he’s done with the weekday hat, he can use the higher-quality one for weekdays and buy a new, better one for Shabbos.

Which type of hat is most popular?

Our best-selling hat is the “mondial chatanim.” It’s been on the market for around 30 years, and in my experience, it lasts a very long time. My grandfather has been wearing this hat for 6-7 years and it still looks brand-new. It’s a very practical and versatile hat, with the widest range of styles. I’d say about 80-90% of the hats we sell are from this brand. The borsalino hat—a very high-quality narrow-brimmed

VISIT FUCH’S HATS AT: Nahal Sorek 31, RBS A Shopping center 02-5699974 Chagai 16, Jerusalem, 02-5002930 Rashi 12, Bnai Brak 03-5790970 Sdei Hemed 29, Modiin Ilit 08-9477305

hat—also gets an honorable mention.

What factors should a customer consider when buying a hat?

The hat should sit on the line from where the hair starts to grow naturally to the back of the head.

The hat should be proportional to your body.

Always ask how long the hat should be expected to last, especially with younger customers who are not fully-grown yet.

Any tips for optimum hat care?

First, brush your hat every two weeks, even if it looks clean. Dust collects on the brim, and if you don’t brush it regularly, the dust can accumulate. Especially if it comes into contact with moisture, it can stain the hat and be hard to clean.

Second, always brush your hat in a counterclockwise motion.

Third, it’s best to store your hat in a hat box to prevent it from getting crushed, and if not in a box, then at least in an enclosed space to protect it from dust.

What additional services do you offer at Fuchs Hats?

Our main focus is service and a positive customer experience. We offer our clients free steam-cleaning of a hat they purchased here—for life. Bring it in to any of our branches whenever you like and we’ll happily clean it for you. We will also reshape your hat for free—even if a bus ran over it!

We have a professional shaping tool even in the smaller branches. We also offer brushing and chemical cleaning services.

What happens if a customer is unhappy with their purchase?

We offer unlimited full refunds on unused returned items. Only two people have returned their hats in the past 3 years. Our company philosophy is to go above and beyond to make customers happy. A few weeks ago, a chatan came and needed a hat for the next day, but it wasn’t in stock.

Dovid Fuchs, the owner of Fuchs hats personally traveled here in the middle of the night bringing a hat from our main branch in Bnei Brak, so that the chatan could pick it up the following morning. The first thing he teaches employees is to treat each customer as if he’s the only customer, and therefore the most important. It’s a family-owned business and their yirat shamayim really comes through in the way they run their business. Our customers sense this, and they always come back.

UP TO

UP TO

OFF

OFF

Selected items from the boutique

Items from the outlet store

Imported designer labels 12 Malachi St. , Jerusalem Opening Hours: 10:00-14:00 16:00-21:00 Tel: 02-5004603

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BUILDING OR RENOVATING? Air Conditioning I Aluminum I Architecht I Contractor I Electrical Appliances I Exterminator I Furniture I Interior Design I Insurance I Locksmith I Mortgages I Renovations I Kitchens I Movers

THOUSANDS OF FAMILIES USE YOUR HOME GUIDE 2018-2019 FOR PLANNING, REPAIRING AND DECORATING THEIR HOMES. Get your copy of Your Home Guide or check out our website at www.yourhomeguide.biz INTERIOR DESIGNERS & ARCHITECTS

Yaniv Smadar Renovation and Construction 050-579-8536, 100yaniv@gmail.com

Techelet Architecture & Interior Design 074-702-6560 tchelet.archi@gmail.com

Zacai and Sons Sealing and Renovation 050-906-6713, 050-260-4621 zacai.banav@gmail.com Iris Linden 052-861-8938 irislindesign@gmail.com

Panda Interiors- Yisrael Lash 052-334-5270, israellash@gmail.com ACA Design Studio

02-993-4471

Daniel Ablelman 050-888-4751, abujabri@gmail.com Estie Schulgasser

052-336-8299

Jennifer Ungar Interior Designer 052-448-7050, jenungar@gmail.com JMark Interiors - Interior Design 02-803-8881, www.jmarkinteriors.com Leah Irenstein Architect 053-317-7450 leahirenstein@gmail.com Mallory Serebrin Interior Design 054-307-7058 Miles Hartog Architect 054-436-4492, mileshartog@gmail.com Haya Ben Tzvi Architect & Interior Design 054-281-7606 02-581-4432 www.haya-architecture.com Revital Reich Architect 02-940-3344, 054-909-4427 revitalreich@gmail.com Rivka Porush Architect 054-843-9991, rivpor@gmail.com Space Design Interior Design 050-591-5005, simiz7@walla.com Techelet Architecture & Interior Design 054-537-7564, 074-702-6560 Tzivia Bodner 02-623-2169 053-654-3045 tziviab@gmail.com Yehoshua Metzinger Architect 054-836-5770 y.metz770@gmail.com Yohanan Beeri Architect 054-587-8678 yohanan.beeri@gmail.com Chashmal 1/2 Chinam 02-999-7193

Element Wood I Expert I 050-676-3222 netanelahb@gmail.com Harel Construction 052-607-8797 info.azoulay@gmail.com

Baruch Tenenbaum Construction 050-674-1976 baruchtenenbaum@gmail.com Tzvi Pakter Renovations 054-662-1700 tzvipakter@gmail.com Nesl Aluminum 02-643-8632, nesl@13net.net Yinon Cohen Aluminum 050-333-3237 y.a.aluminum@gmail.com Trisei Yerushalayim 1700-077-074, gsc.ofir@gmail.com Maya Tris 052-446-9514, mayat1345@gmail.com Nisan Building Supplies Store 02-991-5902 Ariel Yegudayev Construction 02-993-3158, 050-919-9227 arielconstruction@gmail.com Yehoshua Greenwald Renovations 052-838-7686 shuabuilding@gmail.com Yaniv Smadar Construcion 050-579-8536, 100yaniv@gmail.com K-Child Renovations 054-702-1007 jewishjack439@gmail.com Itamar Strauss Waterproofing 052-668-7785 072-314-9357 itamrs@gmail.com Moshe Fadida - Construction and Waterproofing 052-257-7789 Bet Hakeramika 050-549-8311 Ceramic Art 054-300-6760

CONSTRUCTION, RENOVATIONS & ALUMINUM

Miki Hanuni - Mal Hagag Pergolas 052-480-8764 mikihanuni@gmail.com

Aderet Aluminium arik@aderetalum.co.il

Yehuda Gagot Raafim 054-440-8268, 054-440-8268

Avi Pave Project Manager 054-805-8072, agpave@gmail.com

My Handyman 054-846-2185 1myhandyman@gmail.com

Aluminum 4 U 054-624-4000, yedid18@gmail.com Kola Meter Construction and Renovation 050-263-3383, kolameter@gmail.com

Chanan Michaeli Soragim 052-762-4901 Haela Carpentry 072-336-0236

Yosef Buta Metalworking 052-376-7774 Eliyahu Fadida Construction Project Manager 052-272-7516 Chaim Mantzora Renovations 052-882-4704 Avishai Tsalisher Waterproofing 052-432-7872, 052-434-5299 avishaitsalisher@gmail.com Bedek Bayit

050-538-8459

Dan Gordon Landscapes 054-816-2416, daagordon@gmail.com Amiry & Co. Landscape Design 02-651-3250, www.amiry.co.il Doron Yakin Roofing 052-855-3333 Yonatan Atlan Renovations 052-520-1757 EXTERMINATION, WATERPROOFING, PLUMBING & MORE Handymench Handyman Services 052-342-7429, dave@handymench.co Itamar Strauss Waterproofing 052-668-7785 Master Plumbing 055-667-9037 Moshe Cohen Exterminator & Waterproofing 052-799-7411, mosheydi1@gmail.com The Pro Handyman 054-222-0141 Yitzchak Avital Handyman 050-380-4511, avital9898@gmail.com Ashley Coleman Plumbing Services 052-898-3396, www.acplumbing.co.il Golden Hands Plumbing Eli Greenberg 054-303-5193 goldenhandsplumbing@gmail.com Kobi Hadbarot Exterminators 050-535-2828 Dovi Levental Painter 052-707-8020, curlypeyos@gmail.com Bar Migun Security 054-220-7708, www.barmigon.co.il BH Security Solutions 054-725-4914, www.alarmsisrael.com MDAI Security Systems Meir Tasis 050-400-3864, 02-651-3999 mdai@zahav.net.il Meitar Security 050-670-2870, www.meitar-systems.com AIR CONDITIONING, SECURITY, LOCKSMITHS & ELECTRICIANS Elram Air Conditioning 02-640-3000

BH Solutions Air Conditioning 054-725-4914 bhsolutions613@gmail.com Tzvi Air 02-826-2828, info@tzviair.com CARPENTERS, KITCHENS, APPLIANCES & DECOR Albilya Kitchens

02-991-2060

Almog Furniture

052-760-8389

Appliance Direct 052-762-4265, 02-537-4264 Birkas Rifka Carpentry 050-415-6550, 02-533-4774 www.birkasrifka.org David Revivo Drapery & Linens 058-320-4971 drevivo@gmail.com Electrem Appliance Repair 052-267-7390, 052-286-2788 Etz Ladaat Kitchens 050-878-8443 etzladat@gmail.com Gid Keramika

052-644-4104

Ilan Kitchens

050-833-8722

Itzuv V'rihut Furtniture 02-673-4774, www.ofer-f.co.il JMark Interiors Ltd 02-803-8881 www.jmarkinteriors.com Kimchi Designs Custom Made Furniture 02-535-4874 Kitchens 02-624-3773 kitchens.gold@gmail.com Kiyor Art 052-449-5858, kiyorart@gmail.com LED Plus Lighting Store 02-502-0301 Mallory Serebrin 054-307-7058 Mistriel Carpenters 08-932-8295, gallery@mistriel.org Moshe Yerushalmi Carpenters 534 3246 Mr. Electric Appliances 050-997-7788, electric@012.net.il

Weitz Air 077-791-2671, 050-221-9444 weitzair@gmail.com

Nisha Kitchens 050-539-0791, www.‫נישה‬-‫מטבחי‬.co.il

Gingi Kor Air Conditioning 054-215-8669

Olam Hamizronim I Expert I 02-537-8888 Outlet Furniture 054-911-7838

Rehitei Hayukra 055-667-0701 nechamaa100@gmail.com Panet Electrical Appliances 02-537-7903 panetelectric@gmail.com Parazon Furniture 02-999-1338, eliku86@gmail.com Paramount Paints 054-527-9356 josh@paramaountpaints.com Shaish Ori 052-362-6419, s-ori@netvision.net.il Shivuk L'Binyan Ceramics 02-996-5500, 053-528-1747 avivad7@gmail.com Sherut Hamusmach Appliances 054-310-0715 Steven Cohen Glomar Curtains 03 -538-6000, 050-674-0675 058-477-5155, www.glomar.co.il Storage Solutions 02-648-1734, 054-439-9072 Studio Mark 052-312-1720, www.studiomark.co.il The Furniture Doctor 050-476-0397, furndoc@gmail.cm

Moti Arush Air Conditioning 052-630-3060

Super Kor RM Air Conditioning 02-940-1100, 054-638-8435 yossi@gingikor.com

Orchid Kitchens 02-537-4545 052-851-2312

Tris Nof Rav Or 077-693-5451 LEGAL, FINANCE AND REAL ESTATE Avner Slater 02-582-5210, 050-874-3681 esqslater@gmail.com Cohen, Decker, Pex & Brosh Law Offices 02-990-3180, www.lawoffice.org.il Egert Cohen Insurance I Expert I 02-623-2546, egert@egertcohen.co.il FFG Funding Mortgage Broker 050-419-9976, 9994094@gmail.com Hagit Lev Divorce lawyer 050-240-4055 Moville Finances Mortgages 073-796-2226, moshe@ movillefinance.com Rosenblum Holtzman CPA 03 609 2020, shmuelr@rhcpa.co.il Yehudit Margalit Mortgage Broker 052-790-6867, 02-650-1544 judith.r.margalit@gmail.com Zedek Group Property Management 02-547-2638, www.zedekgroup.com Amos Fried Lawyer Sasson Chacoty 02-625-448, www.chacoty.co.il MISC. Precious Legacies Cina Coren 054-757-6250, cincore@gmail.com MOVERS Ahavat Yisrael Movers 050-865-4666 Derech Eretz Movers 054-307-1800 052-765-5581 y0543071800@gmail.com Hovalot Hayovel Movers 052 531 5333 hovalothayovel@gmail.com

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Home I Baruch Tenenbaum Quality Home Improvements

Renovating a Chalal Anyone who has lived in Israel for a while knows what a chalal (lit: space) is. Finishing your chalal is often a cost-effective way of gaining more room in your home—especially compared to selling and buying a larger place.

This article will address some of the issues involved.

By Baruch Tenenbaum

T

ry explaining this one to a relative abroad; just imagine the conversation: “Did you hear? We started renovating. We’re finishing our space”. “Huh?”. “You know, the space the contractor gave us when he built the building”. “But if he gave it to you, then why are you only finishing it now?”. “Because it’s behind a concrete wall”. “So how do you get to it?”. “We cut a doorway in the concrete wall”.

“That’s great. But why can’t you just start using it?”. “Because it’s filled with dirt.” “Huh?” So what does “chalal” refer to? A better way of saying it in English is potential space that you can finish. There are several types; I’ll describe a few in brief and then re-visit the first one in more detail. (1) Buildings are often built terraced on the side of a hill. This means that apartments lower down have the potential to be dug into the side of the hill.

They will already have a concrete ceiling in the chalal because that is the floor of the neighbour above, and they might also have side or back walls. (2) Chalal kaful, or two-story space. This occurs in a duplex apartment when the living room ceiling is six meters high rather than the typical three. In this case, the bedrooms are located on the upper floor, and the kablan who built the apartment purposely did not put a floor above the salon and adjacent to other bedrooms or a hallway upstairs. He will often install a window and electrical outlets up there as well. This is all done in preparation for a renovation contractor to come along at a later date, install a floor, break a wall upstairs, put in a door, and voilà, you’ve got an additional bedroom! (3) Storage room with a lowered ceiling. This room is either inside your apartment or adjacent to it. Break down a wall or two, remove the lowered geves ceiling, add a little paint, and presto, you’ve got a room of a normal height!

PLANNING PERMISSION It goes without saying that the client should check with the relevant municipal authorities for proper planning permission prior to starting such any chalal project. Assuming permits are in place, the client chooses a contractor. One of the conditions of the building permit is to use a kablan rashum, registered contractor, so make sure the contractor you choose has these credentials. The contractor assesses the job, examines access to the location and gives a price. Sometimes this is tricky because the contractor doesn’t know what’s behind the wall—whether the space will be filled with dirt or empty.

TERRACED CHALAL Working off the architectural plans, the contractor performs nissur, concrete cutting with a wet saw, on the wall where a door will eventually be located. He uses this as his access

ABOUT BARUCH TENENBAUM Baruch Tenenbaum, owner of Quality Home Improvements, is a professional local contractor, providing high-end jobs with proper Anglo service.

He can be reached at 050-674-1976

point to get in and out of the chalal. Because the building contractor built another floor on top, he filled this area with dirt, so it’s up to the renovation contractor to now get rid of it.

CLEARING OUT THE DIRT If access allows, a bobcat is brought in, sometimes in conjunction with other heavy-duty digging equipment. This certainly is the quickest way to clear out the dirt. If this is not possible, the old-fashioned method is employed—one bucket at a time—to a ballah (canvas sac) for crane disposal, or to an awaiting dumpster. On one particular job my workers filled 8 dumpsters with dirt! Sometimes this chalal area will be empty and no dirt removal will be necessary. It all depends on your luck (and how the building contractor built it originally).

WATERPROOFING & STRUCTURAL At this stage, the contractor refers to the structural diagrams from an engineer. The area being finished is underground, and proper waterproofing must be done to prevent ingress of water or moisture. He also needs to build concrete retaining walls to prevent dirt from the sides or back from caving in. I have unfortunately seen jobs where an unscrupulous contractor dug 20cm beyond the dirt, built a block wall, and called it a day—no waterproofing, no retaining wall, no nothin’! The structural plans dictate the steel and concrete required to build these components. The contractor needs to pump in concrete via a special pump located on the street, as a regular pump truck cannot be used.

FINISHINGS Once the dirty work has been done—clearing out the dirt and creating a safe structure— the contractor finishes the area like any other renovation. He works according to the architectural plans and builds interior walls, bathrooms, plaster, flooring, drywall, painting, etc. Some challenges relating to this type of chalal are getting natural light in, finding a waste plumbing point to attach to, and ventilation. I have worked with very talented and creative designers and architects and together, we have come up with solutions to all of the above challenges and more.

Chalals are certainly more challenging than most projects, but with proper planning and an experienced contractor, you can be enjoying your enhanced chalal, er, space, in no time at all.

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Real Estate I Mortgages I Expert

Whats Up? Interest rates are, up that is.

On November 26, 2018, the Monetary Committee of the Bank of Israel (BOI) decided to increase the interest rate from a rate of 0.10 percent to a rate of 0.25 percent. This rate has not been increased in a long time (about seven years) and caught many analysts by surprise. Considering that interest rates in the US have been increasing for a while, we may be seeing a long-term shift upwards in interest rates in Israel.

By Moshe Wilshinsky

I

imagine you are asking yourself: Why do rising interest rates in the US concern someone living in Israel?

That’s a good question. The answer is because in today’s global economy, the US is the world’s largest economy.

In fact, the BOI press release cites, among other factors, what is happening in the US. To better understand where we are today a little historical context is needed because historically with such shifts, the mortgage qualification process is adversely affected.

As a result of 9/11 and the stock market crash of 2001 (often referred to as the “bursting of the Internet bubble”), the Federal Reserve, which is the central bank of the US (the FED), repeatedly lowered short-term interest rates to historic levels. In 2008, the world financial markets suffered one of their worst crashes.

As a response, the US and other governments around the world enacted Quantitative Easing, a monetary policy where the government buys its own government bonds, which keeps demand high thereby lowering long term interest rates (a bond’s value and interest are inversely related). This monetary policy created what is commonly referred to as “cheap money.” The cheap money enabled businesses, government bodies and consumers to borrow more than ever to acquire assets and utilize resources. This, in turn, helped jumpstart the economy, especially in the US, which, immediately after 2008, many were afraid was on the brink of an economic depression.

The post 9/11 interest rate drops affected

the Israeli mortgage market as well, lowering interest rates and increasing loan amounts.

Just when everyone thought rates would start increasing, 2008 brought Quantitative Easing as a response. This maintained the lower interest rates in many countries; while in Israel, even though Israeli mortgage interest rates remained low, the BOI introduced many mortgage regulations and one of the effects was limiting the size of the mortgage a borrower can get approved for. In the past few years while there were periods where long-term and mortgage interest rates in Israel increased, they would go lower as well in part because of the lower interest rates in the rest of the world, especially the US. The Fed has been raising interest rates on a regular basis for a few years and recently made it clear it is ceasing Quantitative Eas-

ABOUT THE AUTHOR Moshe Wilshinsky is the CEO of Moville Mortgage & Finance Ltd. Moville Mortgages can found on the web at www.movillefinance.com.

They can be reached at 073-796-2226 ext. 711.

In the US, dial 201-377-3418; in the UK, dial 208-596-4501.

ing. At this point, in the US, the sentiment about interest rates is more one of wondering how far interest rates will go up than if they will drop long term.

The situation in Israel isn’t as clear. Although the interest rate that the BOI just increased is the leading interest rate index, and even though it’s a short-term interest rate, the fact that they increased it may cause the market to increase long-term interest rates as well.

One of the ramifications of all this is called interest rate risk. For a borrower, it means the possibility of interest rate (i.e. cost) increases and higher monthly payments on adjustable-rate mortgages (or parts/maslul, thereof). For a lender, it means less profitable mortgages.

The Basel III regulatory framework, another 2008 by product, actually discusses interest rate risk and the importance of taking it into account. Regulators like the BOI base their regulations on the Basel framework. For example, how banks take into account the possibility of variable interest rates going up in the future in the approval process can affect the loan amount a borrower can qualify for. If the Israeli mortgage banks start to assume the inevitability of the BOI increasing interest rates, mortgage banks will increase mortgage interest rates in anticipation of those future increases.

In the month following the BOI rate increase many things changed. The US stock markets have lost significant value, which caused the interest rates in US bonds to drop and the new governor of the BOI has been quoted as saying: “It is important that the interest rate is not raised too rapidly or aggressively.” So, in fact, no one knows if, when, or how high mortgage interest rates will rise, but it’s a real possibility and mortgage borrowers, both current and future, should be prepared because with mortgage interest rates, what goes up does not always come down.

For anyone with a mortgage that has a portion of it with a part (maslul) linked to the Madad (CPI) or has an interest rate that is adjustable, now is a good time to see if it makes sense to refinance to a fixed non-linked interest rate mortgage. For anyone thinking of getting a mortgage in the future: budget for higher interest rates. You also may face more scrutiny in the approval process.

I would like to wish a warm welcome to Professor Amir Yaron, the new governor of the Bank of Israel. May you have hatzlacha and bracha in your new position so we can as well.

Furniture Getting Shabby?

The Furniture Doctor Can Restore It

The Furniture Doctor has over 40 years of experience in restoring, repairing and refinishing furniture.

Using only top-quality materials we can repair your furniture from water damage, burns, faded color, or general wear and tear. Our cosmetic technician can do on-site repairs, or we can transport your furniture back to our workshop when necessary.

Make your furniture look new again!

David Shafner 02-999-2418 furndoc@gmail.com

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Home I Insurance I Expert

The Real Story

Winter, Reinstatement Value, Foreign licenses

By Shimon Cohen

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inter is here.

Now that the log fire / heater is warming you up, a few words about fire insurance.

What is it?

The definition of fire in most policies is the appearance of sparks or flames. (In other words, damage caused by a hot iron would not be covered under standard fire cover). Also included is smoke damage and explosion. Spontaneous combustion is not covered, nor is theft as a result of the fire. Obviously, if you own your home you should make sure that you are covered for fire damage for your contents as well as for the actual house/apartment. (This is done either through a private insurance policy or through your mortgage). However, for those renting homes, it is extremely important to check your contract and see whether you or the landlord is responsible for this cover.

Other aspects of fire cover are: • Payment for alternative accommodation.

• Payment of rental (depending on

amount of insurance).

In our experience, most fires have been caused by unattended Shabbat or Chanukah candles and by clothing left near electric heaters – so, be warned!

Insurance Tip - Kinun (Reinstatement Value) Have you ever received an insurance claims check where an amount seems to be deducted

from the payment, with the mysterious words “kinun” printed next to the deduction. Translated, this means “re-instatement value”.

An example: Let’s say you pay NIS 3,000 annual premium to insure your car that is worth NIS 80,000. You have an accident, which costs NIS 10,000. The cost of the repair is covered by the insurance but now you have “used up” NIS 10,000 of the cover and therefore need to “top up” the policy.

The amount that you actually pay is dependent on a) the cost of the damage and b) how much longer the policy has to run. In other words, the two extremes are: having an accident on the first or last day of the policy.

On the first day you would pay maximum “kinun” because you have to ‘top up’ the policy for a full year, and on the last day there is

ABOUT THE AUTHOR Shimon Cohen is the manager of Egert & Cohen Insurance.

Egert & Cohen is a family business that specializes in serving the Anglo and new olim populations.

They provide a friendly and professional onestop-shop for all your insurance needs.

Egert & Cohen can be reached at 050-548-2192 or through their website www.egertcohen.co.il.

no “kinun” at all. When the new insurance year begins, everything starts afresh.

When do you not have to pay the Kinun?

1. When there is a total loss—in this case you use all your premium to pay the total cover—or when the accident happens on the last day of the policy.

2. Bituach Hova—In claims of personal injury there is no re-instatement value.

3. Any case where the client decides not to replace or repair the damage.

For example, if you decide not to repair your old Subaru, you will be paid out minus the VAT but without the reinstatement clause kicking in.

“The times they are a changin’” New Conditions for driving with a foreign license in Israel 1) Non-residents must hold a valid foreign driver's license for the type of car they are driving in Israel.

2) They must be 17 years or older.

3) They are not unfit to receive an Israeli license.

4) They have not been in Israel from the date of their last entry for more than a year.

5) The definition of “last entry”: Where the non-resident was abroad for at least 3 consecutive months.

Example: A tourist or student comes to visit Israel once or twice a year. As long as he/she went back home for at least 3 consecutive months and doesn’t stay in Israel for more than a year, then he/she can use his/her license every time.

Problem: A yeshiva student who is here for Shana Bet. He arrives for his first year from chul. He can drive for the full year on his Foreign license. He then goes home for bein hazmanim and returns for Elul. If he doesn’t return to chul for at least 3 months, his last entry is calculated from when he arrived for Shana Aleph and he no longer has a valid license in Israel!! In a case like this, he/she must immediately convert his/ her license to an Israeli license.

How to do this? The student must present his/her passport, study visa, eye exam, medical exam and foreign license to misrad harishui.

N.B.: This is my understanding and interpretation of the rather complicated law. See takana 367 of the Road Vehicle Law.

Have a safe and warm winter.

Egert & Cohen

We’re here when you need us.

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Health & Wellness

Givolim Institute Therapeutic and Educational Center Eyal Ben Yaakov 054-671-3010 givolim.givolim@gmail.com ALTERNATIVE MEDICINE Dr. Reuven Rosenberg 058-432-5849, ihc.rmr@gmail.com Rachel Koenigson Accupuncture 054-787-2151 teachingvitality@gmail.com Shana Neril Naturopath 054-771-9432 shana@maayanhealth.com Cranio Sacral/Acupuncture/ Homeopath Yaakov Wieder 02-540-1324 www.yaakovwieder.com Alexander Gorelik Cartilage Damage/Scoliosis Treatment 054-575-2678 Susan Brody Chiropractor 050-920-6010, drsbrody@gmail.com Shel Machat Accupuncture 054-553-1399, shelmahat@gmail.com Jerusalem Spine Center 02 6717860, www.drliram.com Emotional Health Healing Lena 054-758-1206, vilenazvi@gmail.com Dr. Zalman Medwed Chiropractor 050-415-4317, 02-654-0246 zalmanmedwed@gmail.com.

Raayah Levy Reflexology 054-757-8705, raayahl@gmail.com Center of Complementary Medicine Tamar Zakon 058-567-6758, info@balancecenter.co.il Dr. Tzipora Solomon Redemptive Health 054-660-9780, dr.tysolomon@yahoo.com TK Health Club Alternative Medicine 058-3257693 tkhealthclub.com Eliyahu Shechter Naturopath 052-890-3822 www.reoot.co.il SPA & MASSAGE Raphael Cohen 054-314-0350

Miro 054-723-5500

Judah Katz Psychotherapist 052-312-6021, judahkatz@gmail.com

Massage by Avital 050-874-4257 02-624-2236 avitalkrova@gmail.com

Hillel Zaren Educational Psychologist 054-759-0027 hillelzeren@gmail.com

Limor Medical Cosmetics 052-519-7744, limor0129@walla.com

Sarah Gold Psychotherapy 054-338-2138. sara@innerenergyhealth.com

Isuim Gan eden 052 878 7336 , mir75@bk.ru Eran Karniali Shiatzu 052-402-0557, karnieli1@gmail.com Jerusalem Massage Matt Gleicher 052-636-2000, matt@jerusalemmassage.com Udi Rothstein Massage 050-417-0907, udirothstein@gmail.com THERAPISTS Nancy Schwartz 058-630-0372, nbesser1968@hotmail.com Avraham Friedman 054-589-3399, avrahammsw@gmail.com Rachel Horvitch 054-215-7088, rachelhorvitch@gmail.com Way to Light Treatment of Addictions 050-236-4401, 02-534-3604 haderech01@gmail.com Yehudit Kushelevsky Psychologist 02-644-7505 yehuditk45@gmail.com HaMischak Ha'amiti Play Therapy 054 846 0454, gorachel@neto.net.il Dr. Natalie Gar Psychologist 054-440-3979 Lynn Paul Speech Therapist 052-387-0728, lynnpaul57@gmail.com Aryeh Feldstein Physical Therapist 058-781-9801 aryehpt@gmail.com Ow-to-Wow Mobility Specialist Shoshana Shinnar 058-612-2014 poshshosh@gmail.com Positive Health Counseling Mika Smith 054-984-8862 mikasmith@msn.com Sheryl Prenzlau M.S.W. Psychotherapist and TAT Professional 052-240-1721, skeyboard@gmail.com

Sharon Abeles Psychotherapy (Family Therapist) 052-355-9283, sharon.abeles@gmail.com Batya Jacob 054 672 0249 cjacobsfamily@gmail.com Maaneh Therapy Organization al@maaneh.org Al Peh Freyda Weis Freyda Weis 052 528 7726 freydaweis@yahoo.com Zehava Waltzer 058-763-8728, zwaltzer@gmail.com Expressive Art Therapist (Eliana Cooper) 052-267-7913, elianay@gmail.com Abby Weisz 052-380-0948, jewishintimacy.com/ Ephraim Portnoy BSW 058-528-5228, ephraimportnoy@gmail.com Amudim Israel Crises Center for Abused 02-374 0175 Elana Ginz 053-622-9322, elana.ginz@gmail.com David Kronish 052-977-3492, david.kronish@gmail.com

FITNESS "Rivka Matluk Yoga/Pilates Instructor & Personal Trainer "050-992-1033, matluk@bezeqint.net Dance with Dena Kosher Zumba 054-242-0712, ddlhundert@gmail.com Li Briut Personal Training - Sheva Samuels 054-542-7487, shevah@libriut.com Xperience Fitness 073-724-1637 youexperienceit@gmail.com Vikki Kreditor 054-849-9029, vikki7@gmail.com

Jerome Wojtalik Personal Trainer 050 709 1341, jerome.wojtalik@yahoo.com Sky Gym 02-533-5220, www.skygym.co.il, Batya Gorman 054-655-1793 batyagorman@gmail.com DIET & NUTRITION Food for Thought Nutrition-Aliza Eisenstein 054-842-3044 , aliza202@gmail.com Judy Kizer Nutritionist 052 566 5725, feinerkizer@gmail.com Baby Plus Lactation Consultant Bunye Fridman 052-769-7114

MEDICAL "Avraham Zimberg, DPM Orthotics/ Foot Care Specialist atrist" 054-543-7775, zimberg.r@gmail.com Heichalei Hashen Yisrael 992203@gmail.com Lev Hakirya Orthotics 02-991-4166

02-999-6046 , drstern@neto.net.il

REHABILITATION Meshi Childrens Rehabilitation Center www.meshicenter.org Sharon Wolfman PT 052-300-3160 jerusalemphysio.wixsite.com/ jerusalemphysio PRODUCTS & SERVICES Agalot brama Lev Hakirya AV Israel Hearing Services 02-673-0244, www.avisrael.org Mercaz Panim Fertility Treatment 050-430-0147, merkazpanim-fertility.org.il/en/ Zmora Organic Health Food Shop zmoraorg@gmail.com www.zmora-organi.co.il/ Dor Yeshorim Genetic Testing www.doryeshorim.org/

AV Israel Hearing Tests/Aids 02-673-0244, www.avisrael.org

Village Green 02-645-7676, villagegreen.co.il

Alexander Gorelik 054-575-2678

Tevale store 02-992-7020, 02-996-484

Moshava Dent 02-563-8936, 02 566-7797 Optica Naomi Vision therapy/ Optical store 02-5004333, imnl4u@gmail.com Shindler Insight Vision therapy/ Optometrist 02-540-6166, www.shindlerinsight.com Rechavia Dental Center 073-757-99-02, www.rechaviadental.co.il Wolfson Medical Center 02-5610297, fmcwolfson.com/ Dr. Kalish Opthamologist 02-679-9008, eyeclinickalish@gmail.com Dr. Eli Prenzlau Dentist 02-566-0669 Dr. Ari Stern Dentist

Michaella & Aviva - Doterra Products (Oils) 052-687-1124, michaella37@gmail.com EDUCATION Zarchin Institute Learning Disabilities 050-420-0291, www.zarchin.org Avigail Gimpel 054-441-3295, www.hyperhealing.org COSMETICS Sarit Vallis 052 263 0936, valisarit@gmail.com

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Health & Wellness I Interview I Pediactric Ward Mayanei Hayshua Medical Center

Measles

Exclusive Interview with Professor Eli Somekh, Director of the Pediatric Wing of Mayanei Hayeshua Medical Center The measles virus has been rearing its ugly head in the past year, with an unprecedented rise in cases all over the developed world, including Israel. According to the most recent Ministry of Health data, there have been more than 2,000 cases throughout Israel since the beginning of the outbreak, most of them in Jerusalem.

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n this article, we have asked Mayanei Hayeshua’s Professor Somekh to provide information about the disease, its symptoms, its treatment, and most importantly, how to prevent further spread.

What is measles?

Measles is a serious and sometimes fatal viral infection most often occurring in children. Its symptoms include fever, dry cough, runny nose, sore throat, conjunctivitis (inflamed eyes), and characteristic rashes.

Measles has several stages that unfold over the course of two to three weeks.

For the first 10-14 days after infection, the patient has no signs or symptoms; this is

called the incubation period. Then the patient normally contracts a mild to moderate fever, often with a cough, runny nose, inflamed eyes and sore throat—symptoms that seem typical of most other viral infections. This stage lasts two to three days, and is called the prodrome.

Next, a rash begins to appear, normally starting on the face: small red spots in tight clusters that make the skin look splotchy.

The rash spreads over the course of the next few days throughout the whole body.

During this time, the fever rises significantly, often reaching 40 or 41 °C. Finally, the rash begins to recede, fading first from the face and last from the lower extremities.

In most cases, children will recover from the disease naturally. But the fatality rate,

even in developed countries, is somewhere around 1:1000 —higher when complications develop or when the child has other “common” health issues.

Some of the complications of the measles virus include: ear infections, laryngitis, croup, bronchitis, pneumonia, encephalitis, and pregnancy complications including preterm labor, low birth weight and maternal death. An additional severe complication that may develop 7-10 years after having measles is SSPE, a terminal neurological disease.

How is measles treated?

Because measles is a viral—rather than bacterial—infection it cannot be treated directly once it’s been contracted. Treatment of measles normally involves managing the symptoms and treating secondary infections and other complications as they arise. This treatment is suitable for immune-compromised patients.

Vitamin A deficiency has been found to increase the severity of measles, and therefore children who are found to have low levels of the vitamin and/or patients with a severe illness are treated with high doses of vitamin A. The best treatment for measles is prevention—that is, the vaccine. The measles vaccine is extremely effective with a 97% success rate, and involves minimal risk: extensive medical research has shown that there are no long-term side effects.

The vaccine is normally administered at one years of age, with a second shot given in first grade.

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If you have not been vaccinated and you’ve been exposed to measles, your doctor may recommend a post-exposure vaccination. If the vaccine is given within 72 hours of exposure to the virus, it may prevent the disease, and if not, it can make the symptoms milder and decrease the duration of the illness. Another option is an injection of antibodies, called immune serum globulin, which can have a similar effect if given within six days of exposure.

This option is particularly suitable for people with a compromised immune system who cannot get the live measles vaccine.

If most people recover naturally, and my child is healthy why should I bother with the vaccine?

First of all, even when measles isn’t fatal and no complications develop, it is still an extremely unpleasant illness. Why force your child to endure that suffering when you can prevent it from happening in the first place?

Second of all, and most importantly, while your child may not be severely affected by measles, he may infect others who are not as fortunate. Measles is an extremely contagious disease—90% of unvaccinated people exposed to it will contract it. It is the only virus that can be contracted from a carrier who is no longer in the room (up to two hours after the infected individual has left the room). The period during which measles is contagious lasts about eight days, starting four days before the rash appears and ending when the rash has been present for about four days. That means that your child will be contagious even before you know that she is sick—and by the time you realize that she has measles, she will already have exposed others to the illness. Children who have been vaccinated will probably not contract the disease, but there are plenty of children who can’t be vaccinated, such as infants who are too young, and children undergoing treatment for cancer, whose immune systems are compromised. Measles can be fatal to these children.

Vaccination is a shared social responsibility. We vaccinate our healthy children to protect our unhealthy children who are unable to receive the vaccine. When lots of healthy children are not vaccinated, the disease is able to spread and infect people who are more vulnerable.

But isn’t the vaccine risky?

No. The measles vaccine is extremely safe.

JANUARY 2019

There is a vast amount of high-quality research documenting this, and not a single credible study has found a link between the vaccine and autism or any other serious condition. You may have seen articles online calling this fact into question; every single one of them is based on faulty science and a conspiracy-theory mindset.

Vaccines are safe, effective, and crucial for public health.

The best treatment for measles is prevention—that is, the vaccine.

Some parents may be concerned about the fact that the vaccine contains preservatives or other chemicals that may be harmful to humans in large amounts. What’s important to understand is that toxicity is not a question of the substance itself, but of dosage. Even the most benign substance, such as water, can be fatal when consumed in large quantities. The vaccine contains these substances in amounts that are completely safe for human consumption and some of these preservatives, such as mercury, are no longer added to vaccines. In fact, you are naturally exposed to some of these chemicals in your regular food and drink.

There is 10-60 times more formaldehyde in an average pear than in a vaccine. Your body knows how to process these chemicals and get rid of them in reasonable amounts.

Why is this outbreak happening?

After the introduction of the measles vaccine, infection rates dropped dramatically—almost to the point of eradication—in developed countries such as Israel. In recent years, though, unfounded concerns about vaccines, such as those mentioned above have led some parents to choose not Professor Eli Somekh, Director of the Pediatric Wing

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to vaccinate their children.

As mentioned above, in order to protect those who cannot be vaccinated against viruses like measles, a certain percentage of the population must be immune. We call this herd immunity. The fewer children vaccinated, the more the disease is able to spread.

What do Rabbanim say on this issue?

Gedolei Torah from all over the world have spoken out very clearly on this matter and their opinion is one and the same: vaccinate your children.

In fact, it was Rav Dr. Menachem Brayer, deputy medical director of Mayanei Hayeshua Medical Center, who initiated the joint call from a group of highly respected rabbanim urging parents and communities to vaccinate against measles. Among the rabbanim who joined the initiative are the head of the Eida HaHaredit Beit Din, Rabbi Moshe Sternbauch; Rabbi Yitzchak Zilberstein, known for his expertise on medicine and halacha; Rabbi Moshe Klein, rabbi of the Hadassah Ein Kerem Hospital; Rabbi Shimon Baadani and others. Their joint declaration states that “the Torah granted doctors the power to heal, and it is a mitzvah, even pikuach nefesh. And if one refuses [to vaccinate], it is though he has spilled blood.”

Similar statements have been made by such eminent personalities as the Rosh Yeshiva of Ponevezh, HaRav HaGaon Rabbi Baruch Dov Povarsky and the head of the “Tiferet HaTorah” yeshiva in Williamsburg, Rabbi Yoel Roth.

It is extremely unfortunate to note that the majority of cases of measles in Israel were discovered among the charedi communities in Jerusalem. Those who claim to avoid vaccination in the name of Torah are, as the above statements unequivocally declare, in severe violation of it.

Where can I get my child vaccinated?

If you or your child missed the MMRV vaccine at one and/or six years of age, it is still not too late. Contact your physician or Tipat Chalav staff immediately. The Talmud teaches that anyone who saves one life is as if he has saved the entire world; vaccinating your child means saving not just one, but thousands and thousands of lives.

For more information about Mayanei Hayeshua, visit their website at www.fomhmc.org.

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Health & Wellness I Interview I Dr. Gil Garalnick BChd

All for the Smile:

Interview with Dr. Gil Garalnick Dr. Garalnick explains about his patient-comfort-centered approach, how the latest technologies have affected his practice, and his three simple reminders for maintaining optimal oral health.

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r. Gil Garalnick is a graduate of the Leeds University Dental School and has been practicing since 1997. After a year of vocational training, he worked as an associate for three years, and then opened his own office, where he offers his patients all aspects of general dental care focusing on implants and aesthetic dentistry.

What made you decide to become a dentist?

Originally, I wanted to become a maxillofacial surgeon, but after finishing dental school, I decided that going through medical school would not work well with my plans to get married and start a family. So I went into general dentistry, and haven’t looked back. Over the years, I learned from experts in all disciplines of the field, focusing on aesthetic dentistry and implants.

What do your patients particularly like about you?

I try my utmost to approach my patients in a calm gentle manner, and to treat them as individuals with their own needs and sensitivities. I have special techniques to make injections as painless as possible. I have even had patients fall asleep during

treatment!

Who comes to you for treatment?

I have treated patients ranging from three to 100 years of age, but in recent years. I’ve been focusing more on adultbased treatment of implants and reconstructive and aesthetic dentistry. I see people from all walks of life, mainly from the Beit Shemesh area, but also from Jeru-

ABOUT DR. GIL GARALNICK Dr. Gil Garalnick has been serving the Beit Shemesh community for 12 years. He offers general, cosmetic and implant dentistry. His uncompromising professionalism and pleasant manner makes him one of the most sought after dentists in the area.

To book an appointment or for a free implant consultation call: 02-992-4267 Located at Park Center, 3rd floor, Ramat Beit Shemesh Alef

salem and the surrounding areas.

How have technological advancements affected your practice?

The latest advancements in dental technology often make treatments simpler and more predictable, with faster recovery and increased comfort. Implants can restore function and aesthetics where teeth are missing, as well as making loose dentures stable. With the many different types of implants and bone expansion techniques available today, this is more straightforward than in the past. New dental materials mean that you can have strong, natural-looking crowns and bridges.

What do you think makes a good dentist?

A good dentist is one who has a high rate of patient loyalty, that is, that patients enthusiastically refer family and friends.

That means that patients are not only happy with their treatment, they’re eager to share their good experience with loved ones.

With kuput cholim subsidizing treatment, why do you think it’s worth the extra expense to go to a dentist privately?

Although treatment can be cheaper in the kupot in some cases—not always, when it comes to adult treatment—I believe that seeing the same dentist longterm and building trust while receiving high-quality, personalized care means that most patients prefer going to a private dental office. My patients often mention how much they appreciate the gentle approach of all our staff members and the level of care and concern they receive from them.

What do you find inspiring about your work?

I find it inspiring to be able to diagnose and treat patients correctly, while making them feel at ease. Helping patients look and feel better is very rewarding and can even be life-changing for some patients.

The smiles and ‘thank you’ patients give me when leaving the office make me feel good about what I do.

Any tips for maintaining optimal oral hygiene?

I always encourage my patients to keep up good oral hygiene by offering three simple reminders – brush twice daily, floss most nights, and don’t snack between meals. Your teeth need a rest too!

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Health & Wellness I Eliyahu Shechter Naturopath

Preventing and Treating Winter Illnesses

By Eliyahu Shechter

T

he emergency room and departments are full, and there isn’t a single unoccupied bed in the hospital…” We are used to hearing such announcements from newscasters in recent years.

The Ministry of Health and the general public scramble to prepare for the onslaught of seasonal infections with the annual flu shot, antibiotics, and more. But is that the only way to prepare our bodies for winter?

Does natural medicine offer an alternative, or do we need to rely entirely on vaccines and medications?

In this article, I would like to propose a new approach to preparing our immune systems for winter, based on the philosophy of naturopathic medicine.

I will start with a question many patients ask me: how is it that they’re always catching viruses or bacteria at work, while their co-workers—who are sitting in the same room, exposed to exactly the same germs—feel fine, and weather the winter in perfect health?

Natural medicine teaches that germs don’t indiscriminately attack everyone in the environment. They attack when they detect weakness—that is, a person whose immune system is compromised. Pathogens settle in and multiply unopposed, because there’s nothing there to fight them.

One might compare this to an ant invasion: when ants are swarming our kitchen floor, we might also ask, “Why are they coming in to my house and not anybody else’s?!” And the answer is that they come where they can find food. Viruses and bacteria are also looking for a place where they can flourish.

Therefore, the real cause of the illness isn’t the virus or germ in and of itself, but the weakness in the person’s body or spirit.

This means that in order to properly prepare for winter, we don’t need to “declare

war” on the viruses or bacteria; they’re not the real cause of illness. Instead, we should focus on the real cause of the problem by taking responsibility for our own health.

By strengthening our general health, our immune systems will protect us from whatever we’re exposed to.

There are two complementary paths to strengthening our systems for winter. The first is avoiding elements that weaken our health, and the second is consuming or otherwise using elements that strengthen our health.

The following are some elements that weaken our health, according to “Human Nutrition and Health” by Yitzchak Ben Uri: an unhealthy diet, pollution, pesticides and chemicals in our food and water, obesity, smoking, alcohol, lack of exercise, emotional stress, medications and difficult life circumstances.

By contrast, here are some factors that strengthen our health: a healthy diet, fresh air, good sleep, good water, creative physical activity and serenity.

The more we adopt these principles, the healthier we will be. In fact, this type of “pre-

ABOUT THE COMPANY Eliyahu Shechter is a naturopath with 15 years experience.

Among the techniques he uses are Sujok and iridology.

Eliyahu sees men, women and children at his clinic.

He also lectures at various colleges and to the general public.

For more information or to book an appointment you can reach Eliyahu at 052-890-3822 or eliyahu3@gmail.com or visit his website www.reoot.co.il.

ventative care” is more effective when we turn it into a way of life and not just a temporary solution in the months before the winter.

However, even just a month or two of following these principles can help, depending, of course, on the person’s baseline of health.

I would like to make some practical dietary suggestions that can help even in the short term, to prevent or alleviate seasonal infections. They are particularly important for people who have a tendency to catch these infections. However, please note that none of these suggestions can replace a proper evaluation and treatment plan adapted to the specific needs of the patient.

Things to avoid: Dairy products, sugars, processed wheat items, peanuts and peanut butter, processed snacks, and fried foods.

These foods can increase the production of mucus, which stresses the body and wastes energy, making it harder for the body to fight the germs. Additionally, sugars weaken the immune system by increasing inflammation.

Things to consume: Base your meals primarily on fruits and vegetables, nuts, legumes, and whole grains. These foods are light, nourishing, and neutral. They can also assist in cleansing the body of accumulated waste. You may also want to consider taking vitamin C regularly, which strengthens the immune system, and Omega 3, which is a strong anti-inflammatory.

If you start to feel sick, especially if you have a fever, you can ease your body’s fight with the germs by minimizing or avoiding eating—and drinking plenty. Drink water, water with lemon, or herbal infusions that warm the body, such as cinnamon, or those that strengthen the immune system, such as ginger. If you feel weak, and you need more energy, you can soak dates in water and drink the water. This way, the body’s energies are not wasted on digesting foods and are instead devoted to fighting the virus. Herbs such as echinacea, which fight infection naturally, may also help. Of course, only do these things after consulting a professional.

In most cases, given the right conditions, the body will know how to deal with various illnesses in the best, most precise and often the fastest way. Remember that G-d provided the cure before the illness; healing is within us. If we trust it, we will enjoy good health, and a happy, healthy winter.

The information in this article does not replace the diagnosis and advice of a doctor or therapist.

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Health & Wellness I Interview I Dr. Eli Prenzlau D.D.S. born, but if they interfere with taking care of your teeth, your dentist may suggest removing these lumps.

Dental Care During Pregnancy Did you know that the hormonal changes of pregnancy can affect your oral health? Dr. Eli Prenzlau explains this phenomenon and offers advice on dental care during pregnancy.

By Dr. Eli Prenzlau D.D.S.

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o you avoid going to your dentist while you’re pregnant? Relax! You can and should keep up with your dental appointments, as delaying treatment can cause further problems. Both the American Dental Association and the American College of Obstetricians and Gynecologists agree that oral health care during pregnancy is both safe and important for you. Pregnancy can trigger oral health problems, including gum problems, and dental erosion.

GUM PROBLEMS During pregnancy, hormonal changes can increase the risk of developing gum-related problems. Gingivitis, or inflammation of the gums, may increase, and can cause your gums to swell and bleed. To prevent and treat this, you need to put in extra effort to care for both your teeth and gums.

Make sure to: 1. Brush twice daily for two minutes with a toothpaste that contains fluoride.

2. Clean between your teeth once daily with either floss or other interdental cleaners.

PREGNANCY GINGIVITIS When left untreated, pregnancy gingivitis can develop into full-blown periodontitis: a condition where the infection spreads beneath the gum line. This can damage the tissues that hold your teeth in place, and without treatment, the teeth can actually loosen and may even fall out or need to be extracted.

Some women might even develop ‘lumps’ on their gums during pregnancy. These rarely hurt, but can disturb brushing and make it harder to keep your teeth clean.

They typically go away after the baby is

ABOUT ORAL HEALTH CENTER Dr. Prenzlau’s Oral Health Center in Jerusalem offers the full range of dental and oral health treatments, including oral rehabilitation, implants and esthetic dentistry.

They are located on Rechov Azza 26 in Jerusalem and can be contacted at 02-566-0669.

DENTAL EROSION The loss of the hard, outer enamel layer of your teeth is called dental erosion. This can happen as a result of repeated exposure to acid—such as after frequent vomiting, which many women experience during their first trimester.

To prevent dental erosion caused by vomiting, rinse your mouth with a teaspoon of baking soda dissolved in 1 cup of water after you vomit. But don’t brush right away! The rinse will help stop the acid from attacking your teeth and will give the enamel on your teeth a chance to harden again. You can brush after about an hour.

OTHER CONCERNS Dental Radiographs (X- Rays) X-rays are safe during pregnancy. The American College of Obstetricians and Gynecologists recommend the use of a protective lead apron to cover your throat and abdomen during radiographs. In my office, I use two aprons on all pregnant women, just to be on the safe side, and limit x-rays only to those that are absolutely necessary during the first trimester.

Medications Safe options are available during pregnancy for local anesthetic, antibiotics and pain relief medications, as needed. Talk to your dentist regarding alternative drug therapy that can be prescribed. Always double-check with your family physician or obstetrician regarding both the dosage and time these drugs may be taken.

Although treatment is safe throughout pregnancy, you may be most comfortable visiting your dentist during the second trimester. Nausea and vomiting could be a problem during the first trimester, and during the third trimester, you may be uncomfortable when the chair is reclined because of the weight of the baby. Make sure to tell your dentist if you are uncomfortable or feel light-headed during treatment, as the chair position can easily be adjusted to help you feel more comfortable.

In conclusion, don’t avoid treatment during pregnancy! See your dentist (and hygienist) regularly to help keep your mouth healthy. And last but not least, may you have an easy and comfortable pregnancy and birth. Besha’ah Tovah!

WOLFSON MALL

‫קניון וולפסון‬

The Wolfson Mall is a charming shopping center that’s been serving the Jerusalem community for over 30 years. It offers a supermarket, a pharmacy and a wide range of high-quality shops and services. Located on the second floor of The Shalom Mayer Center on Diskin Street in Jerusalem, it is easily accessible by public transportation or car and provides free covered parking.

This month, we’re featuring two of the businesses that offer their services at Wolfson: Avidor Orthotics and Belinda Coffee & Kitchen.

Avidor’s Inside Advice on Customized Orthotics

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hen it comes to musculoskeletal function, our feet are tasked with one of the hardest jobs: carrying the weight of our entire body. Sometimes, their shape or structure isn’t ideal for proper distribution of weight, and this can cause pain—in the feet, knees, hips or other parts of the body. When this happens, our feet need a support.That’s what orthotics are for.

GETTING STARTED Consult a professional podiatrist, either through your kupat cholim or at a custom orthotic center—such as the Avidor Foot Health Center, which has a number of branches, including one at the Wolfson Center in Jerusalem.

THE EVALUATION The foot doctor will look at three param-

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eters: stability, standing and walking. The evaluation will include a static and dynamic assessment.

With Avidor, you also have the option of biomechanical movement testing at their specialized lab which utilizes cutting-edge technology to build a complete picture of how the foot is functioning and how it can be supported for optimal performance.

This is especially helpful for athletes, as well as soldiers, children and people suffering from medical conditions such as diabetes, arthritis or neuro-muscular disorders.

GETTING FITTED Once the problem has been identified, your foot will need to be measured carefully.

Avidor, which has been providing Quali-

ty solutions for 30 years, is the only place in Israel where the Soft Premium Support (STS) technique is used. In this method, the foot is measured while the person is in a supine position; this neutralizes the effect of body weight, therefore achieving the most accurate results.

ADJUSTING TO YOUR ORTHOTICS There is often an adjustment period, during which you may experience some soreness and discomfort even if the orthotics fit perfectly. Stay in touch with the experts who fitted you to ensure that the orthotic fits you correctly, and to adjust it if it’s still not quite right. Avidor offers a warranty and service period that lasts between a year and three years, depending on the type of orthotic.

Store info: Opening hours: Sun - Thu - 9:00 a.m. – 7:00 p.m. Fri – 9:00 a.m. – 1:30 p.m. Tel: 02-561-8708

Back to Nature: Belinda Coffee & Kitchen’s Additive-Free, Nutritious & Appetizing Meals

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he food industry today adds a plethora of chemicals to their products to reduce costs and increase shelf life and profitability. These additives, including flavor enhancers, hormones, preservatives and artificial colors, may make the food look or taste more appealing. However, there is a possibility that the exposure to these additives has been increasing incidence of various food allergies, sensitivities, and disorders, such as Crohn's Disease and gluten intolerance disorders.

To best nourish our bodies, we need to go back to our roots: consuming foods made of natural, simple ingredients, Mother Nature offers us a whole world of flavors and textures to combine and enjoy without a need for enhancers and additives.

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Belinda Coffee & Kitchen lives by this philosophy. A cozy café and bakery situated at the Wolfson Mall, the staff at Belinda is passionate about providing fresh cooked, appetizing and nutritious meals for their customers. Their soups, for example, are made without flour or artificial condiments, such as the MSG-laden soup powders so frequently used in Israel.

They offer fresh breads made with nutritious grains, including spelt, as well as gluten-free breads. The menu includes a variety of original vegan options, such as the Buddha bowl—a hearty combination of brown rice and roasted fresh vegetables in a light curry and coconut sauce— and the Belinda Burger: burgers made of black beans and millet served with a juicy

portobello mushroom and a Sriracha and tahini dressing. Customers also enjoy a wholesome energy boost from Belinda’s popular Power Shakes, made of fruits, nuts and seeds.

People with a sweet tooth looking for more nutritious alternatives to the usual pastries and cakes can find them at Belinda: fresh baked scones and muffins, cookies sweetened only with apple concentrate and no white sugar, and an indulgent, delicious chocolate fudge cake made without flour.

Belinda has been serving customers at the Wolfson Center for the past 16 years.

The staff has developed warm relationships with their regular customers, and they love to welcome new faces, too.

Store info: Opening hours: Sunday - Thursday 8.00- 17.00 Friday 8.00 -13.00 Winter 14.00 Summer Tel: 02-563-3995

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Health & Wellness I Chaim V’Chessed

Meet Chaim V’Chessed’s Newest Team Member Being here for Israel’s English-speaking community is a responsibility that Chaim V’Chessed does not take lightly. Over the past three-and-ahalf years, the once-fledgling organization has exploded into a non-stop chessed operation, with an average of 50 new cases to tackle each day.

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haim V’Chessed offers assistance to English-speaking residents and tourists in all aspects of life, including special education, mental health, geriatrics, government offices, kupat cholim and health care. The organization is departmentalized by areas of service, and each department is staffed by experts in its field.

Chaim V’Chessed’s medical department has been operating beyond capacity for a while. Mrs. Nechama Nulman, department coordinator, acts as the liaison between callers and their healthcare providers, hospital staff and on-site Chaim V’Chessed hospital representatives. The reps, Zevi Weingarten and Aralla Weingarten, are both native Israelis with years of experience interfacing with hospital staff, smoothing out complications and ensuring that patients’ needs are met. Zevi and Aralla circulate between Shaare Zedek and Hadassah Ein Kerem hospitals. They advocate for patients and guide them through the confusing medical terms and foreign hospital mentality.

But the need for hospital assistance just keeps growing. This October, Chaim V’Chessed welcomed a new team member.

Meet Mrs. Shani Wahrsager, a born Israeli who is intimately familiar with the Anglo mindset and culture.

It’s rare for Israelis to work so well with Anglos. What’s your secret?

I was born in Israel, but my parents are American. I grew up in the Israeli system and I have a fluent Israeli Hebrew, but I’ve lived and worked all my life with Americans. I get their mentality and I speak their language.

How did you hear of Chaim V’Chessed?

I’ve been working in the world of English-speaking non-profits for years. Over the past three years, the name “Chaim

ABOUT CHAIM V’CHESSED Chaim V’Chessed is here for you. We are a non-profit organization that helps English speakers navigate all areas of crisis or difficulty in Israel. Our phone hotline operates 9 am –5 pm, Sunday through Thursday, with an emergency notification system that operates 24/6.

To learn more about our multifaceted efforts on behalf of Israel’s English speaking community, or to contact us, visit www. chaimvchessed.com or dial 072-CHESSED (243-7733).

V’Chessed” started coming up more and more. I realized they were doing valuable work. When I was ready to move on, I reached out to Chaim V’Chessed, and with my job history and skill set, the medical de-

partment was a perfect fit.

What is your role?

I work with Nechama Nulman in the medical department. Nechama’s been handling all the behind-the-scenes medical cases on her own until now. My job, ultimately, is to phase into her current role as the in-office liaison.

This will free her up to spend more time in Jerusalem hospitals. Zevi and Aralla Weingarten are phenomenal patient advocates. They accomplish so much and have affected the lives of hundreds of people. But the need is growing. Adding Mrs. Nulman to the hospital representative roster will not only increase Chaim V’Chessed’s presence in the hospitals, but will also offer patients more emotional support.

You’re new to the organization.

What’s your take?

I can tell you one thing: I don’t like being bored, and that has yet to be a problem. It is unbelievable what goes on here.

The amount of people we help every day is mind-boggling. When I told my kids about the amount of cases we handled one day, my daughter said, “What? It sounds like every English-speaker has Chaim V’Chessed on speed dial!”

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TRUST • FOLLOW-UP • ONTIME FLEXIBLE APPOINTMENTS • FLEXIBLE PAYMENTS • GENERAL DENTISTRY • WHITENING • COSMETIC RESTORATIONS THE “OLDEST” DENTAL PRACTICE IN RBS A ...

THE “NEWEST” DIGITAL EQUIPMENT.

Dr. Ari Stern 02-999-6046

DOCTOR OF DENTAL MEDICINE GENTLE DENTISTRY FOR THE WHOLE FAMILY OVER 20 YEARS OF EXPERIENCE

drstern@neto.net.il

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