Bizness Magazine February 2015 issuu

24

AG Wigs Helen Abelesz Meir Amber Shimon Cohen Nachum Eilberg Rachel Factor Minda Garr Yossi Golano ON Netanel Grossman Richard Gussow Hatzala Beit Shemesh Tzvi Lefkowitz Nicole Levin Yossi Lipsh David Litke Moshe Orman Yaakov Prince Rechavia Dental Center Restorno Dr. Bo Rosenblat Moshe Wilshinsky Karen Wolfers-Rapaport Sima Wolpin Daniel Zahavi-Asa

EXPERTS YOU CAN COUNT

M A G A Z I N E SHARING THE MIRACLE OF SUCCESS Greater Jerusalem Area www.biznessmagazine.com Circulation: 21,000 copies FEBRUARY 2015

Restorno How to lose that “Sinking Feeling” Egert Cohen Need insurance for your kids’ shidduch?

Helen Abelesz Dreading preparing for Pesach?

Richard Gussow The agony and ecstasy of financial planning Nachum Eilberg Making your walls look like marble Hatzala First response and ambulance transportation

New! American Bagels at

Moshe Orman Buying a room filled with silver & gold Nail Studio School Empowering women to support themselves Rachel Factor “It is simply our thoughts aggravating us” Yossi Lipsh Owning a home from dream to reality

CIRCULATION NOW

Exclusive interview with

Gary Shickman, CEO

21,000COPIES!!!

Bizness Magazine is now online WWW.BIZNESSMAGAZINE.COM

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contents F E B R U A RY 2 0 1 5

MAIN FEATURE

26 The Scoop Icecream and more..

Interview with Gary Schickman, CEO

EXPERTS 05 Egert & Cohen – Purim Insurance (with a smile!)

07 Too Many Office Buildings 08 The Art of Installation 09 “In under 90 seconds, help is pulling up at your door!”

16 The Agony and the Ecstasy 18 Backup. Oh Yeah?

24 Should You Use a Professional to File Your Income Tax Return?

28 Four Ways to Reduce Stress in Your Life 30 Digging for Gold. How we make the perfect wigs 34 Narrative Therapy 101 36 From Dream to Reality 40 Building Your Dream Home 44 “We can paint walls to look like marble, suede, leather, etc.”

46 How to Choose a Therapist Suitable for You 48 Enjoying a Stress-Free Pesach 4

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FEBRUARY 2015

Editor in Chief Ariel Topf Business Development Yisroel Meir Simon Chief Designer Adam Ram Editorial Manager Aviva Sapir Contributing Editors Roberta Bienenfeld, Sivia Sekula Contributing Writers Helen Abelesz, Shimon Cohen, Nachum Eilberg, Rachel Factor, Minda Garr, Yossi Golano, Netanel Grossman, Richard Gussow, Nati Journo, Nicole Levin, Yossi Lipsh, David Litke, Yaakov Prince, David Schlussel, Ruthie Weinberg, Dave Wolf, Karen Wolfers-Rapaport, Sima Wolpin, AG Wigs, Daniel Zahavi-Asa Advertising Chaya Hyams Graphic Artists Aliza Sokol

02-999-3939

12 Are You Accountable Financially to Your Spouse?

14 What is Construction Management?

SHARING THE MIRACLE OF SUCCESS

How to reach Bizness Magazine Advertising

10 LANAP® Laser Gum Treatment

13 “My Dream is to Buy a Room Filled with Antique Silver and Gold”

M A G A Z I N E

38 FEATURES 11 Benny’s Decision 20 Restorno Restoring your Furniture 22 Tax Benefits for New Immigrants and Returning Residents 32 What happens when you get to the point of : “It’s my way or the highway”?

38 Interview with Becky Levine of Nail Queen Express & Nail Studio Beauty School 42 Meuhedet’s Professionals Series: 45 How to Choose the Right Dryer

In every issue 06 Letter from the Editor 49 24 Experts you can call

Bizness Magazine

Send your ads to Letter to the Editor Ask our Experts Request for Interview General Inquiries ADVERTISING

ads@biznessmag.com editor@biznessmag.com experts@biznessmag.com interview@biznessmag.com info@biznessmag.com

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Bizness Magazine is published by Bizness Magazine Ltd. Bizness Magazine considers its sources reliable. However, reporting inaccuracies can occur, consequently readers using this information do so at their own risk. Each business opportunity and/or investment inherently contains certain risks.

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

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

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In

Expert

INSURANCE

Egert & Cohen – Purim Insurance (with a smile!)

By Shimon Cohen A wise man said: Needing insurance is like needing a parachute. If it isn’t there the first time, chances are you won’t be needing it again!

Don’t you wish you could insure: `` for all the times you lose control and shout at your spouse? `` for babies waking at 4:00 every morning? `` for marrying off your kids after the first (or second) shidduch? `` against waking up grumpy and depressed? `` against the minus in your bank account?

Some things are uninsurable-but do you know the answers to the following?

If my usually gentle dog bites our guest, is this covered?

In a standard home policy, damage caused by pets is covered unless the dog is regarded as a dangerous breed (e.g., Rottweiler, Doberman, Pit-bull, etc. Those breeds must be specifically approved by the insurance company).

Our home was badly damaged in a fire and we have to move out while repairs are being made. Does our policy cover this?

Yes. The standard home structure policy covers up to six months rental on a similar home or up to ten percent of the total structure insurance, the lower of the two.

I’m pregnant and traveling overseas. What’s the absolute latest date I can still be covered for pregnancy emergencies?

You must be back home by the end of the eighth month. There is no cover for twins! In a standard policy there is cover for the initial consultation and also for an ectopic pregnancy for up to $10,000.

I was filling up with gas. By mistake, I left the keys in the ignition while buying something at the gas station shop. To my dismay, a thief jumped in and drove my car away! Is this covered?

Firstly, don’t try this! However, when such a case does occur, Israeli courts have ruled that if there is “kesher ayin” (constant eye contact with the car), then the theft is indeed covered.

Can you insure: Loose diamonds / jewelry that is overseas / a tree falling on a car / a loss of profit in business / kids breaking an expensive vase while you are at a hotel / cash at home / taking a Sefer Torah overseas?

Call us! We have the answers! 

Egert & Cohen - We’re here when you need us!

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

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Letter from the Editor

Dear Readers, At BiznessPro, our consulting division for small businesses, we meet with clients with some fantastic ideas that die before they see the light of day. One of the real secrets of success is to apply what is often referred to as “all out massive action.”

There are many reasons why an “all out massive action” is an extremely important factor to success. Here are a few of them: 1. The more you delay getting started, chances are you will never start. Your initial enthusiasm starts dissipating as days go by. Normal life events come to attack you daily, distracting you from your great business idea. While you didn’t give up on your idea, time went by and you never got started.

2. The more you delay the profitability analysis to discover how profitable the business could be, the more vulnerable you are to stop working on the project. Once you know how profitable it can be, you will have way more enthusiasm to continue putting all of the pieces together.

3. One of the main reasons people fail to start their own businesses is the negativity from the people surrounding them. This negativity may come from a spouse, relative or friend who, all of a sudden, is an expert in your business field, giving you free advice on why the business has no chance to make it. Some of these well-meaning people want to protect you from a potential loss. Others cannot fathom the idea that you will be successful and they will be watching from the sidelines.

Gathering all the data you need and launching your business as quickly as possible will give you the much-needed vaccination against such negativity. “All out massive action” will protect you from people trying to steal your dream.

4. Enthusiasm cannot be faked. If your plan is to get third party financing for your business, your potential investors will be betting on you more than on your business idea. No investor will bet on someone who is not passionate and exhilarated about his idea. You cannot go to an investor and say that you are so excited about your idea and are crazy about launching it if you have been working on it at a slow pace for a couple of years. They want to see that your idea is almost as important to you as life. You are sold on it. You have everything you need to launch it and you just need to decide who is coming along for the ride with you.

5. The faster you launch your business, the faster you will see profits and you will have set the pace of the business for years to come. This “all out massive action” way of conducting your business will keep you profitable and ahead of your competitors.

“All out massive action” should never be confused with being reckless and irresponsible in your preparation or execution. It means to operate in a highly condensed time frame.

I have been teaching this concept to entrepreneurs for the last 25 years. There is nothing as exciting as launching a new business effectively and quickly. One of the main goals of Bizness Magazine is to provide information, transfer knowledge and to inspire small business owners and hopeful entrepreneurs to effectively launch and grow their businesses to their full potential. Fast.

Happy Purim!

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

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Bizness Magazine

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Expert

RE

REA L ES TATE LAW

Too Many Office Buildings

By Nicole Levin

T

he market has been flooded with new office buildings in the Tel Aviv and outlying areas. Many new buildings are under construction and many new ones have just come on the market. Many companies and businesses have discovered the tax advantage of buying their own offices. They can get a large mortgage for this instead of pouring money into rent. And, at the end of the day, the property is theirs. The willingness of the public to buy has brought up the prices of these properties. The glut of office space available for rent has brought down the rent prices on these properties.

This makes investing in commercial real estate in Tel Aviv and cities close to it like Herzilya, Ramat Gan, Bnei Brak, Petach Tikvah and Rechovot less attractive than it once was.

However, this is not the case in what they call in Israel “the periphery”. This means going a little further to places like Modiin and Bet Shemesh. These cities, which boast populations of between 80,000 to 90,000 people, are considered bedroom communities where most people commute to work in one of the larger cites like Tel Aviv or Jerusalem. However, this is a misconception that is detrimental to the development of those cities. True, many do commute to work from these cities but many small businesses exist in these cities as well. These small businesses have little or no place to run their businesses, forcing many to work from their homes, in storage units or small stores.

In Modiin, options for office space in the center of the city are almost non-existent. There is one center with proper office buildings. That is in the shopping mall built by Azrielli in the center of the city and adjacent to the train station. Besides this option, there are small strip malls around the city where a business may rent a store and turn it into an office.

There is an industrial center at the outskirts of Modiin with offices that are rented by many hi-tech companies. But this area cannot be reached by public transportation. As a result, the rent that small businesses are forced to pay to Azrielli for the offices in his complex are very high. Should more office buildings be constructed in the center of the city, the cost of purchasing an office will probably be very high and the rent will also be high.

In Bet Shemesh, there is a similar situation. In Ramat Bet Shemesh, it is not uncommon to see businesses conducted

from parking spaces that have been closed up and fitted out as offices and stores. There is one proper office building that is owned by BIG located near the train station and another in Ramat Bet Shemesh. The rent in these buildings is high since they are the only office buildings in the city. As a result, small businesses are forced to improvise in the manner described above. BIG’s office building in Bet Shemesh never managed to rent out all its office space and since 2006, hundreds of square meters of office space in this building sit empty. Despite this fact, rent in this building has not come down.

Both the municipalities of Modiin and Bet Shemesh do nothing to solve this problem. This forces small business owners to resort to illegal methods of office space or moving their businesses out of their city. However, this makes investment in office buildings that may eventually get built in these cities and cities similar to them a possible worthwhile investment.  02-991-5687 www.levinlawoffices.co.il www.BIZNESSMAGAZINE.com

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Expert

CR C R A FTI N G

The Art of Installation

By Yossi Golano

M

any of my clients choose to buy “free standing” cabinets and furniture that are easy to take when moving. However, when buying a home, many customers choose to permanently install customized pieces that can be fitted into specific spaces. You may do this to maximize the use of the space and add beauty and value to your home – especially if deciding to sell it in the future. Many businesses choose to install customized items because it gives the subtle impression that a business is settled – in other words stable, secure and not going anywhere. This can give your customers a sense of trust, confidence and security which is always good for business and increased sales. I have custom built and installed countless items for businesses that have reported increased customer confidence and sales after the office, storefront or restaurant has been designed, built and installed.

It is very important to know that “installing” cabinets is not simply bolting them to the wall. It is a separate art in and of itself.

A good cabinet maker is not necessarily a good installer. Many times great challenges arise when installing cabinets in Israel.

Giving your new piece that “built-in” look is not as easy as it looks. An installer can be faced with walls, ceilings and floors that are drastically misaligned, unleveled or not straight. A good installer can overcome most of these challenges with a few tricks of the trade. I learned most of these tricks when I went through my apprenticeship with many great craftsmen. I also developed some tricks of my own over the last thirty years of building and installing high-end cabinets and furniture.

Many people underestimate how a beautifully designed cabinet can lose its value through poor installation. Your newly built piece should look as if the walls and ceilings were put in after the cabinet was set in place, fitting snuggly in to all the surfaces it comes in contact with. If it doesn’t, you know that the installer lacked installation skills. Just take a look around at your existing kitchen, bathroom, bookcases and clothing closet. Are there spaces between the cabinets and the walls? Are they filled with unsightly chalk or covered with moldings that seem out of place? Is there un8

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used space? Would you have hoped that the cabinets went all the way to the ceiling and walls instead of leaving large wasted spaces? Many cabinet makers will refuse to run cabinets all the way to the ceiling and walls because of the imperfections that they will encounter.

Quality installation is one way to define a “custom” built piece. This contrasts with the store-bought mass-produced look most are accustomed to. Many people think that if they have choices in cabinet sizes they are buying something that is “custom built,” but this is just a small part of it.

Overcoming installation challenges begins in the design process. I go to great lengths on a new job site to measure, assess and locate where the problem areas might be and then design and build a piece that will anticipate and overcome these challenges when installed. All the cabinets can then be fitted to the walls and ceiling to give your newly-built cabinets a “finished” look that enhances the design.

This process is called “scribing” and entails shaping the outer edges of the cabinet to the contours and imperfections of the walls and ceiling. One of the most difficult installations is when cabinets or counters are to be placed between two sidewalls such as a nook that many homes have. Getting a clean fit is very difficult and separates the great installers from the poor ones.

One of the reasons customers choose Golano Design is because we go to great lengths to maximize your space and are willing to face these challenges head on. Fitting cabinets to walls and ceilings is not an easy task and sometimes prolongs the installation.

Sometimes, when installing, additional steps are needed to overcome unforeseen challenges which may also add to the length of the installation process. The customer needs to be aware of this and be rest assured that the finished product will be well worth the wait.

If you want to add value to a new purchase, increase the value of your home or increase sales in your business, choose to have your cabinets and furniture custom-made and installed by a qualified installer who employs the art of installation. 

Bizness Magazine

052-704-2800 yossidesigns@gmail.com yossidesigns.blogspot.co.il

02 999 3939

Expert Welcome Hatzala Beit Shemesh to our team of experts!

FR

FIRST RESPONSE

“In under 90 seconds, help is pulling up at your door!”

Interview with Benzi Novack and Moshe Braun of Hatzala Beit Shemesh

What is Hatzala Beit Shemesh’s role in the Bet Shemesh community?

When there is a medical emergency, we provide rapid first response and free emergency transport to a medical facility.

Benzi, why did you start Hatzala Beit Shemesh?

When I started Hatzala Beit Shemesh ten years ago, I wanted to create an organization which would provide a service to people during their time of need from beginning to end. After working with other emergency response organizations, I realized that something was missing. I wanted people to call Hatzala even though they could not afford to pay for the necessary care. I felt that the other services were not as sensitive to the personal needs and care of the patients as they could be. We went on to create a system which was unique and different. Hatzala Bet Shemesh is the only private ambulance service in Israel which provides both first response and ambulance transportation service. And finally, I felt that by providing local people as first responders and ambulance crews, who understand the social needs of the community, would enhance care and decrease patient discomfort.

Moshe, how is Hatzala Beit Shemesh different today than from when it was started.

Hatzala Beit Shemesh has grown by leaps and bounds. Not too long ago we used phone calls combined with a rudimentary dispatching system. We had no office and we had no place for training.

Today, Hatzala is a vibrant and growing organization. We have new offices in RBS A. We have many volunteers with more on the way.

We offer many different classes. We have a new radio system that enables us to get help to you even faster. We have eight dispatchers trained in first aid and CPR to ensure that we can provide instructions over the phone if necessary. We have added administrative staff to handle our very intricate administrative needs. In short, we are constantly making exciting and important changes to our operation so that we can better serve the community.

Moshe, it seems that Hatzala could bring in funds by charging for its services. Why doesn’t it?

We understand that living in Israel, while it’s an amazing experience, also comes with lots of financial worry and anxiety. Why should people be subjected to additional anxiety during their greatest time of need? Our policy of not charging also helps us. Our patients are more relaxed and we are better able to do our jobs and treat them until their arrival at an appropriate medical facility.

Benzi, what types of emergencies do you respond to?

We respond to all types of emergencies as part of an emergency medical response system such as pending births, trauma

incidents, traffic accidents, missing persons and many other types of emergencies. Recently, we had a kid whose finger was stuck in a bathtub drain cover!

Moshe, can you tell us what happens when someone calls the Hatzala hotline?

We have a very simple dispatching protocol. When you call our hotline you reach our well-trained dispatcher. Caring, yet efficient, he or she will ask you for basic information such as your location and phone number. Sometimes, the dispatcher will ask you to stay on the line while dispatching the call to ensure the situation doesn’t change or to provide additional instructions. It is at this point that the dispatcher will send you help. Using a state of the art radio system, the dispatcher instructs units to where they need to go and for what.

In under 90 seconds, help is pulling up at your door!

Benzi, can you tell us about your volunteers?

I am very proud of each of our responders. Do you know what a responder receives when he goes on a call? The privilege of having helped or saved someone. Do you know what he loses? Sleep.

Shabbos seudah time. Learning time. Time with the kids. Time from work or studies. Our volunteers are just “good guys” from the community – shiputzniks, salesmen, Rebbeim, tour guides and store owners. They have spent many hours taking classes, refresher courses and in-service training.

Moshe, how does your organization cover expenses and costs?

We are somehow always able to cover our costs and expenses thanks to miracles -- our esteemed donors. They are the driving force behind Hatzala Beit Shemesh. All of our income comes from donations from the residents of Bet Shemesh. To donate to Hatzala Beit Shemesh call our administrative line at 02-991-2345 or send an email to donate@hatzbs.org and someone will get back to you.

For a medical emergency or pending birth, our dispatcher can be reached at 02-999-9992  Office: 02-991-2345 Emergency line: 02-999-9992 hatzalabeitshemesh.org www.BIZNESSMAGAZINE.com

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Expert

DC

DENTAL CENTER

LANAP® Laser Gum Treatment

By Dr. David Schlussel, DDS

L

aser Gum Treatment is an innovative approach to treat periodontal disease without the need for surgery. Many patients who suffer from periodontal diseases like severe gingivitis or periodontitis avoid treating their inflamed and bleeding gums for fear of undergoing traditional “ cut and sew” surgery.

However, neglecting to treat periodontal diseases may result in extensive damage to gum, teeth and bone, and may even cause the loss of teeth. With LANAP® Laser Gum Treatment, no scalpels or stitches are involved. Instead, harmful bacteria and diseased tissue are removed using light energy from a laser beam.

LANAP® versus surgery

A Belgian study found that LANAP® is more effective in killing bacteria than conventional surgery. Treatment is faster and much less painful than other methods, and the procedure itself may take just a few minutes. The exact length of treatment depends on the severity of the disease and how many teeth are affected, but some treatments may even be completed in one visit. Recovery, too, is quicker. Since there are no stitches involved, no pain killers need to be taken after the procedure which means that the patient can go straight back to work. Traditional surgery is likely to remove healthy tissue along with diseased tissue which can cause sensitive teeth. LANAP®, on the other hand, only surgically targets and removes diseased tissue which also helps protect against any future tooth decay.

Although currently only a very small percentage of dentists are trained to use laser to treat periodontal disease, more and more periodontists who have been practicing in the field for decades are making the switch from traditional surgery to Laser Gum Treatment.

Who is a candidate for LANAP®?

Anyone who is suffering from severe gingivitis or periodontitis is a candidate for Laser Gum Treatment. Such patients will usually have red, swollen and tender gums that bleed during brushing or flossing.

Patients may have also been told by their dentist that they have gum 10

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FEBRUARY 2015

pockets of 4mm or more. Deeper gum pockets mean more loss of bone support to the teeth which causes tooth decay. LANAP® is a breakthrough for restoring otherwise hopeless teeth.

LANAP®in action When a patient’s gum pockets have been examined for excessive depth, an ultrasonic instrument is used to remove tartar from the root surface of the tooth. This is known as scaling, and professionals agree that this is the most important step in the treatment of periodontal disease. Then light energy from a laser is used to gently remove diseased tissue. This reduces the harmful bacteria associated with gum disease, which allows the body to heal the area naturally. The procedure itself is virtually painless, although local anesthetic may be administered for the patient’s comfort.

Introducing the PerioLase® LANAP® Laser Gum Treatment uses the PerioLase®, the only FDA-approved laser designed to treat periodontal disease. The PerioLase® works by allowing dentists to vaporize bacteria and inflamed diseased tissue in the gum pocket. Once the bacteria is removed, the gum pocket can reattach to the tooth root. The PerioLase® predictably provides superior clinical results each time, with patients coming back for post-ops with smiling faces. For patients who are afraid of conventional treatment in which the gum is cut away, the PerioLase® is nothing short of a modern-day miracle.

Cost of LANAP® Laser Gum Treatment LANAP® is generally no more expensive than traditional gum surgery, although the cost will depend on various factors, such as the severity of the disease and the extent of treatment required.

Advantages of LANAP® Laser Gum Treatment: • No scalpels or stitches • More effective in killing bacteria than other methods • Less bleeding, less tissue removed, less pain • Quicker recovery and no need for narcotics – you can go straight back to work • Easily restore otherwise hopeless teeth Rechavia Dental Center is the only dental practice licensed to perform the LANAP treatment in Israel today. 

Bizness Magazine

02-561-9770, 02-561-9780 www.rechaviadental.co.il

02 999 3939

Benny’s Decision

B

enny is just 15. He was first diagnosed with cancer three years ago. Now, as of December, he has relapsed for the third time.

This time, the doctors say, there is nothing more that they can do for Benny.

This 15-year old boy who had cancer went into remission twice. Now, he says, he is facing an overwhelming challenge.

He has to decide how he is going to live his life.

When he heard, back in December, that there was nothing in the medical world to cure him or even help him fight the cancer, he was totally devastated. He realized that at his young age, he was facing death. He didn’t know what to do, where to go or what to think. He was in a very deep black hole.

When Chaiyanu offered to take him on its Winter Retreat, his initial response was “not interested!” After a few conversations with the volunteers, Benny said, “I have made my decision to live.

I don’t know for how long but I made a decision to live! Therefore, please allow me to come on the Winter Retreat up north.”

Along with 34 other children, aged five through eighteen, Benny joined the Winter Retreat. He had an amazing time. He drove his own ATV, skied on Mt. Hermon, flew on the snow-

mobiles and sang and danced. Benny said, “I’m alive and I need to live to the fullest. Coming on this Winter Retreat was proof to me that even though, according to the medical world, I am dying, I am making sure to live.”

“I’m not religious or anything,” Benny said, “but I started praying to Hashem and on the Winter Retreat I prayed with everyone. I even made some brachas and I definitely feel more connected.”

Benny said, “Thank you Chaiyanu for giving me this opportunity to live!”

We all wish Benny a complete and speedy recovery. Yehushuas Hashem K’heref Ein 

Expert

BC

B UDG ET C O U N S ELI N G

By David Litke

W

Are You Accountable Financially to Your Spouse?

hen you were dating and discovered that his parents were frugal and yours were free-spenders, you both thought it was cute and many a laugh was shared. But since much of what we learn and feel about money is acquired from our parents, the laughs likely did not last for more than a few months, as you also began to discover how serious a deal money management really is, and how sharp was the gap between your differing ideas about money.

The sad fact of life here and in other Western countries is that more than half of all divorces are caused by conflicts about money. Amidst all of the excitement and newness during the stages of courtship, engagement and wedding, who wants to get bogged down in the murk of figuring out how their financial philosophies (if they even exist) can be reconciled? Two of my favorite myths are “love conquers all” and “we’ll live on love”. Life in this 21st century is just not that simple. For a marriage to work and for financial peace to reign, a couple must find a way to talk to each other regularly about these matters and come to agreements on budgetary priorities. The work of planning and reviewing our income and expenses on a regular basis (weekly and monthly) is a lifelong responsibility of both spouses. When one is over-dominant to the point of making all of the decisions, often the other is frustrated and angry. Conversely, when one spouse does not want anything to do with the family finances (except to spend and spend), the management burden falls to the other spouse and can lead to anger and frustration of a different kind.

Here are three simplified steps for beginning to communicate on the matter of household finances (there is much more to this, but this represents a good start): 1. One spouse, the one more inclined and comfortable with the process, prepares next month’s budget (after a reliable joint review of expenses of the previous three months).

2. The proposed budget is then reviewed by the other spouse. No shirking of this responsibility is allowed. You both must be involved!

3. Taking into consideration differences in personal natures and priorities, each spouse gives and takes on particular budget items, until a compromise is reached. The free-spender must allow the tightwad a measure of control and frugality, and the tightwad must allow the free-spender some leeway. Neither spouse will have all wishes fulfilled, but neither will be shut out. The skills of give and take in a marriage which are found in so many other aspects of life are no less important in our money management.

In this way you are both accountable to each other in the implementation of the budget you have built together.

And what if you are not married? Singles, divorcees and widow/ers have the same obligation to handle their money responsibly.

They, too, can benefit from having a trusted companion with whom they can advise and consult on financial matters.

An accountability partner will be a close friend, a sibling or other family member you are confident is looking out for your best interest, both in month-to-month management, and at the macro level of medium and long term financial planning and investment. It can be very daunting and challenging to have to make all of your financial decisions alone. You have to be willing to share the details of your income, expenses and goals with this partner so they can get a clear picture of what you want to accomplish financially and help you come to wise decisions.

To summarize, the natural partner for married couples is the spouse. Success in a marriage includes the ability to communicate and to reach agreements and compromises on money matters. An analysis of the most stable marriages will reveal couples whose communication skills are well-honed, whether in the area of finances, raising children or core beliefs. For the single person, a financial accountability partner is just as important. The fact that one is in a position of making all decisions alone should dictate the need to find a confidante who can be trusted and who will offer complementary and counterbalancing counsel on financial matters. This has equal validity for all categories of singles – the elderly, widows and widowers, divorcees and twenty-something youngsters just heading out into life’s challenges. We can all benefit from another mind and experience set when examining and planning our financial future.  Subscribe to our free email tips: www.budgetrelief.co.il 050-535-1800 david@budgetsuccess.co.il www.budgetsuccess.co.il

Welcome Moshe Orman to our team of experts!

“My Dream is to Buy a Room Filled with Antique Silver and Gold” Interview with Moshe Orman Moshe buys and sells items of value. That includes gold and silver items (even if damaged or broken), watches, antiques, interesting coins, bronzes and pretty much anything he finds interesting. He has bought 100-year-old Rosh Hashanah post cards, collectable pocketknives and oil paintings.

How did you get involved in the buy and sell business?

It was completely by chance. We had some silver kiddush cups, candlesticks and bowls lying around my parents’ home. They were all tarnished and simply not pleasing to the eye. I asked my dad if we could go to the Agripas fair and sell it. We rented a table for the day.

Everything sold. The next week I bought some silver from someone and did the same thing. That’s how I got into it.

What are the most common types of items that people sell and why do they sell them?

Most people have old gold items lying around. Everyone has old tarnished silver. In Israel there is a lot of that Judaica stuff that comes up. You know, like bisamim (spice) towers, candle holders, kiddush cups, silver cutlery, and jewlery. These are items that people have lying around and they would rather have the cash for them instead.

How does the saying, “One man’s junk is another man’s treasure” apply to your business?

Well, on one hand, my business is just that personified but, on the other hand, it’s all just treasure. Often when I go to someone’s house to look at certain items, the person is astonished when he hears how much I can pay. He looks at the item as if it is nothing special. I look at it as a gold mine. I have an important rule in my business transactions. I never buy according to the knowledge of the seller.

I buy only according to my knowledge. Sometimes I can’t pay the price that the seller expects and sometimes I can pay much more.

One thing is certain, if he has a treasure, I look at it as just that and pay accordingly.

I just read about a man who bought a Declaration of Independence in a flee market and sold it for 2.5 million dollars.

What is your dream object?

I don’t have a dream object but I do have a dream buy. That would be a room filled with antique silver and gold collectables, all predating 100 years. It’s enough fun to find a few pieces here and a few pieces there but I would like to buy the lifetime collection of a big collector. That would be great.

What is the best thing about being a dealer?

The best thing about being a dealer is being able to meet all different types of interesting people. Interesting people collect interesting things. I would love to write a book one day on all of the interesting interactions that I have had.

How do you source your items?

I read a lot on what I deal in so I learn a lot that way. Also, a lot of items come up multiple times. At this point, I don’t see a new item every day. Things tend to repeat themselves with slight variations.

There are also architectural designs which are a sure clue as to the time period. Sometimes the seller remembers where the item came from. There are many ways to source an item but some items’ limited data will leave me only with a hypothesis.

Who is your typical client?

I have no typical client. Everyone is my potential client. I guess that’s partially an answer to your last question. It’s great being a dealer because my clientele has no bounds. Some people want to scrap some gold and others want to sell a coin collection. Either way, I’m interested.

What has been your best buy?

I don’t know my best buy but recently I bought a silver enameled spoon made by Ivan Klebnikov, a competitor of Carl Faberge. It’s a beautiful piece and was fun buying it.

Are you scared you may buy something no one wants?

It’s very unlikely. Anything I want, someone will be interested in at some point. I can’t possibly be the only person who appreciates the aesthetic or historical beauty of a specific item. There will always be another person who will join in my enthusiasm and be happy to buy it.

What has been your biggest mistake?

I have made plenty of mistakes such as getting too excited about something. Sometimes it’s easy to forget that you have to sell the item in the end! Buying is the easy part. I once bought a fake Omega watch. I was sure it was real. Imagine my disappointment when my watchmaker opened it up and showed me the fake movement made in China. That’s part of the business. Risk-free is success-free.

What’s your next goal?

I want to continue learning about pieces and be the most knowledgeable dealer in Israel.  NotJustAnyYear@yahoo.com Tel: 054-837-3874 www.BIZNESSMAGAZINE.com

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Expert

cm

CONSTRUCTION MANAGEMENT

What is Construction Management?

By Yaakov Prince

C

onstruction managers are a lot like mothers, really. They have to set schedules, keep an eye on finances, make sure everybody is where they are supposed to be every day (and doing what they are supposed to be doing), ensure that there are no safety hazards around and, in general, keep everyone happy.

Construction managers are hired to lead and oversee a variety of building projects from start to finish. The jobs can range from a small remodeling to the construction of a large commercial structure such as a school or a hospital.

Some people think that a construction manager and a building contractor are the same thing. These are actually two different jobs.

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Construction managers manage a project from the beginning. They manage costs, quality, selection of architects and general contractors, supply procurement, safety issues, personnel and more. Building contractors are involved only in the building process.

Prince Construction Management’s “Project Management” service includes: Project Management Planning: This initial stage involves laying out a plan for the entire project. This includes the various jobs that need to be done, the materials required and a timeline.

Cost Management: Construction managers must constantly keep tabs on costs so that the project does not overrun its budget. Adjustments need to be made if unexpected issues or complications arise.

Contract Administration: Lengthy contracts with clients are part of all construction projects. It is the construction man-

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ager’s job to ensure all of the contract provisions are met and all parties are satisfied.

Billing: • Checking bills handed over by contractors to clients. • Checking that bills match the measurements, the contract prices or the current market prices. • Preparing bills for contractors including measurements, documentation and submission. • Price surveying before the purchase of materials.

On-Site Construction Supervision Service: • Quality Management: Projects often involve numerous contractors and subcontractors. Construction managers must make sure that they are all doing a good job and not cutting corners.

(They are making sure that a client won’t have to rip up floors in order to fix plumbing issues, that the lighting won’t blow on a Friday night; that rain won’t pour down from the ceiling in the winter, that there is proper thermal insulation, etc.)

• Timetable Adherence: They make sure that a project runs on schedule, including all contractors, subcontractors, suppliers and consultants.

• Solutions: On-site supervisors also provide on-the-ground solutions for any problems that may arise during the course of the project.

• Updating the Client: This is in regard to the progress of the project and includes overseas clients as well.

• Safety Management: Construction sites are filled with potential safety hazards. Construction managers must be aware of these and guard against them.

• Managing Site Security: Making sure materials don’t get sto-

len, that live-in residents don’t have problems with the workers, that the site is properly cleaned after the day’s work, etc.

Quantity Surveying Services: We offer high quality quantity surveying services which are designed as per the prevalent market trends. They are customized in accordance with the details provided by the clients. This type of design service is in wide demand worldwide. Our services include: • Feasibility Studies • Cost Monitoring and Control • Contract Documentation • Bill of Quantities • Budget Estimates • Detailed Cost Estimates • Tender Reports • Final Accounts • Arbitration – Independent Referee Services • Cost Planning • Client Representative • Facilities Management Water Installation Consulting: We work with A. Matzrafi, the leading water installation company in Israel. In addition to their consulting division, they also carry out water installation jobs as well. They have done extensive work in exclusive projects in Israel and are able to bring solutions for impossible problems.

Systems Coordination: Each structure includes a number of infrastructure systems that serve the needs of users. Infrastructure systems, although usually hidden inside a building, are an integral part of the functioning of a building.

Not too long ago, these building systems were very limited.

Today, however, there are many systems and they each require careful planning – for their location in the building, how to connect them while building, coordinating between different systems and preparing for future systems and renovations.

The most basic building systems and the oldest are the sewage and water systems. These systems allow a comfortable life in the building and maintain sanitation use. In modern construction, the additional systems that require synergy are: Electricity, gas, communication lines, cable, climate control, security systems, fire systems, entertainment systems, SmartHome systems and more.

In order to save time and costs, it is imperative to coordinate between systems so that they don’t clash.

Prince Construction Management’s professional teams can foresee problems and provide on-the-ground solutions in real time.  02 535 5732 052 698 3534 Yaakov@princecm.com www.princecm.com www.BIZNESSMAGAZINE.com

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Expert

PF

PERS O N A L FI N A N C E

The Agony and the Ecstasy

By Richard Gussow

T

here is an old joke about a Jewish mother (forgive the stereotype) who keeps screaming, “Oy, the agony! Oy, the ecstasy! Oy, the agony! Oy, the ecstasy!”

A stranger comes up to her and asks, “Madam, what’s the agony?”

She responds, “It’s my daughter, she’s eloped! Oy, the agony! Oy, the ecstasy!”

The stranger ask, “So what’s the ecstasy?”

The Jewish mother responds, “He’s a nice young doctor!”

Life has its agonies and ecstasies.

And, as in the story above, some things can be both agonies and ecstasies simultaneously.

Case in point: Our extending life spans. People are living longer. The average life span in the U.S. in 1984 was approximately 74.7 years. By 2014, it rose to 79.8. In Israel, the news is even better. The average life span in 1984 was about 74.8, similar to the U.S. However, in 2014, it rose to 82.1. This means that the average life span in Israel is approximately two years longer than in the U.S. The ecstasy.

So what is the agony? The answer for many is our expanding life spans. Huh? Didn’t you just say that our expanding life span is the ecstasy? Isn’t it better to live longer?

The problem is that we will live more years in retirement.

Whereas 30 years ago, we would retire at 65 and live nine years on our retirement savings, today we retire at 67 and live 15 years or more in retirement. The combination of higher longevity and lower interest rates can prove deadly to our savings. The agony is that our savings may die before we do.

With that depressing thought, you may be happy to know there are solutions. Among them: • Defer retirement: Postponing our retirement accomplishes several things. First, by working longer, we increase our savings. Second, our monthly pensions and other retirement benefits such as Bituach Leumi can potentially increase. Finally, working longer means that we will spend fewer years in retirement. The combination can make the difference between having enough money to live comfortably in retirement and running out 16

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of money while we are still alive. One problem with this strategy is that we may not be healthy enough to continue working.

• Spend less: The traditional rule of thumb has been to withdraw up to four percent of your savings annually during retirement.

However, many financial experts believe that given the low interest rate environment, that may be too much. You also need to account for the effects of inflation on your spending.

• Take more investment risk: The days of being able to earn five percent in a bank account are behind us. We are likely to have low interest rates for at least several more years. While bond yields could rise, they are rising from a low base and may not even keep up with inflation. One way of increasing the returns on your portfolio is to increase your allocation to stocks. While stocks are more risky than many other investments, they also have higher return potential. If you need income on a regular basis, consider investing in stocks that pay high dividends. Many of these stocks pay dividend yields that are far higher than current interest rates.

How much will I need in retirement?

You will hear a lot of people, including financial advisors, say that to calculate what you will need in retirement, you should use a percentage of your previous income during your working years. Some advisors say 70%, others say 80% and still others say 90%. My view is that this is completely wrong. In some cases, these figures are driven by financial firms trying to encourage people to invest more with their respective firms. Your retirement should be based on your needs during retirement, not on what you previously earned. Many people will see their expenses drop significantly during retirement with mortgages being paid off, kids out of the house and a decline in work related expenses such as commuting. Others may see their expenses rise with increased travel, higher medical expenses and the desire to help their children and grandchildren financially.

How will I fund my retirement?

Your investments, savings and pensions are designed to fund your retirement. You can also extract cash by downsizing – selling your current residence and buying or renting a smaller one.

In summary: There are no set retirement rules. Everyone should calculate their own needs and how they will fund them. A qualified independent financial advisor can help you with this process. 

Bizness Magazine

(08)-970-7627 052-806-6690 richard@richardgussow.com www.richardgussow.com

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computer & network

Backup. Oh Yeah?

“There are two types of computer users. Those who backup and those who will.”

By Daniel Zahavi-Asa

I

magine that you have all your most sacred data -- videos, pictures, e-mails, documents and other business-related items on your computer. Now, imagine that you think you have nothing to worry about because you think you have everything backed up. Finally, imagine what would happen if suddenly, and without warning, there was a power surge so powerful that it literally burned every part of your computer. Every part. RAM, motherboard, DVD player, case and hard drives.

Hard drives? That’s right. The backup that you thought you had on that second hard drive you added to your computer last year is burned to a crisp. The entire computer smells like a fire raged through it. Everything is gone. Now go and try to get all that data back.

That’s what happened to one of my current clients BEFORE he became my client and BEFORE he backed up. He lives in an area where there are power surges, spikes and blackouts all the time. His computer had no surge protection and no UPS. In the middle of the day there was a power outage and then a tremendous power surge when the power went back on. The next thing I know, my phone is ringing and he is on the other end desperately explaining (i.e. crying) to me how his computer won’t go back on and that it smells very smoky. I told him to unplug the computer from the wall and wait until I got there.

When I did get there, his entire office smelled like something burned. The first thing I did was open the computer case. I saw nothing unusual but the smell became even more intense. His computer had two hard drives. The second one was used as a backup to the first. (Not a really good idea as it turns out.) I 18

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decided to take out each hard drive and test it separately. Neither would turn on, boot or otherwise show any signs of techno life. Uh oh. This was bad. Really bad. All my client’s data was on each of these two drives. Now what?

Another one of my clients thought she had most of her documents backed up but it turns out she neglected to back up her most vital ones.

So there she was, working away on her computer, when, at the most inopportune moment, her screen froze and she heard a grinding noise coming from inside the computer. It was not the fan noise she was used to. It turned out to be a hard drive noise.

The kind of hard drive noise you never want to hear but when you do hear it, you know it’s really bad. The kind where you know you’ve just lost all your data.

After assessing the situation and conferring with me, she ended up sending her hard drive to a company that retrieves lost data. Seven hundred dollars later, she had her data back.

These are but a few of the many stories from my clients and their adventures of losing data because of the lack of backup.

What data can you afford to lose? What about the cost and time of installing a new hard drive? Installing and configuring the computer? How much down time is it worth? How much backup do you need? What type of backup is best? And, hey!?

Where do I start?

Backup and its Many Forms: The following is a list of possible hardware backup solutions for use on your PC or LAN: Disk-on-Key/Flash Drive: A disk-on-key is one of those little drives that fits into a USB port and into your pocket. It comes in many sizes from 256MB to 16GB and more, so you can put lots and lots of files of all kinds onto it. There are a couple of down sides to using a disk-on-key.

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First, you can lose the little thing in a flash (pun intended). Attach it to your keychain or put it on a strap to wear around your neck. Second, you must make sure that you remember to remove the drive from your computer as it can easily fry. Always remember to manually eject the drive BEFORE you actually pull it out of the USB port of the computer.

External Hard Drive: External hard drives are cheap and loaded with space. The average price of an external drive is between $50-$150, depending on the size of the drive. Now, it’s just an issue of deciding what brand and size drive to buy. A 500GB Western Digital external drive will do the trick for most people. Just remember to treat it gently.

Don’t drop or bump it around too much as it has a tendency to crash when mistreated.

If you buy the smaller 2.5 inch version, the best thing is to get a case for it. Case Logic sells a very nice case for around $10.

DVD Burn: This is probably the worst option around today. The actual media is wonky and unreliable. Depending on the manufacturer of the DVD disc and the maker of the DVD player/recorder, you may have to burn many disks just to make one copy. In addition, DVDs are more susceptible to heat and scratches. They also warp and crack easily. Make this your last option.

NAS Network Attached Storage: I love this option. It’s a bit more complex than other solutions but it can also be a fun project and learning experience.

An NAS is basically a computer attached to a network that provides a file-server for that network. Once an NAS is installed, it does not necessarily need a keyboard or display, as it can be configured via a browser and controlled over the network.

For my NAS set-ups use old hardware including hard drives, RAM, cases and motherboards. This is a perfect solution for what to do with your old computers.

For a complete explanation of how to setup and configure an NAS, go to http://www.freenas.org/.

The Cloud: In recent years, you have probably heard or seen commercials for backing up your data “in a cloud” or online. The concept is very simple. After downloading and installing a small and simple application, you select the files you wish to backup

and click the ”backup now” button.

It may take a while the first time you initiate the backup. Do not despair.

Future backups will be incremental and therefore faster.

Backing up to the internet is especially good for documents. These are usually the smallest files on your computer so they’ll get backed up quickly. What about music, videos and the like? Not so much.

These files are much heavier and will take half past forever to upload. And just think that if it takes that long to upload, it’ll take just as long to get them back. For these types of files you’re better off using one of the previously discussed methods.

Where do you find cloud storage? Well, there are many places. Here’s two to start with: Dropbox: Dropbox is probably the most well-known of all the cloud backup/sync applications.

It allows you to share links to your data.

Unfortunately, it allows only one folder for syncing so you have to put all your files to be synced there. And it only gives you 2.5GB of storage. Get Dropbox at: www.dropbox.com Copy: Copy is similar to Dropbox but starts you out with more (lots more!) storage. Get Copy at: www.copy.com There are, of course, many other examples of online “cloud” storage but these should get you started. In addition, each of these solutions also has a tablet app which provides you with even more ways to access your data. There is even a way to access, share, copy and move files among your multiple online storage places. Otixio at www.otixo.com is one example.

So there you have it – some of the many possibilities of data backup. The only thing left to do is to find and install a good (and easily understood) backup application. You will find literally hundreds of backup programs on the internet. Some are free. Some are for pay. Some come with your hard drive purchase.  For help with a backup solution or any other computer/network related issue you have, please call Daniel Zahavi-Asa at 053-726-5175. We’re here to help you make the right choice.

053.726.5175 daniel@zahavinet.com www.zahavinet.com www.BIZNESSMAGAZINE.com

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Restoring your Furniture: How to Lose That “Sinking Feeling”

I

f you have sat on a sofa which has “fallen,” you know how uncomfortable it can be. Here’s what you can do about fixing that “sinking feeling.”

BEFORE

AFTER

Upholstered furniture has three elements to consider - the frame, the cushion and the fabric. Here’s an explanation of those elements in our project review of a Lawson-style sofa.

The problem: For many people, especially parents, the state of the fabric determines when they have had enough of their sofa.

Although the foam in the cushion often deteriorates long before the fabric, many have gotten used to it , and live with it.

Obvious signs of foam deterioration are the breaking down of the edges of pillows, the wearing thin of the arms and the reduction of the resiliency of the foam. That is to say that it feels flat by comparison to when it was new. A sure sign of foam breakdown in the “before” picture is that the pillows have lost their shape as well as a few centimeters of height.

When to Reupholster or When to Buy New: Not all furniture is made to be repaired. Ikea and cheaper Israeli-made furniture generally are disposable and not strong enough to repair. The best frames are made from hardwood, but even sofas with softwood frames can be worth restoring.

The next consideration is if the cushioning is held by springs or webbing. Springs provide the most comfortable and durable foundation for the cushioning, but webbing has replaced them in most sofas. Webbing comes in different grades. Cheaper upholstery shops use lower quality, cheaper webbing (and foam), resulting in only a few years of service. In the end, cheaper can end up more expensive.

What to Expect: Because our customers understand that reupholstering is more expensive than buying Ikea, they expect more elegance, comfort and years of service. They can select the firmness of foam. White foam is the cheapest and has a lifespan of a couple of years. The highest quality foam is latex foam which comes with a warranty of 12 years!

The original beige fabric was selected to blend in with the flooring, but the customer had a change of heart, and selected a bolder and brighter blue fabric for reupholstering.

Traditionally, the best fabrics were blends of synthetic and natural fibers. Nowadays, synthetic fiber technology has progressed dramatically, making purely synthetic materials durable, comfortable and cleanable. Many customers seek protective coatings to prevent staining, which is a plus, but should not be the major factor in selecting a fabric. A great paint job cannot turn a cheap car into a luxury model, and so it is with fabrics.

The final product is an inviting sofa that beautifies a living space and provides comfort and functionality for many years.

FURNITURE CARE TIPS: Caring for Upholstery: •Rotate cushions regularly to avoid excessive wear on one spot.

•Vacuum upholstery regularly to remove dust (especially in Jerusalem and Tel Aviv). Dust sinks deeply into the fibers when people sit on them.

•Professionally clean sofas with a wet extraction vacuum system* periodically. There are three reasons for this: -Shrinking, running dye and fading in the washing machine are avoided.

-It cleans deeper than possible by brush.

-It cleans more safely by removing excess water (95%) which can mildew or result in mold.

•Avoid placement in direct sunlight. Everyday sun will fade or bleach the fabric -- unless it is rated for outdoor use.

•If food spills on leather or fabric, use only a dull knife to remove it as soon as possible before it sinks in. Do not rub the affected area too aggressively, as it may remove the color. Be prepared with spot remover that is suited for the specific kind of spill.

Preventing Damage to Wood Furniture: Light damage takes the form of discoloration, usually bleaching.

Light induces bleaching and degradation in furniture coatings, whether transparent or polychrome, in the wood itself and especially in upholstery textiles. Light damage is cumulative and permanent.

Swings in temperature and humidity can damage wood furniture especially if it is placed in direct sunlight. As wood absorbs humidity and then later dries up, it swells and contracts. This deteriorates coatings by making them less flexible. Since the wood continues to move with humidity change, the coating becomes increasingly brittle with time. Humidity fluctuations eventually cause the coatings to begin fracturing or separating from the wood. *a service of Restorno RESTORNO Tel. 02-650-8777 | email: nati.restorno@gmail.com

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Tax Benefits for New Immigrants and Returning Residents

by

Dave Wolf, Adv., and Mirit Reif, Adv.

I

sraeli resident individuals are subject to Israeli tax on their worldwide income and capital gains. In order to encourage aliyah, new residents receive certain tax benefits on income derived outside of Israel.

Effective as of January 1, 2007, “New Residents” and “Senior Returning Residents” (Israelis who have lived abroad for at least ten years) are both entitled to the same package of tax benefits.

References to “New Residents” below include “Senior Returning Residents,” unless otherwise indicated.

Tax Benefits: 1. Exemption: The most notable benefit for “New Residents” is a ten-year tax exemption regarding all non-Israeli sourced income and capital gains, even if the foreign assets were acquired after moving to Israel. This includes the following: a. Passive income - such as dividends, interest, rent, royalties and pension generated by assets overseas. b. Capital gains. c. Business income. d. Vocational and labor income such as salaries and income of an independent nature generated abroad. e. Trusts that were settled by “New Residents” who arrived in Israel after August 1, 2013, are entitled to the ten-year 22

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tax exemption on foreign income only if all beneficiaries of the trust are new immigrants or foreign residents, and as long as the settlor is still alive. f. Further information regarding trusts can be found in our previous article: “Beneficiary of a Foreign Trust? Pay Tax in Israel.”

2. Reporting: Exempt income and related assets do not need to be reported to the Israel Tax Authority for the entire ten years. All types of income and capital gains are covered by the exemption if they are derived from non-Israeli sources.

3. Foreign Companies: A company established abroad and owned by a “New Resident” will not be considered as an Israeli company for taxation purposes for a period of ten years and thus will be exempt from Israeli taxes on foreign source income during this period.

4. Adjustment Period: “New Residents” may elect, within 90 days after arrival in Israel, to be treated as a foreign resident for one year for Israeli tax purposes.

5. Tax Credits: Most countries grant their resident taxpayers deductions or personal allowances which reduce taxable income. Israel is different because it grants personal tax credits which are known as credit points. These credit points directly reduce the amount of tax due, not the amount of taxable income. The value of a credit point usually changes slightly each year. (At the moment, each credit point is equal to 218 NIS per month and 2,616 NIS annually.) “New Residents” are entitled to up to 4.5 additional credit points.  The content of this article is intended to provide a general guide to the subject matter and is not a substitute for legal consultation. Specific legal advice should be sought in accordance with the particular circumstances.

Dave Wolf, a U.S. and Israeli tax attorney, is a partner at Dave Wolf & Co. Law Firm. Mirit Reif, an Israeli tax attorney, is a senior associate at the firm. They can both be reached at 02-622-2335.

Dave Wolf & Co. is a law firm specializing in taxation and wealth management with offices in Jerusalem, Tel-Aviv and New York and affiliate offices in Greater China, London and Amsterdam.

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02 999 3939

THE NEW BRANCH!

The biggest wine and alcohol shop in Israel

NIS

149 90

Black Label

Limit 4 Liter units

NIS

79 90

NIS

Russki Standard

269

NIS

Glenlivet 18

Limit 6 Liter units

700 ml.

NIS

99

NIS

Chivas

44 90

Tray of XL

Limit 4 units 700ml.

24 units / limit 2 trays 250 ml.

34 90

6-packs of 330ml.

Goldstar 330 ml

Beck’s 330 ml.

- 2 for NIS

100

Elite Arak limit 2 units 700 ml.

NIS

39 90

Finlandia limit 6 units half Liter

Stella

330 ml.

NIS

59 90

Khortytsa 700 ml.

Heineken

Tuborg

330 ml.

NIS

330 ml.

99 90

Phoenix

limit 2 units Liter

NIS

149 90

Tomintol 10

Ramat Eshkol Commercial Center, Jerusalem

700 ml.

Carlsberg 330 ml.

NIS

144 90

Jack Daniels Liter

02-581-1122

Expert

TA

TA X A D V I S O R

Should You Use a Professional to File Your Income Tax Return?

By Sima Wolpin

I

recently received a call from a man named Isaac who was referred to me by one of my clients. Isaac told me that he had opened his own business five years ago and has been filing his annual income tax returns on his own. Suddenly it occurred to him that he may have been making errors in filing the returns.

When we met the next day, I asked him how he knew how to file his own tax returns and how he knew what needed to be included.

I was surprised by his response. He informed me that all he knew was that he had to include his self-employment income and his wife’s salary. I knew immediately that he couldn’t have completed his returns correctly.

Upon delving deeper, I found out that he had other income which he was not reporting. He had inherited three apartments but did not know that he had to include their rental incomes. He was also mistakenly deducting expenses against his business income such as childcare, clothing and family trips to restaurants which are not deductable. Unfortunately, the corrected tax returns led to a rather large assessment.

There was one positive note that came out of this. Since we were the ones to report the errors to the tax authorities, the resulting tax assessments were substantially less than they would have been had he been audited and had the tax authorities found the errors.

Isaac learned the hard way why it pays to use a professional.

I will now share with you some questions I received about tax returns: What is the due date to report taxes for someone who is selfemployed?

Businesses with single entry accounting records are required to file by April 30th. Businesses maintaining double entry accounting records have until May 31st.

Is it Is it possible to get a filing extension?

Yes, by contacting an accessing officer. He will examine your request and based on your reasons will decide whether or not to grant you an extension.

What happens if you do not submit the tax return on time?

Fines will be assessed for each month of delay.

If I am registered with the tax authorities but have had no income or expenses this year, do I still need to file?

Yes If I was self-employed and registered only in the last month of the year, do I have to file for the whole year or can I just file for that one month?

You must file for the whole year.

Is it necessary to attach all my invoices and receipts to the annual report?

24

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No. A statement of your total income, business expenses and any documents substantiating any other sources of income and expenses is what is needed. This will vary according to your circumstances.

My wife is salaried; do I have to include this in my filing?

Yes. Your annual filing needs to include all of your joint income regardless of the source.

How do I submit my tax return?

Either log on to the tax authority’s web site or have your professional use his own software to enter all of your information. When that is completed, a file needs to be printed out and brought to the tax authorities.

What happens once my tax return is filed?

After a few weeks, you will receive an assessment from the tax authorities. This will contain all the income and expenses that were used in making the assessment determination. This needs to be checked for mistakes against what you submitted.

Nine reasons why one should use professionals to file tax returns: 1. The tax authorities do not accept ignorance of the law as an acceptable excuse.

2. Not all expenses are allowed and those that are allowed sometimes have limitations.

3. You may be unaware of certain allowed expenses.

4. Tax professionals know the most advantageous ways to report rental income.

5. Professionals ensure that you receive all of the tax credits that you are entitled to for payments into kupot gemel, keren hishtalmuyot and life insurance policies as well as for ovdan kosher avoda. (It should also be noted that payments for mortgages generally also carry a life insurance component.)

6. With a professional, one can be certain that all proper credits are given for various items such as unique family or medical situations.

7. Items that are allowed to be carried forward will be correctly applied to the current as well as subsequent years.

8. Professionally filed tax returns may sometimes be filed later than the deadline without any added penalties.

9. Since your tax return will be sent to Bituach Leumi for assessment, a professional review may avoid all sorts of problems.

Please contact me to address your situation to help you avoid these pitfalls. 

Bizness Magazine

052-763-2408 sima.taxadv@gmail.com

02 999 3939

r ed fo ot! e n n ou All y oach M:0a0 - 15:00 l 9 Mish rim day n Pu

Ope

Beer - Honeycomb Tea Liqueurs - Chocolat e Bi Purim cookies - Min sconi i wines

...and a whole list of discounts:

3+1, 4+1, 15% off, 10% off Free bottle of Hermon Moscato (regular price NIS 48) with every purchase above NIS 300 OR a free bottle of Saslove April (regular price NIS 75) with every purchase above NIS 500 (Club members get the better of the two discounts. Free bottles while supplies last)

To order: at www.jerusalemwineclub.com 02.625.2896 or info@jerusalemwineclub.com

Villa for Sale

by OPPORTUNITY REALESTATE INVESTMENTS (AGENT)

On Rehov Daniel in Ramat Beit Shemesh Gimmel

AMAZING

400 SQ-M

HOUSE EXTRA LARGE

YOSEF

050-575-0054

GARDEN GROUND FLOOR SEPARATE 80 SQ-M UNIT IN BASEMENT GREAT OPPORTUNITY ASKING PRICE

3,100,000NIS

SINGLE AND DOUBLE LOTS AVAILABLE AT ATTRACTIVE PRICES EMAIL: YK0054@GMAIL.COM

(Unfinished interior and no windows for buyer to finish to his taste). Sold “as is”.

Tell us about your beginnings in the food service business.

I have always been interested in the food industry. When I was 18 years old, I bought a deli store in Brooklyn, USA. I later sold it to make my dream of making aliyah come true. That was eight years ago. I wanted to stay in the food business so I opened up my own store in the old city. I bought a Sorrento franchise which later became Zislick. I also took over Zislick in Bet Shemesh.

How was “The Scoop” born?

We opened “The Scoop” over two years ago in Efrat. It became a very popular place. People love it! We decided to add American bagels to the menu. It was just the perfect combination. Bagels, salad bar, muffins and ice cream.

At first, when we were only selling ice cream, we found ourselves looking for a place to eat a salad everyday and were spending a lot of money. That’s how our salad bar idea was created. Today, we have the most popular salad bar in Ramat Bet Shemesh – fresh, affordable and great service. Our clients keep coming back; some of them day after day, some week after week.

How did your experience with Zislick prepare you for “The Scoop?”

I think you can learn a lot from every business and improve.

The Scoop was born from mistakes we made in Zislick. You can’t just live on ice cream! That’s why we started offering toasts, salads and now American bagels. It has turned us into a destination where individuals and families sit to eat a full meal instead of just coming and picking up an ice cream.

Tell us about the changes people will see when they come in.

First of all, the place will be redecorated with a new design.

The salad bar will be one and a half times bigger. We will have over forty toppings to make your salad, including “lite” options like: “lite” tuna and “lite” egg salad. We will also have over ten different homemade dressings. As you know, our salads are fresh.

Every couple of hours we renew / change the vegetables.

We are also going to have great muffins – whole wheat, regular, blueberry, apple cinnamon, chocolate chips and chocolate chocolate. Low fat muffins coming soon too.

The same menu will stay, we’re just adding bagels.

Why bagels?

There is no better way to start your day than to have a bagel. In Efrat, we sell over 1,000 bagels a week! We think we can easily double that in Ramat Bet Shemesh since Americans appreciate good bagels.

Interview with Gary Schickman, CEO

What is the difference between a bagel and a Scoop bagel?

We’re bringing real home-made American bagels! Most places that sell bagels skip the process of boiling them. At “The Scoop,” we let the dough rise the right amount of time before we boil them. The whole process can take 24 hours. Customers will feel the difference between a bagel and a Scoop bagel. The Scoop bagel will be available in white, whole wheat, plain, sesame, onion, poppy, salt, everything, garlic and coming soon – cinnamon raisin. You’ll taste the real American bagel dough.

Why will people come to “The Scoop?”

Because of our bagel quality and, as usual, our excellent customer service.

How about the ice cream?

The ice cream stays the same; delicious as always.

How about your prices?

At “The Scoop” we believe that there is no reason for bagels to be an expensive item. There will be reduced prices for a dozen bagels and great combo specials including tuna, egg salad and cream cheese.

Are you keeping the same great staff? Is Arye still going to be there?

Of course! Arye is my partner and he’s staying with me.

Everything he touches becomes a success. All of our wonderful staff is staying. We are all going to be here making sure our customers are satisfied. We are always willing to hear feedback in order to provide 100% customer service.

So, one in Efrat, one in Ramat Bet Shemesh, are you thinking of franchising?

No, although we have had many requests.

Our concept is not to have a franchise. We think that once you have a franchise, there are things that are not under your control and you lose the customer service touch.

For now, we are not franchising it. Who knows what the future will bring?

We know first-hand how amazing your catering for simchas is. Is it going to continue?

For sure! We cater for simchas almost every other day. Now, with the addition of bagels, we are sure it will keep us even busier.

The Scoop is located on Nachal Zohar across from Zol B’Shefa.

Tel. 02-626-0630 

Expert

AD

Anxi ety D i s o r d er S

Four Ways to Reduce Stress in Your Life (Why Didn’t Anyone Ever Tell Us?)

By Rachel Factor LCSW 1. It is important to understand that it is not the events in our life that cause stress but our thoughts about it. Once we can accept that it is simply our thoughts aggravating us, the challenging situation becomes manageable. We can move from, “Why is this happening to us?” to “What can I do about it?”

Shayna was up all night with her baby. When morning came, she felt that she was in no shape to deliver her presentation at work. She was feeling frustrated and upset. It would have helped Shayna if she could have accepted the tired feeling and done the best she could with it. We don’t always get to choose the state we will be in. Shayna also created a story in her head that if she wasn’t so tired, everything would have gone well. But now, because she was so tired, nothing would go well.

Even if Shayna’s presentation didn’t go well, would it be a total failure or would it just not be great? Most importantly, Shayna needed to accept herself and realize that her true worth did not lie in the success of her presentation.

2. Stop trying to control everything. Be open to the idea that if things are not going the way you want, maybe that’s okay too. We like to feel that we are in total control and that everything should go our way. As result, we end up getting in our own way much of the time and tripping over our own two feet. When people learn to “Let Go and Let G-d,” they see amazing things happen in their lives.

Chezki was having one of those days. The car stalled and he missed an important meeting at the office. Then, his son’s rebbe called and said they had some serious stuff to talk about. Interestingly enough, Chezki remained calm. He problem-solved each situation to the best of his ability. He could have stressed about the stalled car but it wouldn’t have gotten him to work any faster.

He could have created stories about what his son’s rebbe was going to tell him but in all likelihood he probably wouldn’t have guessed correctly. He would find a way to cope with whatever the situation was. He knew that he was not running the show and even suspected that it might be better that way.

3. When you are struggling to make a decision or come up with an idea, don’t think long and hard about it. We often spend hours weighing pros and cons and getting nowhere. The harder we try to come up with something, the further away the answers seem to 28

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FEBRUARY 2015

be. If a decision isn’t clear, leave it, if possible. Once the pressure is relieved, the creativity can be restored and you’ll likely know what to do.

Malka was agonizing over which school to send her son to for the upcoming year. Each time Malka would review the situation from a different angle and get nowhere. Finally, Malka was advised to take a break from thinking about it. When the thoughts came up, she gently brought herself back to where she was. Eventually her thoughts quieted down and it became clear to her what she wanted to do.

4. Live in the now. The past is behind us; the future is not yet here. All we really have is the present. Many of us live inside our heads, engrossed in our thoughts and we simply miss the life that is occurring around us. Notice the colors, the scents, the warmth of the sun shining on us. Notice what is going on around us. It’s always remarkable to watch a young child on a walk stop and become delighted in nature and his surroundings.

Living in the now is also about appreciating each part of our life journey. Sometimes we are so focused on our goals that we forget that each step along the way is valuable. Yair and Gila had a nine-year-old son, Chaim, who learned in a special education class. They were told that it was reasonable that they would be able to mainstream Chaim at some point. Yair and Gila were so focused on the bigger goal for Chaim that they failed to appreciate each small step that he took. It’s nice to have a goal as long as it doesn’t blind us to the gift that is the present.  Wishing everyone to bring a greater sense of calmness and presence of being into the upcoming holidays!

Bizness Magazine

052-713-4130 (Israel) 845-510-4169 (US) Rachel@OCDsolutions.com www.OCDsolutions.com

02 999 3939

Kosher

Bais Yosef meat

Who will cook ? When is there time ?

What will we cook ?

Why bother ?

Pasha.

The Answer to Your

Four Questions!

Pasha’s take-out restaurant

Special menu for Seder night and the holiday meals.

Opening hours for the Pesach season: Thurs April 2nd 15:00-20:00 Fri April 3rd 8:00-15:00 Wed April 8th 12:00-18:00 Thurs April 9th 8:00-15:00

Chag Kasher V’Sameyach! Place your orders in advance!

No Kitniot

Pierre Keonig 28, Talpiot, 02-6482220 | Parking in Hadar Mall | Catering for all types of events

Sunday-Wednesday 12:00 - 17:00, Thursday 12:00 - 18:00, Friday 8:30 - 15:00

Expert

WI WI G S

Digging for Gold

How we make the perfect wigs Interview with Ayala Greenbaum, Founder of AG Wigs The wig industry is huge, with so many different sheitel-machers and stylists all over the world. How does AG Wigs stand out?

It’s rare to find a salon where a woman can walk in, have a wig created just for her head and then get it expertly styled in the way that’s just right for her. At AG Wigs, we combine professionalism, experience and know-how. Yaniv, my partner and mentor, is an expert hair-stylist with over 15 years of experience. (In fact, Yaniv styled my hair when I was a teenager.) I am a professional wigmaker. Together, we create and style quality wigs which our clients enjoy for many years.

What services do you provide your customers?

In addition to creating custom wigs, we do wig adjustments and wig renewal. Many customers come to us with ill-fitting wigs, or wigs which just look wrong. Yaniv and I examine such wigs and fix them up so that they look fabulous and feel amazing on the head.

Tell us about the types of wigs you make.

We make bandfalls, hatfalls, kippa falls, and full wigs with or without lace fronts. Our wigs are all extremely light and breathable – we aim to make the most comfortable wigs on the market. We like to ensure that every woman who walks through our door will walk out happy, so we also sell pre-cut wigs which are a cheaper option, although our all pre-cuts are made from the finest European hair.

Describe the process of creating a custom wig, from start to finish.

It actually starts with a cup of coffee. We schedule an hour-long meeting with the client so that we have the time to really understand exactly what she is looking for in a wig. I take detailed notes on every aspect of the hair that will be used, like the length, texture, quantity and style – will it be layered, curly or straight. After that comes the ‘Fitting’, when I measure the customers head accurately for cap size. I make sure that the wig will be very comfortable so that the client won’t have to return for refitting. Then comes what we call the ‘Gold Dig’ – finding the perfect hair for the order. This is a process which takes a minimum of three hours if we’re lucky but it can easily take weeks! I’m a perfectionist and I won’t settle for any hair which isn’t perfect. Once the hair has been selected, we put it through a fine cleaning process to ensure that every strand is top quality. Then we go on to building the wig. When it is completed, I double-check that it meets all the client’s requirements. Then we give it its first wash and call in the client to meet her new wig.

What is the most rewarding part of being in this business?

The best part is seeing our clients walk out from our salon feeling 30

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happy and comfortable and confident. We recently had an adorable young American woman who came to us during her Chanukah vacation in Israel.

She was so nervous about purchasing a new wig because she had once paid a fortune for a custom curly wig to match her own hair, only to end up with a hideous frizzy mess. She wore her second wig most, but it is barely wavy and she never felt like her real curly self in it. She had heard about our service and decided to pay us a visit.

She ended up buying a beautiful curly wig which suits her perfectly.

When she returned to the States, she emailed to let us know how happy she is that she took the plunge and bought her wig at AG Wigs. It is stories like that which make my day.

Any advice for readers who are looking to improve their business?

My experience in the wig industry has shown me that the most important thing is to be honest and patient with the customer. This makes customers feel that you have their best interests at heart. Also, sometimes it is worth suffering some losses if it means that your customers will remain happy and your good name will be preserved.

Customers appreciate good service, and they will come back if they feel that you went out of your way for them. Don’t underestimate word-of-mouth! Many of our regular and international customers first came to us after hearing about AG Wigs from their friends.  Pre-Pesach Promo: Buy a new wig now, get a FREE wash and set for the year!

Bizness Magazine

052-654-3500 (02) 625-1018 Like us on our Facebook page: AG Wigs

02 999 3939

Haahuza’s Kosher L’Pesach Menu Pesach Opening Hours: 2/04 THURSDAY, EREV CHAG| 3PM - 8PM 3/04 FRIDAY | 8:15AM - 2:30PM 9/04 THURSDAY, EREV CHAG SHEINI | 8:15AM - 2:30PM

ĪĤij ħ“ĠĢĞğIJĩħħĢ ijĴĦ ĮĬĠĤ ĵĤĜijĴĜ ĵĠĤīĢģĬIJį Ĵħ ijĴĦ ěijĩĠĢħ ğĴĢ ěħħ ģĤĩĴ

FOR FULL MENU VISIT US AT

WWW ADDRESS:

.HAAHUZA-C.CO.IL

Maala Hahamisha, next to Nataf TEL.02-5703093/4 FAX.02-5703095

What happens when you get to the point of :

“It’s my way or the highway”?

By Ruthie Weinberger, BSW, MSc

L

ife is about negotiations. Nearly all our interactions with people are negotiated – I say, you say; he says, she says; we agree, we disagree and then we come to an understanding.

Let’s take a shopkeeper as an example. He sets a price. I choose to pay the price or not to pay the price. Were I to ask for a discount, he would have the choice to accept or decline. The transaction would or would not occur. This is representative of how we negotiate our way through life.

What happens when a negotiation hits a stalemate or when someone changes the pattern or the script? Maybe one side is more emotionally charged than the other side or maybe both are equally disenchanted. When the opposing sides can no longer negotiate terms that are mutually agreeable, it is time to bring in an outside party to broker the compromise.

This in essence is the role of a mediator. A mediator enables the parties to recognize that the power to decide is within the scope of their ability without either one losing face. Using “reframing,” a mediator can empower the sides to explore other angles of the situation. This opens doors to renewed negotiations. With a mediator’s aid, the parties can regain control and head off in the right direction.

A local school had a “cold war” raging in its halls. There was an inexplicable unwritten law that upper classmen never speak to junior classmen. Anyone violating this law had to face severe consequences. A new boy joined the school as an upper classman and unknowingly broke rank by speaking to a junior classman.

His classmates were in conflict. One of their own had broken rank and according to the “law” had to be punished. Tension was escalating and things were quickly getting out of control. I suggested that a professional intervene and perform “peer mediation” so that the students themselves would have a say in the solution. A few days later I asked whether the problem had been equitably resolved. I was told that the school administration decided not 32

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FEBRUARY 2015

to bring in a mediator and had to intervene themselves, causing dissatisfaction and further unrest on both sides. There were no victors here.

Peer mediation isn’t just for problems in a school between students and authority figures. It also serves a purpose wherever an interpersonal conflict arises between people of equal or similar stature, such as between siblings, spouses, neighbors, etc.

When dealing with interpersonal conflict two components need to be addressed; namely, insult and injury. Mediation offers an opportunity to rectify this using a technique known as “redress.”

The mediator meets with both sides in the conflict and begins to restore each one to its previous standing. The process is one that is familiar to many of us as Jews as it mimics the teshuva process.

Recognizing that we did something wrong to someone else, offering and actualizing amends (an apology and reparation), and avoiding repetition of the offense, are key halachic components of the process. Redress can be vital in family mediation, restoring the members to equal footing.

In our last installment we left our three siblings in crisis mode, as Dad resents the much needed help they offer. Reuven, the eldest sibling, is arguing with his wife about making a life-changing move closer to his father, enabling him to be more involved in his daily care. Dad is resentful of the children trying to run his life and is against Reuven’s intentions to move closer to him. Dina’s husband, a retired physician, thinks Dad should move in with them.

He extended the offer without consulting with Dina, believing the change would affect him the most. Dina is furious and Shimon (her twin) agrees with her. Unbeknownst to Shimon, his wife wants them to move into Dad’s house since it is on a better street and is bigger than their current home. Please note how the problem is now about the dynamic between the siblings and their spouses and less about the main issue, namely what is best for Dad. In our next installment we will suggest several techniques to guide this conflicted family out of the destructive stalemate they are in.  Holidays are a time when families get together and old conflicts can rekindle. Yom Tov is not the time and place to rehash (old) family feuds nor ignite new ones. Purim and Pesach should be Kasher V’Sameyach.

This year clear the “Chametz She’balev” by signing up online at www.rweinberger-mediation.com to receive a tips & technique sheet and short mediation coaching skill video.

Wishing everyone a Freilichin Purim and happy Pesach cleaning.

Bizness Magazine

054-492-0238 mediatorruth@gmail.com www.rweinberger-mediation.com

02 999 3939

Devorah Schecter

This Pesach, let personally prepare unique gourmet meals for your dining pleasure.

We deliver from our kitchen to yours! Ƈ *OXWHQ )UHH Ƈ 1RQ *HEURFKWV Ƈ 1RQ .LWQL\RW Ƈ 0DVKJLDFK 7PLGL

Orders or inquiries: 02-653-5519 | Hours: 8:00-22:00 | wwww.devorahschecter.com

Expert

NT

nar r ati v e th er apy

Narrative Therapy 101

By Karen Wolfers-Rapaport, MA

T

his week, I would like to break down the concept of Narrative Therapy into some basic building blocks. I view the following three principals as crucial to the successful development of any therapeutic partnership.

The first basic principle I embrace as a Narrative Therapist is the idea that people are experts in their own lives. What does being “an expert in your life” mean? It’s the acknowledgment that each person has unique experiences, contexts, and perspectives that “fit” for them and the lives they want for themselves and their families. As a Narrative Therapist I seek an understanding of what’s important to those I am serving, I want to honor their story.

Accordingly, my services are flexible and respond to the unique hopes and dreams, values and beliefs, intentions, visions and commitments that each person brings with them. Perhaps their story needs to be “thickened” and deepened, perhaps their personal resources need to be highlighted. Maybe their vision, and activation of that vision, needs to be clarified. In the end though, I am working from the source; their personal story. I am witnessing their story while they are authoring it.

The second basic tenet or principle I embrace as a Narrative Therapist is that problems are separate from people. I enter that room with the understanding that you are not the problem, the problem is the problem. I believe that people have sets of values, commitments, skills, abilities and beliefs that help them tackle and change the relationship with the problems in their lives. For me, it is central to help people discover that the “problem” is outside of themselves. It is not a part of them, it is not connected to their essence; it is not a piece of their core. When space like this is created between a person and a problem the person can begin to revise their relationship with the problem.

The third basic principle I embrace is the curiosity and willingness to ask questions to which I genuinely don’t know the answers to. I see myself as an influential yet de-centered observer.

There are many possible directions a conversation can take and the client plays a significant role as to which direction is chosen.

I come in with an open heart and open mind and an acute understanding that the person who sits before me has lived their life where as I have not.

Techniques Techniques used in Narrative Therapy are the conduits to achieve the meaningful awareness, change and growth that we 34

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all aspire to during the therapeutic process. Here I will outline some of the basic building block techniques that I believe encourage those goals.

The Power of Externalizing the Problem As mentioned before, separating the person from the problem is a central principle in Narrative Therapy. One of the ways this can be achieved is through externalizing the problem throughout the conversations you have with the client. I have found that externalizing conversations subverts the problem’s power by undermining conclusions that have gone unquestioned. The person can experience understanding the problem without the problem’s complete dominance. You can begin to “ask” the problem questions: How are you causing me harm? What purpose do you serve in my life? Do you, the problem, conflict with the values and hopes that I aspire too in the future? What actions can I take to diminish or eliminate the effects of you? As you can see, externalizing conversations and questions generates new territory that provides room for alternative ways of understanding “the problem” to be explored.

The power of Identifying Unique Outcomes; Re-authoring Conversations Re-authoring conversations is a key technique in the practice of narrative therapy. Re-authoring conversations invites the client to help pursue some of the more neglected areas and events of their lives often covered over by the problem story being told.

These may include: achievements under stress, survival skills or personal resources growing up, and qualities of themselves left out of their story such as generosity, wisdom, insight and kindness etc. These untold stories can be sadly neglected in the telling of the problem story by the client. Neglected events in the client’s life are viewed as exceptions or unique outcomes that are utilized as a beginning point for re-authoring conversations and the development of alternative story lines. By focusing on times when the “problem” did not take hold of the client, by concentrating on innate gifts that have been underutilized, I am able to help guide the client towards a more holistic view of themselves and their story.

I hope down the line to further explore Narrative Therapy techniques such as Outsider Witnessing and Letter Writing. Until then I bid adieu; happy re-authoring! 

Bizness Magazine

050-990-6368 karenwrapaport1@gmail.com

02 999 3939

Expert

RE

RE A L ESTATE

From Dream to Reality

By Yossi Lipsh

Do you already own an apartment?

Homeowners sometimes feel that owning an apartment will prevent them from buying a new property or upgrading to a bigger one but that is not necessarily true.

You don’t have to be rich to make this a reality!

Here are two easy options that can make it possible for you to buy a second apartment or upgrade your current one: Buying a Second Apartment Easily: You don’t have to sell the first apartment. You can use it as leverage to buy the second apartment. An appraiser needs to come and give you an assessment of the property’s current value. You are able to borrow up to 50% of that value and put it toward a new property. Let’s say, for example, that the appraiser estimates your home’s value at 1,500,000 NIS and you have no current mortgage. You can request up to a 50% mortgage from your bank on the first apartment and put that toward your new home. You can use this as your down payment so that you don’t have to use your own funds.

You then take a 50% mortgage on the new apartment and you have the entire sum. The mortgage from the first apartment will be paid with the rent from the tenants.

This needs to be around 3,500 NIS per month for a 30-year loan. The second half or rest of the mortgage will be paid by the owner.

Your benefits are: • You now own two apartments.

• The main chunk of your mortgage is now being paid by your tenant. You only end up paying a small sum to cover 36

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FEBRUARY 2015

the rest of the amount.

• In thirty years from now, you will own two apartments that are completely free of any liens.

Upgrading to a Bigger Apartment Easily You own a four-room apartment worth 1,300,000 NIS and you want to upgrade to a new apartment worth 1,800,000 NIS. You don’t want to deal with the headache of paying a mortgage every month or maybe you’d rather pay a smaller mortgage.

Since the prices for new projects go up every day, it’s better to buy now and wait with selling your first apartment because now, the first apartment is being used for a bridge loan.

If the new apartment will only be ready in two-three years, you can get up to a 70% mortgage on the new apartment! You can get that only by first declaring that you’ll sell your first apartment within two years.

The 70% comes out to 1,260,000 NIS toward the new apartment.

You are now missing 540,000 NIS (30%). Where do you get it from?

You take up to a 50% mortgage on your current apartment which comes out to 650,000 NIS which will now cover the 30% for the new apartment.

Then, about a half a year to a year before you receive the keys, you start selling your first apartment. Once you sell, you can cover the new mortgage.

Your benefits are: • You bought an apartment for a low price in a new project because you bought early or you bought a second-hand apartment that is bigger.

• You aren’t throwing rent money down the drain while waiting for your new apartment to be ready.

• You avoid moving twice.

There are always additional costs such as purchase tax, lawyer and realtor fees, moving costs, etc., but, in the big picture, it is worth your while to get an upgrade or second apartment with little financial effort .You will be happy that you did.

This article was written in conjunction with Davi Katz of Mortgage Israel. 

Bizness Magazine

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Interview with

Becky Levine of Nail Queen Express

& Nail Studio Beauty School Becky, what is your professional background?

I learned cosmetology a few years back but my background is in business and management and I have managed various businesses throughout the years. I managed a business in the contact lens industry, worked in hi tech for five years and in marketing and sales. I have also specialized in the on-line shoes market in Israel. Cosmetology was always a side hobby until I got a chance to bring my dream to life and opened a salon in Jerusalem. After that, the founder of Nail Studio turned to me and asked me to open up the Jerusalem branch of Nail Studio. Today, I am the owner of a nail and beauty salon, Nail Queen Express, which is located in the heart of the city center in Jerusalem. I am also the managing owner of the Nail Studio branch in Jerusalem.

Tell me a bit about Nail Studio Beauty School.

Nail Studio is the largest chain of beauty schools in Israel.

It has over twenty branches spread out all over the country. We have a large staff of highly trained professionals who work and teach at Nail Studio. Over 75% of the nail technicians in Israel are graduates of Nail Studio. Nail Studio has central training branches, sales representatives and authorized agents in the field. It also exclusively represents the leading international brands such as OPI, IBD, Color Club, Creation, Be Natural and Ardell thereby enabling its students to be trained in the latest and most innovative techniques in the nail profession today. The school’s certificates of training are recognized in the industry and are a springboard to financial independence and excellent employment opportunities. A real advantage is the ability to receive the international training certificates of OPI and IBD which are recognized in over 80 countries.

Who is a good candidate to learn the beauty profession?

Anyone who is attracted to the field of nails and beauty can study. There is no need for prior knowledge. We have a huge range of students from all age groups and all backgrounds coming to study the courses. Since we offer morning and evening classes 38

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FEBRUARY 2015

twice a week, anyone can join us -- even if they are working or are stay-at-home moms.

Which areas of cosmetology do the courses cover?

We offer courses in acrylic tips building, manicure and medical pedicure, waxing, eyebrow shaping, gel polish, permanent makeup and eyelash extensions. In Israel, acrylic tips are very popular and this course is very popular. I personally recommend the manicure and medical pedicure for those who want to cater to the large English-speaking community in Israel.

How do the students gain practical, hands-on experience?

The courses are made up of 40% learning material and 60% “hands-on” practice. During the course, students are asked to bring “live models” for practice.

What is the mission of Nail Studio?

Nail Studio was founded over 25 years ago by Brian Laden and his vision was to empower women and enable them to support themselves and their families.

What makes you superior to the other beauty schools in Israel?

Nail Studio is the leading school in the country and offers small classes, highly professional teachers and is the home to all the leading brands in the world.

What services do you offer in your salon? Do your jobs in the school and in the salon overlap?

We offer manicure, pedicure, gel polish, acrylic and gel building as well as anti aging treatments, permanent makeup, spray tanning and eyelash extensions. As an owner of a large nail salon, I can also offer outstanding students a position at my salon or help refer them to other salons in cities throughout the country. 

Bizness Magazine

Nail Studio Jerusalem- 5 Dorot Rishonim St. (off Ben Yehuda st.) : 02-581-5818 Nail Queen Express- 1 Heleni Hamalka St. (off Jaffa Rd.) : 02-626-4999 www.nailstudio.co.il Find us on Facebook: www.facebook.com/Nailstudio.il

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ENGINEERING & CONSTRUCTION

Building Your Dream Home It’s All about Finding the Right Builder

By Netanel Grossman of Grossman Engineering and Construction

B

uilding a home from scratch is a daunting enough task without having to worry about whether your choice of builder is a good one or not. In effect, your builder is going to be your business partner for the foreseeable future so you want to make sure that he is someone with whom you can have a good working relationship.

With so many options available, how does one go about finding the right builder? The best place to start is by asking friends and relatives for recommendations. Builders should, of course, be able to give you a list of references for jobs they have already done but your acquaintances will most likely be more truthful about their experiences. You can also take a drive around your neighborhood to see if any of the buildings take your fancy and then ask the homeowners if they were happy with their contractor. Another way is to check for an expert builder in a trustworthy magazine. .

Once you have compiled a list of three to five potential builders, the next step is to interview them. Professional builders should behave as all other professionals do – they should respond to phone calls and arrive at meetings promptly. A reliable builder will take the time to answer all your questions and will make sure to address any concerns. It is prudent to have a set of carefully constructed questions to ask during the interview and to record the builder’s answers.

Some questions you may wish to ask are: • How many years have you been in the business? How many homes have you built?

• Have you done any projects which are similar to what I require?

• Are you licensed and insured?

• What type of warranty do you offer?

• What is your financing plan?

• What would the final price include? (Landscaping, appliances, etc.)

• How long will it take for my home to be completed?

You should also use the interview to explain to the builder what type of job you want done. A reliable builder will listen carefully to what you have to say and then provide a realistic plan that fits your needs. A builder who does all the talking might be an indication of someone who won’t pay attention to your requirements further down the line.

When you have completed all the interviews, it is time to compare the builders’ answers, consider your opinion about each of them and follow up on their information. So many people ask builders for references but don’t bother to actually check them. It is vital to not

40

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FEBRUARY 2015

only speak to the people who have worked with the builders on your list but to also have a look at their homes. There is no need to be shy in asking to enter people’s homes. Most homeowners will be happy to recommend a job well done. Remember, they have likely been in your situation and if they were unhappy with anything their builder did, they will be glad for an opportunity to get it off their chest.

When you are examining people’s homes, you should check for the quality of construction materials as well as the quality of the workmanship. Take note of cabinetry, tile works and paint jobs. It is a good idea to check the builder’s answers to your interview questions with his references so that you can see if the builder’s estimates were accurate. You should also ask if the builder responded to callbacks in a timely fashion.

It is also important to verify that the builder’s company is legitimate. There are too many so-called builders out there who are eager to take advantage of unsuspecting and naive customers. Unlicensed builders are notorious for skimping on materials to save themselves money while they charge you the standard rate. An estimate which is too good to be true probably is and should be seen as a warning signal. Other red flags include a poorly written contract, a request for a large initial down payment before work begins, lack of appropriate references and a lack of insurance.

Choosing the right builder for your custom home may be a long, and sometimes awkward, process. But building your dream home is in all likelihood going to be the biggest purchase of your lifetime.

So, before signing any contract with a builder, make certain that he has gained your complete trust and confidence. 

Bizness Magazine

052-423-9580 grossman.engineering@gmail.com

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Meuhedet’s Professionals Series:

You recently moved to the Neimi Mall. What does ƚŚĞ ĐŽŵƉůĞdž ŚĂǀĞ ƚŽ ŽīĞƌ͍ Our new location is on the second floor, entrance B. We went from a clinic of 8 rooms to a clinic with 12-13 rooms. The new complex offers the possibility of treating and evaluating more children at our center, including a room large enough to accommodate group therapies and workshops for parents.

An added benefit is having 2-3 general pediatricians on site with whom to discuss cases. This is a huge advantage as their input and involvement is crucial. Also, a clinic for hand braces and therapeutic accessories recently opened on the same floor as us.

ĞdžĐĞƉƟŽŶ ŝƐ ůŝĐĞŶƐĞĚ ĂŶĚ ĐĞƌƟĮĞĚ ďLJ ƚŚĞ ĞƉĂƌƚŵĞŶƚ ŽĨ ,ĞĂůƚŚ ^ĞƌǀŝĐĞƐ ĂŶĚ ƚŚĞ ^ĐŝĞŶƟĮĐ ŽƵŶĐŝů͘ >ĂƐƚ ďƵƚ ŶŽƚ ůĞĂƐƚ ŝƐ ƚŚĞ ƐĞĐƌĞƚĂƌŝĂů ƐƚĂī͕ ǁŚŽ ŚĂǀĞ ƚŚĞ ŚĂƌĚĞƐƚ ũŽď ďLJ ĨĂƌ͘

How does a mother know if her child is in need of, Žƌ ĐŽƵůĚ ďĞŶĞĮƚ ĨƌŽŵ͕ ĂŶLJ ĨŽƌŵ ŽĨ ƚŚĞƌĂƉLJ͍ WĂƌĞŶƚƐ ŽŌĞŶ ƐĞŶƐĞ ŽŶ ƚŚĞŝƌ ŽǁŶ ƚŚĂƚ ƐŽŵĞƚŚŝŶŐ ŝƐ ŶŽƚ ĚĞǀĞůŽƉŝŶŐ ĂƐ ŝƚ ƐŚŽƵůĚ͘ / ƐƚƌŽŶŐůLJ ďĞůŝĞǀĞ ƚŚĂƚ ƉĂƌĞŶƚƐ ŬŶŽǁ ďĞƐƚ ĂŶĚ ƚŚĞŝƌ ŝŶƚƵŝƟŽŶ ŝƐ ĂůŵŽƐƚ ĂůǁĂLJƐ ŽŶ ƚĂƌŐĞƚ͘ ^ŽŵĞƟŵĞƐ ƚŚĞ ŐĂŶĞŶĞƚ Žƌ ƚĞĂĐŚĞƌ ŝƐ ƚŚĞ ĮƌƐƚ ƚŽ ŝĚĞŶƟĨLJ Ă ƉƌŽďůĞŵ͘ /Ŷ these cases it is always worthwhile to discuss it with the child’s pediatrician.

What is your position in the center, and ǁŚĂƚ ĚŽĞƐ ŝƚ ĞŶƚĂŝů͍

Ž LJŽƵ ĮŶĚ ƚŚĞƌĞ ĂƌĞ ĨĂŵŝůŝĞƐ ǁŚŽ ĂƌĞ ŚĞƐŝƚĂŶƚ ǁŚĞŶ ƚŚĞLJ ĐŽŵĞ ĨŽƌ ĂŶ ĞǀĂůƵĂƟŽŶ͍ ,Žǁ ĚŽ LJŽƵ ŐĂŝŶ ƚƌƵƐƚ ĂŶĚ ĐŽŽƉĞƌĂƟŽŶ ĨƌŽŵ ƐƵĐŚ ƉĂƌĞŶƚƐ͍

DLJ ŵŽƐƚ ƐŝŐŶŝĮĐĂŶƚ ƌŽůĞ Ăƚ ƚŚĞ ĐĞŶƚĞƌ ŝƐ ĂƐ ƉŚLJƐŝĐŝĂŶ͘ /Ŷ ƚŚĞ ĐŽŶƚĞdžƚ ŽĨ Ă ƚĞĂŵ ĂƉƉƌŽĂĐŚ͕ / ĞǀĂůƵĂƚĞ ĐŚŝůĚƌĞŶ ǁŚŽ ĂƌĞ ƌĞĨĞƌƌĞĚ ĨŽƌ ǀĂƌŝŽƵƐ ƌĞĂƐŽŶƐ ĂŶĚ ĂƩĞŵƉƚ ƚŽ ƉƌŽǀŝĚĞ ĂŶ ĂĐĐƵƌĂƚĞ diagnosis of the problems. With an accurate diagnosis we ŐĂŝŶ ĚŝƌĞĐƟŽŶ ĂŶĚ ĂƌĞ ƚŚĞŶ ĂďůĞ ƚŽ ƐĞƚ ŐŽĂůƐ ǁŝƚŚ ƚŚĞ ƉĂƌĞŶƚƐ ;ĂŶĚ ƐŽŵĞƟŵĞƐ ƚŚĞ ĐŚŝůĚ Žƌ LJŽƵŶŐ ĂĚƵůƚ ŚŝŵƐĞůĨͿ͕ ďƵŝůĚŝŶŐ Ă treatment plan to enable the child to develop strategies both ƚŽ ĐŽŵƉĞŶƐĂƚĞ ĂŶĚ ƌĞĂůŝnjĞ ƚŚĞŝƌ ŐŽĂůƐ͘ / Ăŵ ĂůƐŽ ƚŚĞ ŵĞĚŝĐĂů ĚŝƌĞĐƚŽƌ ŽĨ ƚŚĞ ĐůŝŶŝĐ͘ / ǁŽƌŬ ǁŝƚŚ ĂŶ ĞdžĐĞƉƟŽŶĂů ƚĞĂŵ ǁŚŽ ŝƐ ĂůǁĂLJƐ ƚƌLJŝŶŐ ƚŽ ŝŶŝƟĂƚĞ ŶĞǁ ƉƌŽũĞĐƚƐ͕ ƐƚĂLJƐ ĐƵƌƌĞŶƚ ǁŝƚŚ ƚŚĞ literature, and constantly learning.

dŚĞƌĞ ĂƌĞ ĨĂŵŝůŝĞƐ ǁŚŽ ĂƌĞ ŚĞƐŝƚĂŶƚ ƚŽ ĐŽŵĞ͕ ĂŶĚ / ƵŶĚĞƌƐƚĂŶĚ ƚŚĞŵ͘ / ǁŽƵůĚ ůŝŬĞ ƚŽ ƵƐĞ ƚŚŝƐ ĨŽƌƵŵ ƚŽ ĞdžƉůĂŝŶ ƚŽ ƉĂƌĞŶƚƐ that children are amazing and their ability to compensate and overcome, learn, and thrive is incredible. Children ĂůǁĂLJƐ ŝŵƉƌŽǀĞ ĂŶĚ ŐƌŽǁ͘ /ƚ ŝƐ ĨĂƌ ǁŽƌƐĞ ƚŽ ůĞƚ Ă ĚŝĸĐƵůƚLJ ŐŽ unaddressed than to confront it and teach our children how to ŵĂŶĂŐĞ͘ /Ŷ ƚŚŽƐĞ ĐĂƐĞƐ ǁŚĞƌĞ ƉĂƌĞŶƚƐ ĂƌĞ ŚĞƐŝƚĂŶƚ Žƌ ƐĐĂƌĞĚ ǁĞ ƚƌLJ ƚŽ ŐŝǀĞ ůĞŐŝƟŵĂĐLJ ƚŽ ƚŚŽƐĞ ĐŽŶĐĞƌŶƐ ĂŶĚ ĞŵŽƟŽŶƐ͕ ďƵƚ most of all we give hope by focusing on the child’s strengths – not what they can’t do but rather what they can do.

ŌĞƌ ŝŶŝƟĂů ĞǀĂůƵĂƟŽŶ͕ ǁŚĞƌĞ ĚŽĞƐ ƚŚĞ ĐŚŝůĚ Which type of children does Hitpatchut ĐŽŶƟŶƵĞ ƚŚĞƌĂƉĞƵƟĐ ƚƌĞĂƚŵĞŶƚƐ͍ ,ĂLJĞůĞĚ ĐĂƚĞƌ ƚŽ͍ Hitpatchut Hayeled serves children in whom there exists a ƋƵĞƐƟŽŶ ŽĨ ĚĞůĂLJĞĚ Žƌ ĂƚLJƉŝĐĂů ĚĞǀĞůŽƉŵĞŶƚ͘ DŽƐƚ ŽĨ ƚŚĞ children referred to us have developmental delays, meaning they are not achieving their developmental milestones within ƚŚĞ ĞdžƉĞĐƚĞĚ ƌĂŶŐĞ ĨŽƌ ƚŚĞŝƌ ƉĂƌƟĐƵůĂƌ ĂŐĞ͘ dŚŝƐ ŝŶĐůƵĚĞƐ ŐĞŶĞƌĂů ĚĞůĂLJƐ ŝŶ Ăůů ĂƌĞĂƐ ŽĨ ĨƵŶĐƟŽŶŝŶŐ ;ƐƵƐƉĞĐƚĞĚ ĐŽŐŶŝƟǀĞ ĚŝƐĂďŝůŝƚLJͿ͕ Žƌ ŝƐŽůĂƚĞĚ ĚĞůĂLJƐ ůŝŬĞ ůĂŶŐƵĂŐĞ ;ĚĞĐƌĞĂƐĞĚ ǀŽĐĂďƵůĂƌLJ͕ ƚƌŽƵďůĞ ĐŽŶŶĞĐƟŶŐ ǁŽƌĚƐ ƚŽŐĞƚŚĞƌ ƚŽ ďƵŝůĚ ƐĞŶƚĞŶĐĞƐ͕ ĐŽŵƉƌĞŚĞŶƐŝŽŶ ŝƐƐƵĞƐͿ Žƌ ŵŽƚŽƌ ƐŬŝůůƐ ;ĐƌĂǁůŝŶŐ͕ ǁĂůŬŝŶŐ͕ ĐƵƫŶŐ͕ ĐŽůŽƌŝŶŐ͕ ďƵŝůĚŝŶŐͿ͘ dŚĞƌĞ ĂƌĞ ƚŚŽƐĞ ĐŚŝůĚƌĞŶ whose development is ‘atypical’. More concretely, we evaluate and follow up on children born prematurely, children who are ďŽƌŶ ǁŝƚŚ ĚŝīĞƌĞŶƚ ŐĞŶĞƟĐ ƐLJŶĚƌŽŵĞƐ͕ ĐŚŝůĚƌĞŶ ƐƵƐƉĞĐƚĞĚ ŽĨ ƐƵīĞƌŝŶŐ ĨƌŽŵ , ͕ ƵƟƐƟĐ ^ƉĞĐƚƌƵŵ ŝƐŽƌĚĞƌ͕ ĐĞƌĞďƌĂů ƉĂůƐLJ͕ and other neurologic problems or diagnoses. Many infants are ƌĞĨĞƌƌĞĚ ĨŽƌ ŵŽƚŽƌ ĚĞůĂLJ͕ ƚŽƌƟĐŽůůŝƐ ĂŶĚ ŝŶĐƌĞĂƐĞĚ Žƌ ĚĞĐƌĞĂƐĞĚ ŵƵƐĐůĞ ƚŽŶĞ͘ ŚŝůĚƌĞŶ ŵĂLJ ďĞ ƌĞĨĞƌƌĞĚ ŝĨ ƚŚĞLJ ĂƌĞ ƐƵīĞƌŝŶŐ ǁŝƚŚ ƐŽĐŝĂůŝnjĂƟŽŶ Žƌ ƐĞůĨ ƌĞŐƵůĂƟŽŶ ĚŝĸĐƵůƟĞƐ ;ƚĞŵƉĞƌ ƚĂŶƚƌƵŵƐ͕ ĚŝƐƉƌŽƉŽƌƟŽŶĂƚĞ ĞŵŽƟŽŶĂů ĂŶĚ ďĞŚĂǀŝŽƌĂů ƌĞĂĐƟŽŶƐͿ͘ tĞ ĂƌĞ ŶŽƚ ĞƋƵŝƉƉĞĚ ƚŽ ĞǀĂůƵĂƚĞ Žƌ ƚƌĞĂƚ ĞŵŽƟŽŶĂů Žƌ ďĞŚĂǀŝŽƌĂů problems, only as they are secondary to a developmental diagnosis. For example, we do not treat enuresis or encopresis, ƐĞůĞĐƟǀĞ ŵƵƟƐŵ Žƌ ĂŶdžŝĞƚLJ ĚŝƐŽƌĚĞƌƐ͘

dŚĞƌĞ ĂƌĞ Ă ŶƵŵďĞƌ ŽĨ ĚŝīĞƌĞŶƚ ĞǀĂůƵĂƟŽŶ ͚ƚƌĂĐŬƐ͛ ƚŚĂƚ Ă ĐŚŝůĚ ŵŝŐŚƚ ĞŶƚĞƌ ĚĞƉĞŶĚŝŶŐ ƵƉŽŶ ƚŚĞ ƌĞĨĞƌƌĂů ŝŶĨŽƌŵĂƟŽŶ͘ ^ŽŵĞƟŵĞƐ ƚŚĞ ĐŚŝůĚ ŝƐ ĞǀĂůƵĂƚĞĚ ďLJ Ă ƐŝŶŐůĞ ƉĂƌĂƉƌŽĨĞƐƐŝŽŶĂů who recommends therapy right away and then the parent ĂƌƌĂŶŐĞƐ Ă ƟŵĞ ĂŶĚ ĚĂLJ ĞŝƚŚĞƌ Ăƚ ŽƵƌ ĐĞŶƚĞƌ Žƌ Ăƚ ŽŶĞ ŽĨ ƚŚĞ centers with whom we have a contract to provide services. /Ĩ ƚŚĞ ĐŚŝůĚ ƌĞƋƵŝƌĞƐ Ă ŵŽƌĞ ĐŽŵƉƌĞŚĞŶƐŝǀĞ ĞǀĂůƵĂƟŽŶ ŝŶ Ă ŶƵŵďĞƌ ŽĨ ĚŝīĞƌĞŶƚ ĚŝƐĐŝƉůŝŶĞƐ Žƌ Ă ŵŽƌĞ ĂĚĂƉƚĞĚ ĞǀĂůƵĂƟŽŶ focusing on certain skills, the process can take longer and the ĞǀĂůƵĂƟŽŶ ĐĂŶ ďĞ ŵƵůƟĚŝƐĐŝƉůŝŶĂƌLJ͘ /Ŷ ƚŚŽƐĞ ĐĂƐĞƐ ǁĞ ĐŽŶǀĞŶĞ Ă ƚĞĂŵ ŵĞĞƟŶŐ ƚŽ ĚŝƐĐƵƐƐ ƚŚĞ ƌĞƐƵůƚƐ͕ ƚƌLJ ƚŽ ĚĞĮŶĞ ƚŚĞ ĐŚŝůĚ͛Ɛ needs and build a treatment plan. For children who are in need ŽĨ ƚƌĞĂƚŵĞŶƚ ŝŶ Ă ŶƵŵďĞƌ ŽĨ ĚŝƐĐŝƉůŝŶĞƐ Žƌ ŝŶ ŶĞĞĚ ŽĨ Ă ƐƉĞĐŝĮĐ ƚŚĞƌĂƉĞƵƟĐ ĂƉƉƌŽĂĐŚ͕ ǁĞ ƚƌLJ ƚŽ ĂƌƌĂŶŐĞ Ă ƉƌŽŐƌĂŵ Ăƚ ŽƵƌ ĐĞŶƚĞƌ ƐŽ ƚŚĂƚ ƚŚĞLJ ĐĂŶ ďĞŶĞĮƚ ĨƌŽŵ ƚŚĞ ĞdžƉĞƌƟƐĞ ŽĨ ƚŚĞ ƐƚĂī and a team approach.

What makes the services of Meuhedet’s Hitpatchut Hayeled stand out from the other health insurances ŝŶ Ğŝƚ ^ŚĞŵĞƐŚ͍

Our goal at Hitpatchut Hayeled is to provide children with ƐƉĞĐŝĂů ŶĞĞĚƐ ĂŶĚ ƚŚĞŝƌ ĨĂŵŝůŝĞƐ͕ ĮƌƐƚ ĂŶĚ ĨŽƌĞŵŽƐƚ͕ Ă ƐĂĨĞ haven and a sense that as a society their child’s needs are our ĐŚŝůĚ͛Ɛ ŶĞĞĚƐ͘ ^ĞĐŽŶĚůLJ͕ ǁĞ ĨĞĞů Ă ĐŽŵŵŝƚŵĞŶƚ ƚŽ ƉƌŽǀŝĚĞ ƚŚĞ tŚŽ ŵĂŬĞƐ ƵƉ LJŽƵƌ ƐƚĂī͍ &ƌŽŵ ǁŚĂƚ ƚLJƉĞƐ ŽĨ most professional services possible, based on current evidence, ƌĞŐĂƌĚŝŶŐ ďŽƚŚ ĞǀĂůƵĂƟŽŶ ĂŶĚ ƚŚĞƌĂƉĞƵƟĐ ĂƉƉƌŽĂĐŚĞƐ ǁŝƚŚ ƚŚĞ ŝŶƐƟƚƵƟŽŶƐ ĚŝĚ ƚŚĞLJ ƌĞĐĞŝǀĞ ƚŚĞŝƌ ƚƌĂŝŶŝŶŐ͍ goal of empowering and enabling our children to integrate into DLJ ƐƚĂī͕ ĂƐ ŵĞŶƟŽŶĞĚ ďĞĨŽƌĞ͕ ŝƐ ŵĂĚĞ ƵƉ ŽĨ ĚĞǀĞůŽƉŵĞŶƚĂů ƐŽĐŝĞƚLJ ĂŶĚ ĂƩĂŝŶ Ă ƐĞŶƐĞ ŽĨ ǁŽƌƚŚ ĂŶĚ ƐŝŐŶŝĮĐĂŶĐĞ ŶŽ ŵĂƩĞƌ psychologists and social workers, most of whom have taken what their challenges are. Our center is unique in our caring courses which enable them to treat both children and their ĂŶĚ ĐŽŵŵŝƚŵĞŶƚ͘ / Ăŵ ƉƌŝǀŝůĞŐĞĚ ƚŽ ǁŽƌŬ ǁŝƚŚ ŵLJ ĐƵƌƌĞŶƚ families, and of course the paramedical professional teams ƐƚĂī͕ ǁŚŽƐĞ ĐŽŵŵŝƚŵĞŶƚ ĂŶĚ ĐŽŶĐĞƌŶ ĨŽƌ ĐŚŝůĚƌĞŶ ǁŝƚŚ ƐƉĞĐŝĂů ŝŶĐůƵĚŝŶŐ KĐĐƵƉĂƟŽŶĂů dŚĞƌĂƉŝƐƚƐ͕ WŚLJƐŝĐĂů dŚĞƌĂƉŝƐƚƐ͕ ĂŶĚ needs and their families is of the highest degree. ^ƉĞĞĐŚ ĂŶĚ >ĂŶŐƵĂŐĞ ƚŚĞƌĂƉŝƐƚƐ͘ KƵƌ ƐƚĂī ŝƐ ĐŽŶƐƚĂŶƚůLJ ƵƉĚĂƟŶŐ ƚŚĞŝƌ ŬŶŽǁůĞĚŐĞ ďĂƐĞ ĂŶĚ ƐŬŝůůƐ͘ ǀĞƌLJŽŶĞ͕ ǁŝƚŚŽƵƚ &Žƌ ŵŽƌĞ ŝŶĨŽƌŵĂƟŽŶ ĂŶĚ ƚŽ ũŽŝŶ DĞƵĐŚĞĚĞƚ contact Tzippy Appel at 052-660-9694

Expert

PA

PA INTIN G

“We can paint walls to look like marble, suede, leather, etc.”

By Nachum Eilberg Reader Questions Do you help clients choose faux finishes and colors?

Submitted by Aliza from Bet Shemesh

First, let’s define faux finishes. Faux means false and is used to describe an imitation of something. For example, we can paint walls to look like marble, suede, leather, etc. We are not putting actual marble on the wall, so in that sense it is false, but the paint will imitate the look of marble.

As far as helping to choose, of course we do. We offer help in several ways. For clients who are unfamiliar with the multiple options available, I meet with them at my supplier’s showroom in Talpiot, Jerusalem. There they can see the many different types of samples of options that are available and get an idea of what they would like in their own home. I also show clients photos of jobs that we have done to give additional ideas. For example, it is possible to add stripes, circles and stencils. All these use regular paint and will make a room really special. For customers that need a lot of help in making decisions, we recommend interior designers who can offer a consultation and give ideas. Finally, if a client has a hard time choosing a color from the samples in the color books we supply, we can actually paint some sample colors on the walls a few days before we begin the work and give the client a chance to decide. Ultimately, the decision is the clients’ as it is their home and they will be the ones living in it. So it should meet their taste and not ours.

Do you hang wallpaper?

We are planning on replacing the doors in our home and would also like to paint the entire apartment. Should we replace the doors first or paint first?

Submitted by Shalom from Jerusalem

It really can go either way. If you have the doors replaced first, any damage caused by us would be repaired as part of our preparation work before painting. If you replace the doors after painting, it is possible that there will be some damage to the paint from removing the old door frames. It is for this reason that we always leave a jar with spare paint clearly labeled by room so that we can come and fix any damage that may have been caused. In addition, we keep records of all colors used, so even if the jar of paint disappears or is insufficient, we can always get more and fix any damage caused as a result of replacing doors or any other damage that needs to be repaired.  Nachum Eilberg of Walls R Us Painting, will be happy to answer any painting related questions. Please submit questions to nachum@wallsruspainting.com He will be happy to respond directly to you and perhaps publish your question in a future issue.

Submitted by Meira from Jerusalem

No, we do not hang wallpaper. Generally, wallpaper is not the best choice for your walls here in Israel. With the type of construction here, wallpaper can easily become water damaged and suffer from problems with condensation and mold. On numerous occasions, we have removed wallpaper to find mold between the paper and the wall.

It is still possible to get the look and feel of wall paper with faux finishes. In fact, I have observed people looking for the seams and feeling the walls thinking they were looking at wallpaper. Faux finishes are usually applied plasters which are a lot easier to repair than replacing and patching wallpaper, if there is damage. Faux finishes come in both smooth and textured finishes.

Although it is common to paint a faux finish in an entire salon or staircase, we also often do a single accent wall in a bedroom to give it a special look.

052-611-9500 www.wallsruspainting.com nachum@wallsruspainting.com

How to Choose the Right Dryer

By Tomer Cohen It’s cold and raining, and the laundry from two days ago is still damp on the clothes rack…the time has come to purchase a dryer! Here are a few tips to help you in your purchase: Size: Dryers are one of the most energy-consuming appliances in your house. Unfortunately, the same is true for all electric models, to the point that there is no energy rating label on any dryer, because all models use roughly the same amount of energy. There are gas powered models on the market which require less energy to run, but they are more costly, and are only practical if your home is set up to accommodate it.

Matching the right dryer to your needs can help you decrease how much energy you use. Know your capacity needs: when determining what size dryer you need, take into consideration both your family size, and the size of your washing machine.

Be sure your drier is the correct size to fit its allocated space, and make sure to take into consideration an outlet for a ventilation hose ( if ventilation is not feasible, you will have to purchase a pricier condenser dryer, which doesn’t need ventilation) .

Functions: A useful function available is the ability to adjust the heat level for different clothing types – not only does this help you protect the durability of your clothing, it saves you energy by eliminating the need of excess heat.

One of the most popular recent developments in dryer technology has been the addition of steam cycles which can effectively remove wrinkles from clothing, reducing the need to iron.

This feature additionally allows for cleaning/ freshening up items such as pillows that cannot go in washing machines.

In our digital age, more models are being manufactured with a digital display. Although it may make your dryer look more modern, they rarely offer any additional functionality to match the additional cost. In addition, the upkeep may be higher as the digital functions are more likely to malfunction that their manual counterparts.

We will be happy to guide you further in choosing the right dryer for you!

Chashmal 1/2 Chinam is an electric appliance store located on 9 Yitzchak Rabin St., Bet Shemesh Tel. 02-999-7193 

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Expert

HP

Holistic Psychotherapy

How to Choose a Therapist Suitable for You

By Minda Garr, MSW

F

or many years I served as the academic advisor at The Hebrew University School of Social Work in Jerusalem, in addition to teaching student courses on the basics of therapy. As one who frequently counseled students on a variety of issues, I often found myself using some of the skills of a therapist – listening, giving support, problem solving, giving guidance or addressing short-term needs. At the same time, I often gave suggestions to students in need of therapy on how to find a therapist who could best meet their needs.

One of the joys of my job was the opportunity to work with students from a diversified cultural background – Jewish students on the continuum of secular, traditional, national religious, haredi, hozrim b’tshevua, hozrim b’sheaila, and Arab students, both Christian and Moslem, ranging from secular to extremely devout. My experience over the years of contact with a broad spectrum of adults reinforced what I knew theoretically – people are people and needs are needs.

We cannot find an appropriate therapist - or be an outstanding therapist – if we try and categorize people into socially acceptable stereotypes. We are each different and connect differently to the communities that give us our definition but we are all the same in our needs as people. We all love, grieve, hurt and experience joy in reaction to our life circumstances.

One of the questions that some people struggle with is: “Do I want to find a therapist whose lifestyle and outlook is like mine?”

When we look for a marriage partner, we often choose to marry someone who comes from a similar background. When we look for a community to settle in, we often seek out a neighborhood with people with shared interests and lifestyle and appropriate community institutions. If we are looking to choose a Rav, most of us will look for someone who best reflects our values and who can give us appropriate halachic guidance.

However, when looking for a therapist, we need to ask different questions: • What is the therapist’s professional background, training and practical experience? Has he/she ever worked in frameworks which provided supervision? What is his/her level of competency?

• Will the therapist honor and respect my confidentiality and be able to keep what I share between us? When seeing a therapist, we often share things that we would not be comfortable sharing with other people or in other settings. Does this therapist inspire in me a sense of trust and safety?

• Does the therapist seem like someone who will be able to hear

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what I have to say without becoming uncomfortable? Will I be able to talk freely, confident that I won’t be judged for whatever I say?

• Is the therapist someone who will know how to listen, without telling me what I “ought” to be doing or expecting me to make the choices that he/she might make?

• Will the therapist be able to focus exclusively on my needs? Will the therapist be able to see me without the filtering lens of his/her own belief system, understanding who I am and what I need?

• Is the therapist someone who will be able to hear and allow me to freely express the conflicts I am feeling, within myself, within my family, within my community, or whatever, without feeling the need to get me “back on the path”?

When choosing a therapist, choose wisely. Choose someone who has experience with the type of issue with which you want help. Choose someone who inspires confidence in you. Choose someone who is professional, has integrity, is open, accepting, caring, non-judgmental and supportive. Choose a therapist who knows when he/she can be of help to you and when it’s best to refer you to someone else.

Trust your intuition when choosing a therapist. If the first meeting doesn’t “feel” right to you, trust your instincts and keep on looking.

Not every therapist is right for every client. We are all unique and different people. What works for one person may not work for another.

In choosing a therapist, look for someone who you believe can give you the best professional support possible to facilitate the healing that you want to bring into your life. 

Bizness Magazine

052-614-6932 wellnessisraelhealing@gmail.com www.wellnessisrael.wordpress.com

02 999 3939

Dr. Avrohom Levy MB ChB BSc MNIMH

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Expert

LC

LI FE CO A CH

Enjoying a Stress-Free Pesach

By Helen Abelesz

P

esach is approaching fast and for some of us the thought of it can bring on a panic attack! For some, being exhausted and stressed is part of the Pesach ritual - but it doesn’t have to be. It is possible for you to do it differently this year!

That is how Shoshanna* always felt. She was making Pesach for the second time and last year had been a total disaster. She had spent the whole week before Pesach shouting at her kids -- after all, she was constantly cleaning and they were constantly making a mess. She was putting toys into cupboards and they were leaving them on the floor. And they always seemed to be hungry!

Shoshanna was sure that she had made it perfectly clear that food could only be eaten in the balcony but cookie crumbs were everywhere. She even found chocolate wrappers in their bedrooms. Pesach cleaning became synonymous with shouting at her children.

What was worse was that her parents-in-law were joining them for the whole of Yom Tov. Her mother-in-law tended to be critical and liked everything to be neat and tidy.

Things all came to a head when her three-year old took his cheerios into the already clean playroom and spilled them everywhere. Shoshanna totally lost it with him. He was so upset by her reaction that he took a really long time to calm down.

By the time that the Seder night came, Shoshanna was exhausted, stressed and a bundle of nerves. She couldn’t keep her eyes open.

It was her worst Seder ever and she felt so bad that she had taken out all her stress on her children. Her mother-in-law kept making comments and her husband couldn’t understand why she was so stressed. She promised herself that this year she would do it differently. She didn’t know where to begin so she gave me a call.

We started out working on what Shoshanna wanted and what 48

•

FEBRUARY 2015

her priorities were for Pesach. We made the important distinction between spring-cleaning and Pesach-cleaning. We examined the different options that were available for child care in the run up to Pesach and then we made a plan of action. Additionally, we also worked on some techniques and calming exercises which are useful for all times of the year.

Shoshanna slowly found that her attitude was changing and that she could approach Pesach with a much more positive frame of mind. She still had her moments of stress but it was a vast improvement on the previous year. Her marker of success was that she was able to sit at the Seder. Although she was tired, she managed to participate with a smile.

If you, like Shoshanna, are dreading preparing for Pesach, give me a call to work through your anxiety and learn some valuable tools to use all year round.  *Not her real name and all identifying features have been changed.

Register for my pre-Pesach Workshop and learn how to sit at the Seder without falling asleep and feeling stressed out!

You will also be given practical tips for preparing for Pesach and making it manageable, and proven techniques for staying calm. You will come out with a positive attitude toward Pesach cleaning!

There will be two workshops – one in Rechavia, Jerusalem (March 9: 9.30 a.m.-11.30 a.m) and one in Ramat Bet Shemesh (March 10: 9.30 am – 11.30 am).

Bizness Magazine

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Life Coach Helen Abelesz Helen is a life coach who specializes in working with women who are feeling overwhelmed, lack self confidence, dealing with stress or are not achieving their potential. (02) 992 0263 | 054 482 9815 | helenabelesz@gmail.com Weight Loss Dr. Bo’s Team Dr. Bo Rosenblat is a nationally recognized, board certified physician with more than 15 years of experience 077-228-5877 | details@drbosdiet.com | www.drbosdiet.com Furniture Restoration Restorno Nati Journo and Yona Triestman both have strong backgrounds in furniture restoration.

They offer a 25-year guarantee!

02-650-8777 | nati.restorno@gmail.com Personal Financial Planning Richard Gussow Richard has been involved with the financial services industry both in Israel and globally for over 30 years (08) 970-7627 | 052-806-6690 | richard@richardgussow.com | www.richardgussow.com Painting Nachum Eilberg Walls R Us began in Jerusalem in 1985 and has a strong reputation for its amazing customer service and immaculate cleanliness. nachum@wallsruspainting.com | 052-611-9500 Mortgage Moshe Wilshinsky A 27-year veteran in the mortgage industry, Moshe is the CEO of Moville Mortgage and Finance LTD. Call 073 796 2226 and press their special 711 Bizness Extension. questions@movillefinance.com | www.movillefinance.com Anxiety Disorders Rachel Factor LCSW Rachel had a large private practice in Monsey, NY before making Aliyah in 2009.

Her expertise is providing relief from OCD and anxiety disorders for adults, children and adolescents 052-713-4130 | rachel@ocdsolutions.com | Skype: Rachel-Factor Tax Advisor Sima Wolpin Sima is well versed on all the intricacies of the Israeli tax system. She gives prompt, thorough service in the language you understand 052-763-2408 | sima.taxadv@gmail.com Air Conditioning and Heating Tzvi Lefkowitz Handyman Tzvi is a licensed Electra technician who provides care and maintenance service and sales for all major brands 054-498-5298 | www.HandymanTzvi.com

Carpentry Yossi Golano Yossi specializes in high-end custom made furniture, producing exquisite work.

052-704-2800 | yossidesigns.blogspot.co.il | yossidesigns@gmail.com Insurance Egert-Cohen Egert-Cohen is a Jerusalem-based brokerage specializing in helping Englishspeaking Olim with all insurance needs.

Shimon Cohen 050-548-2192 or Yona Egert at 050-536-3897 | www.egertcohen.co.il Real Estate Yossi Lipsh Yossi Lipsh is one of the most experienced realtors in Bet Shemesh. They specialize in buying, selling and managing properties in Ramat Bet Shemesh (02) 999-4466 | 052-396-0551 |info@yossilipshrealty.com | www.rbs-realty.com | Facebook: RBS-Realty Website Design & Development Meir Amber Meir is the CEO of Group7. They specialize in designing and developing functional and beautiful websites and mobile applications (02)625-1007 | request@group7designs.com | www.group7designs.com Wig Styling AG Wigs Ayala Greenbaum and Yaniv Cohen are the founders of AG Wigs. They sell high-end wigs in Europe, the USA and Israel. They are located at the Leonardo Plaza Hotel in Jerusalem (formerly Sheraton) 052-654-3500 Holistic Psychotherapy Minda Garr Minda combines all her experience in her work as holistic Psychotherapist. Minda addresses the physical, spiritual, Mental and emotional facets of her clients 052614-6932 | wellnessisraelhealing@gmail.com | www.wellnessisrael.wordpress.com

Construction Management Yaakov Prince An experienced construction manager, Yaakov makes sure any project runs smoothly. From small residential jobs to luxurious 5 star hotels 02 535 5732 | 052 698 3534 | Yaakov@princecm.com | www.princecm.com Narrative Therapy Karen Wolfers-Rapaport Karen Wolfers-Rapaport is a psychotherapist specializing in Narrative Therapy. She works with her clients in overcoming issues they may have with their innate tools 050-990-6368 | karenwrapaport1@gmail.com Dental Care Rechavia Dental Center The Rechavia Dental Center staff is comprised of three highly qualified American-trained specialists, dental hygienists and dental assistants. 15 Ibn Gevirol Street, Jerusalem | (02) 561-9770 | (02) 561-9780 Home & Office Networks Daniel Zahavi-Asa 25 years of experience in programming, networks and communications for multinationals, start-ups and small offices.

053.726.5175 | daniel@zahavinet.com | www.zahavinet.com Antique Dealer Moshe Orman Moshe buys and sells items of value. That includes gold and silver pieces, watches, antiques and more. 054-837-3874 | notjustanyyear@yahoo.com Emergency First Response Hatzlah Beit Shemesh Hatzalah Beit Shemesh’s team has been serving the Community for over 10 years.

They provide emergency medical response and ambulance services. Emergency line: 02-999-9992. Office: 02-991-2345 www.hatzalabeitshemesh.org

Building and Construction Netanel Grossman Nati brings creative talent to his construction work. His dual advantage of being Israeli and American attracts many Anglos to his work 052-423-9580 | grossman.engineering@gmail.com Real Estate Law Nicole Levin Nicole is a real estate attorney with 28 years of experience. She has law offices in Bet Shemesh, Jerusalem and Modiin 02-991-5687 | www.levinlawoffices.co.il Budget Counseling David Litke Both Israeli and American trained, David helps families with their monthly budgeting.

He helps Olim take to control of their finances 050-535-1800 | david@budgetsuccess.co.il | www.budgetsuccess.co.il

You can rely on our

24

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