Bizness Magazine April 2017

SHARING THE MIRACLE OF SUCCESS APRIL 2017

www.biznessmagazine.com

Greater Jerusalem Area Circulation: 21,000 copies

OUR EXPERTS

M A G A Z I N E

Alef Alef Garage Netanel Buta Cohen, Decker, Pex & Brosh Shaindel Cohen Shimon Cohen Sara Genstil Tzvi Lefkowitz Olam HaMizronim Ralph Wigs Int’l Rechavia Dental Center Restorno Rosenblum-Holtzman Moshe Wilshinsky 3D Printers

Etgar Bikes

How the Local Biking Industry is Changing

Bleeckers Bakery

Translating Principle into Practice

Dr. Sara Genstil

How to Explore Relationships by Revealing & Merging Life Experiences

Oraisa Sofer Services The Mitzvah of Writing a Sefer Torah

Hadas Filtration Systems Tips to get More Water into Your Day

Yitzchak Krimsky

All about Acupuncture

Mebereshit Band

Mayanei Hayeshua Medical Center

Keeping Up-to-date in the Musical Industry

Restorno

Step-by-step Restoration

Yeshivas Savaran

A Warm Haven for any Growing Bochur

Egert Cohen

Inaugurates the New

Insurance & Pesach Cleaning

CIRCULATION NOW

21,000COPIES!!!

Bizness Magazine is now online WWW.BIZNESSMAGAZINE.COM

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Come enjoy the best that Jerusalem has to offer with a menu of fine food, beautiful ambiance

and a lifetime of memories.

At Kedma MIDTOWN you’ll find a magnificent banquet hall and banquet garden- right in the heart of Jerusalem. Kedma MIDTOWN, a new venue by Kedma Neve Ilan, celebrates more than just weddings.

Our banquet hall is modular and can accommodate from 200 to 800 guests, helping you create the proper ambiance whether it’s a large wedding, small intimate family gathering or formal corporate event.

Kedma MIDTOWN is centrally located; close to the Begin Highway, the Old City, and the southern entrance to the city; and is easily accessible by public transportation.

02-534-0800

info@kedma-midtown.co.il

058-707-0021

www.kedma-midtown.co.il

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M A G A Z I N E

Letter from the Editor

SHARING THE MIRACLE OF SUCCESS

Editor in Chief Ariel Topf

Dear Readers,

Business Development Yisroel Meir Simon

I have dealt with entrepreneurs all my life. I have trained thousands of people who wanted more out of life than what they had. They all said they wanted to be successful.

Some wanted money to buy everything they needed. Others wanted to avoid financial difficulties. Some wanted the freedom to do what they wanted. That’s what most had in common. What differentiated the winners from the dreamers was what they were willing to do to accomplish their goals.

Chief Designer Adam Ram Editorial Manager Aviva Sapir Contributing Editors Ilana Brown, Tully Bryks, Rachamim Kennard, Karen Wolfers-Rapaport, Keren Yekutiel How to reach Bizness Magazine

The people who became successful were the ones who had a real desire, almost a passion for success. They had defined goals. They had written goals of where they wanted to be ten years down the road and a plan to get there. These entrepreneurs who wanted to make a million shekels a year and were serious about it had their goals broken down.

The first year in business they would shoot for 100,000, the second year for 250,000 and so on.

Is it really possible to make 100,000 shekels a year? Let’s break this down. It’s about 8,000 per month. Let’s break it down more. It’s about 300 per day. Now it sounds less intimidating and more realistic. But still, how do I make 300 per day? Well, I need to make one sale per day.

How do I make one sale per day? This is for many salespeople and business owners the “million dollar question”. The answer is very simple. Make six appointments per day with prospects and close one of them.

The above exercise is not a rule. Do not expect these results from every product or service. There are many variables such as industry, product, geography, competition and demographics. Each person is also different in terms of skills, desire, attitude and learning curve. A salesperson must discover what his/her numbers are as early in the game as possible. What you should expect, though, is that simply breaking down your yearly goals to monthly, daily and even hourly activity, you will produce the results you want as long as you have a decent product at the right price and you are willing to stick to your plan.

Sales is a “numbers game”. Find out what your numbers are, “do your numbers” on a consistent basis and you will enjoy the results.

Ariel Topf ariel@biznessmag.com

Advertising

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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. Each business opportunity and/or investment inherently contains certain risks.

It is suggested that prospective business people, potential patients and clients, and all readers consult their doctors, attorneys and/or financial advisors before applying any of the information that is publish in this magazine. Bizness Magazine makes content available with the understanding that the publisher is not rendering legal services or financial advice, business advice, medical advice or any other type of advice. Editorial content, articles and interviews may be paid advertising. Bizness Magazine does not endorse or recommend any products or professionals. Although persons and companies mentioned herein are believed to be reputable, neither Bizness Magazine or its publisher, parent company, nor any of its employees, sales executives or contributors accept any responsibility whatsoever for their activities. We assume no responsibility for unsolicited material.

Manuscripts, artwork and photographs must be accompanied by stamped, self-addressed envelopes. We reserve the right to publish in whole or in part all letters received by us. All letters, sent to Bizness Magazine will be considered the property of the Magazine. All remarks, suggestions, ideas, creative concepts, graphics, or other information communicated through this magazine or otherwise sent to its publisher (together the ‘Submission’) will forever be the exclusive property of Bizness Magazine., who will not be required to treat the Submission as confidential, and will not be liable for any use or disclosure of the Submission, and need not provide any compensation or acknowledgement for the Submission. Under no circumstances shall Bizness Magazine, or its affiliates, subsidiaries, or related companies and web sites, be liable for any damages whatsoever (including, but not limited to direct, incidental, consequential, indirect or punitive damages), harm, or injury that relate to, arise out of, or result from the use of, or access to, or the inability to use, any of the materials of this magazine, or are caused by any failure of performance, error, omission, interruption, defect or delay in printing. Bizness Magazine is printed in Israel and all rights are reserved. No portion of this magazine may be reproduced without written permission of the publisher.

Ariel has built several companies on three continents in the fields of internet, retail, wholesale, franchising, direct sales, high-tech, employment, food manufacturing, food supplements, clothing manufacturing, pet nutrition, personal development, restaurants, advertising and publishing. In this process, Ariel has headhunted, hired, trained and managed over 20,000 individuals.

Thanks to the many readers who called and emailed in response to an image of a sefer Torah with Shem Hashem in our past issue.

As per the psak we received, we placed notices in buildings and Shuls in Jerusalem and Bet Shemesh, we distributed flyers and posted in email lists advising people to treat the content as befits its kedusha.

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Bizness Magazine

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STOP SPINNING YOUR WHEELS

& Go to the Bike Experts

or a lighter bike for higher speeds? Also, think about bags, water bottles and other accessories for your ride.

What advantages do you have over local community bike shops?

Reasonable prices, expert consumer care, and access to professional repair services, for both regular and electric bicycles, are our forte. We also offer a rental service, and we arrange guided tours of our stores to groups. We are committed to the customer and not to any specific manufacturer. With our large selection, our bike shop will find the right bike for you at the ideal price level.

Interview with

Shabtai Gelbach,

Owner of the Jerusalem branch of Etgar Bikes Etgar Bikes is a chain of bike stores that is bringing a new approach to biking in the religious neighborhoods.

What sets your bike shop apart?

We fill a need in the chareidi and religious world, and provide a vast selection of the best bikes. Before we opened our doors, people in these communities had to rely on private home sales or small stores with just a few types of bikes. We not only have a large range of bikes, but accessories and everything you need for a safe and enjoyable ride. For field trips, our Jerusalem branch also has field equipment such as bags and tents. If you are not sure you want to buy a bike right away, you can rent one and see if you like it. We also have a professional repair service.

Unfortunately, Israelis are perceived as being lax regarding wearing helmets, how do you address this serious issue?

We take bicycle safety extremely seriously. That is why we have a large range of helmets and safety accessories. We impress upon each customer the importance of bike safety and having proper gear. We stock helmets of all sizes as well as lights and locks for added security.

Who are electric bikes suitable for?

Anyone who wants to reach their destination quickly and comfortably can ride an electric bike. Yeshiva students and working people use them, as well as parents who need to rush their kids to gan or people who need to make a minyan. Once you try an electric bike, you’ll enjoy the speed and convenience.

What should I consider before purchasing a bike?

First, it’s important to select a bike which is the right size for you. Second, think about what kind of bike you need. Do you prefer a sturdy, heavy-weight bike 1-599-59-59-49

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Expert

PSYCHOLOGIST

A System for Building Yourself and Your Surroundings

By Dr. Sara Genstil

Dr. Sara Genstil, PhD, is a seasoned psychologist with over 35 years of clinical experience. Equipped with a BA and MA in Social Work from University of Southern California and a PhD in Clinical Psychology from the California Graduate Institute, Dr. Genstil provides counseling for individuals, couples and families. She has experience working with clients both privately and through organizations such as The Ministry of Defense and National Insurance, working with terror victims and their bereaved families. Dr. Genstil is a member and presenter for the International Association for Psychoanalytic Self- Psychology.

Whether it’s depression, anxiety, eating disorders, psychosomatic illness, relationship difficulties, or trauma, Dr. Genstil understands how to target challenges at their roots in order to facilitate authentic change and healing.

Dr. Genstil is an expert in Intersubjective Systems Theory and utilizes it to bring about the change and healing that is a hallmark of her practice. Under the tutelage and post-doctoral training of Dr. Robert Stolorow, the world’s leading authority in the Intersubjective Systems approach, Dr. Genstil acquired the experience and depth necessary to bring to life this most powerful tool for change.

Let’s take a closer look at this approach and how it works.

Based on the notion that if one part of a system changes, the entire system changes as a result, Intersubjective Systems can be applied to individual, family, couple and even teacher-student dynamics. This approach posits that a healthy system can only be established by each individual examining themselves and their behavior within the context of the greater environment, the greater “system.”

But how do you “examine” yourself?

Here, you are asked to look at your perception of the world based on life experiences and see whether or not these perceptions hinder or help your development, your happiness, your quality of life….

In Intersubjective talk, this is called “organizing principles”.

“I am stupid. I am not worthy. I am incompetent.” These are examples of destructive “organizing principles”. These are the perceptions that leave you stuck, and leave your system — your family life, your relationships, your professional world — stuck.

During the course of treatment, Dr. Genstil, partners with you 10

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— honing in and identifying perceptions and principles that have left you trapped and unable to proceed forward towards healthy living.

This begins the process of becoming self-aware. Once these false perceptions or organizing principles are discovered, Dr. Genstil encourages clients to take responsibility for their actions, for their “principles” and for their change. Remember, once part of a “system” changes, the entire system will follow suit.

As you acknowledge that which has hindered your life force, your authentic self, you will shift, and so will the system to which you belong. You will have an effect on your intimate relationships, your parenting, your community. Your true self will emerge.

Dr. Genstil’s approach has been effective for all types of challenges. Whether for acute trauma, or chronic unhappiness, the Intersubjective Systems Theory has been proven to work and garner results.

Dr. Genstil has a success track record in helping patients leave behind old perceptions of themselves and create new ones that will benefit them and their families, their careers and community.

Dr. Genstil works with individuals, couples and families.

Bizness Magazine

052-260-9087 saragenstil@gmail.com

02 999 3939

Wishing all our clients a

Chag Kasher V’Sameyach!

Our restaurant will be closed from April 1st-18th.

Looking forward to serving you after Pesach!

02-655-8847 4 Zeev Vilnai St., Kiryat Moshe

DEEPER THAN

Interview with Oren Ben Shimshon, CEO and Founder of AquaMelah Oron Ben Shimshon is the CEO and founder of AquaMelah, a leading Israeli company specializing in custom-designed aquariums, decorative pools and waterfalls. We were delighted to get the chance to speak with him personally.

How did you get interesting field?

involved

in

this

The aquatic world always fascinated me; there’s something particularly soothing and hypnotic about it. I’m extremely lucky that I could convert my hobby into a profession, and now I can share my passion with others and beautify their homes with our custom-made aquariums and ornamental pools.

Fo r w h o m a re yo u r p ro d u c t s s u i t a b l e ?

Our aquariums are suitable for anyone who wants to decorate his home or work-space with something unique and prestigious.

Our clients range from private homes to large institutions such as nursing homes, hospitals, event halls, government offices, gyms, dental clinics, etc. Aqua-melach aquariums are custom designed, and there is virtually no limit to how personalized they can be.

What inspires you?

My father, of blessed memory, passed away two years ago.

He instilled in me the enthusiasm and motivation necessary to succeed in life. He told me to treat each product I build as

though it were my own, and that’s the advice I always follow.

Each time I build a new aquarium and see the excitement on the customer’s face, I become more motivated and more driven to excel.

Does an aquarium offer anything more than decoration?

I used to work in rehabilitation centers and I learned that an aquarium and flowing water can have a positive effect on mind and body. Studies have shown that observing an aquarium can lower blood pressure, lower mental tension, and stabilize the heart rate. Therapists have advised people to relax in front of an aquarium prior to painful medical surgery.

What part of your work do you find most challenging?

It’s always difficult to design and engineer a product to the highest standard, but the real challenge is adapting an aquarium to meet the customer’s exact requirements. For example, I built an aquarium for the Eliya Association, which is an organization for children with severe vision defects. I had

Bizness Magazine

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BEAUTY

to carefully consider how to decorate and color the aquarium, so the children could appreciate the design and observe the movement. Thankfully, I was successful and watching the children enjoy the aquarium is especially heartwarming.

However, there are challenges involved when creating a complex construct. No two aquariums are alike, each one is individually and uniquely designed and requires a different building strategy.

How do you manage the installations?

I have workers and installers assist me with all my field work, but I need to be present at every job. I could never allow an employee to install an aquarium alone. I am a perfectionist, and I make sure that my work is always flawless.

What is your flagship product?

The plasma aquarium–it has become the latest trend in Israeli furniture, mainly due to a Channel 2 broadcast about our

Aquariums | Ponds | Waterfalls

company. People realized that this isn’t simply a fish-tank, rather it’s a wall-mounted plasma aquarium, with innovative technology, such as a fully automated fish feeder. I call it a ‘lazy aquarium’, perfect for people who love having a beautiful and luxurious home decoration, which requires minimal exertion.

What advice would you give to a young entrepreneur who wishes to create his own product?

First and foremost, love and cherish the product, or you won’t succeed. Secondly, you must remain fully committed and self-motivated. This isn’t always so simple, but if you put all your effort into your business, you will reap the rewards.

Finally, strive to create a unique product which fills a niche in the market. Many companies design similar products to ours, but the plasma aquarium is our own invention.

02-375-0003 www.aquamelah.co.il aquamelahcoil www.BIZNESSMAGAZINE.com

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The Mitzvah of WRITING A SEFER TORAH

may be within your reach When it comes to shmiras hamitzvos, Torahobservant Jews have lots to be proud of. Many of us don’t even notice how all-encompassing some of these mitzvos are. From Shabbos to kashrus to brachos, we B’H have the zechus to constantly be engaged in Torah and mitzvos. The Torah community understands that we were not given 613 suggestions; we were given 613 commandments.

Yet despite our best efforts, one Mitzvah seems to be elusive to many. The reality is that the Mitzvah of writing a Sefer Torah (Mitzvah 613 in the Sefer Hachinuch), the Mitzvah of writing the very words that Hashem gave us at Har Sinai, is often only able to be observed by a handful. More often than not, finances are an obstacle. But for those of who never imagined having the capacity to write a Sefer Torah, this Mitzvah may appear to be out of reach.

Not being able to fulfil this Mitzvah can be disconcerting, especially in light of its many benefits. While the main reason to write a Sefer Torah is because Hashem told us to, and the main personal benefits will be in Olam Haba, here are just a few examples of some of the practical merits, in this world, of writing a Sefer Torah: x Great parnassah (Michtav Sofer) x Arichas Yamim (Chidushei Harim) x Protection from Ayin Harah (Talmud Eruvin) x His children will become

chachamim (Sefer Hachinuch)

x Considered as if he received the Torah

directly from Har Sinai (Talmud Menachos)

x Segulah for having children and raising them well

(Sha’ar Bat Rabim, Parshas Noach and Chakrei Lev)

And while some maintain that one can fulfill this Mitzvah through writing any sefer, the Chofetz Chaim, in Sefer Ha-Mitzvos HaKatzar, rules that even if someone writes a sefer, he should still 14

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We would like to acknowledge and thank the many people who called and emailed in response to the previous article. Rabbi Greenwald was so impressed by the genuine care and sensitivity that people had for the Kedusha of the Sefer Torah and the Shem Hashem.

write, or pay someone else to write, a Sefer Torah.

Plus, not everyone is ready to publish their own sefer. When writing the Mishna Brura, the Chofetz Chaim dedicated over a year just to delve though the halachos of the letters of the Sefer Torah!

So how can someone fulfill the mitzvah of writing a Sefer Torah despite the apparent financial obstacles? Thanks to improvements in training and efficiency, and thanks to living in Israel, the cost of writing/purchasing your own Sefer Torah may actually be within your reach! And even if the surprisingly low prices are still too much for you, you can always partner with others, reducing the cost proportionately to the number of partners.

While not everyone agrees that one fulfils the Mitzvah when partnering with others, many opinions hold that you do, so it’s a good backup plan.

Ultimately, you can never really know if writing a Sefer Torah is within in your reach until you call to find out. And once you do make the call, you may be surprised to learn that you will able to obtain your very own Sefer Torah, and do your part in elevating the mitzvah of writing a Sefer Torah to its proper place alongside the other Taryag Mitzvos.

Rabbi Avraham Greenwald is the founder and owner of Oraisah, a consulting firm which specializes in professional advice on purchasing Sifrei Torah, tefillin and mezuzos. They walk you through the entire process from initial inquiry to actual purchase.

You are provided with detailed pictures of each item, and real samples are available upon request so that you are fully equipped to make an educated decision.

And aside from excellent and objective service, you’re spared the expense and hassle of having to schlep from vendor to vendor. With over 30 years of experience, Rabbi Greenwald may shock you with his amazing service and even more amazing prices!

To obtain an honest an reliable quote contact him at 052-598-4568 or at OraisaStam@gmail.com .

Bizness Magazine

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Here’s Why You Should Drink

MORE WATER (And Four Tips to Help You Do It Easily)

You may already be aware that doctors and nutritionists recommend drinking eight full glasses of fresh water every day, but not everyone knows exactly why. The reason is because our bodies rely heavily on— you guessed it—water, to help it function at its absolute best.

You will be surprised to realize just how thirsty you were, and will feel wonderfully refreshed and awake afterwards.

Water not only aids the proper digestion of food but encourages toxins to be flushed, regulates our temperature, and enables vitamins and nutrients to be transported more effectively around our bodies. But that’s not all that water does.

Another easy way is to remember to drink a full glass of water around 15-20 minutes before each meal or snack. The advantages here are twofold. Firstly, you may discover you weren’t as hungry as you thought (because you were actually thirsty). And secondly, it can help curb cravings, meaning it will be easier for you to make healthier food choices and stick to moderately-sized portions.

Did you know that mid-morning sugar or salt cravings can actually be caused by thirst, rather than true hunger? Or that dehydration can be the culprit behind headaches and late-afternoon energy slumps? Even if you don’t think you feel thirsty, your body could be sending you one or more of these warning signs to motivate you to drink more water.

Especially with Pesach just around the corner, it is even more crucial that we replenish our stores and refresh our bodies by drinking plenty of water. But this isn’t just because we use up so much energy during pre-Pesach cleaning! Getting enough water before and during the entire week of Pesach will help your body cope with any effects you may feel from drinking four cups of wine during the seder, as well as encourage the proper digestion of a week’s worth of matza.

The health benefits of drinking plenty of water are boundless. Not only will you feel refreshed, brighter, and more energetic with your water levels topped up, you’ll also feel more full and satisfied between meals!

So how can we make sure we get enough fresh water every day? It is easier than you think. Here’s four simple tips that will help you incorporate more water into your day.

1. DRINK A FULL GLASS AS SOON AS POSSIBLE AFTER WAKING UP

One of the most effective ways to sneak an extra glass of water into your day is to drink a glassful as soon as you can after getting up–and yes, this means before you make your first coffee or tea of the day.

2. DRINK A GLASS BEFORE EACH MEAL

3. TAKE ALONG A WATER BOTTLE

Carrying a water bottle is a sure-fire way to help you easily drink more water throughout your day. It will also help prevent you from buying expensive convenience drinks like smoothies, juices, or sodas while you’re out, saving both your wallet and your waistline! In addition, there is a wide range of colorful, designer bottles available that make drinking water—and carrying them around—much more fun.

For warmer months, look for water bottles that come with an internal ice stick. With these, you can freeze the stick overnight and pop it in your water bottle in the morning, so you can sip refreshing, chilled water at work, or any time you’re away from home.

4.ADD A LITTLE FLAVOR

Drinking water doesn’t have to be boring! If drinking plain water is difficult for you, there are many different ways you can add flavor, without adding sugar or calories. You can pop in some fresh lemon or apple slices, cubes of melon, or a few springs of mint in your glass or pitcher of water for a nice twist. You can also try making refreshing herbal iced tea with a (non-caffeinated) tea bag.

By following these simple tips, you can easily make drinking water an important part of your day. And best of all, you’ll start reaping the health benefits immediately. Try it and see the difference for yourself!

HADAS FILTRATION SOLUTIONS believes that everyone should have access to clean, fresh, and amazing-tasting water every single day of the week–including Shabbos and holidays. Hadas’ newly released, innovative NOGA MEHADRIN WATER MINIBAR has a Shabbos mode which is approved for hot, cold and warm water by the Badatz Eidah HaCharedit.

The NOGA MEHADRIN MINIBAR is designed especially for families, safer than the countertop electric urns and more convenient for parents who need warm water for baby bottles at any time of the day or night. The extra-generous water tank will keep you supplied for the whole Shabbos or Chag.

Noga Mehadrin is the only minibar whose Shabbos setting has the outstanding certification of the Badatz Eidah HaCharedit Yerushalayim.

For more information or to order please call *2161 16

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Expert

INSURANCE

Pesach – Insurance Cleaning Manual

By Shimon Cohen

It’s that time of year – renewal, spring, new starts and … Pesach cleaning!! In that spirit, we offer you the Egert and Cohen Pesach / Insurance Cleaning Manual 1. Simplicity: Like most people do you have “layers” of insurance policies? Some from old places of employment, some from pesky telemarketing salesmen, some from the “Old Country” and even some from Egert and Cohen!

It’s always a good idea to get all the paperwork together and have your agent or financial advisor look over it.

2. Pensions/Life Insurance: Through a government website, we can now get all of the pension and life insurance policies from all your previous and current workplaces – very useful.

We at Egert and Cohen provide this service for a fee (free for our clients). We will study, advise, and give you a written report.

3. Health insurance: This is an area that is full of confusion for most. What does the Kupat Cholim give me (Adif, Sie, Zahav, etc.) and what do the private insurance plans offer?

Again, call and check.

(By the way, we at Egert and Cohen are advising all our clients to purchase a basic private health policy, covering operations overseas, transplants and medicine not covered by the Kupah. Cost is reasonable – e.g. approximately 80 NIS a month for a family of three. This fills in the gaps left by the Kupot Cholim coverage.)

4. Mortgage insurance: Check with your agent to ensure that you have the best deal here for both life and property coverage.

5. Travel insurance: Here I would davka not necessarily go for the cheapest cover! The travel insurance through Kupat Cholim could be the cheapest but if you have a claim, who will deal with it? Who will issue the policy you forgot about as you board the plane? At Egert and Cohen we personally deal with all your claims and our prices are good!

6. Motor Insurance: This is probably the most competitive area of insurance in Israel today. It’s certainly worth comparing prices but at the same time think of the following scenario: It’s a rainy Jerusalem night and your car has broken down. Do 18

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you have an insurance agent who will answer (politely!) and help you? It might be worth the extra few hundred shekels.

7. Claims: In the past month alone, we have had two clients who “lost” expensive diamond rings, were paid out, and then found the rings! (I’m not sure if it’s to do with Pesach cleaning or not.) Please check your own policy’s requirement for expensive rings – usually they have to be worn or in the safe.

8. Life Insurance: For all those with US policies, please get in writing from your company that you are covered: a) in Israel; and b) for active and passive warfare (or take out a slightly more expensive Israeli policy).

Bizness Magazine

We wish all of our friends and clients a Chag Kasher VeSameach!

02-623-2546, 050-548-2192 www.egertcohen.co.il

02 999 3939

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Expert

ACCOUNTING

Forensic Accounting

For corporations and small businesses

By Shmuel Rosenblum, CPA, LL.M., CIA, CFE, Rosenblum-Holtzman CPA

Our Sages, blessed be their memory, gave the following selfevident advice: “Those who wish to lose their money will hire workers and will not “sit” with them.”

The principle is extremely simple; a business owner must exercise control over his business! However, this doesn’t necessarily imply that one should suspect everybody of wrongdoing.

The owner must be present; he is responsible for supervising his business and his property. An owner must act in order to reduce the possibility of his employees, those who operate the business, to be enticed or tempted.

We interviewed Shmuel Rosenblum, a partner in RosenblumHoltzman, and we were intrigued by his thoughts on the matter: “The problem,” he explained, “is that not every investor or partner in the business can “sit” with the workers ... Sometimes it is a shareholder or a partner who lives in Brooklyn or London, and the business activity is in Jerusalem or Petach Tikvah. For example, real estate, industry, import and export etc.”

According to Rosenblum, in such a case, it is essentialto hire someone to give some analyses and assessments from time to time. This person should check the accounts, make sure the employeesare honoring their contracts, and the silent partner’s rights are being protected. Rosenblum informed us that, “we have customers who hire us for a few hours, just to ensure losses are prevented, and to represent them in day-to-day management.”

During the discussion, he revealed that his firm is working in another, fascinating field: The profession of accounting is perceived by many as dull and monotonous, but this isn’t necessarily the reality. Nowadays, this profession includes many diverse and exciting fields, one of which is the field of investigative auditing, known as ‘forensic accounting.’

The instinctive connotation is with the concept of detective work, but the basic essence of investigative auditing is the examination and in-depth investigation of significant financial events. This is carried out on a significantly larger scale than those carried out in the framework of routine auditing. Rosenblum proclaims that his firm specializes in this field.

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Rosenblum explained that “experience in a variety of events created a special niche that helps organizations to clarify accounting disputes and to identify and quantify financial irregularities. Today this is called forensic accounting.”

Rosenblum emphasizes that “engagement in investigative auditing requires confidentiality. An economic organization or individuals who have encountered fears of financial irregularities are sometimes willing to forego the claim or the exposure of failure.”

Rosenblum stressed that “anyone involved in the field must internalize that he is not entitled to publicize his ‘successes.’”

For example, Rosenblum-Holtzman’s recently dealt with a corporation which was entitled to royalties for a patent that was sold to a company operating abroad. According to Rosenblum, the methods for presenting the sales, from which the compensation was due to the Israeli company, were subject to ‘accounting games’. Accounting knowledge was required to identify methods that were legitimate, but still had a dramatic effect on the compensation to which the patent company was entitled.

If the foreign company abroad used a legitimate accounting method – what could the Israeli company claim?

“Well, one would need to determine what was included in the original compensation contract. In this instance, we revealed that the client deliberately presented its net sales, minus the commission for the distributors. This commission, which was deducted from sales, included payment for a logistic distribution center for a product Rosenblum added that “we discovered that the royalties contract stated explicitly that expenses for distribution facilities wouldn’t be deducted from net sales, regarding the compensation calculation. The result of the audit was that the Israeli company received a check for several millions. In this specific situation, were we not practicing accountants, who have experience with financial presentation, we may not have achieved that result. Accounting expertise can yield surprising results, especially when dealing with complex financial considerations. I should mention that the international network ‘Morrison KSI’ assisted us.”

Is your basic premise that everyone is suspect?

“Quite the opposite; our motto is that “G-d created man

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honest.” This is the idea by which I operate; one must judge everybody favorably. Working in financial investigation isn’t a license to slander. If an investigator is motivated to find something amiss, and thereby please his employers, he will ultimately fail.”

Rosenblum stressed further that, “one mustn’t assume this is an elaborate game of ‘cops and robbers.’ The role of investigative auditing is also to assist with litigation, arbitration, to provide support to lawyers, to offer professional opinions on loss of profits, and more. The areas which are included within the framework of investigative auditing are very diverse, and include, inter alia, working in courts.”

Can investigative auditing assist the daily functions of corporations?

“Our experience of dealing with fraud and embezzlement gave us the ability to develop methods which can prevent such occurrences. Typically, fraud and embezzlement is dealt with after the fact, but our wealth of experience has enabled us to tactically preempt financial misappropriation.

I am often asked to assist companies with developing systems which help prevent fraud. Ultimately, such programs benefit employeeswho may be struggling financially, and would otherwise be tempted to make a foolish decision. However, our organization has developed certain mechanisms which ensure it’s extremely difficult to commit embezzlement, and this ensures that no employee is tempted. Most companies and businessmen

are now interested in pre-empting and neutralizing financial irregularities.”

According to Rosenblum, “preemptively blocking the possibilities of financial crime can greatly assist a business. We use our accumulated investigative experience and knowledge to enable a company to close loopholes and potential fraud possibilities”.

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 valuations. With over 100 employees, Rosenblum Holtzman provides a top tier professional service, while simultaneously allowing clients to receive personal attention from the partners.

Rosenblum-Holtzman CPA

Masada St. 7, B.S.R. Tower 4, Bnei Brak TEL 03-6092020 FAX 03-6091113 rhcpa@rhcpa.co.il • www.rhcpa.co.il www.BIZNESSMAGAZINE.com

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Interview with

Shlomo Stein,

owner of Bleecker Bakery Beit Shemesh Tell me about the background of the Bleecker Bakery franchise.

The first branch was in Petach Tikva. It’s been in operation for 9 years. Today we have grown to 27 branches throughout the country.

What is the atmosphere at Bleecker’s?

Our branches are designed like European cafés, with a warm and homey atmosphere. We treat the café like our home, and therefore our customers are our guests. We know our customers and what they like, so you might see many customers just taking a seat, without even ordering, and we know just what to bring them.

What brought you into the food industry, and in particular, to open a restaurant?

I love to host and to watch people enjoy good food.

What is your favorite dish?

Our “Bakery Croissant”—a butter croissant with cream cheese, smoked salmon, and two sunny-side-up eggs, served with a side salad.

We understand parents who come to eat here… we are parents ourselves.

We also have dessert menus and seasonal beverages.

We will soon be launching our summer menu, which will include decadent beverages with lots of chocolate and whipped cream, as well as sorbet, healthy beverages, and coffee beverages, all very high quality.

What do Bleecker Bakery membership cardholders get?

Our membership card provides a 7% discount on every meal, a complimentary birthday dessert, and 2 cups of coffee on the house for your anniversary. (Unfortunately we are unable to combine special offers.)

We also notify members of limited and exclusive offers.

What do you most enjoy about your work at the restaurant?

Seeing how satisfied our customers are, and how well our staff gets along.

What is a popular alternative to standard pizza and pasta for those allergic to gluten?

What advice would you give someone who is starting out in the restaurant business?

We don’t get many requests for gluten-free options, but we now offer gluten-free bread and can adapt the standard dishes for whoever asks for it. However, it’s important to note that we cannot guarantee no cross-contamination, as we bake with wheat on the premises.

Choose the right franchise… and get plenty of sleep before you start!

What’s the hardest thing about running a restaurant?

Translating principle into practice.

To believe in what I’m doing and do it all the way. We believe in the small details.

What principle do you put into practice at your restaurant that could apply to any kind of business?

Give it your all, with all your heart.

What was the strangest request you’ve received, and how did you meet it?

A client asked to hide a ring in one of our desserts (for a marriage proposal). We passed the ring to our dessert staff and created a very memorable dessert!

Do you have any special menus?

We have a children’s menu with assorted selections, priced reasonably with families in mind. It also includes activities to keep the little ones busy so their parents can enjoy their meal.

02-9919700 www.bleeckerbakery.co.il

Do you offer catering services?

Yes. We can accommodate the needs of the customer. You can host an event here at the café, or you can take home assorted platters, such as mini sandwiches, cheese platters, quiches, salads, sweets, and more.

s lafel Ball a F h c a in Sp Bleecker ’s Ingredien

ts:

ach pped spin 250 g cho pped onions 100 g cho crumbs 15 g breadur 10 g of flo 5 g of salt

black 1 g ground r e pepp 1 g cumin 2 eggs arella 30 g mozz esan cheese rm a P 20 g

e eeze out th Directions: inach, squ ieces (so that sp e th in p d stra large 1. Thaw an well and chop into l be cut). il w ry s e v e v r a te le wa spinach e n, th f o s d add onio the rib a bowl an umin, mozzarella to in h c a spin er, c 2. Put the s, flour, salt, pepp ients together. b d m re g ru c in d ll a a re b and mix n sa e rm a mix. and p ntinue to r gs and co g e e th lafel balle d 3. Ad a classic fa ur (until g n si u s ll out an ho 0 gram ba 4. Make 2 the freezer for ab in e c and pla lls, ver the ba firm). h oil to co et a dark g u o n e h til you g g pan wit Heat fryin s in flour and fry un ll a b e roll th lor. golden co

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Products for sale at Gal Hachashmal include a large range from kitchen appliances, such as refrigerators, range hoods and dishwashers, juicers, blenders and food processors, to air conditioning units and more.

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Expert

Real Estate Law

Interview with Advocate Yaakov Cimerring, of Cohen, Decker, Pex & Brosh Law Associates What three things should one have in mind before buying a property?

The three things that a potential buyer should always have in mind before purchasing property are as follows: 1. Make sure you have enough capital for the transaction, otherwise you might find yourself in breach of the contract due to something that could have been avoided.

2. Check if the seller is the real owner of the property. This can be done by looking at the Tabu Certificate at the Land Registry Bureau. This certificate gives the buyer the reassurance that the owner is an officially registered owner of the property. It also tells the last registered size of the property. If the size is larger, you may want to check that the extension was done legally so there will be a smooth transfer of the name through the necessary government legal process without any hitches. In the event that the property is not registered in Tabu, it could be that the prior purchase was made under the Israeli Land Authority (Minhal Mekarkey Yisrael). If the prior property contract is not found in either place, then one can check at the relevant housing company. Your lawyer, of course, can perform this research for you.

3. Is the property sellable? Make sure there are no warning notes, mortgages or disposition court orders that cannot be removed from the property.

At what point does a real estate lawyer need to be involved in the process?

After finding a property and setting the purchase price, and prior to signing any documents, it is important to consult with a real estate lawyer to make sure that there will be no surprises in this potential transaction.

Does it make sense to look into mortgages before finding a property?

Definitely. As mentioned above, prior to purchasing any property, one must know his maximum budget. A vital part of this may be knowing whether the bank will approve a mortgage for you, and trying to secure the best interest rates available.

Do real estate agents and lawyers usually work in conjunction?

It is important to understand the difference in the roles of each of the players in the transaction. It is the lawyer’s job to protect the client. First, he must make sure that the legal aspects of the property transaction are met, and second, he must make the client aware of all the legal ramifications of the contract. They don’t need to officially work together, but it’s good that the lawyer and real estate agent have a good professional working relationship.

What is a zichron devarim and do you recommend signing one when purchasing an apartment?

A zichron devarim is a memorandum of understanding that can be used as a pre-contract agreement. Usually it states the general 24

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conditions of the transaction, such as the price, the delivery date of the property, etc.

It is important to know that signing a zichron devarim may have legal and real estate taxation consequences. Therefore, it is very important to consult with a lawyer prior to signing any document.

Sometimes a party will try to pressure the other side to sign such a memorandum of understanding. We have had several clients contact us for assistance after having already signed such a document without understanding all the implications. It is therefore important not to sign any document, especially when it comes to real estate, without consulting a lawyer beforehand.

What taxes need to be paid when purchasing property? Do they differ if you own another property, in Israel or abroad?

Both the seller and the buyer are subject to tax payment in such a transaction. The buyer has to pay purchase tax, and the seller has to pay betterment tax. If someone owns more than one property, he is subject to a higher tax rate. Further variables could affect tax rates as well.

Olim and people who do not own another apartment may be eligible for tax discounts. There are different types of taxation discounts, therefore we advise to consult a lawyer who is familiar with Land Tax Laws and can make a tax payment simulation prior to the purchase.

What happens if a buyer has an engineer or architect inspect the property and finds there are either hazardous materials used or structure or insulation problems?

When such a situation occurs, it is important to understand the full implications of this situation and the buyer may want to think again if he still wants to buy the property. Usually, whenever a malfunction is discovered in the property it affects the price of the transaction!

What if a property contains an illegal addition, such as an opened up chalal? What are the legal ramifications for the buyer?

Such situations have to be taken into consideration in advance of signing the agreement, including how it affects the price of the property. The legal responsibility for such cases will usually be placed on the seller.

Cohen, Decker, Pex, Brosh Law Offices is an Israeli law firm that provides legal services on a wide range of issues including :immigration law, commercial law, Israeli real estate law, inheritance law, labor law, corporate law, laws regulating not for profit organizations, tax law, contract law and legal representation in the courts of Israel.

Bizness Magazine

Jerusalem Branch (+972)2-9998951 www.lawoffice.org.il

02 999 3939

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The Inauguration of the Ryzman MRI Unit at the Mayanei Hayeshua Medical Center In the presence of Gedolei Yisrael , Rosh Yeshivas Ponevezh–HaGaon Rav Povarsky Shlita, The Modzitzer Rebbe, Rosh Yeshivas Chevron–HaGaon Rav Chevroni Shlita, the Minister of Health– Rabbi Yaakov Litzman, the President and Founder of the Medical Center, Dr. Moshe Rothschild, and the directors of the HMOs and leaders of the Israeli Health Care system.

A

historic moment in Bnei Brak occurred recently when the Ryzman MRI Unit was inaugurated in Mayanei Hayeshua Medical Center. The ceremony was held in participation with the philanthropist R’ Zvi Ryzman, and his wife Mrs. Betty Ryzman, from Los Angeles. The event began with R’ Zvi affixing the mezuzah on the door of the newly donated unit.

Also in attendance was Rav Chananya Cholak, the director of Ezer M’Tziyon, Rav Elimelech Firer, the director of Ezra L’Marpeh, and HaGaon Rav Yosef Hoffner Shlita. In honor of the donors, the unveiling ceremony was attended by the benefactors of the Ryzman family, the Minister of Health, and the hospital’s department heads.

Afterward, a reception was held in honor of the donor and his family. Many guests from Israel and abroad participated and the event was opened and presided over by the Director-General of the Medical Center, Shlomo Rothschild. The donor presented the new MRI machine for the city of Bnei Brak, which has a population of almost two hundred thousand, which has so far lacked this vital necessity.

The Director quoted the words of a member of the Halachic Committee of the Medical Center – Maran Sar HaTorah, Rabbi Chaim Kanievsky shlita. The donator had previously asked the Rav about the laws of precedence in charity, and the Rav explained to him that donating to Mayanei Hayeshua was certainly a priority. Dr. Rothschild also added that in recent years Mayanei Hayeshua has almost tripled the scope of its activities in current and new medical fields, which were developed for the benefit of the community.

He also mentioned that Mayanei Hayeshua is the only community hospital in Israel that develops health services according to public needs. For example, the mental health center, which includes the departments of hospitalization, clinics, and day care, has been established and opened as a public necessity, to save many families whose cries have risen to shamayim.

The Rosh Yeshiva of Ponevezh commended the donor, R’ Zvi Rysman for his generous donation. He acknowledged that R’ Zvi Ryzman is unique in his generation in his support of Torah scholars and his assistance to medical institutions. The Admor of Modzitz spoke about the importance of the donation and the generosity of the well-known donor. He referred to him as a great, kind and dedicated person who works to support the Jewish people.

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The head table at the inauguration ceremony for the Ryzman MRI machine.

The philanthropist, R’ Zvi Ryzman together with the Health Minster and the

Director of the Mayanei Hayeshua Health Center.

The donor, R’ Zvi Ryzman pictured with the life-saving MRI machine.

Minister of Health MK R’ Yaakov Litzman thanked the donors and the management of Mayanei Hayeshua for the successful establishment of the MRI, which was approved and partly funded by the Ministry of Health. He informed the public that, the necessary authorization for the machine’s operation was granted, a mere two days after the donor pledged to contribute towards its purchase. The Minister explained that when he assumed office there were only 24 MRI machines in Israel, today there are 46. His department is currently committed to integrating MRI devices in all hospitals and across the country.

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The philanthropist, R’ Zvi Ryzman, with the Admor of Modzitz Shlita R’ Zvi Ryzman with the Health Minister and the Rosh Yeshiva of Chevron, HaGaon Rav Chevroni Shlita.

The Chairman of the Board of Directors, CPA Moshe Leon, grants the donor a

photo of HaGaon Rav Steinman Shlita, attaching the Mezuzah.

Chairman of the Friends of Mayanei Hayeshua and Chairman of the Psagot

Investment House Dr. Ehud Shapira reads the letter of HaGaon Rav Chaim Kanievsky Shlita.

Rabbi Litzman mentioned that the Mayanei Hayeshua Community Hospital has responded to challenges that other hospitals have not responded to. He specifically referenced the new Mental Health Center, which was recently inaugurated. He praised the activities of the Men’s Hospital Department which operates alongside clinics and day care, and he called for a Women’s department to be opened soon.

Director and Founder of the Medical Center, Dr. Moshe Rothschild also acknowledged the contributor and hailed him as a pioneer in raising large donations for the community needs. The

Director recalled that the saintly Ponevezher Rav Ztzl, prioritized working for the community and fundraising over publishing seforim. He revealed that the Rav once told him that he considered his life-saving activities to be in lieu of writing chiddushei Torah.

Dr. Rothschild declared that the main ‘writings’ of R’ Ryzman wasn’t his sefer on medical Halacha, rather it was his efforts in establishing medical centers, and donating life-saving machines.

Afterward, the philanthropist, R’ Ryzman addressed the event.

He emphasized the importance of an MRI machine, and explained how it could provide urgent medical treatment to the residents of Bnei Brak. He expressed his surprise how such a prodigious city could have lacked such a necessary machine.

In his speech, he remarked how incredulous he was of Dr. Rothschild’s dream to open the Medical Center. After the hospital became a fait accompli, Dr. Rothschild began to pursue his next dream; the establishment of a psychiatric hospital for mental health. R’ Ryzman explained that was still skeptical his ambitions, but this dream also became a reality. In his concluding words, Reb Zvi Ryzman thanked the representatives of Mayanei Hayeshua. Specifically, Rabbi Gershon Lider, Chairman of the Board of Governors, and Mr. Chaim Fachler, Director of Resource Development, who came to his residence in Los Angeles to receive the donation.

Dr. Rothschild told the participants that he visited HaGaon Rav Steinman Shlita, on Motzai Shabbos. The Rav responded to the inquiry into his well-being by saying, “I thank G-d for giving me life so that I can continue to serve Him.” The Chairman of the Board of Directors of Mayanei Hayeshua, CPA Moshe Leon, then gave R’ Ryzman a picture of Maran HaGaon Rav Steinman Shlita, at the Mezuzah ceremony, for the new room for the MRI machine.

Chairman of the Friends Association and Chairman of the Psagot Investment, Dr. Ehud Shapira, gave the donors an artistic picture of Mayanei Hayeshua, together with a rare letter, written by Maran HaGaon Rabbi Kanievsky Shlita.

Participants included: Rabbi Shimon Regovi - Ezer M’Tziyon; Rabbi Yitzchak Stern – Refuah V’Chaim; the CEO of Meuhedet Health Services, Mr. Zev Wurmbrand; Deputy CEO, Dr. Dovid Morel; District Director Mr. Elisha Housman and his deputy, Rabbi Moshe Cohen; Maccabi Health Services was represented by the Director of the Central District - Ms. Dvora Hasid and the Director of the Bnei Brak Region, Mr. Eli Ovadia; Director of the Friends Association Mr. Zvi Wilder; Mr. Bentzi Sau - member of the Friends Association, and many more managers and heads of health institutions and organizations. www.BIZNESSMAGAZINE.com

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Pin Down Your AILMENTS Interview with

Yitzchak Krimsky, Acupuncturist

What is acupuncture?

Acupuncture is a healing therapy in Traditional Chinese Medicine (TCM) where certain points on the body are stimulated to promote a free flow and balance of energy. While acupuncture can be used to treat a vast array of ailments, the most common cases tend to be for pain (back, knees, shoulder, jaw, migraines, foot, etc.), as well as issues with digestion, fertility, fatigue, and overall stress relief.

What is your approach to acupuncture?

First, I’d like to say that all healing comes from Hashem. As stated in our Torah, “Ani Hashem Rofecha” (Exodus 15:26), which means “I am Hashem your healer.” As an acupuncturist, I aim to facilitate Hashem’s healing through an integrative approach of bodywork (massage, stretching, acupuncture), emotional guidance (in TCM there is a clear and direct correlation between emotions and physical symptoms), and prayer.

Why did you decide to go into the field?

During college majoring in pre-med, I started to experience a worsening of long-standing digestive issues and anxiety attacks. Years of seeing different doctors and a prescribed cocktail of pills didn’t help much, so I decided to seek out alternative approaches to healing. While traveling through Israel during a summer break, I met a holistic practitioner who finally addressed the root cause of these issues and thus began my journey into holistic health and wellbeing.

The next semester I transferred from Stony Brook University to New York College of Health Professions in order to study Acupuncture and Traditional Chinese Medicine. While in this school, I not only studied and practiced acupuncture, I also read many books on nutrition, worked for a physical therapist, visited a group of extraordinarily healthy and active 80-year-olds living on a vegan commune in Hawaii, studied macrobiotic cooking, and assisted another holistic practitioner here in Jerusalem. I just made Aliyah in December 2016, and my practice has been growing through word-of-mouth.

In hindsight, this all makes sense because as far back 28

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as I can remember, my mother used to ask me to massage her head when she had a headache, and my father would ask me to massage his neck when he had pain. Often at family gatherings while growing up I’d be asked to give a massage to relieve a family member’s neck, back, or shoulder pain. Seemingly this field has chosen me.

What type of ailments do you treat?

Most people have come to me to relieve chronic pain – usually back, shoulder, knee, and foot pain. I also have had success in treating migraine headaches.

Among the more unusual ailments I’ve treated include: a psychiatric patient who was lowering the dosages of his medicine, a 90-year-old man with insomnia, as well as several patients with unresolved emotional disturbances.

While I only treat men at this point, I have a female practitioner on call who treats women and specializes in fertility issues as well.

What does a typical acupuncture treatment involve?

My treatments usually last 60-90 minutes with an initial intake of questions about your symptoms, discussion of goals and realistic expectations of the treatment, and then either acupuncture or acupressure (with or without needles depending on your level of comfort). Based on your ailment a certain series of points on your body are chosen for the treatment. In a relaxed environment, these points are stimulated with either needles the size of a human hair (acupuncture) or with finger pressure (acupressure). Stretching and emotional guidance can be added to enhance the effectiveness of the treatment .

Tell us about the new clinic you are starting.

If you’re looking for pain relief, help with weight loss, want to learn how to cook healthy foods, or just need an hour to yourself to de-stress and relax, then my clinic can serve you. There are group classes during the week ranging from raw food preparation, krav maga, Rav Kook, and of course private, individualized treatments. I’m based in Nachlaot near the city center of Jerusalem. I will only be treating men, but I can recommend female practitioners who treat women.

How can someone reach you?

For a free 15-minute evaluation and tips to improve your overall health and wellbeing, please call 058468-6455 or email at YitzKrim@gmail.com.

Bizness Magazine

Yitzchak Krimsky 058-468-6455 • YitzKrim@gmail.com

02 999 3939

3D PRINTING THE FUTURE IS NOW SOME WEIGHTS FELL ON MY TREADMILL and shattered a few critical pieces of plastic that made the treadmill unsafe for use. As my treadmill was still under warranty, I contacted the company but they said they no longer make those pieces. I was stuck.

I contacted Benzion, gave him the measurements and 12 hours later I had the pieces!

Thank you so much Benzion! I’m back on track!

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Personal Trainer and Lifestyle Coach, Ra’anana

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turing ial additive manufac ec sp a is g tin in pr imply put, 3D ts are formed. dimensional objec ere th ich wh by s proces l is being so because materia d lle ca is s” es oc The “additive pr al object. No y to make up the fin wa t ac ex an in er way you put togeth asses to change the gl ie ov m 3D e os more need for th the way you see, g, you can change tin in pr 3D ith W . d prepare see things , open your eyes an So ll. we as gs in th feel, and create to be amazed. e limit when Only the sky is th it. e ak m we it, n t You envisio merging the lates ms. Dedicated to ea dr ur yo we ng ni g, desig d manufacturin printing, design, an innovations in 3D inting services. touch in our 3D pr ed liz na rso pe at th offer

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ed like the Beit ns, to tefillin shap tio di ad e m na e pl alah sets From sim candleholders, havd , ot uz ez m m sto Hamikdash, cu t designs, and m jewelry, produc sto cu s, er ld ho ar and shof 3D printing e offer a complete W . ns eo rg su r fo surgical models 3D scanning, 3D concept and design, al iti in ng di clu in service g needs. g and post-processin in yp ot ot pr g, tin in pr priority. Your joy is our number one on cti fa tis sa er m Custo e extra mile to r success. We go th ou is t uc od pr al g with the fin collaborating durin ess; whether it be in pp ha ts’ en e ar cli e re ensu sions. W pleting several revi m co or s, es oc pr the design lp turn your unique p of the way to he ste y er ev u yo r fo here idea into a reality.

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Expert

DENTAL CENTER

A Smile is Worth a Thousand Words!

By: Dr. David Schlussel, DDS

F

irst impressions are so important. You meet someone and the first impression is the one that sticks in your mind. Before they even speak, if and how they smile speaks volumes. They could be in a good mood or a bad mood; they could be happy to meet you or could not care less. They could be brimming with self-confidence or they could be very self-conscious.

Patients often request some work to enhance their smile.

From simple tooth whitening to an advanced, complete makeover. The patient pictured below told me that she hates her teeth. When she smiled, she covered her mouth with her hand to hide them. She had a very lively personality but she was being held back by her insecurities about her smile. Once I completed her makeover, she could not stop smiling and showing her friends her improved appearance.

The change doesn’t have to be as drastic. A high school senior complained that her teeth were yellow. Other than the color issue, her teeth were well shaped and positioned. After whitening, she was so happy she almost did cartwheels out of my office. For years after, she couldn’t stop thanking me.

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The woman pictured below had a combination of implants and crowns and bonding, none of which was to her liking, and was tired of going from one dentist to another looking for someone to bring back her youthful smile. After careful planning and meticulous attention to detail, she looked in the mirror, then looked at me and said “finally!”

I ask my patients, “If there is something you would like to improve about your smile, what would it be?” It is amazing the different answers I get.

What would you like to change? Give us a call to find out how we can give you the smile you’ve always wanted.

15 Ibn Gevirol Street, Jerusalem, 02-561-9770, 02-561-9780 rehaviaortho@gmail.com www.rechaviadental.co.il

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The Creation of a Custom-Made Table OUR MISSION:

We were approached by a client who couldn’t find a table to suit her very specific needs. She wanted something that would start out small but could extend, opening from only one side, and would be only 95 cm wide, with a shelf and storage cabinet underneath. The design had to be very accurate to be functional since there was very little space to fit everything in. We made a couple of drawings and discussed the sketches with her. After several changes we had a working drawing and started building it:

We choose wood from the lumberyard, taking into consideration grain configuration, grain colors, and grain shape. All the leg pieces are made from the same board for a perfect color match . We then process the wood from a rough board to a smooth surface. We glue up the panels and plane the edges in order to create a seamless joint.

Cutting the joinery: On the edge of the table we fit two end pieces whose grain each goes in a different direction. This is done because it is a solid wood top which will absorb/lose moisture and will move naturally with the seasons. We use a traditional method called “breadboard end” where you attach a piece with multiple tenon joints and drawbore them (a technique that greatly strengthens a mortiseand-tenon joint, transforming it from a joint that relies on glue adhesion into a joint that has a permanent and mechanical interlock) with handmade wooden pegs, only gluing the middle peg. This allows the top to move and breathe freely while keeping it flat. This is not only an aesthetic consideration but one of longevity, so that the tabletop will stay flat 100 years from now.

The table closed.

View of under-table storage cabinet with space for six leaves.

Making the legs: The advantage of joinery is that it lasts; only “wood with wood” withstands all the seasonal changes and movements. If you have a screw or a bolt, the wood will expand when it gains moisture and shrink again when it loses moisture. With time the bolt is loosened and the threads get worn out. One hundred years from now the screw will be useless, but with joinery it will last and this table will be an antique.

Table — side view.

Table extended with all 6 leaves.

The table top has been inlayed with solid venge wood in a traditional pattern.

The professional staff of Restorno will be happy to answer any questions that you have in the areas of custom made furniture, upholstery, furniture repairs and restoration. Your questions can be submitted to office@restorno.co.il, and may be published in an upcoming issue of Bizness Magazine.

office@restorno.co.il • 02-650-8777 www.restorno.co.il

From a Boy

A

to a Ben Torah

re you still looking for the right yeshiva ketana for your son? Are you looking for a makom Torah that will help him develop into the ben-Torah that he wants to become, in learning and in middos? Do you want a place where your son will feel happy and accepted, and where his rebbeim’s only focus is helping him realize the kochos hanefesh that Hashem gave him, to achieve his maximum potential in learning and in ruchniyus? Do you want your child to grow up in an atmosphere of chasidisheh warmth?

If the answer is yes, then Yeshivas Savaran may be the place that you are looking for.

We recently had the opportunity to speak with one of the rebbeim in Yeshivas Savaran.

What is Yeshivas Savaran?

Yeshivas Savaran is a new yeshiva ketana that will be opening this coming Elul in Har Nof, Yerushalayim. It will focus on serious learning, coupled with a warm chassidishe environment.

What need are you coming to fill?

Many parents want their son to experience the warmth and simcha of being a Jew, together with being comfortable with indepth learning. Our yeshiva is be’ezras Hashem set up to achieve that unique balance, through a unique balance of hasmadah and chassidus. No less importantly, we are proud that our admissions process focuses on the bochur who wishes to join, and does not place weight on his family background.

The Savaraner Rebbe is involved with many Torah families who have met with frustration and rejection when looking for a 34

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yeshiva for their son. The Rebbe is very sensitive to this situation, and Yeshivas Savaran was created to address this problem.

What type of bochur is Yeshivas Savaran looking for?

The Savaraner Rebbe emphasized that we are not looking for meyuchasim, or metzuyanim. Any bochur looking to invest the time and energies needed to grow into a ben-Torah, through simcha, emuna, and achdus with his chaverim, is an ideal candidate.

What will Yeshivas Savaran’s curriculum emphasize?

We focus on in-depth Torah learning, customized to bring out the potential of every bochur! The yeshiva’s goal is not that the bochur can repeat the shiur that he heard from his rebbi, but that he will use what he learned from that shiur to develop his own talents in learning Torah. The learning framework is structured to create a passion for Torah learning and shemiras hamitzvos.

The emphasis of the limud will be to bring the bochurim to a solid clarity in the sugya that they are learning. Through a sincere enjoyment and connection to the Torah, they will come to clearly understand Rashi and other Rishonim, and be able to read them back into the Gemara.

Aside from learning Gemara, which will make up the bulk of the day, the yeshiva’s curriculum will also include learning Chumash with Rashi, the Ramban, and the Ohr HaChaim HaKadosh.

Time will also be spent on sifrei chassidus. In addition to teaching a bochur how to learn, the yeshiva puts effort into showing how to apply that learning to his life. Students will be taught that chesed is a fundamental part of Yiddishkeit, and they will learn to master the art of creating a connection to Hashem through davening.

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 Harav Hagaon Rav Avraham Schorr gives a drasha

at the opening gathering of the Yeshiva

Which Rabbonim offer the yeshiva their haskamah or hadrachah?

Yeshivas Savaran is guided with a very clear direction, as every decision concerning the yeshiva is made by the Savraner Rebbe shlita.

Can you please tell us about your rebbeim?

Our staff are not only experienced educators, our rebbeim are talmidei chachamim of note who, simply put, are people who care! The yeshiva is designed so that the rebbeim will interact with the bochurim on an individual level, giving them the personal attention that they need to develop themselves. We believe that every person must be treated as the individual person in the world who he is. Our rebbeim are committed to devoting the time that is necessary to allow each bochur to grow and express himself individually, in line with his unique qualities and strength.

Do you want to attract bochurim from outside of Yerushalayim?

The yeshiva has arranged transportation to and from Ramat Beit Shemesh. We will be happy to arrange transportation to other communities as well, should the need arise.

Does the yeshiva schedule go beyond the regular shiurim and sedarim?

As part of the yeshiva’s mission to help each bochur become an eved Hashem in all areas, including those which are only picked up outside of the beis medrash, we will go on special trips.

Incidentally, we have seen that these trips also serve to create a more relaxed environment, thereby helping the bochur’s learning within the beis medrash as well.

What foundations do you believe a yeshiva should be based on?

A yeshiva must have a solid direction, to give bochurim the foundations of Torah and Yiddishkeit that they will build upon for the rest of their lives. At the same time, it shouldn’t be “one size fits all,” and should be able to meet the requirements of a boy who needs some extra help.

A yeshiva must have a pleasant atmosphere, together with good friends and a caring staff of rebbeim.

Finally, the rebbeim and other staff of a yeshiva should be warm and experienced role models, who educate each bochur based on his own personality and needs, in order to best bring out the potential of each talmid.

Can you share some of the yeshiva’s principle goals with us?

The goal of Yeshivas Savaran is to help each talmid grow in his avodas Hashem by learning Torah with simcha, and without the pressures and distractions that often serve as obstacles to genuine growth.

How do the talmidim dress?

The talmidim dress in standard yeshiva attire.

Who would your yeshiva not be suitable for?

The only person whom Yeshivas Savaran would not be suitable for is a bochur who is specifically looking to fail. We want to stress that our curriculum is suitable for virtually everyone, even for someone who has not yet seen the simcha and success in learning that he would like to achieve.

What are your aspirations for your talmidim when they leave the yeshiva?

We want our talmidim to come out of the yeshiva with an attitude of middos tovos, yiras shamayaim, and genuine simcha with their learning. Our talmidim will learn to be able to feel good about themselves when they are mevater (forego) on something for their friends. These are skills that will stay with them well into yeshiva gedola and throughout their lives.

Are the yeshiva’s shiurim in Hebrew or Yiddish?

Although our schedule includes the beauty and inspiration of chassidus, all shiurim are in Hebrew.

How can someone who is interested in Yeshivas Savran get more information?

English speakers may call 055-677-6620. For English or Hebrew, you may contact Rav Channanel Liff at 052-764-7841.

For more information or to request a brochure about the yeshiva, email yeshivassavaran@gmail.com 052-764-7841 yeshivassavaran@gmail.com www.BIZNESSMAGAZINE.com

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35

Expert

MORTGAGE

Ma Nishtanah HaMortgage HaZeh?

By Moshe Wilshinsky, CEO, Moville Mortgage and Finance Ltd.

I

n Israel, they are called mishtaneh (pronounced Mish-TaNeh). In the US, they are called Adjustable Rate Mortgage (ARM). So Ma Nishtaneh how, or how do the adjustable interest rates “adjust” and how can they change?

Today, in Israel and around the world, mortgage interest rates are increasing. If you have a nominal fixed rate mortgage (i.e. not linked to the madad), you have nothing to worry about—it will not affect you at all. However, if all or part of your mortgage is adjustable, rising interest rates mean you will have an increase in the amount you pay on a monthly basis.

So what is an adjustable rate mortgage? The name says it all.

“Adjustable” means something may or will change. “Rate” is short for “interest rate,” which refers to what your bank charges you for a given period to use the money you borrowed from them. Putting “adjustable” and “rate” together means that the amount of money (the cost) you are paying for the money you have borrowed may or will change. It is important to understand what will change, when the change can happen, and what it will mean for you.

For example, you take an adjustable rate loan from the bank.

While it may have been three percent interest annually when you originally got the money, in ten years the bank may charge you six percent annually, effectively doubling your monthly payment. No one knows what the future holds, but what is certain is that you have no idea what it may cost in the future.

It is not as scary as it sounds though; let’s first understand what can be adjustable in a mortgage. The “adjustable” aspects are dictated by several factors that can give you some sense of when and why the interest rate might change.

There are two primary factors used to calculate the interest rate paid with an adjustable interest rate mortgage. There is the Index (ogen in Hebrew) and the Margin (hefresh in Hebrew). When added together, they determine the interest rate. What’s tricky, perhaps, is that there are different types of indexes, each of which behaves differently and which change based on different circumstances, including the frequency of possible changes.

The Prime Interest Rate Index, which is determined by the Bank of Israel (BOI), can theoretically be changed at any time.

If the Bank of Israel sees the need to increase or decrease the cost of borrowing in the Israeli economy, they can do that at any time. If the Bank of Israel increases the Prime Interest Rate, it will increase the interest rate on mortgages based on the Prime Rate.

The Prime Interest Rate Index is an example of an index set by the government. In contrast, there are certain indexes—for ex36

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ample, the London International Bank Offer Rate (LIBOR)—that are market driven and based on an international market of what interest rates are paid on certain loans based on the currency and length of time the loan needs to be paid back.

Why are indexes increased or decreased? In the case of the Prime Interest Rate Index, it is due to the Israeli economy—more importantly, the BOl’s perception of the state of the Israeli economy e.g. if the BOI fears inflation increasing, they will increase the Prime Rate. In contrast, with the LIBOR index—which is market driven meaning it changes like the public stock market prices—you need to look at what is happening to the economy of the country of the currency used, e.g., the three-month US dollar LIBOR index, is very common in Israel. How the markets react to developments in the US economy will determine how the LIBOR interest rate changes. An adjustable rate mortgage, with the three-month US dollar LIBOR as the index, by definition will not have an interest rate adjustment more frequently than once every three months. In most cases these US dollar LIBOR mortgages are made in NIS (i.e. funded in NIS but indexed to US dollar), so a borrower will see constant changes in their NIS monthly payment because of the changes in currency exchange rates, although the dollar value stays constant.

A mortgage that is fixed for fifteen years but linked to the madad (Tzamud Madad), even though it may be considered by the bank and even the Bank of Israel as a fixed-rate loan, a borrower will see his monthly payment as well as his principle change based on inflation in Israel on a monthly basis. This means the “fixed” aspect is almost academic because the actual cost to the borrower can increase on a nominal basis—thus, in many countries the interest would not be considered to be fixed.

With interest rates increasing it is important to assess how your mortgage is structured, how/when it will be affected by interest rate increases and if it is still appropriate for you, and if there is anything worthwhile to do now to prepare for the possibility of higher mortgage interest rates in the future.

From all of us in the Moville family to all the Bizness Magazine readers and your families, Chag Sameyach!

Moshe Wilshinsky is the CEO of Moville Mortgage & Finance Ltd. 073-796-2226 ext. 711 questions@movillefinance.com www.movillefinance.com

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SALON YERUSHALAYIMâ&#x20AC;&#x2122;S SHEKEL DEAL Passover star ts early this year at Salon

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Pesach A Time for Renewal Pesach—the festival of freedom, the festival of spring.

The air is clear, flowers are in bloom, the atmosphere is pleasant and the children are excited and energetic. We are all happy and joyful. This renewal period causes us to reflect and ponder the quality and healthiness of our sleep. Until now we’ve worked hard to clean, organize and prepare ourselves for the approaching holiday. However the dust in our mattresses and the back pain we experience each morning due to lack of proper back support prompt us to consider buying new mattresses. Perhaps we haven’t slept properly for years, but until now we haven’t realized it.

At the Beit Shemesh branch of Olam Hamizronim, located in the shopping center in Ramat Beit Shemesh, we met with Aryeh Goldhaber who presented us with the great and unique world of sleep quality. Initially he explained the importance of finding the right solution for each customer. He emphasized that the company doesn’t try to sell what is most convenient for them or their distributors. The company collaborates with some of the most professional companies in the world to ensure that each customer receives the ideal mattress to suit their needs.

Good sleep quality is determined by continuous and deep sleep, and many technological solutions have been found which can ensure this outcome. One type of mattress called Beautyrest contains a series of isolated springs, which provides targeted support to each part of the body. Recently they developed mattresses that contain a unique anatomic release mechanism, which enables superior anatomical support to the body. In addition, these mattresses have a layer of latex which prevents penetration of dust or moisture into the body

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Other leading brands are also seeking innovative methods to increase sleep quality. The American company Sealy Posturepedic patented the “Sense & Respond” mattress. This mattress can detect each body movement and respond immediately to provide full support in every position.

Olam Hamizronim strives to ensure it is constantly stocked with high-quality products. We have mattresses from leading companies, such as Aminach and King Koil. Aryeh informed us that among the products sold in the store are American high risers, which include highquality mattresses made by Aminach and Simmons.

These mattresses assure strong back support and can be used for both children and guests. The store also stocks triple beds with exclusive mattresses that are not only comfortable, but also provide back support.

The store stocks many mattresses that are especially designed for children. The company provides solutions for babies, children and teenagers. In addition to beds, the store also sells closets and bookcases, made of superior and high-quality wood, in various sizes and colors.

Olam Hamizronim wishes all its customers and the entire Jewish people a kosher and happy Pesach, a festival of renewal, a holiday from which we will derive the best and we should emerge from slavery to true freedom. May we merit to eat from the Korban Pesach already in this year, in the Beis Hamikdash, in the rebuilt Jerusalem.

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APRIL 2017

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Travel safe and with peace of mind Travel safe and with peace of mind Like every other year, after you’ve finished cleaning the house, you move on to the car so that you’ll Likebeevery year, after you’ve finished cleaning able other to take your family out on the approaching theHa’Moed. house, you move to the car so that you’ll Chol But whaton about the car’s functioning; bethe able to take your family out on theand approaching tires, air conditioning systems, brakes? For Chol Ha’Moed. what aboutHaTzomet the car’s functioning; this time ofBut year, Musach is offering full the tires, air conditioning systems, and system brakes?inFor preparation and check-up of every your this timesoofyou’ll year,be Musach is offering full vehicle able toHaTzomet start this vacation without preparationworries and check-up of every system in your and enjoy every trip to the fullest. vehicle sotoyou’ll be able to start this vacation withoutthe Come Musach HaTzomet today and ensure worries and enjoy every trip to the functioning of yourfullest. vehicle.

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Happy and Kosher Pesach to our Customers Happyand andall Kosher Pesach Am Israel to our Customers and all Am Israel

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45

‫ שירותים‬.‫א‬.‫מוסך א‬

Alef Alef Car Garag e

Under the Management of Avner and Benny Michaeli

How to Prepare Your Car for Spring

M

any of the typical expert recommendations for preparing your car for the spring and summer don’t apply to driving in Jerusalem and Beit Shemesh, or most of Israel. We typically don’t winterize tires here and don’t have to contend with salt and snow. But we do have rain, and even cold weather itself takes a toll on automobiles, so as the spring season approaches, here’s what you need to do to have your car in top shape.

1. Check your alignment. If your car seems to veer to one side or just doesn’t stay totally straight, something might be off. It’s fairly inexpensive to fix and can save you from loads of problems that might otherwise arise later.

2. Check your brakes. If they’re noisy or rough when braking, chances are you need new brake pads. Long vacation drives require brakes in good condition.

3. Check your windshield wipers. Winter is the time they’re used the most, and you want to see that they’ve stayed in good shape for the new driving season. Israel experiences plenty of dust during the spring and summer, and you’ll still need to use your wipers quite a bit, even though the rain ceases for a few months.

Life expectancy of wipers is only six months to a year.

4. Rotate the tires. Tired should be rotated every so often to make sure the tread is even. Check the overall tire tread for adequacy, especially if you’re nearing the time the tires will need to be changed. Without proper tread, the tires can’t maneuver well and become more prone to accidents.

5. Get a good interior and exterior cleaning. Your car’s likely been

through a lot over the winter getting pounded by rain, hail and perhaps snow (it happens here sometimes, too!) so the exterior may have plenty of dirt and be discolored. The interior is full of whatever your shoes have schlepped in, although you might want to wait until right before Pesach to do the inside so you don’t have to do it twice. You can clean your car yourself, just make sure to use car-cleaning solution instead of plain soap, and use a hose to get the undercarriage cleaned well from dirt and grime buildup. If you’re going to dry it, use a natural-fiber cloth.

6. Check all fluid levels, which may get depleted over the winter season. You can usually do this yourself when you open the hood, but if you’re not sure, your mechanic can easily take a look. You’ll want to ensure that air coolant is up and ready for the hot weather.

7. Check under the hood to make sure that all of the belts, wires and hoses are intact. If anything is cracked, you’ll want to have them repaired immediately. Inspect the air filters so they’re clean and ready for aircon use. You won’t want to have to wait for your car when it’s already hot and sweaty and your air conditioning fails.

8. Test your battery strength. Winter’s harsher conditions strain your battery more, and you’ll need to make sure that it’s still well-functioning.

All in all, it’s best to have the car ready for hot weather use before it gets too hot outside. A few quick and inexpensive checks will have your car in shape for perfect spring and summer driving. 

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Bizness Magazine

02 999 3939

Furniture Restoration Restorno The experienced professionals at Restorno pride themselves in being able to find solutions for all your furniture restoration needs such as uphostery, wood restoration,strengthening of chairs and tables, custom furniture design, damage repair, purchasing and more... office@restorno.co.il | www.restorno.co.il 02-650-8777 Mortgage Moshe Wilshinsky A 27-year veteran in the mortgage industry, Moshe is the CEO of Moville Mortgage and Finance LTD. Call 073 796 2226 and press their special 711 Bizness Extension. questions@movillefinance.com | www.movillefinance.com Air Conditioning and Heating Tzvi Lefkowitz Tzvi of Tzvi Air is a licensed technician who provides care and maintenance service and sales for all major airconditioner brands. 02-628-8282 www.tzviair.com Insurance Egert-Cohen Egert-Cohen is a Jerusalem-based brokerage specializing in helping English speaking Olim with all insurance needs.

Shimon Cohen 050-548-2192 or Yona Egert at 050-536-3897 | www.egertcohen.co.il Dental Care Rechavia Dental Center The Rechavia Dental Center staff is comprised of three highly qualified American-trained specialists, dental hygienists and dental assistants. 15 Ibn Gevirol Street, Jerusalem | (02) 561-9770 | rechaviadental.co.il

Outdoor Wood Creations Element Wood Creations Netanel Buta is a creative craftsman who is always expanding his knowledge in the field. Element wood creates custom made decks, pergolas, pools and anything else you can dream of for the outdoors.

050-676-3222 element.nati@gmail.com www.wooden-pergolas.co.il Car Mechanics Alef Alef Car Garage Alef Alef is a full service car garage in the Industrial zone Nesher Har Tuv (behind the police station). They have decades of experience and they service all makes and models. Call for any consultation at 02 991 5777 or 053 723 1031.

Psychologist Sara Genstil Dr. Genstil is a member and presenter of International Association for Psychoanalytic Self Psychology (IAPSP). Dr. Genstil has been practicing psychology using the Intersubjective Systems Theory for over 30 years. She treats individuals, couples and families and works with bereaved families through the Ministry of Defense and National Insurance.

052-260-9087 Matresses and Bedroom Furniture Olam HaMizronim 60 year-old top supplier of leading brand mattresses and quality bedroom furniture with branches in Jerusalem, Bnei Brak, Beit Shemesh, Ashdod and Beitar Ilit. The company is owned and run by Moshe Rosenfeld.

Jerusalem 02-537-8888, Ramat Beit Shemesh 02-992-1121

Social Skills Specialist Mrs. Shaindel Cohen Mrs. Shaindel Cohen is an internationally acclaimed educational consultant and social skills specialist. She is available to work with children, teens and adults on any related social skills challenges.

02-543-0734 shaindelcohen@gmail.com 3D PRINTING 3D Printed Judaica You’ll be amazed at the endless possibilities presented by 3D printing!

From concept and design,through the final product, I can guide you every step of the way. bcheirif@gmail.com 052-552-1961 www.bencproductions.com www.3dprintedjudaica.com CPA Rosenblum-Holtzman Veterans and leaders in the field, Rosenblum and Holtzman offer a complete accounting service, with expertise in dual ( American-Israeli) citizens.

03-609-2020 rhcpa@rhcpa.co.il | www.rhcpa.co.il LAWYERS Cohen,Decker, Pex & Brosh Professional law offices with an expertise in Immigration and Real Estate Law, Cohen, Decker, Pex and Brosh can offer you expert law services in many languages.

JERUSALEM 02-624-4499 PETACH TIVKA 03-372-4722 www.lawoffice.org.il

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DISTINGUISHED JEWELERS Aria offers high end-diamonds, precious stones and gold jewelry at competitive prices. Contact us to view our luxurious collection or visit our concept gallery where our designers will create a magnificent piece to suit you and your budget perfectly.

TO BOOK AN APPOINTMENT, PLEASE CALL: 02-5004450

WWW.ARIAJERUSALEM.COM AZZA 3 JERUSALEM

(across from Cafe Paris)

101 SUMINMER

STYLES

STUNNING SUMMER COLLECTION IN UP-TO-DATE EUROPEAN STYLES NEW! Beit Shemesh- Slonim: Ben Ish Chai 67, 3rd floor Sun-Thurs: 5pm-9pm Mornings (12pm-3pm) by appointment only 052-711-8582

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APRIL 2017

Bizness Magazine

Beit Shemesh:

Nahar HaYarden 32 (in the parking lot) Sun-Thurs: 11am-2pm, 5pm-9pm Fri & Erev Chag: 10:30am-12:15pm

Yerushalayim:

Yechezkel , corner of Chagai Sun-Thurs: 10:30am- 8:30pm Fri & Erev Chag: 10:30am-12:15pm

02 999 3939

www.kivun�.co.il

Seeking Women and Kallahs For Italian Collection: Must value exclusivity Every square a treasure.

Schmerling's.

Appreciate something different Have excellence in taste Is this you?

For more than 50 years, we've been producing chocolate from select raw materials manufactured with a traditional Swiss method – all so that you can enjoy the very highest quality chocolate.

La Spezia

Limited collection of Italian brands 7"-&/5*/0

."9 ."3"

Alshich

Pe’at Hashulchan

Malchei Yisrael

There's chocolate and there's Schmerling's.

Eshtori Haparchi

Yaakov Meir

Exclusive Italian imports of ladies’ clothing, handbags, & accessories

13 Alshich St. Jerusalem, Near Mirpa'at Geulah (store in store) 11:00-14:00, 17:00-20:00 Fri.10:30-12:00

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TOP EUROPEAN BRANDS

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