Bizness Magazine August 2014 issue

10 E

M A G A Z I N E HELPING YOU ACHIEVE THE MIRACLE OF SUCCESS AUGUST 2014

www.biznessmag.com

Bet Shemesh - Jerusalem

Congratulations

Circulation: 21,000 copies

ER P X

TS

N CAL A C U YO

Helen Abelesz Shimon Cohen David Drutman Dr. Eliyahu Gherman Dr. Edo Lavi

L NO W

Tzvi Lefkowitz Ariel Levy Yossi Lipsh Dr. Bo Rosenblat Moshe Wilshinsky

on entering your

Bizness 4th year Magazine

Interview with Bizness Magazine founder Ariel Topf AG Wigs - Perfect Wig, Perfect Cut Electrician David Fuchs Bringing American tradesmanship to your project Let ANGLOPROTEKZIA negotiate your household bills Nachum Shore Meeting The Real Painters A and M Movers “We want to Move the Keilim into the Beis Hamikdash” Michael Berenzin Making people like what they see in the mirror Einit – Protect your eyes all day, every day

CIRCULATION NOW

21,000COPIES!!!

Bizness Magazine is now online WWW.BIZNESSMAG.COM

Exclusive interview with

Moshe Wilshinsky … with an invitation to give Har Nof Rehavia Shaarei Chesed German Colony New!

Ramat Eshkol Arzei Habira Maalot Dafna Minhat Yitzchak

Ganei Geula Ramat Bet Shemesh Sheinfeld Nofei Aviv

Cafe Rimon, quality Café-Restaurant in Bet Shemesh from the known and famous Rimon group in Jerusalem since 1953

Also in its new location, the Rimon group has succeeded in combining elegance and uncompromising service with a warm and intimate atmosphere. Every dish in the dairy menu is prepared with fresh high quality raw ingredients. You are invited to come, discover and enjoy, whether you sit in our designer’s lounge or outdoors on our unique terrace.

Celebrate your private events - Bar/Bat Mitzvah, Sheva Brachot, Birthday, Anniversary or any other happy event, in a warm and family atmosphere.

Bring this ad and receive a 5% discount for your event for over 20 people.

Luxurious Buffet on Fridays Self service, elegantly displayed Price 54 ĉper person.

For a quote for your event please contact Natalie at 050-8504055 1599-501030 or natalie.caferimon@gmail.com www.caferimon.co.il

Rehov Igal Alon 3, Big Fashion Mall, Bet Shemesh

SALE!

Beautiful Mosaic Lamp for 250 ₪ instead of 600 ₪ You can use the coupon below for this purchase!

100 ₪ OFF

Storewide with any purchase of over 250 ₪.

This is in addition to all specials in the store!

OR

FREE CANDLE HOLDER

Offer valid until end of August 2014.

70 ₪ VALUE

No purchase necessary.

While supplies last. Come today!

Unique Home Decor, Arabesque Mosaic Lamps, Carpets, Shawls, Himalayan Handicrafts, and More....

Yad Harutzim 10, Talpiot (across from Gilad keramika)

Tel. 02 648 5772

¤ ĦĞ

contents

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

AUGUST 2014

MAIN FEATURE

34 I nterview with Moshe Wilshinsky Israel’s Mortgage Expert

FEATURES 08 “I Only Knew How to Do Small Jobs – Suddenly I Had to Build Two 13-Room Homes at the Same Time!”

12 2014 wedding dresses trends: Less material and more lace so that the brides look like princesses 22 Meet the man behind the paint brush 26 “I Have the Hard Edge Intensity Gained from Cutting My Teeth in the world of Israeli Construction” 30 AG Wigs - Perfect Wig, Perfect Cut 32 A&M Movers - “We Will Move the Keilim into Beis Hamikdash” 36 Congratulations Bizness Magazine on entering your 4th year - Interview with Ariel Topf 38 Do You need Orthotics?

40 Helping Clients Lose Weight, Gain Strength & Feel Good 42 ĞĢčĚĐ Einit- The ĦČ Danger in Exposing Ęėč ģĕĝĠĐĘ ĦĕČėĒ Eyes to the Sun 48 Meet the Exclusive Importer of Rainbow Loom 50 “Everyone who buys furniture conducts a market survey before they buy” 52 A Conversation with Rabbi Shea Lewis of The Yanar Institute 54 One-Stop Shop for your new Kitchen - No Headaches 55 Daniel Had a Dream ...Sky Diving!

56 Rebuilding the Churban Next Door 59 I rise before three in the morning to choose the best produce for my clients

24

4

•

AUGUST 2014

Editor in Chief Ariel Topf Business Development Yisroel Meir Simon Contributing Editors Roberta Bienenfeld Chief Designer Adam Ram

60 “Meuhedet’s pediatric subspecialties are extremely well-represented” 62 Religious and secular, Ashkenazi and Sephardi, our differences are only external

Contributing Writers Helen Abelesz, Shimon Cohen, David Drutman, Eliyahu Gherman, Daniel Ginensky, Edo Lavi, Yossi Lipsh, Bo Rosenblat, Oded Shachor, Eva Topf, Moshe Wilshinsky, Avraham Zimberg Advertising Bayla Gamliel, Chaya Hyams, Helena Topf Graphic Artists Aliza Sokol, Yael Ita Photography Yael Ita How to reach Bizness Magazine Advertising

34

02-999-3939

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

DEPARTMENTS

ads@biznessmag.com editor@biznessmag.com inbox@biznessmag.com experts@biznessmag.com readers@biznessmag.com kidzbiz@biznessmag.com praise@biznessmag.com interview@biznessmag.com jobs@biznessmag.com

info@biznessmag.com 10 New Projects under 02-999-3939 Development in and around RBS 14 In The Know With Dr. Bo: Your Bizness Magazine is published by Bizness Magazine Ltd. Bizness Magazine guide to weight loss & nutrition considers its sources reliable. However, reporting inaccuracies can occur, consequently readers using this information do so at their own risk. Each 16 Wills in Israel 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, 18 Stressful Times attorneys and/or financial advisors before applying any of the information that is publish in this magazine. Bizness Magazine 20 Angloprotekzia Saves YOU makes content available with the understanding that the publisher is not rendering legal services or financial advice, business advice, medical advice Money and protects your legal or any other type of advice. ĔĕĤĠ Editorial content, articles and interviews ĦĥĤĐ ¤ .ē.Ę.Ĕ ¤ ęĞĠ Ęėč ĥđĚĕĚĘ ďēČ ¤ ĕČĘĚĐ ĤĚĎ may be paid advertising. Bizness Magazine does not endorse rights!!! or recommend any products or professionals. Although persons ěđĜģĦĘ and companies mentioned herein are believed to be reputable, 24 Your Dream Smile 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 28 August Tips from Egert & Cohen no responsibility for unsolicited material.

Manuscripts, artwork and photographs must be accompanied by stamped, 46 The Warning Lights on your Car self-addressed envelopes. We reserve the right to publish in whole or in

52 In every issue 06 Letter from the Editor 64 10 Experts you can call

Bizness Magazine

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.

Get Social facebook.com/biznessmag www.linkedin.com/in/arieltopf

02 999 3939

ďĞ ¤

BS'D

THE RED PIRATE TOYS

Do not go l o o h c s o t back g n i k c e h c before e h T t a s e pric ! e t a r i P Red Images are for illustration purposes only. Ģ ħ ģ

cool

Pack of Markers

STABILO

instead of

3 Spiral Notebooks instead of &

Basic Line/Math

3 Pilot pens

&

instead of

instead of

&

Yaffo branch:Yaffo 234 (next to Yesh Bashchuna) Tel. 02-5326600 Hours: Sun- Thus 9:00 - 21:00 Fri 9:00 - 14:30 Closed after Shabbat Talpiot branch: Hadar Mall, Pierre Kenig 26,Talpiot (next to Home Center) Tel. 02- 6712080 Hours: Sun- Thus 9:00 - 21:00 Fri 9:00 - 14:30 After Shabbat: Opens one hour after Shabbat ends Bet Shemesh branch: Rechov Hauman 6, Bet Shemesh (next to Kinor David hall) Tel. 02- 6525205 Hours: Sun- Thus 9:00- 21:00 Fri 9:00- 15:00

Letter from the Editor

Happy Birthday BiznessMagazine!!!

Time flies! We are entering our fourth year in business. We have become what’s possibly the most widely read English magazine in the country, having expanded from 6,000 copies to a growing circulation of 21,000 copies.

Our goal is to continue to increase our circulation and reach most “Anglo” communities in the country. We want to strengthen the bond and facilitate the integration of the different Anglo communities across the land. This is being accomplished as testified by the overwhelming percentage of advertisers who repeat their ads every month and who report to us that their businesses are not only growing locally within their regions but also to other cities.

Our website, which includes an application to browse through the actual magazine, has been a sound move to increase the readership in Israel and to allow thousands of readers throughout the world to be inspired by the successes that olim are experiencing in their businesses and thus increase their motivation to make aliyah.

The Bizness Group is in the midst of planning the launch of additional products to further provide the general Anglo community with valuable information, knowledge, inspiration and entertainment, as well as effective mediums for professionals and business owners to successfully launch and grow their businesses to their full potential.

Thanks to all of you for being part of our enterprise.

Wishing you a safe, peaceful and productive summer.

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

Ariel heads BiznessPro, a business consulting firm dedicated to help entrepreneurs who are serious about success (www.biznesspro.com)

6

•

AUGUST 2014

Bizness Magazine

02 999 3939

“I Only Knew How to Do Small Jobs – Suddenly

I Had to Build Two 13-Room Homes at the Same Time!”

Interview with

Yaakov Herman,

founder of Herman Build Yaakov, tell us about your beginnings in the building industry.

I always liked to make changes, build concepts. I started with small jobs for friends.

They were happy. One day, the opportunity arrived to build two houses for a family member. We decided to take the opportunity and we went for it. It was a 13-room house each! All amenities were included, big salons, etc. See picture above.

That became our “claim to fame”. People saw it and the calls started to come…We learned so much in that job!

What type of building jobs do you do?

Full house construction, additions, chalalim, general renovations, bathrooms, mirpesot enclosures, mirpesot, floors, garden preparation for grass or landscaping and much more. If it requires cement or bricks, we do it.

What’s your favorite type of job?

I like to create something from nothing. A full house, a separate apartment in a hallal, a brand new floor, renovate a full house and make it look like new.

What’s your favorite type of client?

Straight forward people. People who understand and appreciate quality. Openminded people. I love people who want to save money but not at the expense of doing the proper job. For instance, a client who wants to spray paint on a wall instead of removing the old paint and doing the proper plaster the way it should be done.

In which areas do you work?

I have all the work I need in Bet Shemesh and Jerusalem. I have built in other areas but most of my clients are close to home. I prefer to stay in this area.

What type of labor do you use?

I have clients who only ask for Jewish labor and others who prefer to save money and they request foreign workers.

How should people find the right builder for their project?

Never hire without solid references. Ask to see other projects. Make sure you can relate to him. Ask about his honesty, experience, punctuality, flexibility. Find out if he is easy to deal with. Almost as important, he must be financially solid.

Why financially solid?

One of the most common reasons for dissatisfaction and problems in this industry is when the builder is not financially solid and needs to take other jobs at the same time he is building yours. This usually means that he will split his resources including personnel with two or three other projects. As a result, he will delay 8

•

AUGUST 2014

Bizness Magazine

02 999 3939

your project, take shortcuts and end up asking you for more money.

What differentiates you from other builders?

I understand what it means psychologically for people to make renovations in their own home. People are naturally afraid of changes. It becomes certainly too much to bear. If, in addition to this, people have to deal with extended schedules and price increases...This is why it’s of outmost importance to stick to the offered time schedule and the agreed upon price.

I specialize in putting people at ease to make the project a positive experience. We do the job right and we do not leave the home until all the finishings are done and the client “Lets us go.”

To what particular factor do you attribute your client satisfaction record?

I make sure that every detail is written down and that the client understands every stage of the process. When dealing with good people, the problems appear when things are not clear in advance.

I am flexible and prefer to do the extra job to keep a client happy even if it was not agreed ahead of time. A happy client makes life more enjoyable and brings many new clients.  Yaakov Herman can be reached at 052-372-1301. www.BIZNESSMAG.com

•

9

Real Estate

Projects

under Development in and around RBS

Yossi Lipsh Realty is located on Nachal Dolev 38, RBS. Tel: 02-999-4466; 052-396-0551 e-mail: info@yossilipshrealty.com Website: www.rbs-realty.com Facebook: RBS-Realty.

By Yossi Lipsh Have you heard the names “Mishkafayim,” “Mem3”, “Gimmel 1”/”Gimmel 2” and not have any clue what everybody is talking about?

In this article I will explain it all so that you, too, can be a pro.

B”H we are witnessing an unprecedented building surge in the Ramat Bet Shemesh area.

Whether it is because of its convenient location between Jerusalem and Tel Aviv or its beautiful views, open spaces and comfortable weather, these projects are an attractive option. But, most of all, it is the wonderful people who comprise RBS’s population.

They are diverse and colorful. It is a place where people live in harmony -- chareidi with dati leumi, Israelis with new olim and the young with the older. In the coming years, Minhal Mekark’ei Israel (The Israel Land Authority) is preparing itself to build close to 10,000 housing units. They will be divided into a couple of neighborhoods adjacent to RBS Alef.

Whether you are thinking of upgrading/downsizing, marrying off your kids or looking for a great investment opportunity, here are a few projects that may be of interest to you: RBS Gimmel – Ramat Hanevi’im: As of today, RBS Gimmel – Ramat Hanevi’im, which includes 2,400 housing units, is becoming populated. Very few apartments are still available for sale first hand, while others can already be bought second-hand (even though they haven’t been lived in yet).

RBS Gimmel-1: RBS Gimmel-1 will have a more chareidi and yeshivishe population.

RBS Gimmel-2: RBS Gimmel-2 will be targeting a more chareidi and chassidic population. Marketing for RBS Gimmel-2 will begin in the near future. Housing will be available for sale through buyer groups or through exclusive contractors.

In RBS Alef, close to 1,300 housing units will be added to the 10

•

AUGUST 2014

4,000 existing ones. The new projects are divided into three areas: Mishkafayim, M3, and The Ma”ar.

Mishkafayim: Mishkafayim is located right under Nachal Maor and Nachal Refaim, bordering Nahar Hayarden on the west side and Route 10 (3855) on the east side. It is going to officially be a part of RBS Alef. The name Mishkafayim comes from its shape -- the shape of a pair of glasses (mishkafayim in Hebrew).

There are 600 housing units planned to be built by contractors and buyer groups. This neighborhood is in high demand and much more desirable due to its proximity to RBS Alef. Mishkafayim is a luxurious neighborhood with a large number of semi-detached and private homes. In addition, there will be a few buildings consisting of three, four, five and six-room apartments. The homes and apartments are very spacious and built to a very high-standard, with beautiful views overlooking the Jerusalem Hills. In addition to plenty of smaller parks, there will be a huge park and basketball/ baseball courts which will be bordered by shuls and pre-schools.

To date, over 150 units have been sold, and that was even before the final building permits were given. As we say in Hebrew, they are going like lachmaniot (hotcakes!).

So far, the buyers consist of about a 1/3 dati leumi families, 1/3 chareidi, and a 1/3 chutznik. Many of the buyers are families from RBS A who want to upgrade. What they all have in common is the desire to live in an open-minded community.

M3: M3, (pronounced Mem Shalosh) is located south of Nahar Hayarkon. Beginning at the turnoff from Nachal Kishon along Nachal Hayarkon up to Nahar Hayarden. There will be a total of 260 cottages and 88 apartments. The cottages will be semi-detached homes, including an attic, chalalim and a basement + garage level totaling 240-260 meters.

Most of the apartments will be in the “Dona” project, divided into four buildings six stories high with four, five and 6-room apartments, situated at the top of the hill near the traffic circle that leads to Route 10.

The construction of roads and infrastructure has already begun and building of the homes should begin in the very near future.

Estimated move in date is 2016. A very large park is part of the central plan for M3, nestled in the valley between M3 and RBS Gimmel-2.

The Ma”ar: The Ma”ar, short for Mercaz Asakim Rashi (Main Business/ Shopping Center) is located opposite the existing RBS Alef Shopping center. Starting on Nachal Tzeilim (by the Chaba”d shul) along Nachal Kishon and up to Nachal Hayarkon.

The Ma”ar will include four sites intended for shopping and business. Above three of these will be 100 housing units, including three, four, five and 6-room apartments and duplexes, located in the valley between RBS Gimmel and Nachal Tzeilim. The forth and larger site will be at the new intersection at the corner of Kishon and Yarkon which will connect to Gimmel via a bridge.

All of these new projects promise to offer a unique and high quality lifestyle as well as valuable investments. Please contact us for more details so that we can show you how beautiful these communities will be. 

Bizness Magazine

02 999 3939

Tzvi builds his reputation on customer satisfaction!

AIR CONDITIONING

All our work is guaranteed!

Repairs, Freon Leak Detection, Sales, Planning & Installation of VRF, Mini Central, and Multi Inverter Units.

The evaporator and condenser coils collect dirt and dust over time, especially when they are in use during the warmer months. Tzvi recommends FOHDQLQJ WKHVH LWHPV HYHU\ \HDU LQ RUGHU WR PDLQWDLQ WKH HIÂżFLHQF\ RI WKH unit, save you money and ensure a healthier environment.

The company uses the latest methods to detect Freon leaks, repair and service your air conditioning units. They carefully and thoroughly clean the evaporator coils with a special cleaning solution and pressurized water, not with harsh brushes that are often used. This method is more cost-effective and gentler on your air conditioning system, resulting in a unit that works PRUH HIÂżFLHQWO\ ,W LV DOVR DGYLVDEOH WR SHULRGLFDOO\ ZDVK WKH ÂżOWHUV DQG FKHFN the overall performance of the unit to ensure its optimal operation. :H RIIHU WKH PRVW DIIRUGDEOH $LU &RQGLWLRQLQJ 0DLQWHQDQFH 6HUYLFH 3ODQ

2IÂżFH

0RELOH 7]YL#+DQG\PDQ7]YL FRP We accept all major credit cards Installment payment options

Handyman Tzvi has many years of extensive experience in general contracting and home construction and renovations. Tzvi made aliyah from New York where he built multi-unit projects and custom homes. Air conditioning is his specialty. Tzvi is a licensed technician with all major brands. He provides care and maintenance services for brands including: Elco, Electra, Tadiran, Tornado, Fujitsu, Mitsubishi and LG among others. Tzvi VSHFLDOL]HV LQ ERWK ZDOO XQLWV DQG FHQWUDO D F XQLWV +H gives a thorough explanation of the work to be done with honest and affordable prices. The company proudly services customers in Beit Shemesh, Jerusalem, and surrounding areas.

www.HandymanTzvi.com

2014 wedding dresses trends: Less material and more lace so that the brides look like princesses

12

•

AUGUST 2014

Interview with

Esther Riccio Founder, Casa Della Sposa We arrived at Casa Della Sposa and were delightfully surprised to see an entire selection of beautiful wedding dresses. We immediately felt that this would be to a bride, what an ice cream store would be to a kid. We were amazed to learn that the business was owned and run by a top professional designer who learned the trade in a renowned school in one of the fashion capitals of the world – Italy.

Where are you from, Esther?

I was born and grew up in Bet Shemesh, Israel.

How did you learn the trade?

I learned how to sew in Florence, Italy where I majored in sewing. I learned to design and build models from Letizia Della Rocca at Sitam, the world renowned Italian school of fashion.

What does a dream wedding dress looks like?

A beautiful dream wedding dress is designed the way a bride wishes it to be from the materials she wants it to have.

What is it you hope women will feel when wearing your designed dress?

A bride who wears the wedding dress of her dreams which she has helped design should feel happy and whole with her choice and with the design of her dress.

What are the wedding dress trends for 2014?

The trends for 2014 wedding dresses are built on models using less material and more lace so that the brides look like princesses. At the same time, they are of better quality and more unique. They are less voluminous and hug the body more closely.

What tips do you give to brides when they first come in for a fitting?

I tell my brides to choose models that are appropriate for them and which are the most flattering on their bodies.

How much of your own opinion do you give to brides at the fitting?

I tell them that they should be aware of the up-to-date fashion trends for the same year/ period and that they should choose materials that will be comfortable and pleasant to the touch and not only to concentrate on beauty and that they should have an open mind for changes and ideas. I tell them to sleep well the night before the wedding and to come to the

Bizness Magazine

wedding with a positive attitude.

Do you find that a lot of brides lose weight before the wedding? How does that affect your job?

Yes, I have definitely noticed that phenomenon but it doesn’t have any extreme effect on my work. Every bride receives a dress that is designed for her body. Every bride is beautiful.

Who is your typical client?

I don’t have a specific type of client. Clients come from all sectors and are all different ages. The dress is adapted to the age and to the client’s needs.

Is it quite stressful for brides watching their wedding dress being made?

The brides for the most part have no patience for the process but are satisfied with the results.

What services do you offer at Casa Della Sposa?

We design the perfect dress for every bride.

We also have a wide selection of exquisite dresses that brides can rent for much less than in a Gemach. If you need a dress, we will get you the perfect one for your special day. No need to go anywhere else.

What do you love about brides?

I love the brides who come to me for their naiveté which comes out at the time of the measurements and their freedom to feel the dresses and to ask for the dress of their dreams.

What is the one thing every bride needs?

The most important thing for a bride is lots of love, patience and an investment in understanding.

Tell us a style secret that can make a wedding look magic.

The secret to style of the most impressive wedding dress is to emphasize the most beautiful parts of the body and to blur the less attractive sides, all in a modest manner. In addition, not to use too much lace and stones so that the dress won’t look over adorned and exaggerated. It is important to note that most of the lace already comes with stones/pearls and therefore there is no need to add big stones that will attract the eye more and will take away some of the natural beauty of the dress.  Esther Riccio can be reached at 02-623 1170 or 050 757 0655

02 999 3939

*/:/(= ( ;6»(9 90:/65 )»40:/7(;04 3»+6=9,@ (5.30; For the first time in Israel!

Israeli Law Degree (LL.B.) for English Speakers The College of Law and Business is proud to offer an Israeli Bachelor of Laws degree (LL.B.), taught jointly in English and in Hebrew by Israel’s top law professors. The College provides support for English Speaking students in the Hebrew taught courses. The degree grants eligibility to sit for the Israeli and the New York bar exams.

Enroll now in an exciting program for international and Israeli students and start building your global career today.

October enrollment has started

For information and registration : clb.ac.il/english or call: 03-6000888

Weight Loss

In The Know With Dr. Bo:

Your Guide to Weight Loss & Nutrition

Dear Dr. Bo: I often hear weight-loss experts advising people to avoid “empty calories” but truth be told, I don’t really know what that means. What exactly are “empty calories?”

Answer: Many foods and beverages on the market today, specifically pre-packaged or processed foods, contain what are commonly referred to as “empty calories.”

These are calories from added sugars and solid fats which add calories to your food but contain little or no nutritional value.

Because these calories are devoid of any nutritional value, they are referred to as “empty.” Another reason I consider these calories empty is that they won’t fill you up. So while they may taste good, they will ultimately only give you a sugar high and leave you craving more and more.

Understanding what solid fats and added sugars are and how to identify them will help you make better choices and ultimately enable you to manage your weight better. Solid fats remain solid at room temperature, for example margarine and butter. Some solid fats, however, are naturally found in foods such as beef fat or chicken skin. Added sugars are usually listed on nutrition labels as high fructose corn syrup, sucrose or saccharose.

Here’s what you can do to avoid empty calories and still eat “real” food: 1. Don’t drink your calories.

Surprisingly, many people get the majority of their extra calories from beverages, not food. Soda, fruit juice, flavored water, coffee drinks and mixed alcoholic beverages are loaded with extra sugar. To put this into perspective -- a twelve ounce can of soda has nine teaspoons of sugar. Think that’s bad? A 12-ounce glass of juice has 12 tea14

•

AUGUST 2014

spoons! When grabbing a drink, try to reach for water or something sweetened with a naturally calorie free sweetener like Stevia.

For children, try offering water or low-fat milk. When choosing juice, water it down or choose “light” varieties which can cut extra sugars by as much as half.

2. Beware of calorie traps.

I’ve noticed that a lot of foods are being advertised as “naturally sweetened.” Beware. This often means that instead of using high fructose corn syrup or sugar, they use fruit juice, sweetened apple sauce or honey.

The empty caloric results of these so-called “natural sweeteners” are exactly the same but people believe them to be healthier alternatives and often overindulge.

3. “Dietetic” Doesn’t Mean Healthy.

Do you believe that drinking diet soda is healthier than regular soda? Think again.

The artificial sweeteners found in diet drinks can actually cause you to crave and ultimately consume more sugar. Our taste buds are hardwired to send messages to our brain.

The heightened sweetness of the artificial sugars found in diet beverages may actually trigger additional cravings. Another side effect is that naturally sweet foods, such as fruit, don’t taste as sweet when your body is so used to the fake stuff. Furthermore, recent scientific studies have shown that the chemicals used in artificial sweeteners negatively impact your metabolism and impede your body’s ability to break down foods efficiently. Try limiting your intake of artificial sweeteners and overly sweetened foods to allow your taste buds to reset.

4. Every Little Bit Counts.

I always tell my patients that small changes can add up to big successes. This is especially true when it comes to condiments.

Bizness Magazine

Pancake syrup, mayonnaise, salad dressings and even ketchup can pack on empty calories quickly if you’re not careful. Each of these can add over 100 calories per serving, sometimes per tablespoon! Try swapping full-fat condiments with the lighter varieties.

When using dressings or syrups, place them on the side of your plate and dip per bite..

5. Ain’t nothing like the real thing.

People often think that eating “fat-free” varieties of certain foods is better. In fact, the amount of sugar added to make up for the lack of fat puts the total calorie count for the “diet” snack higher than a small serving of the real thing.

Moderation is the key when it comes to empty calories. By simply being a more conscious eater, you can easily shave off those extra empty calories without making major changes to your diet.

To get answers to any of your diet related questions, call 077-228-5877.

You can also e-mail your questions to: Details@DrBosDiet.com (subject: Bizness).

Your questions may be featured here in a future column.  About the Author Dr. Bo Rosenblatt is a Board Certified Medical Doctor who has served in many leadership positions in hospitals and clinics and has lectured for physician organizations all across the United States. Dr. Bo’s Diet is a comprehensive, customized 5-Phase Weight Management Program producing rapid weight loss in the short-term and healthy weight management in the long-term. For more information call: 077-228-5877 or e-mail: details@drbosdiet.com

02 999 3939

Delicious Food

for Shabbat and Chagim

Hours: Fridays and Erev Chag from 8:15 to 14:30 You can order by phone: Sunday to Friday from 9:00 to 15:00 For full menu visit us at

www.haahuza-c.co.il Address: Maala Hahamisha, next to Nataf ĪĤijĞğĩħ ij ħ“ĠĢ IJħĢ ĴĦ Tel. 02 570 3093 02 570 3094 ĮĬĠĤ ĵĤĜijĴĜ

Legal

WILLS IN ISRAEL

• How can I best protect my loved ones and my assets in Israel? Do I need a Will?

• What if I have assets in Israel but have a “foreign” Will?

• I want to make a Will in accordance with Halacha – what do I do?

You will find general guidance on these matters in this series of articles.

DO I NEED A WILL AT ALL? • To best protect your loved ones and to ensure that your assets are distributed as you would like, it is important to leave a valid Will.

• A Will can also provide for the guardian of your minor children if you and your spouse predecease them.

• You can create a trust in Will e.g. to ensure that your assets are controlled by a reliable third party to protect your heirs from various pitfalls.

• In a second marriage, a partner may wish to care for the new spouse but also provide for children and grandchildren.

• Dying without a Will can create unexpected hardships for your loved ones and may even lead to avoidable family feuds.

• A Will can speed up the estate administration process and save time, money and frustration.

WHAT HAPPENS IF I DO NOT HAVE ANY WILL AT ALL? The Israeli “intestate” law is basically as follows: A: If there is a surviving spouse: The family car and the household contents are inherited by the deceased’s spouse. The family home, bank accounts and the rest of the estate are shared between the remaining spouse (who gets half) and the deceased’s children (or further descendants, or parents if there are no descendants). This means that the surviving spouse will share ownership in the home she may have lived in for many years.

Obviously great difficulties could arise for a surviving spouse, for example if he or she needs to sell and move to a smaller home or a retirement home, but the children are minors and cannot validly consent, or the in-laws do not wish to sell. Expensive court actions and maybe family bitterness are foreseeable, so it is best to avoid these problems.

If the deceased did not leave children or parents, but left brothers and/or sisters, then in general the surviving spouse receives two-thirds and the remaining third is divided equally among the surviving siblings. Here too, obvious difficulties could arise.

B: If there is no surviving spouse: The following family members, in this order, will be the heirs: 16

•

AUGUST 2014

By David Drutman, B.Com LLB MBA, Dip Trust Law, TEP

the deceased’s children and their issue (grandchildren or further descendants), the deceased’s parents and their issue (brothers and sisters of the deceased), the deceased’s grandparents and their issue. However, conflict situations between heirs arise more commonly where there is no valid Will.

C: If there is none of the above: In the absence of any of the above-mentioned family, the assets will go to the State of Israel.

It is sound advice to avoid these and other problems by making a valid Israeli Will.

It is certainly an essential part of any sound financial plan to arrange a Will that governs your specific needs and takes into account your specific circumstances. It is vital to have it drafted by someone knowledgeable in all areas of estate planning, estate administration (probating Wills) and Halachic aspects of Wills.  This article does not purport to give legal or Halachic advice but is for general guidance only.

About the author David Drutman has been a lawyer for 36 years, including the last 13 years in Israel. He has sound experience in a broad spectrum of work in both professional and commercial environments. He is widely respected for creative,goal orientated legal work. He specialises in transactions (property, estates, contracts, commercial matters etc), family law and notarial work. He can be contacted at 02-995-1877, 052-763-5947 or drutlaw@gmail.com

Bizness Magazine

02 999 3939

02-625-1007 request@group7designs.com www.group7designs.com

EXPERTISE Web Design Web Development App Development

MY

Life Coach

Stressful Times

By Helen Abelesz

W

e are living in very stressful times when it can be difficult to carry on as usual. While some of us seem to deal with stress easily, many of us don’t. When additional stresses are brought into our lives, we can approach a breaking point.

Can we ease our stress? The answer is a definite YES! The following tips are simple exercises that I have taught to my clients. You can practice them on your own; but if you feel that stress and anxiety are affecting your daily functioning, please contact me or seek professional help: 1. Deep breathing is my favorite de-stressor. When we begin to feel anxious, our breathing becomes faster and shallower; therefore, all relaxation exercises include deep breathing.

Try to stop everything you are doing. Close your eyes. Sit or lie down in a comfortable place and take some deep, slow breaths.

Soon, your body will begin to relax. Practice deep breathing when you are not under pressure so that you can train your body to relax when you are stressed.

2. Guided Imagery: Take an imaginary journey in your mind. Go to somewhere distant and relaxing, like a forest.

Imagine the sun shining through the trees, the birds chirping in the distance, the breeze blowing the leaves and water flowing from a stream. Guided imagery can be really effective, espe-

18

•

AUGUST 2014

cially when accompanied by a relaxation CD. 3. Exercise is a natural stress-buster and anxiety reliever.

Research shows that as little as thirty minutes of exercise, three to five times a week can provide anxiety relief. It is important to set aside exercise time in your week; but, even putting on some music and dancing with your children can really change your mood.

4. Nature: Go outside. Gaze at the sky. Sit among the trees.

Look at the flowers and listen to the birds. Nature can really help to reduce stress.

5. Being Thankful: We often focus on what we don’t have rather than on what we do. That’s stressful. But, when we think about and are grateful for of all the wonderful things that we do have (eg. our spouse, children, parents, friends, our home, etc.) then, we shift our focus from our worries to our joys. Just saying, “Thank you” relieves our stress and makes us feel better.

These are just a few suggestions that can help ease your responses to stress in your life. May we all enjoy a more peaceful and stress free time very soon!

Be in touch if you would like to learn more about how to deal with stress in your life. Contact me for a first consultation: Helen Abelesz, Life Coach, 054-482-9815 or email me at helenabelesz@gmail.com 

Bizness Magazine

02 999 3939

Legal

AngloProtekzia Saves YOU Money and Angloprotekzia Ltd.

Your one-stop solution for all your cost-savings and legal needs!

Since our inception in August 2012, we have saved our clients more than two million shekels!

LINK

LINK

A

protects your legal rights!!!

ngloProtekzia Ltd. audits and renegotiates household bills such as landline, cell phones, internet, cable TV, spring water delivery and Jerusalem Post, thereby, saving clients from 1500 NIS-10,000 NIS per year. If we are unable to save you money, we’ll pay you 100 NIS! Our fee is limited to 50% of the first year’s savings. The rest goes back to YOUR pocket.

When you join the AngloProtekzia family, WE HAVE YOU COVERED.

LEGAL ISSUES IN ISRAEL Small claim Court case: Have you been overcharged or ‘slammed’ with services you never ordered? Has a company continued to charge you despite your attempts to cancel their services? Have you been wronged by an individual and sustained monetary loss? We can help you.

AngloProtekzia will help you sue these companies or individual(s) in small claims court (for damages up to 32,700NIS).

You give us the details and we translate them into Hebrew and file a lawsuit on your behalf. All you have to do is sign the summons and we do the rest. If relevant, we ask the Court to levy fines up to 10,000 NIS based upon an existing statute that is meant to protect consumers against corporate abuse.

Our latest victory was against an internet company that continued to charge our client a total of 45 NIS after he cancelled their services. The client was awarded his 45 NIS plus interest and he also received an additional 4400 NIS, levied as a fine against the company.

We recently initiated a small claims suit against an international airline for reimbursement of our client’s lost luggage. While the airline was recalcitrant in responding to the client’s previous requests, they paid our client immediately upon receiving our lawsuit. We are continuing the suit, seeking fines for failing to promptly reimburse our client.

For more information about AngloProtekzia Ltd.’s small claims litigation assistance, please see www.angloprotekzia.com/ services/small-claim-court-litigation-assistance/ All other legal issues and litigation in Israel: AngloProtekzia has made an association with Zeev Weil & Co., a prestigious Jerusalem Law Office founded in 1972. The firm handles personal injury and medical malpractice cases, wills and trusts, contract disputes, probate and inheritance issues, bankruptcy, real estate and all other areas of law other than criminal cases. If you have a matter that can not be handled in small claims court, call us and tell us about your case and we will have our representative from the law office contact you.

LEGAL ISSUES (OF ANY TYPE) IN THE U.S. Moshe Fuld, CEO of AngloProtekzia, is a partner in the law firm of Fuld & Karp, P.C., and is a licensed attorney in the State of New York and in Federal Courts. Fuld & Karp, P.C. handles any type of legal matter in New York State. Additionally, our firm has formed professional alliances with attorneys in all areas of legal practice, in every state in the USA. We have thoroughly vetted each of these attorneys and have full confidence in their expertise and professionalism. You don’t have to be a millionaire or a multi-million dollar/shekel corporation to receive great international representation!

If you reside in Israel and conduct business or have a legal dispute with an individual or entity in the U.S. or you live in the U.S. and conduct business or have a legal dispute with an Israeli individual or entity, Fuld & Karp, P.C., are happy to offer you legal representation.

We have offices in New York as well as in central Israel.

Our offices are part of a network of law firms throughout the USA, Israel, and world-wide which enables us to meet ALL your legal needs.

Some of our recent cases: Fuld & Karp, P.C. recently settled a case for an Israeli resident who was not paid the license fees owed to him by a large software reseller.

The defendant was located in New York.

Our office settled a claim against a major Las Vegas hotel that ‘misplaced’ our Israeli client’s luggage containing his clothes and tefillin.

We negotiated compensation for the cost of a new pair of mehudar tefillin, his clothing, and his entire trip including airfare.

Another client, an American born woman, married an Israeli man, in Israel. They were also civilly married in the U.S. She is now seeking to divorce her husband. We are coordinating efforts on both sides of the Atlantic to ensure that the divorce is handled correctly and that she receives all the assets to which she is entitled.

We are currently suing a very prestigious hotel chain on behalf of a client who was injured while on a Pesach program outside of Israel.

If you would like our assistance, please feel free to e-mail me at moshe@angloprotekzia.com with a brief summary of the facts and your contact information. We will respond to your request as quickly as possible. Initial consultations are always free.

Angloprotekzia Ltd.-Your one-stop solution for all your cost-savings and legal needs!

For more information about us, please see www.angloprotekzia.com. You may also read our previous interview in Bizness Magazine which can be found at www.angloprotekzia.com/wp-content/uploads/2013/01/Page-32Angloprotek_R4.pdf 20

•

AUGUST 2014

Bizness Magazine

02 999 3939

Meet the man behind the paint brush Interview with

Nachum Shore Owner, Real Painters Nachum, tell us about your background.

We made aliyah from Toronto seven years ago and settled in Jerusalem. Since then, I spent a lot of time learning the needs of Anglos who want their homes painted. I founded Real Painters to satisfy those needs.

Were you ever officially trained in this field?

Before making aliyah, I trained under a veteran painter for a number of years. I also completed a two-year building renovations college program in Toronto at the same time that I was running a home improvement business. I continually hone my painting skills and research the latest techniques and products available.

What is the most common type of paint job that Anglos need?

Most of our customers come to me looking for a high-end job with a beautiful finish. Many jobs involve some sort of mold treatment or water damage repair.

We have heard many times “beware of using low-end paint from cheap painters,” can you expand on this?

Sure, here is a handy chart to clarify some of the big issues: Cheap Painters

“Real Painters”

They don’t patch your walls.

We always begin with spackling and prep work, which are included in the price.

They use whitewash (sid), not paint. Sid is not washable, can rub off and begins to look shabby after a short time.

We offer a full range of high-quality paints, including washable and antimold varieties.

They splash paint everywhere — light fixtures, doorknobs, windows, floors, etc.

We protect all surfaces as needed.

Floors are carefully scraped and thoroughly cleaned at the end of the job.

Why would someone hire you over other Anglo painters?

My team consists of only experienced Jewish professionals. When we come into your home, you can forget about the worry normally associated with having trades working in your house. I treat my staff with the respect and courtesy they deserve and that has a tangible 22

•

AUGUST 2014

result in the way they treat our clients. Additionally, once a quote is given for specified work, that price is locked in, with no hidden fees.

Is the level of quality reflected in your prices?

“You get what you pay for” certainly applies to us. That’s why customers call me back and refer me to their friends. They understand that investing in a great job now pays off in the future.

Do you guarantee your work?

Absolutely. My customers sleep soundly at night, knowing that they can easily contact me if they aren’t completely satisfied.

What has been the most challenging job you have ever had?

This past winter we painted a home that was originally an old Arab house. These homes are notorious for water damage which often leads to peeling paint. At first, we tried all the traditional painting methods which had no effect on those stubborn walls. The paint kept bubbling up and peeling off. One of my suppliers, who has a wealth of experience, suggested an unconventional time-consuming method to patch the walls. It worked! Our client was thrilled and was especially grateful that we stuck to the original price, despite the extra time and materials involved.

What are the most important questions to ask a painter before hiring him?

Here are some: • How long have you been painting homes?

• Can you give me an itemized estimate with a clear description of the work?

• What do I need to do to prepare before you begin, and how much will I have to clean up once you’re done?

• Do you have any references I can call?

How can our readers book a quote?

I can be reached at 054-738-6570 or nachum@therealpainters.com We will be revamping our website: www.therealpainters.com in the coming months. Here you will be able to book a quote on-line.

I’m always happy to go over to someone’s home and give them an itemized, on-the-spot, estimate for the work they need. 

Bizness Magazine

02 999 3939

Stylish: For all the reasons in the world The Products: At Stylish you will find a wide variety of high quality care products, cosmetics and perfumes from some of the best and leading companies around the world.

Professionalism: At Stylish, professional make-up artists and cosmeticians will choose the best and most suited cosmetics for you according to your build, skin and face type in a personal and professional environment especially for you!

Service: Only at Stylish, the service is on a European level with personal attention, making your purchase a real pleasant experience.

Atmosphere: At Stylish there is a wonderful atmosphere. The store is spacious, beautiful and designed according to international standards which will give you a pleasant, relaxed and magical buying experience.

Pampering: Only at Stylish, we offer discount coupons, general discounts and pampering presents, which makes it worth your while to come from far away.

Prices: What fun! On top of all the above you pay less! The prices are unbelievable!

You will find make-up, care products and perfume at the lowest prices in Israel.

We promise!

Stylish. Mercaz, Ramat Bet Shemesh Aleph Under Zol B’Shefa across from Pinat Hametziot.

Tel: 02-581-0088

Mornings: 10:30-13:00 Evenings: 17:00-20:30

Orthodontics

Your Dream Smile “How Dr. Lavi and Gherman are utilizing an amazing new technology called Aerodentis to straighten your teeth while you sleep!”

The Dream: Many people wish they could enjoy the benefits of a healthy beautiful smile, but dismiss the thought because they are not prepared to deal with the discomfort and inconvenience of orthodontic treatment.

Now, you can acquire a beautiful smile, improved speech and better oral hygiene in a more comfortable, gentle, faster way.

Drs. Edo Lavi and Eli Gherman offer an amazing new technology called Aerodentis that straightens your teeth while you sleep!

The Reality: After three decades of medical research a company in Israel, Dror Orthodesign, has developed a system called Aerodentis.

Aerodentis works to straighten your teeth while you sleep! During the day there is no need to wear braces or aligners!

BEFORE

AFTER

How does it work?

The Aerodentis system relies on the same biomechanical principles of traditional orthodontics: applying force to move your teeth to the desired position.

However, instead of applying constant force as with metal braces or aligners, which by its nature reduces some blood flow to the teeth and tissue, Aerodentis uses pulsating air pressure in a sleek custom designed device, to gradually move your teeth.

Pulsating orthodontic forces mimics our body’s natural rhythm and physiology, therefore it will increase blood flow to the tooth, and thus be more effective and painless.

You can think of it as the difference between forcing a tooth to move, versus massaging it into its proper place.

It is this type of effective tooth movement that allows the patient to be free of any orthodontic device during the day!

Drs. Gherman and Lavi are certified in Aerodentis, and are ready to make your dream a reality! 

Drs. Lavi and Gherman are certified in Aerodentis, and are ready to make your dream a reality!

Call to schedule your appointment at one of our Aerodentis centers and see if the Aerodentis system is right for you.

Aerodentis Center in Jerusalem: 15 Ibn Gevirol St Rechavia, Jerusalem (02)561-9780 (02)561-9770 Aerodentis Center in Bet Shemesh Nachal Tamar 1 Ramat Bet Shemesh A (02) 992-3363

24

•

AUGUST 2014

Dr. Lavi graduated from the AAO accredited program at New York University Orthodontic School.

Dr. Gherman graduated from the AAO accredited orthodontic program at Montefiore Medical Center.

Bizness Magazine

02 999 3939

OVED! WE HAVE MVE GROWN! WE HA

Sewing, repairs and alterations TK New clothes design and sewn especially for you A E R G   B  PU GF Basic sewing supplies ING

Z A M A  DL      D Eƭ!

M O C     G I

Sun-Thu: 10:00 - 14:00 Sun, Mon, Wed, Thu: 16:00 - 20:00

Tel. 02 992 5665 Cel. 052 768 8663

In the underground parking under “Yesh” in the RBS A Center (Entrance from Nachal Nitzanim)

We accept credit cards

David Fuchs, Founder of Chashmal Gal

“I Have the Hard Edge Intensity Gained from

Cutting My Teeth in the world of Israeli Construction” How did you get started in the “electricity” field?

In 2004, after college, I came to Israel and learned in yeshiva for a few years. Eventually I realized that I had to start working to support my family. Taking advantage of my aliyah rights, I registered for a free technical course from the state.

My wife and I still debate whether or not it was my idea or hers to become an electrician. The bottom line is that I spent the next ten months at the Tel Arza technical school in Jerusalem. I was in no way prepared to pay attention in Hebrew for eight hours a day, five days a week. But in the end, I was forced to work harder than anyone else and went from barely understanding the teachers to becoming one of the top students in the class!

Is there an advantage to being an American and learning a trade here?

I have the hard edge intensity gained from cutting my teeth in the world of Israeli construction as well as the attention to customer satisfaction and detail that an American tradesman brings to the project.

Do you specialize?

A great deal of an electrician’s work is pretty universal and repetitive. For me to say that I’m the best outlet installer in Israel would be sort of silly. But I stand out in two areas, ones where creative thought and dynamism are required, troubleshooting a system and customer relations.

Troubleshooting: This is when someone calls me because something just does not work or when every time a certain switch is flipped, the power blows. Troubleshooting requires me to walk into the middle of a situation, look at everything with fresh eyes, assume nothing and be willing to try even the most simple things.

A client called to tell me that the light in his bathroom as well as the outlet didn’t work. They used a standing light fixture in the outlet for testing. It turns out that the brand new bulb they had purchased was faulty. Instead of opening up the main panel and con26

•

AUGUST 2014

nections and outlets and switches, I first tried the simplest thing possible and that was the solution!

At the beginning of my career, I would tell my clients that I could solve any problem, I would then hope that I could fake my way through the repair. Now, I often troubleshoot the problem over the phone.

Customer Service: While I have dealt with hundreds of dysfunctional light fixtures and thousands of non-working fridge outlets, my clients must be treated seriously and they must be honored and valued as if they are my only client.

Why should people hire a specialist to inspect the electric system of a house before the buy?

I recently met with a real estate lawyer who told me that the average Israeli will buy a 6th hand car for 40,000 NIS and automatically bring it to a mechanic for inspection. That same Israeli will then go out the next day to buy a 2,000,000 shekel apartment without checking the electrical system, trusting that his mezuzah will keep the electrical system running forever without serious problems.

A lovely family in Efrat were about to move into their new home when it was noted that one of the inside lights was burned out. I was called to come and take a look. Four lights at the entrance and nine lights in the salon, all halogens, were not working and had turned the wiring into charcoal. If the electrical wiring in the house had been checked out before closing, the previous owner might have been required to pay for this repair thereby saving the new homeowners hundreds of shekels.

Are the majority of your clients “Anglo” olim?

I would say that most of my clients are olim from America. Yes, I work well with Americans because I am able to be an advocate for them in a highly aggressive market.

Which areas do you service?

I live in the Gush so most of my work is in the Gush and Jerusalem but I am in Beit Shemesh as well.

David can be reached at 052-727-1882. 

Bizness Magazine

02 999 3939

2QO\ DW 'RFWRU%DE\ %DE\ 5RRPV

IURP RQO\

$URPD 9¶'RULW 'UHVVHU :LGWK FP KHLJKW FP GHSWK FP

RQO\

2QHJ 9¶.HVHP 'UHVVHU :LGWK FP KHLJKW FP GHSWK FP

RQO\

7DOWDOLP 9¶7XWLP 'UHVVHU :LGWK FP KHLJKW FP GHSWK FP

3DFNDJH RI 5HODWHG 3URGXFWV FORWKLQJ VHW VL[ SDFN FORWK GLDSHUV EDWK DQDWRPLFDO EDWK VHDW EDWK WKHUPRPHWHU VKDPSRR VRDS GLDSHU FUHDP DQG 'RFWRU %DE\ ZLSHV EDE\ VFLVVRUV HDU FRWWRQ VZDEV ERWWOH EUXVK ERWWOH GU\HU GRVHV GLVSHQVHU 0$0 ERWWOH 0$0 SDFL¿HUV 3KRWR IRU LOOXVWUDWLRQ SXUSRVHV RQO\ GHWDLOV DW WKH VWRUH

RQO\

RQO\

%DE\ 9¶5DDP 'UHVVHU :LGWK FP KHLJKW FP GHSWK FP

$URPD 9¶$DJDP

'UHVVHU :LGWK FP GHSWK FP

RQO\

RQO\

7DOWDOLP 9¶7XWLP 'UHVVHU :LGWK FP KHLJKW FP GHSWK FP

%DE\ 9¶0HWDOOLFD 'UHVVHU :LGWK FP KHLJKW FP GHSWK FP

RQO\

RQO\

%DE\ 9¶0HWDOOLFD 'UHVVHU :LGWK FP KHLJKW FP GHSWK FP

3DFNDJH LQFOXGHV

$URPD 9¶'RULW URRP ,QWHJUDWHG 6WUROOHU ,QIDQW &DUULHU 3DFNDJH RI 5HODWHG 3URGXFWV

(UDQ 9¶%HOOH

'UHVVHU :LGWK FP GHSWK FP

&RPSOHWH %LUWK 3DFNDJH

DW DQ XQEHDWDEOH SULFH

RQO\

*RRG WLOO RU ZKLOH VXSSOLHV ODVW ZKLFKHYHU ¿UVW DV SHU VWRUH VHOHFWLRQ WKH FRPSDQ\ UHVHUYHV WKH ULJKW WR HQG WKH VDOH DW DQ\ WLPH PLQLPXP LQYHQWRU\ SHU VWRUH XQLWV QR FRPELQLQJ RIIHUV DQG GLVFRXQWV QRW ZKROHVDOH SLFWXUHV IRU LOOXVWUDWLYH SXUSRVHV RQO\ QRW UHVSRQVLEOH IRU HUURUV LQ SULQW

%HLW 6KHPHVK %UDQFK <LJDO $ORQ 6XQ &HQWHU _

Insurance

August

from Egert & Cohen

Tips

Egert and Cohen Insurance – we’re here when you need us!

• Shimon Cohen • 050-548-2192

TIP 1

T

his is not the peaceful summer we were waiting for! We pray for the safe return of our soldiers and for calm and sanity to return to our beloved land.

Despite everything, life must go on so here are this month’s tips: Travel Insurance: 1. Don’t forget to take out travel insurance! (We always have a few “last-minute-on-the-way-to-theairport” requests!)

2. Make sure that the policy covers any pre-existing medical conditions you might have.

3. Pregnant? Mazal Tov! We can cover up to week 36 and age 36 (for emergencies).

4. Now the big question, if I have free medical insurance through my credit card, why do I need a private policy through Egert and Cohen?

Answers: 1. The free policies have a limit of $2,000 per day for hospitalization and up to $1,600 for out-patient costs. This is not enough for serious cases.

2. The “freebies” usually don’t deal well with any complications such as extending cover, last minutes changes, etc.

3. CLAIMS! This is most important.

If you are insured through your card, do you know who will deal with your claims when you return?

(Gulp!) At E/C we obviously handle all claims for you.

Direct on-line sign up: https://www.egertcohen.co.il/travel/ signup.asp

28

•

AUGUST 2014

TIP 2

What is your most expensive material possession? Your house, right! And yet many people do not insure it for the correct value. For example. if you have a mortgage, the bank will require you to take out an insurance policy to the tune of approximately $1,200 per square meter. That means that if your house in Rechavia or Ramat Bet Shemesh is 90 square meters, you are insuring it for $108,000.

Try and buy your house for that amount of money!!!

Now, wait a moment. It’s also true that you generally don’t insure for the market value of your home but rather the rebuilding cost which is much lower. All this is true for a free standing house where even a terrible fire would not require sinking new foundations, paying for the cost of land, etc.

However, what about an apartment on the 4th floor of a building? What if the building is damaged and only a few tenants are insured. How do you rebuild?

Tragically this happened to one of our clients whose apartment was destroyed in the gas-cylinder explosion in Jerusalem a few months back. Her side of the building was totally destroyed but only a few residents were insured. She thankfully was insured but not for nearly enough to buy a new apartment.

The Solution: In Hebrew, Erech Karka (or land value). Many companies will now allow you to insure for up to three times the rebuilding value. This will ensure that in the case of a disaster, you will get at least close to your home’s real value.

Here is how one calculates the insurance value of your home of 100 square meters: 1. 100 square meters X current rebuilding rate $1,500 = $150,000.

2. Add on land value (up to three times the rebuilding rate = $150,000 X 3 = $450,000.

3, Total: (1 + 2) = $600,000 Remember, you should obviously try and insure your home for its real value. Building insurance is relatively inexpensive. When your most valuable asset is at stake, it’s probably worth it.

Call us for more details.

Claim of the Month Shalom’s wife lost one of her earrings, presumably when she was on an overseas visit. When they returned, she approached us but then realized that they had forgotten to add on cover for overseas travel. The claim was denied.

A few months later, the other earring went missing (in Israel).

After searching their home, the earring didn’t turn up and the claim was paid.

Last week, while cleaning (in the area where they kept their suitcases), one earring turned up! The $64,000 question: Was this the “overseas” earring or the “Israeli” one? If it was the one they lost in Israel, they were paid out for it. Do they have to return the money?

After asking their Rav, he requested that we ask the insurance company as well. The claims manager was highly impressed with the family’s honesty. He immediately said that they should keep the earring and use the claim money in health and happiness.

We pray for a new month of safety, peace and happiness. 

Bizness Magazine

02 999 3939

AND R G G N OPENI Flowers for every occasion Events decoration Wedding Car decoration VIP vehicle decoration Bridal Bouquet Engagement arrangements Birthday New Baby

WE DELIVER!

Nachal Timna 19, Park Center mall (next to Meuhedet), RBS A | 050-370-0004 or 02-6508282 | raayaď&#x192;&#x;ower@gmail.com

From USA: 1-800-950-4824 In Israel: 02-651-0090

AMERICAN COURSES IN JERUSALEM

UNDERGRADUATE COURSES

GRADUATE COURSES

Separate menâ&#x20AC;&#x2122;s and womenâ&#x20AC;&#x2122;s bachelorâ&#x20AC;&#x2122;s & masterâ&#x20AC;&#x2122;s courses taught by highly-qualified instructors in a Torah atmosphere

Core and advanced courses in the subjects necessary to advance your college education

The educators of tomorrow will find Graduate Education courses toward their masterâ&#x20AC;&#x2122;s degree at TCI

PSYCHOLOGY From Psych 101 to Experimental to Positive Psychology, TCI offers a full array of courses for your Psychology major

BUSINESS Get a head start in the business world with TCIâ&#x20AC;&#x2122;s courses in Accounting, Finance, Management and Marketing

Email: Israel@Touro.edu www.touroisrael.org Academic courses taught by Touro College in Israel are part of the curriculum of Touro New York and are limited in Israel to students who are not Israeli citizens or permanent residents. Additional courses must be taken in New York. Touro is an equal opportunity institution.

HEALTH SCIENCES

SCIENCE LABORATORY

Take Science courses toward Touro degrees in Nursing, Occupational or Physical Therapy and Speech

Perfect Wig

Perfect Cut

How did you partner up with Yaniv?

Yaniv and I go way back. He has been cutting and styling family members’ wigs for years and has been cutting my hair since the young age of 15. I even got ready for my wedding at what is now Yaniv’s Salon.

What inspired you to get into the sheitel business?

My first cousin “Avigail” is the reason for my business and B”H my success. She married, moved to Israel and once here asked me, “Who styles your sheitels, they always look great?” I wash and style my own and that is what I told her. She said, “Please do mine.

I’ll pay you the going rate at other sheitel machers”. I was a young mother who had recently given birth and was at home so I said, “Sure, why not?”

Did you have a mentor?

I have always stayed loyal. Yaniv is truly my mentor in this business and has been so from the very beginning. He has taught me most of what I know. I have always looked to him for professional advice with particular customers.

Did you ever have any doubts or worries about your 30

•

AUGUST 2014

profession?

Yes I did. The wig market is full of importers and private sheitel machers. As a result, the quality of other wigs is low. I have come across many issues such as, imbalanced hair quantity throughout the wig or a beautiful wig with a terrible cut that the customer doesn’t enjoy wearing. Therefore, we decided to combine the two professions. In this way we can provide the perfect wig with a perfect cut. That is our motto.

What motivates you on a daily basis?

To see a client happy with her brand new wig. To see the appreciation and to know she can handle the wig by herself.

What type of wigs do you sell?

We sell full wigs with or without lace fronts, bandfalls, hatfalls and kippa falls of the highest quality, using only the finest European & Brazilian hair, the lightest and easiest wigs in the market.

What makes you different from your competitors?

We make breathable wigs without taking away from the volume, comfort and beauty in one. And we know to match the best hairstyle to it so you can enjoy the wig from day one.

Bizness Magazine

02 999 3939

Interview with

Ayala Greenbaum, founder of AG Wigs Where do you sell them?

AG Wigs is international. We sell wigs in Europe, the USA and in Israel. You can find us at the Leonardo Plaza Hotel, Jerusalem (formerly known as the Sheraton).

How do you deal with a customer complaint?

The truth is that some people have their own ideas about how they want their wig to be. We are here for the long run for our clients. Even if we were to lose money, our goal is that our customers should be happy and should be our client for life. Our name and our service are most important.

What would you tell other women who want to start their own businesses?

Be honest, give good service and be patient.

What other services do you provide?

We provide wash & sets, wig adjustments, wig renewal, wig revival and wig styling.

Who is your typical client and why do they come to you?

We have clients from all over Israel, Americans and also Europeans. They come from what we feel is the best publicity —

word of mouth. From one friend to another. They hear of our service and want to come back.

How do they feel after buying from you?

I hope that each customer feels that she has received my undivided attention, our service and a high quality product. I hope she, too, feels special and unique after being served at AG Wigs by Ayala & Yaniv.

Is there a new collection for the chagim?

Yes. People today demand wigs that dry naturally, wavy or curly. This is the new trend as well. So we have an amazing new collection of wavy and curly wigs that can be blow dried or let dry naturally in the comfort of your own home.

Any specials?

Pre-Yom Tov, we have the following specials: Those purchasing a full wig will receive three wash and sets at no charge. Those purchasing a fall will receive a hair band from our collection worth 150 shekels!

Ayala can be reached at 052-654-3500 or in person at their Leonardo Plaza Hotel salon in Jerusalem.  www.BIZNESSMAG.com

•

31

“We Will Move the Keilim into the Beis Hamikdash”

Interview with

Akiva & Moshe, Co-Founders of A&M Movers

Based on the answers, we estimate how long the move How did you decide to get into the moving business? will take and inform clients of our hourly rate.

We started off as close friends who were both newlyweds living in Tzefat. The idea to start moving originated from the outpouring of complaints we, and many others, heard about the difficulties and stress involved in moving.

When we heard about someone moving, we offered our services for a bit of cash. B”H, our positive reputation and clientele grew. As more jobs came in, we began advertising more, we made an e-mail account, created a logo, etc.

Tell us more about A&M Movers.

The main focus of our company is national but we also offer international moves to and from Israel. Our professionalism and care for our clients sets our company apart from others. Of utmost importance to us when dealing with business transactions is that honesty comes first. We want our customers to feel secure, that they got the best.

What type of skills do you need for the job?

A&M Movers believe that during a move skill overrides strength. Yes, strength is very useful but one really needs the skill to make sure that all items are moved and transported without any damage. Our priority is that we handle our clients’ items the same way that we would handle our own.

How do you quote for a job?

When quoting a job we find out the following: • Where are you moving from?

• Where are you going?

• A complete list of items to be moved.

• An estimate of the number of boxes.

• Will there be any furniture that needs to be taken apart or put back together?

• Are packing/unpacking services needed?

32

•

AUGUST 2014

Bizness Magazine

What’s the first thing you do after getting a job?

The first thing A&M Movers tries to remember to do after getting booked is thank Hashem. Then we save the date for our new client.

What type of labor do you use?

We use American, Israeli and Russian laborers. Our clients are usually English speakers, Americans, the Anglo crowd. We enjoy doing a full move, A-Z. We come and do the packing the day before, move the client out and unpack afterwards. We enjoy this because when we are fully in charge, things run more smoothly.

What is your favorite type of job?

Our packing services is a huge help for anyone who is moving. Instead of packing and stressing for weeks before the move, one could hired A&M Movers packing services.

The day before the move, A&M Movers come over with all the packing materials needed and by the end of the day Walla!, the house is packed and ready to go.

What’s the best part of the job?

When the truck is empty, everything is in place, and the customer is happy.

Do you provide any other services?

Yes. In addition, we provide storage space for those who need it. Our company also provides a payment plan when necessary. We know moving is not cheap.

What is your goal for the business?

Our aspiration for A&M Movers is that B”H when Mashiach comes, we will move the keilim into the Beis Hamikdash.  Contact information: AandMmoversisrael@gmail.com Akiva 050-993-0985 Moshe 058-321-1214

02 999 3939

I rise before three in the morning to choose the best produce for my clients

Interview with

Yaron Zaken,

owner of Yaron Fruits and Vegetables Where are you from?

I am a native Jerusalemite. Today I live in Tzur Hadassah.

How many years are you working in the field?

I have been in the field of fruits and vegetables for over 30 years. My father had several stores in Machane Yehuda and I worked with him from a very young age. After a number of years, I opened up a store for myself in Jerusalem at the corner of Bar Ilan Street. I was there for 15 years.

Why have you decided to open up a store in Ramat Bet Shemesh Aleph?

I will tell you a little bit about myself. After all the years that I dealt with fruits and vegetables, I decided to open up additional businesses and I was very successful. But there was one thing that I missed during these last years and that was satisfaction. I saw more and more that I enjoy the field of fruits and vegetables. This begins with the choosing of the merchandise personally from the fields to organizing the shelves and service to the clients. The clients that I most enjoyed working with when I had my store on Tzomet Sanhedria Bar Ilan, were the Anglos from Ramat Eshkol, Nachalat Yitzchak and the surrounding areas. Today, I live in Tzur Hadassah and I decided to open up a business close to home for the Anglo clients.

Why should people buy from you and not at the supermarket?

My motto has always been that quality

is quality and one more time quality. After all the years that I have worked in this field I have great experience in choosing the best produce. I rise before three in the morning and travel by myself to the fields and the shuk to choose the best produce. Most of the product that I bring is merchandise which is designated for export to Europe.

This is good quality merchandise which has a long shelf life. I choose every apple and orange myself. I also buy for my house.

Even after I have purchased the merchandise, I go through it again and sort it and then organize it on the shelf. Everything in the best and the most beautiful way. All of the produce which is not appropriate I leave on the side and I donate. When a customer comes to the story, he gets the best service in choosing the products that he needs and with the very high quality that he needs.

That is the reason that I had thousands of satisfied customers in Jerusalem and that is the reason, B”H, that I will have thousands of satisfied customers in Bet Shemesh.

Tell us a little bit about “Behind the Scenes” in the field of fruits and vegetables.

It is important to know that from the moment that the fruits and vegetables are in the fields until they reach your home they undergo many processes. The quality of the merchandise can differ greatly between stores. One will have the best merchandise which is set aside for abroad and another merchandise that is only good for cooking, etc. Sometimes, even if you save a few shekels in the supermarket, you get home and after a day or two you already have to throw them out. In addition to “Ba’al Tashchit,” in the end it will cost the consumer a lot more money.

How are your prices?

In my quality range and with my wide choice of fruits and vegetables, I am 25% cheaper than my competitors in the free market.

What type of kashrut hechsher do you have?

Badatz, Eidah Charedit.

Is there a difference between merchandise from Friday and the rest of the week?

No. The high level exists every day of the

week just like on Erev Shabbat.

What are you planning on doing during shmittah?

I already have experience from four shmittah years. It isn’t simple. You have to be organized for it and get ready. We have always tried to keep shmittah on the highest standards. We buy special merchandise from abroad. It is important to remember that even if we do not succeed in bringing all types of merchandise that is 100% like every other year, in any case we have the privilege of keeping the holiness of the seventh year in the most glorified manner and we will only see a blessing and success.

What other news are you preparing for us?

In addition to fresh fruits and vegetables, we also have a wide assortment of dried fruits and vegetables. We are planning to bring a wide variety of regular fresh spices of all types and we are also planning to bring a juice machine for different types of natural juice available on site. And last but not least, it is our hobby to prepare trays of fresh and dried fruit with special amazing designs for every event, made by my dear wife. You can see pictures and many recommendations from events that we did.

Where are you located?

We are located at Nachal Nitzanim 8 in the commercial center of Ramat Bet Shemesh Aleph next to Dubi Dagim. Tel: 02-6455311. Hours: Sunday: 10:00-20:00; Monday, Tuesday, Wednesday: 8:00-21:00; Thursday: 8:00-22:00 and Friday: 8:00-15:00.

Please tell everyone that we do free deliveries for purchases over 100 shekels. 

Moshe Wilshinsky Our Mortgage Expert.

Their Mortage Expert.

Israel’s Mortgage Expert.

A

s part of our anniversary issue, we are interviewing one of our most experienced experts. Moshe Wilshinsky, our mortgage expert and a 29 year veteran in the mortgage industry, is the CEO of Moville Mortgage and Finance Ltd. Moshe, what was the joke that summed up the mortgage industry in Israel?

The joke goes like this: If 150 years ago you would have told all the people dreaming of establishing a modern Jewish state in the Holy Land that they could have a country with tremendous achievements across the board, but the politics and the mortgage industry would be very difficult to understand, everyone would have jumped for it. I am just thankful that I am not in politics as well.

Moshe, seriously, what is your experience in the mortgage industry?

I started in the mortgage business in 1985 in California. For the first time in 1990, the Israeli banks started granting mortgages from their own funds.

Someone from Misrad Hashikun asked me to get involved in order to help them with an initiative they were working on, and so I became involved in the mortgage market in Israel in 1992. I advised a number of people from four different government agencies with the intent of advancing the mortgage market in Israel through a secondary market. That’s how I became familiar with Israel’s mortgage process along with the senior bank managers, whom I eventually worked together with on consumer credit legislation.

Today, at Moville Mortgage and Finance, we utilize that knowledge and experience to assist our clients through the entire mortgage process.

Besides the mortgage market, you have also been involved in the establishment of consumer credit reports in Israel. Can you tell us about that?

After getting involved with the government regarding secondary mortgage issues, I learned that there was no consumer credit reporting industry in Israel. I knew that this was essential for mortgage underwriting (i.e.

34

•

AUGUST 2014

Bizness Magazine

making proper credit decisions) and other types of consumer credit. The then-current chief counsel of the Bank of Israel and I met at an Inter-American Development Bank conference in the early 90s. He was very gracious with his time, as I explained to him what I had in mind. He liked my idea and encouraged me with one warning: My idea would take a long time. A few years later, a Knesset committee was formed to discuss the consumer credit reporting law. I sat in on the committee meetings with other private industry executives over the course of seven years. During that time, I co-founded one of Israel’s first consumer credit reporting firms.

How is getting a mortgage in Israel different than getting one in the US or other Western countries?

There are too many differences to enumerate, most of them relating to the way loans are structured, what is available, and the interactions between the borrower and the bank.

Just to give you an idea: Disclosure: Since the 1970s, the US has expanded disclosure laws to make mortgage terminology more transparent and easier to understand for the consumer. Israel, though it has much more complex mortgage terminology, has far fewer mortgage disclosure laws.

Factors that Affect Lending Decisions: For example, bounced checks in the US are a non-issue, while here, a few bounced checks can negatively affect a client’s ability to get a mortgage. In addition, not all sources of income are equally recognized. The Loan to Value (LTV) or the ratio between the loan amount and value of the property are much more regulated in Israel.

A major difference nowadays is that the Mortgage

02 999 3939

Banking Regulations are constantly changing. These changes have material effects on the types of mortgages available and who can qualify. Even veteran Israeli borrowers are often surprised when I tell them that they cannot expect to get a mortgage like the one they received a few years ago, or the way they got one [qualified for one] because it is no longer allowed by regulations (e.g. all adjustable loans for Israeli citizens). This is one of the reasons we feel consumers need to be educated about their options. We feel that an educated consumer is the best decision maker.

What are the main mistakes olim make in Israel when taking a mortgage?

I would have to say that the most common mistake is when an oleh makes assumptions about how much he or she can qualify for or the types of loans available to them. There are a lot more moving parts here and most do not understand the whole picture. Bad decisions can be made which can result in very costly mistakes due to simple misconceptions and failing to fully understand the ramifications of different lending options. This is another reason why at Moville Mortgage and Finance we like to educate our clients and empower them to make their own informed decisions.

What exactly is the role of a mortgage broker?

In America, a mortgage broker acts as an intermediary who literally brokers mortgage loans on behalf of individuals to the wholesale mortgage market and handles the entire process for the borrower instead of the bank. In Israel, the industry is not only in its infancy, but there is no infrastructure, regulations, or industry practice in place to replicate what is done in the US. More so, the term “Mortgage Broker” is used to mean many different things -- advisor, filing service, etc. I have seen the market evolve over the past 20 years. Twenty years ago there were “machars.”

Usually these were retired bank employees who took 2% of the mortgage for their services. Then, in the late 90s, a few companies evolved and began offering a service which was a step closer to what is being done today. When cheap money was introduced by the US FED in the early part of the last decade, it eventually affected the mortgage market here in Israel. By 2003, the Israeli mortgage banks started offering cheap money very liberally (by Israeli standards at least) and a wave of international and domestic buyers began buying apartments as speculative investments.

That is when the current wave of mortgage brokers began. After the crash of 2008, international banking regulations were quickly rewritten (e.g. an international banking regulation know as Basel took close to 18 years to update and create what became know as Basel II, whereas post-crash, Basel III happened in close to 18 months). This new regulation required the central banker of participating countries to implement regulations along certain guidelines. This has been one of the factors driving the Bank of Israel to implement the regulations that they have been implementing in recent years.

Ironically, in a market like Israel where the process, products and rates can vary from bank to bank, the role of a mortgage broker with real experience from the US is needed even more.

Do local banks check the borrowers’ credit reports from their old country?

Yes. Very often a new oleh from the US, Canada and the UK, etc., will be requested to show his credit report and credit score from his country of origin. We can help borrowers obtain that report.

What questions should a person ask his potential mortgage broker before hiring him?

Like the rest of the world, the mortgage market in Israel has become and is becoming more conservative, both in the loans they give and in how they approve loans. That is the nature of the industry the world over; it follows economic cycles. You want to make sure that you have someone with

experience who has been through a tight credit cycle before.

You also want to make sure that they have the expertise to educate you in making informed decisions, and of course that they provide the highest level of customer service.

What’s the best advice you can give to people looking for a mortgage?

The only way you can make an informed decision is by knowing what your options are and the ramifications of those options. You should ask questions and ideally not assume anything. As in any other important transaction, you should hire a professional expert to take you through the process.

What does Moville Mortgage and Finance offer to its clients?

We offer unmatched experience. Many of our methodologies were developed based on knowledge from the decades of our involvement in consumer credit risk assessment, underwriting and risk based pricing in the US and Israeli markets. We strive to deliver all this to our clients with a passion for customer service. We believe that this is why (with help from Above) we have been able to get better terms even for our client borrowers with excellent financial statuses than their private bankers have offered them. We are also able to obtain loans for borrowers who, in the past, have had challenges qualifying for a mortgage because of their unique situations. Beyond the interest rate and other loan terms, we also do old fashioned “handholding.” We are there to educate, guide, facilitate and manage our clients through what can be a bewildering process.

Moshe, what’s the best way for our readers to contact you?

They should call our main line at 073-796-2226 and press our special 711 Bizness Magazine extension. If they have relatives overseas, they can give them our numbers. In the US: 201-377-3418; in the UK:” 208-596-4501. They can also e-mail us at questions@movillefinance.com and visit our website at www.movillefinance.com.

We understand Moville is also the Mortgage Expert at the Event [logo] reference to their ad?

Yes. We have been with IMP since their first (before it was called THE Event) conference. This is our fourth year of working with IMP and our third as the exclusive mortgage broker. We invite all your readers to benefit from the special discounts we will be offering there. To get special discounts, everyone should click on the tab on our website at www.movillefinance.com and once there, fill in the form.

We will also be participating in the First Annual JBNF Conference “Doing Business in Jerusalem” which is happening at the same time as The Event. The JBNF conference is going to showplace the dynamism, business activities, investments and new frameworks emerging in Jerusalem. Take a look at their site at: http://www.meetup.com/JerusalemBNF/events/190195612/ These are challenging times. While Israel has been through many wars, it does not make the situation any easier or the pain of loss more tolerable. Our hearts and our prayers are with the soldiers and their families that have paid a high price. Our humble request is to take a few minutes and make a donation to the Nefesh B’Nefesh Lone Soldiers’ Foundation, either on the NBN.org.il site or click the donate tab on our website www.movillefinance.com  www.BIZNESSMAG.com

•

35

Congratulations

Bizness Magazine on entering your th 4 year Interview with

Ariel Topf

Founder of the Bizness Group

By Yisroel Meir Simon

I

met Ariel while I was volunteering at the Kuppa Shel Tzedaka. Ariel invited me to join the Bizness Group. This was a great opportunity as for many years I have been helping the Kuppa raise money for so many people in need and here I would have a chance to contribute to the economic success of local businesses.

I suggested to Ariel that we should do an interview with him to let the community in on some of the “happenings” at Bizness Magazine and The Bizness Group, his background and his core belief system. So this time, for a change, Ariel is the one being interviewed. I hope that you enjoy the interview as much as I did.

YM: Where are you from, Ariel and how did you get to Israel?

Ariel: I like to say I’m from Israel but born in Peru. Peru became a real mess between terrorism and corruption. Although I was running several businesses and things were doing great, I did not want to raise a family in such an environment. Shortly after getting married, we moved to Ecuador where I operated a large clothing manufacturing company. From there we made “aliyah” to Canada. We lived in Canada for about 14 years prior to making the real aliyah.

YM: What did you do prior to starting your first business?

Ariel: I started my first business while I was still in university.

I was also playing professional soccer at the time. I had a busy schedule.

YM: Can you give me a quick summary of your business career?

Ariel: I have spent most of my business life creating concepts and building companies. I have built 15 businesses in diverse fields such as retail, direct sales, advertising, restaurants, appliance wholesale, food manufacturing, vitamins and supplements distribution, clothing manufacturing, personal development, communications, internet, hi-tech and publishing. I built these businesses in Peru, Ecuador, Canada, the USA and Israel.

YM: Tell us a couple of business success stories.

Ariel: CEN, a high-tech employment matching service, became the fastest growing franchise company in Canada. It was later

36

•

AUGUST 2014

revamped into today’s WSI. The company was the #1 franchise in the internet and technology category of Entrepreneur Magazine’s Annual Franchise 500 for seven consecutive years (2002-2008). In 2010, WSI was the recipient of six Standard of Excellence Awards at the Annual WebAwards Competition organized by the Web Marketing Association (WMA).

YM: Any success in the crazy internet world?

Ariel: Success is a relative word. We served in excess of 20 million page views per month during our first year.

YM: What business did you grow to over 19,000 people and how in the world can someone do that?

Ariel: It was in the pet food industry. I approached a manufacturer who was having problems selling his product. Armed with the experience that I gained selling to humans, I went to the parks to find four-legged clients. The first thing I did was to personally sell enough to build a success story that would attract salespeople. Once I accomplished that, I started recruiting my sales force across town.

Then I produced audio and video tapes explaining the products and teaching people how to sell them. I sent these tapes from coast-tocoast to people I had selected to work with. Then I toured the country to personally train managers and their sales people. There was no internet yet so the trainings and motivation sessions had to be done in person, by tape and by phone. I ran sales trainings through telephone conference calls with over 2,000 people on the lines.

YM: What was the last company you built in Canada?

Ariel: TouchLogic. It’s a leading provider of automated customer communications systems. We provided communication technology and services to large companies such as Imperial Oil (Esso), Chrysler, Good Year, Toronto Hydro, Rexall, Department of Foreign Affairs and International Trade, Bell, Shaw Cable, Avon and Sears, among others.

YM: Is the company still around?

Ariel: Yes, alive and kicking. I prepared my exit by hiring top management (former president of Revlon, Pharma-plus, etc.) to replace me.

YM: Why did you start Bizness Magazine?

Ariel: This is probably the most frequent question people ask me. During the last 30 years, countless people and companies have approached me for consultations or advice, mostly about growing their businesses. I wanted to create a high quality medium to reach out to those in need of advice and to help olim build their businesses, create success stories and motivate others to make aliyah.

YM: What’s your experience in advertising?

Ariel: Many years ago I started an advertising company to provide services to my own businesses. Still, most of my experience is in being an advertiser myself. My companies have advertised on national TV on a daily basis and frequently in some of the largest newspapers in the world. We used to field hundreds of calls a day as a result of our ads.

YM: How important is it to advertise?

Ariel: I used to tell my managers to make a lot of noise in the market. I explained to them that they were not CIA undercover agents. Tell everyone what you are doing as loudly as you can and as often as you can. To stay in business, you must grow continuously because not growing eventually means shrinking.

YM: How about businesses that cannot afford to advertise?

Ariel: It’s a vicious cycle. They cannot advertise because they

Bizness Magazine

02 999 3939

do not sell enough and they do not sell enough because they cannot advertise. These businesses are standing on very dangerous ground. They need serious advice to formulate a strategy to break out of that cycle before it’s too late.

The cost of not advertising may far exceed the cost of advertising. Each hour, day, week and month that passes by without being fully booked is tremendously expensive. I see stores that are always empty and professionals who are twisting their fingers most of the day. How much is that costing them in unrealized income, money that they are not making? Imagine a professional who has five hours a day that he is not billing for. At a rate of 150 NIS per hour, he is losing almost 20,000 NIS per month! Not advertising can be very expensive.

YM: Where should people advertise?

Ariel: They should advertise in the media that their target market reads and respects.

YM: What’s the current circulation of Bizness and the distribution areas?

Ariel: We started with 6,000 copies in Bet Shemesh and we are constantly growing. Last month we distributed in excess of 21,000 copies in Ramat Bet Shemesh, Sheinfeld, Nofei Aviv, Har Nof, Rehavia, Shaarei Chesed, the German Colony, Ramat Eshkol, Arzai Habira, Maalot Dafna, Minhat Yitzchak, Sorotzkin and we are testing the Gush.

YM: Is there room in the company for new talent?

Ariel: We are launching two new products soon and we are looking for leaders to manage these new divisions.

YM: I have heard you say many times that a business needs to have a “soul”. What do you mean by that?

Ariel: A business needs to be profitable. If not, it’s not a business.

You must make money for it to last and to accomplish its goals. At the same time, it needs to be a source of satisfaction. Furthermore, it should contribute to your community, make a difference in people’s lives. That’s what I call a soul.

YM: What’s the “soul” in selling advertising space?

Ariel: Selling advertising space is the “body” not the “soul.”

The “soul” is to help olim in the difficult task of earning a good parnasah in Eretz Israel. We are helping people grow their businesses in a way that they never saw before. This provides them with the stability to deal with all the other challenges related to establishing oneself in another country. This growth allows them to hire other olim who are much in need of jobs. The income that they generate gets spent in other businesses in the community generating a cycle of prosperity. In addition, it encourages other olim who are witnessing their success and ultimately it motivates people from around the world to seriously look at making aliyah themselves. I deal with hundreds of business people and professionals every month. I can directly participate and contribute to their success by sharing ideas, motivating them and strategizing with them. We are building our people and our land. The more success we show, the more olim will come. So that’s the soul of our business.

YM: Tell us some success stories of advertisers.

Ariel: I love the case of Tzvi Lefkowitz, better known as Handyman Tzvi. We met over two years ago and we put together an advertising strategy to accomplish his goal to become “the most known handyman in Bet Shemesh.” We started with a humble one quarter of a page ad. Last month, Tzvi was featured on the cover

page of the magazine and had a double page interview in the center. Within the last two years, Tzvi has tripled his car fleet. Based on name recognition, he is probably the most known technical services person in Bet Shemesh and Jerusalem. He tells me that the magazine has made him into a celebrity. Everywhere he goes people comment on his articles and ads in Bizness Magazine. To wrap this up, Tzvi called me a few days ago and said, “Ariel, I know we have a contract and I’ll pay you for my page but please do not put my ad in. I cannot handle any more calls now.”

Ariel Levy started advertising in the magazine in January 2012 and has not missed one issue until today. At the time, he was working in a shared space in a “humble” location in the industrial zone. Today AutoKing is a full service American style garage with six lifts!

We have plenty of successes from advertisers that went from unknown to most-known professionals in their field. For more exciting stories, people can go to our website (www.biznessmag.com) and watch video testimonials of many of our advertisers.

YM: What are the 10 Experts who are heavily promoted in the magazine?

Ariel: We invited credible professionals to become part of our panel of experts. Each of our experts has a permanent column in every issue of the magazine. We only have one professional in each of the listed categories. Our experts have possibly become or are in the process of becoming the most known professionals in their field in the Anglo community. They have a platform to differentiate themselves from any other competing professionals.

They give valuable and insightful information to our readers and Bizness Magazine gives them this cutting competitive edge in return. Some of our experts have been with us for one, two and even three years now and have earned themselves the trust and respect of the community. They are listed on our cover page in every issue and have a page dedicated to them towards the end of the magazine with their backgrounds and contact information.

YM: Is there room for more experts?

Ariel: Yes. There are many fields and professions that are not represented yet.

YM: You know there’s a huge public that reads the magazine making this is a big responsibility. How do you check the reliability of the advertisers?

Ariel: Well, you have to see the faces of people who have been turned down to advertise in the magazine. We will not advertise any person or business that we know is not straight in his business dealings. This goes for new potential advertisers to advertisers about whom we have received credible complaints.

YM: What is your vision of the Bizness Group?

Ariel: Our goal is to reach most “Anglo” communities in the country, strengthen the bond among their members and facilitate their integration with the rest of the Anglo communities across the land.

In order to accomplish the above the Bizness Group will continue to expand the reach of our current publications and will develop new products to further provide the general Anglo community with valuable information, knowledge, inspiration and entertainment, as well as effective mediums for professionals and business owners to successfully launch and grow their businesses to their full potential.  www.BIZNESSMAG.com

•

37

What are orthotics?

Orthotics (midrasim) are insoles/inserts that are placed in shoes to help control imbalances in foot structure, thus relieving/preventing foot, leg and back pain.

Who needs orthotics?

At some point in their lives, 75% of the population will suffer from footrelated problems which often result in pain in the feet, ankles, knees, hips or lower back. Children, teens, adults and seniors can benefit from the use of orthotics to help correct imbalances caused by problematic foot or leg structure.

What causes foot problems?

The feet are the foundation of the body. Each foot is composed of 26 bones and 31 joints. Its function is to support the body, and to adapt to the terrain on which you walk. The foot becomes a rigid lever to bear the bodyâ&#x20AC;&#x2122;s weight and allow propulsion. The foot is always in motion and is under enormous pressure from the body. A bio-mechanical foot fault, (eg. an excessively high or low arch) can cause painful joints, bursitis, hammer toes, bunions, lower back pain or knee pain.

What can be done?

Doctors know that with proper orthotics, many problems of the feet, legs and lower back can be remedied.

How are orthotics measured?

The secret to making orthotics that give you exactly the right correction is accurate assessment of the way you walk. Practitioners who rely on plaster casts or foam impressions only get static measurements of the feet. These methods record the shape of the foot at rest, and not of the feet in motion.

The FOOTMAXX Orthotic System provides a customized, bio-mechanical orthotic providing superior control and correction of foot and gait abnormalities.

FOOTMAXX orthotics correct and improve the way your feet strike the ground, enhancing your natural movement while helping your feet move more efficiently.

FOOTMAXX orthotics are thin and lightweight. They fit easily and comfortably into your existing footwear. These orthotics are for people who want to enjoy recreational as well as everyday activities without aches and pains that hamper their ability to work, stand, or exercise.

My mission as a Doctor of Podiatric Medicine over the past 35 years has been to provide the highest degree of foot care available. As the medical director for Footmaxx International for eight years, I know that this system is innovative, high tech, and grounded in well-researched principles of foot biomechanics, functional correction and orthotic therapy. Patients worldwide have been successfully treated with FOOTMAXX orthotics. These include hundreds of satisfied patients here in Israel. Athletes on over 45 American Major League Baseball, Basketball and National Football teams use Footmaxx orthotics.

I will be happy to answer any questions you may have by calling me at 054 543 7775.

For further information we invite you to address your inquiries to Dr. Zimberg at 054-543 7775 or zimberg.r@gmail.com

Dr. Avraham Zimberg, DPM 18/4 Rabbi Yanai St., Bet Shemesh

Dr. Avraham Zimberg DPM

38

â&#x20AC;˘

AUGUST 2014

Bizness Magazine

02 999 3939

How to

Select a Washing

Dr. Avrohom Levy MB ChB BSc MNIMH

Herbalist and Doctor

Conditions particularly suitable for treatment by herbal medicine are: s Recurrent infections s Skin conditions s Digestive disorders s Urinary disorders

s Stress Allergies s Womenâ&#x20AC;&#x2122;s health s Joint problems and more

Consultations available in Jerusalem (Har Nof ) and Bet Shemesh Appointments t Email: DrAishHerb@gmail.com

TRUST â&#x20AC;˘ FOLLOW-UP â&#x20AC;˘ ONTIME FLEXIBLE APPOINTMENTS â&#x20AC;˘ FLEXIBLE PAYMENTS â&#x20AC;˘ GENERAL DENTISTRY â&#x20AC;˘ WHITENING â&#x20AC;˘ COSMETIC RESTORATIONS THE â&#x20AC;&#x153;OLDESTâ&#x20AC;? DENTAL PRACTICE IN RBS A ...

THE â&#x20AC;&#x153;NEWESTâ&#x20AC;? DIGITAL EQUIPMENT.

Dr. Ari Stern 02-999-6046

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

drstern@neto.net.il

Machine

Brought to you by Chashmal 1/2 Chinam

By Tomer Cohen

T

he first rule for selecting a washing machine is to match the machine to the client. This is like matching a cloth to a body -- the washing machine must correspond to the needs of the client in terms of the amount of clothing and frequency of use.

For example, a family that uses the machine almost every day cannot buy a very simple and inexpensive machine as problems will arise right away. Heavy loads on a simple machine will, in most cases, destroy the bearings during the first year.

Other important parameters: â&#x20AC;˘ The RPM of the spinning cycle affects the â&#x20AC;&#x153;squeezingâ&#x20AC;? of the water, i.e. effective squeezing shortens the time your dryer will need to finish the job thus saving you electricity. â&#x20AC;˘ Capacity: You should take into account the weight that the machine can hold and the amount of loads you need to wash. â&#x20AC;˘ The level of energy or consumption. â&#x20AC;˘ Cycles: The availability of short cycles saves time and electricity. â&#x20AC;˘ Timer: Machines equipped with timers to start at a later time allow you to program your washer to start late at night when electricity is cheaper. ď&#x20AC;ź STORE SPECIALS FOR AUGUST 2014: Quality Waffle toaster: Only 99 NIS Steam Iron: Only 48 NIS Wedding Package: High quality appliances: LG Refrigerator, Bosch 7 Kg Washer, Oven and FOUR gifts â&#x20AC;&#x201D; all for only 6,990 NIS JOIN US ON FACEBOOK: http://www.facebook.com/MYTIPIM Chashmal 1/2 Chinam is an electric appliance store located on 9 Yitzchak Rabin St., Bet Shemesh Tel. 02-999-7193

Michael, where are you from?

I am from Brooklyn, New York.

How did you become a professional fitness therapist and trainer?

I always wanted to help people as a therapist. At the same time, I was always a huge fitness enthusiast.

What’s your formal education in the field?

I received certification in regular “Fitness Training,” as well as “Specialized Training for Older Adults” including training as a specialist in “Exercise Therapy.” I also studied and practice Holistic Swedish Massage and I have a first degree in psychology.

Describe what happens during the first session with a client?

After a general introduction, the client and I assess what the fitness goals are as well as how we are going reach them together.

How is your approach to fitness different than that of other trainers?

I educate my clients as to how the body works. With better knowledge of what works and what doesn’t, results are not just achieved but sustained. My goal is to help get people to a place where they don’t need me anymore because they can do it themselves. Another role I play is one of a therapist/trainer. By this I mean not just telling someone what kind of exercise to do but helping the individual understand with knowledge and support how to break through and achieve a better quality of life. The goal is to help my clients succeed in the realm of health and wellness where they have never succeeded by themselves before.

Give an example of who are some of your clients.

I train people across the entire spectrum of life from a young man who has grand aspirations of becoming a pilot, to a middle aged woman with Parkinson’s disease. My oldest client is a 92-year old man. My goal for him is to keep him as young as he is in spirit. There are those I train who don’t fit any of these three examples. They consist of people between the ages of 30-60 who just want to feel good as well as look good, while doing their best to achieve greater health and wellness.

What type of equipment do you use?

I use very basic and mostly portable equipment. This includes resistance bands, free weights and sometimes stability balls. I do a lot of core body work that doesn’t involve any other equipment beyond the human body.

Interview with Do you advise your clients on nutrition?

Definitely. A balanced diet is key. We want the food we eat to enable us to have immediate energy and allow for future muscle Fitness Therapist growth. By not eating right, progress is impeded and fitness and Trainer goals are much harder to achieve and sustain.

What’s the goal of most of your clients?

To lose weight, gain strength and feel good. People also want to like what they see in the mirror.

Tell us about aging people’s need for exercising.

It can be summed up in five words “Use it or Lose it.” I am sorry if that sounds a bit blunt but that’s basically how the body works. You have to keep moving and challenge yourself at every age. By making these choices you improve how you feel, whether it’s more energy and strength or less pain from arthritis and rigidity.

Where do you train your clients?

I meet people in three possible locations: Their house or apartment, a local park or open area or my apartment in Jerusalem.

Who should contact you?

Anyone who is motivated to feel better, look better and live better.

How can you be reached?

Phone: 054-625-0269, e-mail: mnberezin@gmail.com Web: www.jerusalemfitness.com 

Helping Clients Lose Weight, Gain Strength & Feel Good

Michael Berezin,

Professional

40

•

AUGUST 2014

Bizness Magazine

02 999 3939

Bagir Woo Pants l

O.H.H

3 Accessories

20% OFF

210ˀ

Ties | Belts | Cufflinks

Dress and Sport Pants

Special Sale of Bagir wool pa nt 20% OFF s

Offer valid until Rosh Chodesh Elul

3 Shir.Ats

109ˀ

Special sale of Diplomat and Gio pants priced up to 169 nis for only 109 nis

only

199ˀ

irts for Selection of sh , short/long men & teens ite/color, wh , es ev sle 65% cotton

only

Selection of beautiful ties, leather belts & cufinks.

Buy 3 accessories that cost 100nis each & pay only 199nis for the 3 of them.

Reffreshin ng Su ummer at Lebo’ss Summerr 2014 collectiion is waittin ng fo or you at Lebo o’s witth a large sele ection of suitts, hats,, pantts, sh hirts, ties, beltts an nd much more.

You are invited to co ome to Lebo’s and enjoy our Summer speccialss.

Dress at Leb o’s!

Nachal Nitzanim 3, RBS A Mercaz | Tel. 02-9916054 Hours: Mon - Thurs 10:00 - 20:00 Fri 9:30 - 13:30 We do Alterations and Shatnes checking

BAGIR | O.H.H.A | GIO | DIPLOMAT | EMPORIO VALENTINI | HANES

Super-Pharm’s Professional Optical Network

FREE

EYE EXAM with purchase

Wide selection of BRAND NAME sunglasses starting at

199

d

Portofino Glasses with frame

199

d

All offers valid until the end of August 2014

SUPER-PHARM, Big Fashion Mall, Bet Shemesh, Tel. 077-8880930 Qualified optometrists only. Full money back guarantee if no adjustment. Can be used at Super-Pharm Optic branches only. Valid until supply lasts.

Photo for illustration purposes only.

Unlike with skin exposure to the sun, there is no positive benefit to the exposure of the eyes to the sun and to ultraviolet light (UV). In fact, the opposite is true.

Many eye diseases are related to exposure to UV light. Exposure to UV light can be dangerous to the same extent during all of the seasons of the year. That is why protection of the eyes is necessary all day, every day.

What is UV light?

Ultraviolet light is a component of sunlight which can be divided into UVB, UVA or UVC rays, according to the length of their waves. The shorter the wave, the greater energy level and thus the greater the potential damage that can be caused to the eyes by excessive exposure.

UVA rays are the longest UV rays. They are responsible for tanning and are connected to the early aging of the skin.

UVB rays cause sunburn and are associated, in many cases, to skin cancer and to eye problems such as cataracts.

UVC rays are the shortest rays and they are the most dangerous. Luckily, they are blocked by the ozone layer in the atmosphere and do not reach the surface of Planet Earth.

Many studies have shown a direct link between extended exposure to UV light and many eye diseases. The most well-known and widespread diseases in the modern world are AMD-Age Macular Degeneration. In this disease there is a gradual degeneration in the progression of the typical characteristics of the retina and this is a reason, as stated previously, for common blindness in the modern world. As of this writing, a cure for common blindness has still not been found although a few vitamins can slow down its development.

Cataracts (cloudiness in the lenses) is another eye disease that is most commonly found in the elderly. This disease also develops faster among people who are exposed to UB light in a more significant way.

An additional phenomenon, which is known as a definite sign of long-term exposure to the sun, is Pinguecula. This phenomenon begins as a growth of the connecting tissue in the white part of the eye, usually on the nasal side of the eye. It appears as a reddish area that darkens with time and spreads. It can turn into a Ptergium which is on the cornea, together with the blood vessels, and blocks the field of vision.

The best thing to do is to protect oneself against the UV light is either through the aid of eyeglass lenses that block them and with the aid of quality optic sunglasses which filter UV light in the most effective manner.

For those who wear contact lenses, there are also very good solutions. Today, one can find contact lenses from leading companies which filter out the UV light.

The shape of the eye socket and the eyebrow provide a certain amount of anatomic protection from direct ultraviolet light. In 42

•

AUGUST 2014

The Danger in Exposing Eyes to the Sun

By Oded Shachor

glaring sunlight, the exposure is reduced even more by the squinting of the eyes. But, it has been proven that the reflected light can still hit the eye sockets and the anatomical shape of the eye and its surroundings turn the eyes into becoming especially sensitive to the scattered sources or the reflection of ultra violet light. It has been experimentally proven that the use of a broad brimmed hat can reduce the eye exposure to ultraviolet light by up to four per cent. The use of quality sunglasses can bring about a reduction in exposure to 40% thereby reducing the danger of eye disease— specifically cataracts.

UV protection is especially important for children and teenagers as their pupils grow larger and their lenses are clearer than those of adults. Therefore, their eyes are exposed more to the UV light. In addition, they usually spend a lot more time outside in the sun and have a tendency to use sunglasses much less frequently than adults.

In summary: In order to protect the health of your eyes and that of your family, you must make sure that the eyes are not exposed to sunlight in an uncontrolled manner. Make sure that you have filtering sun classes or eyeglass lenses or contact lenses with a high degree of filtering for UB light.

You can contact Einit for further information: Jerusalem | Yeshayahu 2 | 02-5002050 Ramat Bet Shemesh | Nachal Zohar 10 | 02-991811. 

Bizness Magazine

02 999 3939

B

ellagio Estate

$& " ! ( $#' $)%! ' # &$)%' $ & # ' $&%$& ( #(' & ( ( ( &( ' !$& !$& (( % &( ' ! & #(' )% ($ ) '('

Indoors

Classic style | 2 bedrooms Large 90-meter suite | LCD screen Home theater system | Karaoke kit Air conditioning | Double Jacuzzi 5 double beds | 2 showers & one bathroom

Outdoors

Half acre yards of decorated lawns Private pool with sun beds & additional seating BBQ | Guests outdoor dining | Fish pond Rich vegetation | Jacuzzi spa Pergola with LCD screen & audio system Luxurious bar with kitchen (refrigerators, sink, hot plate, kettle) Bathroom & walk-in change room.

$' & " #)( & &$" $' # * #( $ ( !! $ !

!! )' #$ # & ' & ( !! $ '( (

Insurance is always on our mind so it doesnâ&#x20AC;&#x2122;t have to be on yours!

Enjoy your summer!

INSURING YOUR: Home | Health | Life | Auto | Business | Travel Egert & Cohen. Always by your side.

Â&#x2C6; \\\ JLJWYHTMJS HT NQ Â&#x2C6; JLJWY%JLJWYHTMJS HT NQ Â&#x2C6; YWF[JQ%JLJWYHTMJS HT NQ

44

â&#x20AC;˘

AUGUST 2014

Bizness Magazine

02 999 3939

DIRECTLY FROM OUR FACTORY IN THE DIAMOND DISTRICT Wholesale & Retail Professional jewelry repair & restore - Ring resize in 24 hours

ZVI HAGER DIAMOND & JEWELRY

MANUFACTURERS

054-499-9402 054-499-9402

appointment only by by appointment only

Rings Pendants Earrings Bracelets Necklaces Solitaires Rings Pendants Earrings Bracelets Necklaces Solitaires hagerjewelry@gmail.com

Car Garage

The Warning

Lights on your Car

By Daniel Ginensky, Service Manager at AutoKING

I

’m sure you have noticed that every time you start your car, a whole set of warning lights comes on for a few seconds and then goes off. This shows that the car’s computer is testing all systems and informing you of any problems.

These days everything seems to be computerized – including your car. Don’t worry – you don’t need to know how to operate your car’s computer; it pretty much works on its own. When there is a problem, a warning light comes on, and the computer tells your mechanic what problem your car might have.

We’ve all had this happen. You’re driving happily along the highway, when all of a sudden your Check Engine light comes on, or your temperature warning light flashes. Your heart sinks because you think your car is about to have a major problem.

The truth is, sometimes it does; but, usually, you have time to continue to drive your car to the shop.

Many car owners can’t decipher exactly what their car is trying to tell them. According to a recent survey from Schrader International, 43 percent of drivers are unable to recognize the low tire pressure warning light. This light can be a serious safety alert. Understanding these important warning lights will help you take the proper steps to remedy common problems before they result in expensive damage to your car.

Low Tire Pressure Warning Many modern vehicles constantly monitor the pressure of each tire, and inform you when there is a pressure drop due to a puncture. When the low tire pressure light turns on, you should pull over to visually inspect your tires.

While it’s fairly straightforward to visually identify a normal tire that has gone flat, it’s much harder to do so with a run-flat tire. If you see that a normal tire has gone flat, you should mount a spare or call roadside assistance. If you have run-flats, you should drive to the closest tire shop to get the tire patched or replaced. Driving a long distance on a punctured run-flat can be dangerous.

Even if the tire isn’t completely flat, low tire pressure can be a serious safety issue, as it impairs your ability to steer the car. It also negatively impacts fuel economy.

The low tire pressure light looks like an exclamation point in the middle of a horseshoe.

Low Battery Warning Depending on how much you drive, your battery will last 3 - 5 years on average. When the low battery warning light turns on, it’s a good idea to change the battery within a few days to avoid getting stranded somewhere because the car won’t start. It is also a good 46

•

AUGUST 2014

idea to carry booster cables in your trunk – just in case. Having cables will also enable you to help out other drivers who need a boost!

The low battery light looks like a car battery.

Brake Fluid Warning As your brakes are the most important safety device on your car, you should take the brake fluid warning light very seriously.

This light can indicate a brake fluid leak or another problem in your braking system.

If the problem is serious, you may experience diminished stopping power, which can have major consequences. When this light turns on, get a brake system inspection as soon as possible.

Brake failure can have life-threatening consequences for you and your loved ones.

The low brake fluid warning light looks like an exclamation point in the middle of a circle, which is enclosed in parentheses.

Oil Pressure Warning While coolant is necessary to regulate the temperature of your engine, oil is necessary to keep the internal components running smoothly. The engine is the single most valuable part of your car, so it’s important to make sure it’s properly cooled and lubricated.

When your oil pressure light comes on, it can indicate that you have an oil leak or that your engine is burning oil. In either case, it’s important to get your oil level back to normal. You can do this by purchasing the correct type of oil for your car (as indicated in the owner’s manual) and using the dipstick to measure how much to add. Be careful not to overfill the engine, as too much oil can also cause damage. To figure out the root cause of the low oil level, you should take your car to a mechanic for inspection.

The oil pressure light looks like an oil can, or like the genie’s lamp from Aladdin.

Temperature Warning When your temperature warning light turns on, your car probably has a coolant leak, bad water pump or faulty thermostat. Driving a car with cooling problems can cause the engine to overheat, which can destroy the gaskets within the engine or even cause the delicate metal components to warp. An overheated engine can cost thousands of shekels to rebuild or replace. Take your car to a mechanic as soon as the temperature warning light comes on.

The temperature warning light looks like a thermometer floating on water.  About the Author Daniel Ginensky (left) is the Service Manager at AutoKING. AutoKING is an Anglo owned repair shop, offering service in both English and Hebrew. The mechanics at AutoKING are experts in all types of auto repairs and service and Ariel (right), the head mechanic, is a master at quickly diagnosing problems. Daniel and his team provide exceptional customer service at very fair prices. AutoKING is located across the parking lot from BIG Fashion Mall. It is open Sun-Thurs from 8:00 -19:00 and Fridays until 12:00.

Bizness Magazine

02 999 3939

Breaking the Language Barrier

Marvelous Workshops

Bigger and Better

Networking & services uniquely tailored for you

LOOKING FOR A JOB?

Don’t miss the Employment Zone @

The Event 2014 Featuring networking sessions led by specialists from the Jerusalem Business Networking Forum Bring your CV

DON’T MISS OUT Thursday, August 14th Binyanei HaUma, Jerusalem 11:00-20:00, FREE ENTRANCE! Visit us on Facebook

Register today at: www.theevent.org.il

&Žƌ ĨƵƌƚŚĞƌ ŝŶĨŽƌŵĂƟŽŶ͗ ϬϮͲϲϮϱϮϵϯϯ Žƌ ĞŵĂŝů͗ƐĂůĞƐΛŝŵƉŵĞĚŝĂ͘ĐŽ͘ŝů

Meet the Exclusive Importer of Interview with

Eliezer Rosenblatt Where are you from Eliezer?

I am from Montreal, Canada.

What is your background?

I grew up in a modern orthodox Zionist family.

When did you make aliyah?

I made aliyah in 2007.

Tell us about V-ZOT and how it came about.

It all began with the simple idea I had of manufacturing a line of products that used liquid crystal color change technology.

I decided that this technology would be perfect for products such as bath thermometers and wine thermometers.

Bath thermometers read temperatures fast and easily. Our color-changing wine thermometers measure wine temperature in seconds and are simple, portable, and popular — perfect for wineries and wine distributors.

What type of products do you manufacture and import?

Today we manufacture products such as the bath thermometers and wine thermometers that I mentioned earlier. We also manufacture the non-invasive and sanitary lines of disposable forehead thermometers geared towards large institutions. Our simple, reusable line of forehead thermometers also fits the bill for moms-­on-the-go and globe trotters everywhere. We also import toys and trend products. We bring fun into the lives of our children through the distribution of a line of toys and colectables. These include color-changing stickers to licensed and merchandised products. Our toys bring out the smiles and giggles we all love.

From bath thermometers to heat warning labels, our childsafety products are easy to use and help moms, dads and caregivers create a safe, child-friendly environment. And they are customizable.

We hear that you are the exclusive importer to Israel for Rainbow Loom. What is Rainbow Loom?

Rainbow Loom is the latest fad for children. It is a plastic loom used to weave colorful rubber bands into bracelets and charms. It was invented in 2011 by Cheong Choon Ng of Novi, Michigan. As of September 2013, over 1.2 million were sold.

And we are the official distributor in Israel.

48

•

AUGUST 2014

Is Rainbow Loom your best seller?

Most definitely.

What are your distribution channels?

We generally sell to retail stores. We also have an on-line store for our Rainbow Loom products which can be accessed at: shop.rainbowloom.co.il What advice can you give to people thinking about importing or manufacturing a product here in Israel?

It is always best to do a lot of research before engaging in any business. Finding the right advisor(s) is also very important.

How can people buy your products?

Rainbow Loom products are available at shop.rainbowloom. co.il Our other products can be ordered through our company website at: www.v-zot.com 

Bizness Magazine

02 999 3939

Clean House

Insects and pests!

Kobi Exterminator

Do the Cleaning and Polishing with the experts! *Control of all types of pests: cockroaches, ants, rats, mice, ďŹ&#x201A;eas, ticks, termites, weeds and removal of pigeons * Upholstery & carpet cleaning * Tile & crystal polishing by a Professional team and modern tools * Control of pests based on routine maintenance * Maintenance of the Azrieli Mall, factories, public buildings, halls, Hospitals, restaurants and cafes * All permits and licensed including ISO 9001:2008

Limousine Service New cars up to 8 seats Buses & shuttle services to all parts of the country Transportation to & from Ben Gurion airport - VIP service Luxurious vehicles- television, free Wi-Fi, water cooler Reliable and courteous service

052-2403141 | 057-2403141 Dayannissim@gmail.com

“Everyone who buys furniture conducts a market survey before they buy” How many years ago did you open up your store Yukkra Furniture?

Six years ago.

What made you decide to go into the furniture business?

I like beauty, design and special things. I connected with working with furniture which included all of these. I feel that I have fulfilled my potential and I get great satisfaction.

From where do you buy your products?

I only deal with factories that manufacture quality furniture made from sandwhich wood, hardwood or MDF such as furniture from the Birman Company, made only in Spain. The majority of my suppliers are from Italy. This is where I get my designer’s eatin kitchens and my Louis bedrooms which are made abroad. I also order from the best factories here in Israel in order to save costs.

The store has special living rooms, dinning rooms, amazing eat-in kitchen sets, quality bedrooms, buffets, children’s rooms, and much more.

What is the quality of the furniture?

Simple furniture does not enter my store. That is our policy.

I do not deal with furniture that is manufactured with melamine or chipboard. Even if a client desires a cabinet from melamine or chipboard I have nothing to offer him. I will convince him to buy only a quality product that will last a long time. I invest a lot in the quality of the furniture and I only deal with factories that work with the best products. Even when dealing with sandwich I only hold the best—red plywood. All of my kitchen sets are from full wood, strong, high quality and beautiful.

Why do clients return to buy from you?

Customer service. All of my clients already know that I don’t leave a client unless he is 100% satisfied. I give attention and a smile to every one entering the store in addition to service so that the customer feels that he is in good hands, is never disappointed, sends us more friends, neighbors and family and highly recommends our store.

I know each client and do not forget anyone. I am very connected to them and I have a special relationship with each client. I don’t use any salespeople because I want to give my clients my personal attention. I provide maximum service so that they will be 100% satisfied after their purchase. I advertise my own personal phone number and answer it 24 hours a day.

Do you make recommendations according to the style of the customers?

Yes and how! When a customer comes into store, I notice what style he likes. Afterwards, I recommend what I think is appropriate for him from what I have in stock. I try to show him other samples which he might find appropriate. I try to get into my customers’ heads and I am very, very patient. I give everyone the time they 50

•

AUGUST 2014

deserve and all the facts and figures that they need to choose.

I give them time to change their minds until they arrive at the best choice for themselves.

A husband just told me that he had never before seen a salesperson who had so much patience for his wife. She came into the store three times until she decided to buy. And why did she decide to buy from me? Because of the service, the quality and also because our price was the lowest in all of Jerusalem.

How can you promise the lowest prices in the marketplace?

Everyone who buys furniture conducts a market survey before he buys. You don’t buy furniture every day. I get customers from Hazor Haglilit, Dimona, Ashdod, and Elad. All of them say that my prices are the best. I prefer to sell and make a smaller profit, like in the market. It is worth my while and especially pays off for my customers who have checked out what else is available and at what price.

How is it that there are so many similar stores but you are so much cheaper?

One of the reasons is that I deal directly with the factories in Italy saving on all the middlemen expenses. I don’t want to give my customers the feeling that they are buying a very expensive piece of furniture. I want them to know that they have purchased a very high quality item but not at a very high price. In that way they will enjoy using the furniture and I will be remembered positively.

Where is your store located?

My store is located in Jerusalem, in the Ramat Shlomo neighborhood (Rehov Bircat Avraham 2), ten minutes from the center of town. You can reach it with the 67 bus from the Central Bus Station. You can coordinate with me and I will explain to you how to get here. The store is open from the afternoons until the evenings since these are the most comfortable hours for clients to come after they have put their children to sleep. However, we can accommodate morning visits by request.  Nechama Aharon from Yukkra Furniture can be reached at Tel: 052-767-2480.

Bizness Magazine

Interview with

Nechama Aharon,

owner of Yukkra Furniture

02 999 3939

Dr. Jonathan Links -

Dr. Links uses the latest techniques from USA and Europe, based on the most up-to-date science, to create beautiful smiles that will last a lifetime.

High Quality Orthodontic Treatment, in the hearts of Jerusalem and RBS.

BÂ&#x203A;Â&#x2018;Â&#x192;çĂ?Â&#x203A; DĂ&#x2122;. LÂŽ Ă&#x201E;ÂťĂ? ½Ă&#x160; ò

ç Ă?Ă&#x192;Ž½Â&#x203A;! ÂťÂ&#x203A; ĂšĂ&#x160; Ă&#x192;Â&#x192; ĂŁĂ&#x160; Â&#x203A;Ă?

02-9924267 (RBS) 02-5004856 (Ganei Geula) 02-5711624 (Ramat Shlomo)

MARTIAL ARTS

â&#x20AC;Ť×&#x2018;ץ"×&#x201C;â&#x20AC;Ź

SELF-DEFENSE Men, Teens, Boys

We train year-round!

Group, private, and specialized training Special summer semester: Come try us out.

To book your session call:

054-5316734 Rivka.

Discipline Fitness

Š

Focus Self-Confidence

Ramat Beit Shemesh A Private studio, available for rent

052-786-9635, 077-431-0116 M.ARTS.ACADEMY@GMAIL.COM

A Conversation

with Rabbi Shea Lewis of The Yanar Institute Can you tell us what Yanar is?

The Yanar Institute was founded approximately 15 years ago. Until that time, there was a lack of religious Israeli professionals capable of working with marital crises. Couples in distress were going to both professionals that didn’t fully understand their world and rabbis and community activists who came from similar backgrounds but weren’t professionally trained. Both of these options were leaving many “casualties” along the way. To counteract this effect, the “Yanar” dream was born.

Professor Ami Shaked, a respected authority in the field, together with Meir Asor, a to’en rabani dealing with court-divorces almost daily, were introduced to each other. Immediately the wheels were set in motion for a highly professional training institute. And the rest is history!

So is Yanar a training institute or an organization that provides counseling services?

That’s a good question! We operate on both levels. Although we have a training institute that we are proud of, our daily nachas comes from the countless clients that come in for professional counseling and whose lives we are able to help and turn around.

What types of counseling do you offer?

Aside from couples’ counseling, over the years Yanar has expanded its areas of operation to include other forms of counseling including specialized programs that deal with adolescence, addiction, abuse and more recently the impressive Cognitive Behavioral Therapy Program which is run together with the Israeli Board of Cognitive Behavioral Therapists (IT”A). This has enabled us to expand. We now have specialists in trauma, anxiety, OCD and other difficult situations that many families are trying to cope with desperately.

How about a place for English Speakers?

When I came to Yanar, it was specifically to open an English department. That was nearly four years ago. We have recently successfully graduated our first two classes, men and women, who are doing excellent clinical work. B”H we have managed to help scores of families and couples and hopefully help with some of the problems in Klal Yisrael!

Is there a difference between psychologists and counselors?

The current situation in regard to professional counseling is complicated. Unlike America, there are still no governmental regulations covering this field, although they have been talking about drafting a law for nearly 20 years now. (That’s our fast Israeli bureaucracy!)

52

•

AUGUST 2014

In absence of licensing, Yanar has reached out for the highest credentials available in this field -- professional certification from the psychological division of the Israeli Ministry of Education.

In addition to this impressive credential, graduates also receive a diploma from a respectable American university and an option to graduate with academic degrees.

But, perhaps more importantly than all of these credentials, is the high caliber of the studies itself, presented by some of the top names in the field and syllabi that are structured on post-graduate training programs. Lastly, the practical experience that our students receive is outstanding. We even have students join Yanar after they have already obtained degrees in chutz l’aretz because they felt the need to obtain the practical skills we offer.

What are the main problems that currently affect our communities?

The Israeli public struggles with many social problems, issues that are constantly changing due to changing social trends. During the last few years, there has been an alarming increase in youth criminality, alcohol and drug addiction, etc., even within what we thought were insulated communities. In addition to all these, there has been a sharp and continuous rise in the divorce rate that reflects problematic marriage relationships. Particularly in the English department, we deal with many difficulties that arise from cultural clashes that affect families of new olim.

How are these problems best addressed?

Research shows that the disintegration of society stems from the fact that family harmony is weaker than it once was. The best way to solve these issues is by healing and facilitating normal family relations. In addition, despite the positive efforts by the authorities, marriage consultation is still inaccessible to many couples in the need of assistance, advice and treatment. Social workers are overloaded causing many cases to go unattended and some referred cases do not get adequate attention.

Under the current circumstances, there is no way to introduce preventative treatment into the Israeli social system, despite all professionals in the field agreeing that this is of utmost importance.

If our readers want to take advantage of your counseling services, how can they do this?

Recently, Yanar has taken a leading role in the field and is now the address of choice for hundreds of families and individuals in crisis each year. We believe that no one should suffer in silence.

Please tell your readers that they can call the Yanar hotline at: 02-632-1606 or contact us by e-mail at: ynr.english@gmail.com We have trained therapists throughout the country and permanent clinics in five cities. No one has ever been turned away for lack of funds. Turn your life around today!  www.ynrcollege.org

Bizness Magazine

02 999 3939

Emergency Campaign ‫בס”ד‬

X-Ray

& Digi tal Ima ging c lini

os C

bb

Sha

Day Care for

Shabbos Retreats Special Need

s Children

Hospita l Shuttle h s emac

lG Medica Emergency Burn Treatment r Camp Summe s d e e N Special

Ezrat Achim Has Been Forced to Reduce Many of the Services They Offer and Others may need to be Cancelled, Including those for Special Needs Kids.

Don’t Let This Happen

Share Our Burden

We All Need Ezrat Achim We All Benefit From the Chessed

Please Donate Today

By Calling 02-999-0000 ext:0

Or Ask To Have A Hora’at Kevah Form Dropped Off At Your Home.

What made you come to Bet Shemesh from Jerusalem to start Kitchens here? ŸĂ&#x2C6;´½ œ°¡½´ °´Ă&#x2026;¸à I still have work in Jerusalem but today, after 20 years, the younger Anglo Saxon crowd is more and more moving to Bet Shemesh and I felt that it was important to serve them there.

Based on your 17 years in the field, what are the advantages of a â&#x20AC;&#x153;one stop shop?â&#x20AC;?

Today, everything that one needs to buy is in different places causing clients to have to run from place to place. For a long time I have thought about establishing a â&#x20AC;&#x153;onestop shopâ&#x20AC;? for many of the items which are needed for building kitchens as well as for the rest of a house. And today, here I am!

Kitchens is the place to come if you are renovating or buying an apartment and you wish to have fun doing it. We have 3-D programs so that you can see how the furniture and other accessories that you have picked will fit into your house. We can show you, in 3-D, the various types of closets and what the various types of materials look like such as wood, full Formica, polymer, glass, epoxy or other popular ones.

Our company is proud to be the official distributor of world renowned Pirzul and Blum products carrying a 12 year warranty.

We are also distributors of Caesar stone.

We carry a large selection of marble granite, ceramics, glass, Blanco and Fordham sinks as well as faucets from wellknown companies, all which come with full What services do you provide? warranties.

Why Anglos?

I do everything for my clients starting I learned their lifestyle and what they Dealing with big budgets is easy, how do from the day we meet, up until the day that love. My expertise and my experience are you deal with small budgets? they receive the key. This includes preparwith clients from abroad and thank-God This is one of the benefits of having built so much. I know how to help people who ing the building plans, furniture, lighting I have built many wonderful houses for have small budgets and who do not want and anything else they might need to build them. or cannot put everything into their house. their house in Israel and of course a kitchWhat is the Goldshtein Kitchen Unless you really understand what you do, en according to their own personal taste advantage? whether it be classic or modern. We make We understand your needs. The most apparent savings come out more expensive everything perfect. important thing that you will get from us is in the end.

How many years have you been in the our experience. Because of it, we are able You have invested a significant amount in construction/renovation industry? to advise you on what is good and practiyour showroom here, whatâ&#x20AC;&#x2122;s your goal?

I have worked in the design and concal for your house. We know what is good We want you to be impressed by what struction industry for 16 years. for a family with a lot of children and what you see and enable you to run your hands What type of projects have you done? is appropriate for a family which is already over the kitchen you have been dreaming HPDLO NLWFKHQV@JPDLO FRP a Â&#x201E;¡ a Â&#x201E;° Ă&#x2C6;½Ă&#x2C6; Ă&#x2030;¸° Ă&#x2030;½Ă&#x2021; ¸º²Ă&#x2021;½ Ă&#x2030;ºĂ&#x2030; Â&#x201E;ÂśĂ&#x2021; ³¹´Ă&#x2026;Ă&#x2030; Ÿ´¯ I have built dozens of private homes marrying off their children. We know what of. We feel that there is nothing like being and other projects such as Koenig, Ganei is appropriate for a young couple and what able to walk around a pleasant, air-condiGeulah, etc. and dozens more projects in is appropriate for a grandmother and grandtioned area where there are professionals Jerusalem such as Shefa, Ranat Hazafon, children. Everything that is used needs to who understand your heart and who will Pninat Chemed and Nofei Eliyahu. I have receive you nicely and withpatience. ď&#x20AC;ź be used properly. For example, how high also built over a hundred studio apartments should the counter be in the kitchen so that To contact Miriam Goldshtein at the where everything is included but just smallKitchen showroom in Bet Shemesh, it will always be comfortable and will not er and more compact. please call Tel. 02 624 3773. give you a backache.

Interview with

Miriam Goldshtein of Kitchens

ONE-STOP SHOP FOR YOUR NEW KITCHEN â&#x20AC;&#x201C; No Headaches

54

â&#x20AC;˘

AUGUST 2014

Bizness Magazine

02 999 3939

Daniel Had a Dream

…Sky Diving!

A

week before Daniel’s 17th birthday he was diagnosed with cancer.

The diagnosis was DIPG (Diffuse Intrinsic Pontine Glioma), a very rare and fatal form of cancer. To the family’s great shock and disbelief, the doctor predicted that Daniel only had a few weeks to a few months left to live.

The doctor noted that Daniel’s case was a rare one, as this form of cancer was not usually found in teenagers but rather only in young children or older adults. Being an exception gave him hope to fight and overcome this terrible disease. To confirm the diagnosis that was made in Israel, the Ray family traveled to Chicago to get a second opinion. The results there were consistent with Israel’s diagnosis.

After the diagnosis, Daniel was put on steroids. Months later, there was no sign of tumor growth which was shocking due to the severity of the tumor.

Daniel was never able to get off the steroids. At 19, he started receiving more conventional treatments due to the fact that although the tumor wasn’t growing, it was still putting pressure on his brain and he needed to get off the steroids that were destroying his health.

Treatments lasted for six weeks. Needless to say, after the first round of treatments Daniel felt terrible and sickly. Six months later, the MRI results surprised both the family and the doctors.

The tumor has shrunk incredibly.

In the middle of this horrible experience and not knowing how

long he would live, Daniel had a dream…sky diving! He asked his doctor for permission, got the go ahead and four Chaiyanu volunteers drove him up to Haifa. Believe it or not, Daniel jumped out of a plane. His dream came true!

It took two years but it finally happened. Daniel went to Camp Simcha (our camp in NY, where Chaiyanu sends over 60 cancer children from Israel) and here is one of the greatest stories and a highlight in Daniel’s life. Camp Simcha was going to the Mets game but Daniel wasn’t able to go by bus due to his poor health at the time. Chaiyanu arranged for him to fly by plane from the mountains into New York City. A little secret. Daniel always dreamed of being a pilot. In fact, before he got sick, he had begun learning for his pilot’s license. So guess what? Daniel flew the plane!

After Daniel was feeling a bit better, Chemy, his volunteer, invited him and a group of Chaiyanu kids and volunteers to a concert on a moshav. Although traveling by a wheelchair was always an uncomfortable place for Daniel, he had no choice as it was almost impossible for him to walk. In the middle of the concert, Daniel wanted to go up on stage and publicly thank Chemy for all of his selfless dedication, his being there for him over the past years. No one knew how he would get up on stage with the wheelchair and all. Everyone was totally blown away as Daniel stood up and walked up the stage to hug his best buddy Chemy and say, “Thank You.” There wasn’t a dry eye in the entire crowd!

Daniel was a fighter. Throughout the grueling and hard times of his illness, he constantly did the most he could do, not only for himself, but for others as well. If there were steps, he would try to climb them so that people wouldn’t have to carry him. He always tried to find a way to do something himself -- even though it was extremely difficult and even painful!

It took Daniel a long time to get back to himself after months of intensive treatments. A half a year later the MRI showed that the tumor had shrunk even more significantly. This year, around Purim, a true miracle happened. Daniel kicked his wheel chair goodbye, lost a ton of weight and started to get back to yeshiva, a normal life and learning a trade.

Today he is a healthy 20-year old ready to get married and have a family of his own!

Join the Chaiyanu Family. Seize an opportunity to volunteer or provide a service for children with cancer and their families.

Please e-mail us at: ypinsky@chailifeline.org or at: info@chaiyanu.org.il or call 1-800-222211.  www.BIZNESSMAG.com

•

55

Rebuilding the

Churban Next Door

K

upa Shel Tzedaka of RBS A has made the rehabilitation of families a top priority. With proper guidance and financial support, families can be extricated successfully from a seeming maelstrom of problems.

In these days of mourning over the destruction of the two Batei Hamikdash, many of us spend time in introspection, asking ourselves what we can do to bring Mashiach and see

Everything looks brighter with Einit’s professionalism

IAL GIFT* ER SPDiEC SUMM Album al git Beautiful A

from Photo Point

2 year warranty

Optometric examinaƟon

UV coaƟng

*With purchase of glasses over 350 nis

56

•

AUGUST 2014

Bizness Magazine

the rebuilding of Jerusalem. Chazal teach us that the Jewish home is a mini Beis Hamikdash, a resting place for the Divine Presence. Most of us are blissfully unaware that in the surrounding streets -- perhaps in our very own apartment building -- there are many households on the brink of ruin, a ‘Churban’ of this microcosm of the Temples of yore. In speaking to the Kupa Shel Tzedaka’s experts who have many years of experience in dealing with hundreds of such households, we received an inside look at their monumental efforts to prevent the collapse of families and to rebuild some of these Batei Mikdash from the ruins.

“When a family is faced with a specific challenge, it is often enough to provide basic financial assistance to tide them over the difficult period,” says Rabbi Shmuel Z. Eidensohn, the Kupa’s longtime chairman.

“However, when the family is faced with multiple issues that require an effort on several fronts, things become more complicated. For example, if one of the parents suffers from a serious medical problem that requires hospitalization, this means more than just added expenses and a loss of income. The house falls into a state of crisis, run with the assistance of neighbors and babysitters. The children’s attendance and performance in school may suffer. Bills go unpaid and water and electricity are on the verge of being cut off or have already been cut off. Checks begin to bounce and the bank and creditors begin to exert pressure.

In such a situation, as the problems mount and begin to appear insurmountable, the parents are not far from emotional breakdown. Each shekel entering the house is swallowed up even before there is enough time to purchase groceries. The available sources of assistance begin to be overtaxed.

Despair begins to set in with a sense of impending disaster.

“Sometimes, the catalyst of collapse is one of the parent’s losing his or her job. At first there are some unemployment benefits to tide them along and the motivation

02 999 3939

to follow up on job prospects is still high.

However, for some, no immediate employment is available in the short-term and even in the long-term that would allow the family to continue living at the level to which they had been accustomed for years. The overdraft has become overtaxed to keep up with the monthly shortfall. Sometimes this can continue for as long as a year or even two. The bank is no longer willing to extend credit and there are outstanding debts to all of the local gemachim, neighbors and friends. The childrenâ&#x20AC;&#x2122;s schools are threatening suspension now that the tuition payment has been refused by the bank for the sixth consecutive month. Finally, the mortgage has gone unpaid and the bank is threatening foreclosure. The local grocery will no longer allow the family to run up its tab and the children go to school without even a sandwichâ&#x20AC;Ś â&#x20AC;&#x153;As horrifying as this sounds, this is not all. The parents are, after all, only human.

Their strength has reached its limits. How long can one keep up a struggle for meager subsistence? One or both of the parents fall into depression, requiring immediate psychological and even psychiatric intervention. But, how can a family that cannot afford food pay a therapist? The treatments are put on hold. The house suffers serious neglect. The children, lacking parental guidance and their natural emotional support system, begin showing signs of frustration and even delinquency in school. In this fragile state of affairs, even a simple strep throat can land a child in the hospital when the mother is unable to scrape together the 13 shekel co-payment for antibiotics at the pharmacy. â&#x20AC;&#x153;The neighbors and the staffs of the various schools throw up their hands in anguish. They try to help. Some money is raised and this helps for a few months but how long can they continue? Supporting the family requires considerable amounts of money. Besides, where should they start?

Should they concentrate on the children or

the parents? Should they buy food and medicine or make a mortgage payment? It requires a significant measure of experience, knowledge and fortitude to make such decisions. â&#x20AC;&#x153;It was with this in mind that the Kupa established its Rehabilitation Department. A multi-faceted staff of experienced volunteers gathers the relevant information and creates a comprehensive picture of the familyâ&#x20AC;&#x2122;s situation and needs.

Ministry of Aliyah and Immigrant Absorption Business Initiative Division

New Immigrants, Returning Residents We're New withImmigrants, you on the way Returning Residents Ministry of Aliyah and Immigrant Absorption Business Initiative Division

to success in business We're with you on the way to success in business

You are entitled to a Ministry of Aliyah and Immigrant Absorption business loan of upYou to are entitled to a Ministry of Aliyah and Immigrant Absorption business loanNIS of

125,000 125,000

up to with attractive interest rates and collateral terms NIS available to new immigrants and returning residents for establishment of a new business or advancement of ancollateral existing one terms with attractive interest rates and available to new immigrants and returning residents for establishment of consultation by top mentors a Business new business or advancement of an existing one

+

LQ PDUNHWLQJ Ă&#x20AC;QDQFHV VWUDWHJ\ DQG PRUH

To exercise your consultation rights and schedule an appointment Business by top mentors

+ LQ PDUNHWLQJ Ă&#x20AC;QDQFHV VWUDWHJ\ DQG PRUH Contact MATI: 1-800-23-20-23

To exercise your rights and scheduleS an appointment

can! D Our pr on't miss ofes worksh sional Scan! D ops Our pr on't miss ofes worksh sional ops 9 Haâ&#x20AC;&#x2122;Uman Street, Talpiot, Jerusalem | www.mati.org.il | info@mati.org.il

Contact OR MATI: 1-800-23-20-23 OR

Â&#x2DC;Â&#x192;Â&#x152;Â&#x201E;Â&#x2021; Â&#x2026;Â&#x192;Â&#x2019;Â&#x2021;Â&#x2020; Â&#x201E;Â&#x2030;Â&#x2013;Â&#x152; J E R USALE M

Â&#x2039; Â&#x2021; Â&#x160;Â&#x2014;Â&#x192; Â&#x2013; Â&#x2021;

Â&#x2DC;Â&#x192;Â&#x152;Â&#x201E;Â&#x2021; Â&#x2026;Â&#x192;Â&#x2019;Â&#x2021;Â&#x2020; Â&#x201E;Â&#x2030;Â&#x2013;Â&#x152; J E RU S AL EM

Â&#x2039;Â&#x2021;Â&#x160;Â&#x2014;Â&#x192;Â&#x2013;Â&#x2021;

Loan is contingent on eligibility determined by the Ministry of Aliyah and Immigrant Absorption

9 Haâ&#x20AC;&#x2122;Uman Street, Talpiot, Jerusalem | www.mati.org.il | info@mati.org.il Loan is contingent on eligibility determined by the Ministry of Aliyah and Immigrant Absorption

www.BIZNESSMAG.com

â&#x20AC;˘

57

“Financial experts analyze the situation, separating the family’s debts from its operating expenses, and prepare a feasible monthly budget based on the family’s current income which is supplemented by financial assistance from the Kupa and other sources. Mental health professionals assess the family’s emotional situation and prepare a treatment plan that addresses the needs of all its members. The highest priority is to restore the parents to their highest level of functioning so that they can reassume responsibility for providing their family’s needs. Legal experts contact the various creditors and collections agencies, freeze and consolidate debts and help procure enough breathing space to consider various options and payment plans that will begin in the near future.

“With this multi-pronged approach, we build a team that is most suited and capable of getting the family back on its feet, instilling them with new hope that they will return to productivity, to raising healthy children and providing them with their necessities. Once the plan is complete, it is presented to a special committee for review and approval. This committee also determines the sum that will be allocated to the family -- which sometimes can reach tens of thousands of shekalim annually per family. Once the plan is approved, a case manager tracks the plans implementation, until, with much siyata dishmaya, the family is restored to financial independence and its former happiness.” 

ISRAEL IN W O N IT H USA LATEST

Smiley helps you start the year with joy!

ISE HOME EXERC DANCE GAME & AEROBICS LL NTURE FOR A FUN & ADVE

lds and i t’ It fo

Free delivery with purchases over 300 nis until 18/8.

y wa

o asy t put a se

`` Textbooks for all schools `` Come with your list of textbooks and school supplies to Smiley and receive personal service and attention.

SPECIAL LAUNCH PRICE! Wide variety of different programs Wide variety of Chasidic music to enrich the activities

Call, fax or email us your list at: Tel. : 02-991-9374 Fax : 02-9914 454 Email : smiley.dolev@gmail.com

Nachal Dolev 19, 3rd Floor, Park Center Mall Hours 9:00 - 20:00

Choices for starters and advanced users Option to personal profile set ups and calorie burning Option to put two mats for competing Includes USB plug for the computer

For information and to order call 050 410 0132 paneach1@gmail.com

Available at your favorite stores

58

•

AUGUST 2014

Bizness Magazine

02 999 3939

Much More than

just great coffee

Hadar Mall, Talpiot (Pier Kenig 26)

Tel. 02-536-7870

“Meuhedet’s pediatric subspecialties are extremely well-represented”

ician

ediatr ger, P

, in s hereount ic r t ia d M pe in ital on phy S I specializeddain a h Hosp a R s s . r a th D at Ha Israel, s. iew wi ide to become v r e k with t u p n I o wor Sco dec t u e o s d y o e s did t? u cho y or. I u When ? did yoim Meuhedein communit e a doct about age y s h r a o W t w l b c k o r t r e h A o a do o h .

C t w t d t ic a o a h pa ky e f dt clin My lat him in his at he always give to Kulways wante d was luc esh was in it n a h m ld I a t is e u v h o d s ed a e w t to Beit S diatric I start I notic ich he ed tha three, f candies wh . I also notic about pe ailable when years ago. Meuhedet bowl o ng patients I think it was ome a av infancy 21 l center for fore Ramat c e a its his youalways full. cided to be long b a town medic small ov Bar Ilan, a twinkle in re were it was e that I de off Reh emesh was at time, the t here. that tim ics? r t hede . a et Sh r i . At th o d t doc in pe and my B lanner’s eye bers of Meueuhedet has e z i l a i spec diatrician school p ly 200 mem tial and M est kupah e n id you g Why d her was a p ed nursery `kp ]fi on aw the pote into the lar Is n w o r My fat r was a train_X[ Xe X]Ôe g since Shemesh. mothe i% @ XcnXpj `\ekj6 t e B \ li gXk more in _ f p k k\XZ n. Ô s k Y\e\ h, the childre [f\j `r the kupa provide. Aic ? ersity n n i iv f a n r ? t U r n e t u e a g ia o c h id ig y t d d b e t p did e . I s it e a Where d medicin South AfricaSchuur Thcal service euhedet’s extremely ie M d lo u in e t , t e s n o I ar result of the e Tow t Gro s of Cap ternship a own, the site Xc`pX_ a bspecialtie u my in al in Cape T ek% @ dX[\ rnship. s Hospit \Xik kiXejgcX my inte Ôijk _ completing after

60

•

AUGUST 2014

Bizness Magazine

02 999 3939

well-represented. We have pediatric nephrology, pulmonology, orthopedics, surgery, gastroenterology, endocrinology, allergy, dentistry, ENT, neurology and a thriving developmental center. The richness of our services means that we have to send very few people to other cities for consultation.

What are the main areas where medical care in Israel shines compared to other developed countries?

In developing a medical system, a country has to decide how to apportion resources. As science progresses, the cost of medical care rises. The health ministry of any country faces a dilemma: Does it give everything to a few or does it spread its resources so thin that it gives a little to everyone. I think that Israel has managed to balance the equation. The community medical system is socialized but has built in competition between kupot. The tertiary care in hospitals is excellent. The cost to the consumer is based on income and is cheap compared to other developed countries. There are, of course, cracks in the system, but by and large it works very well.

Dr Singer, you run an extremely successful pediatric clinic. As a business magazine, we at Bizness would like to know about your business model.

From the very start I tried to make myself as available as possible. I added many extra hours and sessions as the demand arose, where other kupot split the lists between a number of doctors. The continuity of seeing one doctor several times a week was more re-assuring than seeing two or even three different pediatricians in the same week.

When I moved to Bet Shemesh, I opened up a night service which offered after-hour home visits. This was also a reassurance to parents that they could phone at any time, day or night.

About 15 years ago I was so busy that I could hardly keep up with the paperwork. I had to put in many extra hours of work after the clinic closed just to keep up. In desperation, I hired a secretary who sat in my clinic and worked on all the paperwork and answered the phone. As we became computerized, I found that a personal secretary was indispensable.

My secretary works on the computer, records the history, notes the examination and writes out tests and prescriptions simultaneously while I deal with the patients. This allows me to spend maximum “face time” with the patients and parents without breaking eye contact. This gives a greater feeling that the doctor cares for the patient and does not spend half his time locked in with the computer.

Availability is still a major concern. Parents can phone in at any time and speak with the secretary who will relay any professional matters to my attention. We run an e-mail list of over 700 families, allowing me to inform parents of any important health updates or if I will be on holiday at any time. People can e-mail in any requests, like preparing repeat prescriptions ahead of time or preparing referral letters as needed. After hours, the e-mails are directed to my smart phone so that I can answer immediately.

I also have a walk-in policy whereby, if an emergency situation arises, parents can bring in their children without an appointment. I run two separate lists and give priority to patients that have booked in ahead of time.

What’s your professional goal for the long-term?

I would like to give the best possible treatment to as many people as possible. Over the last nine years, I have instituted an ”Annual Well-Child Check-Up” where I follow a child’s growth and development over time, with an eye towards early detection of problems before they become health issues. Every child under my care, from 2- 12 years gets a personal letter inviting them to come in during the summer.

For the past ten years I have run a sentinel clinic for the Israel Disease Control Center of Misrad HaBriut.

Every week during the winter, I send away samples ]fi k_\ [\k\Zk`fe f] Õl% K_\ ]\\[YXZb `j `emXclXYc\ `e [\k\Zk`e^ k_\ jkX`ej f] Õl iXdgXek `e k_\ Zfddle`kp# as well as getting a perspective of what other doctors are seeing in their practices.

How should parents choose their children’s pediatrician?

Choosing a good pediatrician is the key to peace of mind during your children’s early years. You should feel free to interview prospective pediatricians before your children are even born. These are the points to look out for: Will your pediatrician be available to you whenever you need him/her?

Do you feel comfortable to speak about any topic?

Does he put children at ease or are children scared of him? ;f\j _\ `ejk`cc `e pfl X j\ej\ f] ZfeÔ[\eZ\6 Is he trained in pediatrics or is he a general doctor who likes to see children? Ask to see his hlXc`ÔZXk`fej% Do you get a sense that he cares and that your children’s health is important to him?

Does he have the ability to take care of any situation Does he stitch? Will he take blood tests? Can he put up a drip?

What’s the age limit to see a pediatrician?

I usually see children until the age of 18 years. Some people continue with me into their twenties. Some of my best experiences have been when my ex-patients come back in with their own children! I even have a couple of families where both parents were my patients. One father came in with the happy news: “Dr Singer, you are going to be a Grand doctor!”

Tell us about Singer Cellars and the Berry Ridge Winery.

I loved making wine and the hobby grew into a business. After expanding and building a small, but well-equipped winery, I quite suddenly understood a truth about life: Making a good wine was easy.

DXib\k`e^ k_Xk n`e\ nXj m\ip [`]ÔZlck Xe[ m\ip k`d\ consuming. I was faced with a choice: develop the winery or be a good doctor. There was not enough time to do both.

My life has been dedicated to the care of children and being the best doctor I could possibly be. So I closed the winery. My last vintage was 2007. I have no regrets.

Where do you see patients?

I work out of the Meuhedet clinic on Rehov HaRakefet in Givat Sharett.

I can be reached at my clinic at 02-990-6541 or by e-mail: raphysinger@gmail.com

ČĕĤč ĤČĥĕĐĘđ ČĕĤč ĦđĕĐĘ

Religious and secular, Ashkenazi and Sephardi,

our differences are only external

O

ver 2,000 missiles have been directed at Israel over the past few weeks, and thousands of people in the South are living in bomb shelters. They can’t get out to the supermarket for fear of missile attacks, and most stores are closed.

In response to the cry of thousands of beleaguered families, Yad Ezra V’Shulamit, a Jerusalem-based humanitarian organization that distributes food to 10,000 needy people every month, has sent 20 trucks with 100 tons of food and supplies to cities in Southern Israel.

“Parents call us crying on the phone,” says Aryeh Lurie, founder of Yad Ezra V’Shulamit. “There’s no food, no diapers... Children are also suffering from the fear and trauma of hearing sirens day and night. Someone has to brave the missiles and get these families food.”

The Blessing of the Bombs The true unity of the Jewish People is most apparent during a war. Two weeks ago in Jerusalem, children and families were out for a Shabbat-afternoon stroll when a siren wailed, signaling an incoming missile.

“Come inside,” a neighbor called to a group of children on the street. A teenage girl who was also nearby helped guide the youngsters into the house. Within seconds, every man, woman and child was off the street and safely tucked away indoors.

To be Jewish in Jerusalem during wartime is to experience the real strength and beauty of the Jewish people. Religious and secular, Ashkenazi and Sephardi, our differences are only external.

The blaring sirens have uncovered the deep, often hidden love we have for each other, for no other reason than we are all Jewish. We are not alone. God is protecting us, and the unity that surfaces in times of crisis binds us together into the family we really are.

Over 2,000 Miracles Jews living in Israel are witness to the daily miracles that have occurred since the start of Operation Protective Edge. How else can we explain the launch of over 2,000 missiles directed at our cities, with hardly any casualties?

When the head of Hamas was asked why so many missiles continue to miss their targets, he responded, “We pinpoint where every missile is sent. The God of the Jews is redirecting the missiles.”

From the mouth of our enemy, the truth comes out! God is obviously protecting us every second. There are as many miracles as there are bombs.

While God is protecting us from above, it is the responsibility of every Jew to protect those on the ground. “I call on every single Jewish person to join with us,” says Aryeh Lurie. “Stand by Israel in our time of need and help us deliver food to our brothers and sisters who are under attack.”  62

•

AUGUST 2014

Yad Ezra V’Shulamit Sends 100 Tons of Food to Beleaguered Southern Israel For more information, go to www.yadezra.net or call 02 664 5152.

Israel – Headquarters Yad Ezra V’Shulamit PO Box 5885 Jerusalem, Israel Amuta #: 58-031-364-1 USA American Friends of Yad Ezra V’Shulamit 3470 Wilshire Blvd, Ste. 1020 Los Angeles, CA 90010, USA USA 501c3 Tax Deductible #: 46-0477228

Bizness Magazine

02 999 3939

Breaking the Language Barrier

Marvelous Workshops

Networking & services uniquely tailored for you

Bigger and Better

IT’S COMING!

The Annual Event for the Anglo Community in Israel Thursday, August 14, 2014 All you wanted to know, but didn’t know who to ask – look no further!

Banking, health insurance, real estate, higher education, municipalities and so much more Free screening of two renowned musical dramas in aid of the organization Zir Chemed * Limited entrance * Women only * required at The Event website Advanced registration

Take a trip to the Far East at our Sushi Workshop

How to Crack the Israeli Job Market.

Leap HR presents a not-to-be-missed employment workshop

Panel Discussion: You’ve made Aliyah, What’s Next

Spectacular kids zone,

including arts and crafts, trampolines, performances and more Renowned food journalist and cookbook author Phyllis Glazer one-stop health spot

Binyanei HaUma, Jerusalem 11:00-20:00, FREE ENTRANCE! Visit us on Facebook

Register today at: www.theevent.org.il

&Žƌ ĨƵƌƚŚĞƌ ŝŶĨŽƌŵĂƟŽŶ͗ ϬϮͲϲϮϱϮϵϯϯ Žƌ ĞŵĂŝů͗ ƐĂůĞƐΛŝŵƉŵĞĚŝĂ͘ĐŽ͘ŝů

1

2

Life Coach

Real Estate Law

Helen Abelesz Background: Helen is a life coach who specializes in working with women who are feeling overwhelmed, lack selfconfidence, dealing with stress or not achieving their potential.

Helen will help you pinpoint your insecurities, set goals for you to achieve and empower you to take control of your life.

She works in both Hebrew and English. Call her today. 02 992 0263, 054 482 9815.

DAVID DRUTMAN Background: David Drutman has been a lawyer for 36 years, including the last 13 years in Israel. He has sound experience in a broad spectrum of work in both professional and commercial environments. He is widely respected for creative, goal orientated legal work.

He specializes in transactions (property, estates, contracts, commercial matters etc), family law and notarial work. He can be contactedbecause at 02-995-1877 or drutlaw@gmail.com

5

3 Technical Services TZVI LEFKOWITZ Background: Handyman Tzvi has many years of experience in general contracting and home renovations. He made aliya from New York where he built multi-unit projects and custom homes. Air conditioning happens to be one of his passions. Tzvi is a licensed Electra technician who provides care and maintenance service as well as sales for all major brands. He can be contacted at 054-498-5298, www.HandymanTzvi.com

you never know INSURING YOUR: Home | Health | Life | Auto | Business | Travel

6

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

4 Orthodontics Dr. Eli Gherman Dr. Edo Lavi Background: Both Drs Gherman and Lavi are American trained orthodontists, and are active members in the American Association of Orthodontists. Dr Gherman attended NYU Dental on full scholarship, and Montefiore Medical Center for his orthodontic residency. Dr Lavi graduated from UMDNJ, was chief resident of general dentistry and received his orthodontic degree from NYU College of Dentistry. Dr Ghermanâ&#x20AC;&#x2122;s clinic is in Rechavia, 02561-9770 Dr. Laviâ&#x20AC;&#x2122;s clinic is in RBShemesh, 02992- 3363

7

8

Weight Loss

Mortgage

Insurance

Real Estate

Dr. Boâ&#x20AC;&#x2122;s Team Background: Dr. Bo Rosenblat is a nationally recognized, boardcertified physician with more than 15 years of experience.

Together with his team of Nutritionists, Dietitians, and Counselors, Dr. Bo is constantly researching the latest scientific advancements for obesityrelated disease and weight management. Contact info: 077-228-5877, details@drbosdiet.com, www.drbosdiet.com

Moshe Wilshinsky Background: A 27-year veteran in the mortgage industry, Moshe is the CEO of Moville Mortgage and Finance LTD. To contact Moshe, call their main line at 073 796 2226 and press their special 711 Bizness extension. For US callers dial 201 377 3418 and UK 208 596 4501. Email him at questions@ movillefinance.com or visit their website at www.movillefinance.com

Egert-Cohen Insurance Background: Egert-Cohen is a Jerusalem-based brokerage that specializes in helping Englishspeaking Olim with personal family insurance solutions.

They are also experts in travel insurance and incoming tourism.

Contact Shimon Cohen at 050-5482192 or Yona Egert at 050-5363897 or visit their website at www.egertcohen.co.il

YOSSI LIPSH Background: Yossi Lipsh is one of the most experienced realtors in Bet Shemesh. He is the founder of Yossi Lipsh Realty. They specialize in buying, selling and managing properties in Ramat Bet Shemesh.

Their office is located on Nachal Dolev 38, RBS A. Contact information: 02-999-4466; 052-396-0551. E-mail: info@ yossilipshrealty.com Website: www.rbs-realty.com Facebook: RBS-Realty

9

10

Car Mechanics

Business Growth

Ariel Levy Background: With over 15 years of experience, Ariel is the head mechanic of AutoKING, a full service car garage in the Industrial area in Bet Shemesh. They service all makes and models and specialize in French and Japanese cars. The garage is across the parking of the Big Fashion Mall in Bet Shemesh. Call 02 626 1613 or 054 205 0389 for any consultations.

Ariel Topf Company: Bizness Magazine

64

â&#x20AC;˘

AUGUST 2014

Background: Ariel has built several companies in 3 continents in the fields of Internet, High-Tech, Retail, Franchising, Food Manufacturing, Clothing Manufacturing, Direct Sales, Wholesale, Personal Development, Restaurant, Advertising and Publishing. In this process Ariel has headhunted, hired, trained, managed and/or mentored over 20,000 individuals. He can be contacted at ariel@biznessmag. com

Bizness Magazine

10

Ask Any Questions

Experts You Can Call

02 999 3939

Song: ¤¦¨ Am

G

Am

Am G

.

ĜĠģ ĪĩĤĬ ĪĩĤĬ

ĜĠģ ħġĩ ħġĩĠ Am G

.

ħěijĴĤ ħĦħĠ Ġīħ ěğĤ Am

//// Am //// G //// Am /// / G Am

For guitar lessons call 052 271 2252

/ Am / Am / Am / Am

/ // G Am / // G Am / // G Am / / G Am

G

Am

Īĩě

Am

ħěijĴĤ ĥħĩ ,ĥħĩ ĞĠĞ

G

ħěijĴĤ ĥħĩ ,ĥħĩ ĞĠĞ

Am

ħěijĴĤ ĥħĩ ,ĥħĩ ĞĠĞ Am

G

ĨĤIJĠ ĤĢ ĤĢ ĤĢ

!

"

"

New New New New New New New New

German Colony Branch Now Under

‫הרבנות ירושלים‬ ‫מהדרין‬ 46 Emek Refaaim St.

02-5671313

² À°

»¯Çȸ° ǯ´Ã½³ ¼¸Á´Ç¸¯³ ¾ºÈ½

ğīĠī ĠĤĞĠģĬ

ȢȜȫȜȩ ȟȘȩȠȤȦȥ

ȮȮȮ ȢȜȫȜȩ ȟȘȩȠȤȦȥ ȚȦ Ƞȣ