Bizness Magazine June 2014

10 E

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

www.biznessmag.com

Bet Shemesh - Jerusalem Circulation: 21,000 copies

S OW ER T P X CAN CALL N YOU

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

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

Dr. Bo’s Diet Team and advocate Shimon Cohen – A driver Mayim Chayim 8 Water David Drutman join Bizness System – “Toxins are rear ends the back of Magazine’s panel of Experts your car and takes you deactivated and broken up into millions of pieces.” to court!

Meir Amber, CEO Interview with Eva and Maayan of Group 7 – “Our websites will from “Dance with ME” blow your mind away.”

Emanuel Weisgras – From Manhattan DA prosecutor to Top Legal Translator

Mel Schreiber – Israeli banks must now tell the IRS about your account Dr. Zimberg – We measure your feet for orthotics while in motion Carmel – Discover a magical world of carpets Shalom Succot – Finding a trustworthy kablan

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“«

contents JUNE 2014

MAIN FEATURE

26 Interview with Tzvi Lefkowitz DEPARTMENTS 08 For Sale: By Owner vs By Realtor - Part 2 10 Insurance and the Law 12 From Emergency Medical Technician to New York City

Police Officer to Prosecutor in the Manhattan DA Office to Top Legal Translator 14 Comparing Yourself to Others 16 How to get a Mortgage “Fit� for You 18 We welcome David Drutman to

because

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

Egert & Cohen. Always by your side.

General Inquiries info@biznessmag.com ADVERTISING

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our team of experts!

20 Bizness Magazine welcomes Dr. Bo Rosenblat and his team of nutritionists, dieticians and counselors to our panel of experts 44 Smiling from Bet Shemesh to Jerusalem with Smile Talk

FEATURES 22 Strauss Campus: The Largest Haredi Institution for Academic Studies 24 Come Dance with ME! 28 Finding a trustworthy builder 30 Interview with Ruthy, Manager of Stylish 32 Out-of-the-Box Orthotics (Midrasim) 34 FATCA: New Reporting Requirements affecting Personal Holdings Outside of the U.S. for all U.S. Citizens 36 New! Unique Lighting from Sweden to Jerusalem 37 The Best Drinking Water 38 Carmel - A Magical World of Carpets 40 Get Empowered 42 Chaiyanu Wishes Uriel Smooth Sailing Ahead 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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Letter from the Editor Dear Readers, Expectation is perhaps the most dangerous element in the process of building a new business.

Entrepreneurs are positive people by nature. They live in a world of possibilities and naturally reject thoughts associated with failure or delayed reward for their efforts. Although a positive attitude is what allows them to venture into the unknown and take significant risks, entrepreneurs must be prepared emotionally and financially for the unexpected. Seasoned entrepreneurs know to expect the unexpected in order to be fully prepared for all outcomes.

During my many years of experience working and consulting for small business owners, I have witnessed how people feel immediately before and after launching their businesses. Most small business owners become very concerned about the viability of their ventures when early results are way below what was expected. The reason many new businesses fail is because owners go through an emotional “rollercoaster” that they do not understand how to deal with.

The following is an emotional chart showing the highs and lows entrepreneurs go through during the early stages of their business: 1. In the beginning you can hardly contain your excitement for the new opportunity.

2. All set to conquer the world, you are crushed when you are repeatedly rejected.

3. You see your competitor succeeding and it gives you the motivation to go out and you make your first sale.

4. Your friends and family tell you they have no use for any of your products.

5. Your first client refers you to a friend.

6. A sale falls through.

7. You learn how to sell and start bringing in sales.

8. One of your clients cancels his contract.

The crucial characteristic of this chart is that, over time, the highs are not so high and the lows are not so low. After a while, you adjust and they level off. As a result, securing five new contracts or blowing a sure thing is all part of a day’s work. Yes, you should always motivate yourself to reach higher but you will also train yourself not to feel depressed when things do not go the way you had planned or hoped. Your goal is to become a “steady Eddie.”

Your toughest challenge will be your initial swings. In fact, most people who quit do so after the early falls.

Now that you know what to expect, your task is to identify what stage of the curve you currently are in. In this way, you can deal with the swings knowing that these emotional valleys are proof that you are on the correct path to success.

Remember, the only thing you need to go from a valley to a peak is just one sale.

Have a safe and productive summer!

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

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

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JUNE 2014

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Real Estate

By Owner

F o r S ale :

By Realtor

PART

2

I

By Yossi Lipsh

n the last issue we spoke about the importance of using a realtor when selling your home. In regard to the pricing, you’ll get more $$ for your property when using a realtor. In negotiations, you’ll avoid playing mind-games with the buyer by having the realtor looking out for your needs.

In this issue we’ll cover the other advantages of signing an exclusive with a realtor.

Quality of Life As a seller, you may be one of two types: 1. You live overseas or travel a lot and therefore cannot show the property yourself.

2. You live here but are occupied with your everyday life and busy work schedule.

If you are one of the above and trying an FSBO (for sale by owner), you may notice how complicated it gets trying to juggle your now two full-time jobs.

Selling a home IS a full time job. You will see that receiving many phone calls from potential buyers (you may have to hire a secretary), and making yourself available to show your property at all hours of the day, is an impossible responsibility for someone who is not 100% available to do so.

Once you start advertising, the calls may be coming in at a rapid pace.

In addition to private people coming in and out of your home, you will also be dealing with many realtors who will be trying to bring unfitting prospects, just in the hope of closing a deal.

When you hire a realtor to sell your home, he is THERE for you.

Since this is his only job, (I hope…), he can invest as much time as needed to receive the phone calls for you, sift through the calls and see who is serious and who is wasting your time.

• Does the buyer have a budget?

(This is a question that may be awkward for you to ask.)

• Does he need to sell his own home first?

• Is he approved for a mortgage or not?

Your realtor is working 24/7 for you. He should be able to identify the truly serious buyers and help move the deal forward. If you are not present or available to show the property, you can leave your key with the realtor who can do that for you.

He can most probably show your home to no more than two or

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

three buyers before closing the deal. The advantage of doing so is tremendous. No lingering on the market (causing your sale price to drop, as we wrote about in the previous article), and not having your home turned into a museum or worse — a shuk where anyone who wants to take a peek can enter.

Security Another important point when trying to sell FSBO, is the sense of security and personal safety you may be risking.

As an FSBO seller you have no way of knowing the random people who may be calling to see your home. (At times this means viewers who aren’t there to buy your home at all…)

You are allowing a stranger into your home not knowing anything about him and what his true intentions are. A realtor acts as a gobetween who can sense when a person is not there for the right reasons. He can allow a buyer to see your home only after finding out his background and being on high alert when showing him your home.

Imagine having aches and pains in your ankles.

Your family doctor will surely refer you to a specialist who has specific expertise in the field (orthopedist).

Just as any doctor knows that you need to see someone who has the most knowledge in that specific field to get the best care, the same principle applies in the real estate business. You are making one of the biggest transactions of your life. Most sellers are not involved and knowledgeable in the real estate market. Having someone who knows all the ins and outs and who is constantly updated on the new laws, taxes and property value, is an advantage you cannot afford to skimp on.

When you hire a realtor who has experience and expertise, you will be saving a great deal of money and time while having quality of life and a sense of security.

It will be the best investment you’ll ever make!

Don’t hesitate to call Yossi Lipsh and get his complete marketing plan for YOUR home!

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

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Insurance

Insurance and the

By Shimon Cohen

H

ere are a few day-to-day examples where your insurance policy also doubles as a legal tool!

Legal Defense in Motor Claims: If you cause damage to a person or property and are sued by either an individual or under the traffic laws, you have a legal defense within the standard motor policy. What happens is that the insurance company’s lawyers usually take over the case in full, thus saving you both the cost and hassle of a private law suit. You also have the option of using your own lawyer and getting a refund. The amount for such a legal defense ranges from NIS 12,000 to NIS 15,000.

Third Party Claims: If you are sued under the Third Party section of either your homeowners’ or business policy, company lawyers are required to defend you. This is important as legal fees can often be much higher than the claim itself!

Small Claims Court: Imagine this scenario.

You are waiting patiently for the traffic light to change when someone preoccupied with his cell phone conversation rear ends the back of your car. You argue that he is at fault but he claims that you actually reversed into him! Since he obviously refuses to accept responsibility, his company will probably do likewise. This is a case for small claims court.

In order to sue in small claims court, you must fill out a form or file on-line, pay a small registration fee and await your day in court. (At the moment, the waiting period in Jerusalem is about three months.) Both parties appear to state their cases in their language of choice and bring witnesses. There are no attorneys present. After ten minutes of debate, the judge hands down his verdict. This court is good for any monetary claims up to NIS 33,800. Apart from all else, it’s a fascinating insight into the Israeli justice system.

(Regarding the option of choosing a Bet Din, ask your local Rabbi. If you are also planning on suing an insurance company, at present they do not accept the jurisdiction of a Bet Din.)

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JUNE 2014

Law

Good Intentions Mrs. F. took out a life insurance policy in 1995. Three years later, Mrs. F. underwent a mammography. On the day of the test, her husband contacted their insurance agent and requested to add on coverage for “serious diseases” including cover for cancer. On the application form the husband wrote that there had been no change in his wife’s medical condition. The endorsement was added onto the policy.

Eight months passed. Mrs. F. underwent a further test and was diagnosed with a definite case of breast cancer.

The insurance company refused the claim and the case went to court. The judge ruled that a policy that had been issued on the basis of false information and therefore was in fact no policy. The relevant questions on the application form were: “Do you have any malignant growths?” The husband answered in the negative. The second question was whether or not any tests had been recently undertaken and this answer was left blank.

Despite the fact that at the time of the endorsement application there was no proof yet of cancer, the fact that Mrs. F. had gone in for testing was vital information which was withheld from the insurance company. If they had been aware of this, they would not have issued the endorsement.

Moral: Good intentions do not override the truth!

Insurance Tip In this tip we will reveal some “small print” hidden snags in some of the most common insurance policies.

True or False? Anyone who has an international VISA or Master-Card has automatic free travel insurance with the regular coverage.

False. This only applies if you are an Israeli citizen. (Tourists who have such a card are not covered.) Another “slight” difference between the “freebie” policy and the standard policy is that in the former, the payout is limited to a daily ceiling rate (approx. $3,300 per day) whereas a standard policy has a global figure (usually $1,250,000). This can be extremely important when, for example, a day in the hospital, including lab tests, blood tests, etc., can often soar to the tens of thousands of dollars, especially in the U.S.A. True or False? I have a mortgage which covers insurance for the building/apartment.

This is sufficient insurance coverage.

True. You are covered for fire, water and earthquake damage. But, there is one item that is not included and that is Third Party Liability. This means that if a pipe bursts in your house and causes damage to your neighbor or should a visitor fall and sue you or should your dog bite a child, etc., you have no liability coverage. (Such coverage is always included in a private policy.)

True or False? When I originally took out my life insurance policy, I noted the beneficiaries of the policy and of my will. Since then, my situation has changed and I have changed my will. This change obviously relates to my life policy as well.

False. Insurance companies will only pay out to the beneficiaries stated in the policy.

Therefore, as with a will, this should be changed Egert and Cohen Insurance as one’s situation changes.  02-623-2546

Bizness Magazine

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02-625-1007 request@group7designs.com www.group7designs.com Making Complicated, Not Complicated.

For those of you who have not seen our website's “About” page, one may say it is a bit un-traditional. Instead of going ahead and speaking about my company and the team like other traditional websites do, I went ahead and took a different approach.

The Process of Building a Website Many may think it is a very complicated process; and yes, indeed it is. But at Group 7, we make it less complicated. We strive to make the process of building a website as simple as possible for the client. Because we are the ones you are paying. Therefore, the workload and manpower involved should be burdened upon us.

The first step is meeting and getting to know you. As CEO and Founder, I meet with every client. I do not send out a representative. Furthermore, before a project can begin, I need to know all about your company - it's goals, mission, etc. Once I get that information, the evolution of a beautiful and functional website will begin.

One that is even easy to navigate to those not so tech-savvy.

After meeting, I then go back to my conference room and have a consult with my Senior Project Manager and brief him on the project. We then strategize about the project and create a Fast-Tracking System to deliver the Website as quickly as possible, and of course - without compromising quality. Next, my Project Manager then instructs and allocates all necessary tasks to the Design and Development Team.

The designers and developers work hand- in- hand together to achieve your next best investment. The first step is to achieve a design that is not only functional, but also pleasing to our client and our clients’ customers' eyes. We then generally go ahead with fast-tracking the design and coding together. Throughout this phase, we also optimize the website on a front-end platform that enables the website to be compatible (or better known in the industry as “responsive”) on mobile devices such as smartphones and tablets.

Once the website is complete, diagnosis and testing are then performed. Then, I will personally step in to make sure that the project's perfection is achieved. Our company's mission is to only provide you with the most optimal and responsive product you deserve. Once the polishing is complete, we deliver the site to you and invite you to provide any changes you would like the team to implement.

Once this is done, we cut the ribbon. Blow your mind away. You receive a whole new realm of great opportunities. Opportunities to grow, prosper and achieve the unachievable.

Building your Website – Building your Success,

Meir Amber CEO & Founder of Group 7

Thank you Meir and the Group 7 team for building our fabulous website! It was so refreshing to work with people who actually listen and who care about their customers. Your service was incredibly efficient and your integrity something most businesses should aspire to achieve.

- milijerusalem.com

Meir and his team have just finished building our website. We had a great experience with Meir. He was professional, efficient and patient throughout the process, and understood what we wanted from the outset. We are extremely happy with the end result and will happily recommend Meir to others.

- acplumbing.co.il

Web Design Web Development App Development

Legal

From Emergency Medical Technician to New York City Police Officer to Prosecutor in the Manhattan DA Office to Top Legal Translator Interview with Emanuel Weisgras, Owner of Weisgras and Co., Legal Translation and Consulting

Emanuel, what’s your formal education and law-related credentials?

I have a B.A. in Judaic History from NYU and a J.D. from the Benjamin N. Cardozo School of Law (YU) in New York City. I was first admitted to practice law in 2006 and am a member of the bars of New York, New Jersey and Israel.

What motivated you to become a lawyer?

Ha! We all make mistakes in life, don’t we? In all seriousness, I had two prior careers. I was previously an emergency medical technician (EMT) and a New York City police officer.

I developed an affinity at both of these jobs for law as well as advocacy. Law seemed like the logical continuation.

What type of work have you done over the course of your legal career?

I started my legal career as a prosecutor in the Manhattan District Attorney’s Office. While there, I spearheaded a specialized enforcement program dealing with trademark counterfeit goods (anywhere from purses to counterfeit medications and auto parts). Afterwards, I worked on U.S. immigration and U.S. citizen issues, assisted olim with Israel’s bureaucracy and more.

How did you get into the field of legal translations?

While doing my sta’aj in order to get my Israeli law license, I worked at a large law firm in Tel Aviv where we sent a lot of material for outside translation. Many of these providers charged very high rates and I often found myself correcting the translations. Having tried to do some of them myself, I discovered that I had the ability to translate the same material very quickly and extremely well. Several of the attorneys encouraged me to establish my own translation company after completing my sta’aj and that’s exactly what I did.

Do you have any relevant professional affiliations?

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JUNE 2014

Yes, we are a member of the Israel Translators Association.

Tell us about your firm and team.

Weisgras and Co. is staffed by my wife Naama (the boss) and myself. Beyond that, our team consists of several experienced translators working in their native language(s) and fields of expertise (such as attorneys, financiers, medical professionals, etc). Everyone is vetted and tested prior to joining the team.

In what type of work do you specialize?

We specialize in documents of a legal and business/financial nature as well as medical, educational and even prosaic translations. We have handled everything from translations of complex legal documents, medical records, financial reports and corporate documents, such as prospectuses, to educational materials, birth certificates, etc.

We also have working arrangements with several notaries when a notarized translation is required. In these cases, our clients often end up paying only for the notarization.

What languages do you translate to and/or from?

With enough warning, we can usually find an appropriate translator for any language pair. Typically, we work with combinations of English, Hebrew, Spanish, French and Arabic.

What are the most critical aspects of your work?

Quality and Accuracy. Anybody can plug a sentence into a machine translation program and get a (usually very bad) translation. What’s critical to us is providing our client with the best quality and most accurate translation possible based on the original document.

Who is your typical client?

We don’t have a typical client per se. Our clients run the gamut from large institutional clients such as Goldfarb Seligman and Co. Law Offices, Google Israel, Hot Communications Networks, etc., to educational institutions such as the Darca Schools Network, to private individuals. The one thing they all have in common is they need something translated, and translated well.

How are your services priced?

Our prices are typically based on the nature/complexity of the document, the language pair and the total word count in the document, as well as the urgency with which the document is needed. We offer discounts for regular clients and, under special circumstances, as the need arises. Each document receives its own individual price quote and expected time frame for completion.

Do you service a particular geographic area?

Yes. Because most of our work and client communications are done via the internet, we are limited strictly to planet Earth. Our communications network is currently unable to provide services beyond the borders of the planet…

How can people learn more about Weisgras and Co? Anyone wishing to know more is invited to visit our web page at www.weisgraslaw.com e-mail us at info@weisgraslaw.com or call us at 077-955-5083. Of course, when contacting us, let us know you read about us in Bizness!



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Life Coach

Comparing Yourself to Others

By Helen Abelesz

Y

ael*, is a mother of three small children. Before we worked together, she was regularly comparing herself to those around her. Her neighbor had six kids and yet she never shouted at them. Another neighbor was always happily baking with her children, even though she had four children and was heavily pregnant with her fifth. Their houses were always immaculate and their children smiling and well-behaved.

Yael saw them and felt that she was failing at everything. “Why can’t I cope with my three children and keep my house in order? Why can’t I do fun daily activities with my children? Am I holding up my children’s growth by not baking with them?

Why can’t I cope?”

She was overwhelmed with the laundry, the toys, the mess, the cooking and getting the children into a good routine. She wanted to do what was best for her children but she couldn’t cope.

She knew she needed to make changes, so she gave me a call.

When I first met her, Yael couldn’t think of anything that she was successful at. Everything was just so overwhelming! After she had calmed down, we began to examine her routine. We worked to help her to find one or two things that were working in her life. She found them. Her children were good eaters and even though dinner was sometimes at 5 p.m. and sometimes at 7.30 p.m., they always ate something reasonably healthy every night. She also told me that although her kids never helped to tidy their toys, they were good at playing for a long time in the afternoon by themselves.

Over the next few weeks, we set tasks for Yael.

14

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JUNE 2014

Bizness Magazine

She needed to notice the things that were working in her life and write them down at the end of each day. She was quite surprised that there was something to write about every day. Very slowly, Yael began to realize that her focus was shifting to what was working in her life from what wasn’t.

Our next challenge was to work on a routine for herself and her children. This took time and often required tweaking the schedule to fit in all the things that came up such as birthdays, one child feeling sick and overseas visitors. While it was important for her to be consistent with the new routine, Yael also learned how to be flexible with it.

She didn’t want to go back to the awful feelings of being overwhelmed but stressing at an inflexible routine was also unhealthy. So we did exercises to help her relax and deal with the inevitable interruptions.

Once Yael had established her consistent but flexible routine and was making her notes every night, more and more she began to see the strengths that she had and the incredible role-model she was to her children. She began to compare herself less and less to her neighbors.

What Yael began to understand was that everyone has areas in their lives which they find easy and everyone has challenges. We shouldn’t compare ourselves to others because we are all unique. We just need to work on our challenges and to try and be the best person we can be.

Yael told me that once she had started to look inside herself and work on her challenges, she no longer looked so much at how other people were faring.

If you, like Yael, feel overwhelmed and are finding it hard to cope, please call me Helen Abelesz, Life Coach at: 054-482-9815, for a free first consultation to see how you too can learn to deal more effectively with life’s challenges. You can also reach me by e-mail at: helenabelesz@gmail.com  *not her real name and all identifying details have been changed.

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Mortgage

How to get a Mortgage

Fit for You

Adjusting to MADAD Or MADAD inflated my loan

By Moshe Wilshinsky

PART Three

W

hen discussing mortgages or any loan in Israel, inevitably the subject of a madad-linked loan or tzamud l’madad comes up. Readers of Bizness magazine know it is not my favorite type of loan (although there are times when it is appropriate to use), but I feel that the time has come to explain what it is and how it works. Madad is short for the official index. In English it is known as the Consumer Price Index or CPI, which is one of the ways to measure Inflation.

Simply put, your monthly mortgage payment and the amount you need to pay off your mortgages outstanding balance, is based on calculations determined by the loan agreement you signed with the bank. That loan agreement sets the terms of how and when the money you borrowed needs to be repaid. Included in these terms is the interest rate (or how it is calculated) as well as additional charges. These can be fees which have set amounts and sometimes, as in our case of a tzamud l’madad loan, there is a charge that looks a lot like interest.

In Israel although the published inflation rate (or CPI) is expressed as a percentage similar to the interest rate, on a mortgage it is treated like a fee or a charge on the loan rather than an additional interest charge. Many years ago in the US, mortgage could be advertised and quoted to borrower as an Interest rate with an additional charge called “discount points.” For example, the lender would offer a borrower a mortgage of $10,000 (shows how long ago I am referring to) at a 5% annual interest rate for five years with five discount points (one discount point equaled 1% of the amount borrowed). When the borrower received the loan, instead of receiving the full $10,000, he only received $9,500. The missing $500 was the 5% discounted (deducted) up front or Finance Charge. While the loan was advertised as having an annual interest rate of 5%, over the course of the loan the borrower effectively paid a higher interest rate. If the borrower kept the loan for 5 years the effective interest or actual cost of the loan was approximately 7%.

Far too often what this finance charge really meant in terms of cost of the loan was not explained clearly to borrowers so legislation was introduced (in 1968 and has evolved many times since then) which was called interestingly enough “Truth in Lending.” This law required the lender when quoting an Interest rate for a loan to show the borrower something called an Annual Percentage Rate or APR which is the total cost to the borrower meaning adding the finance 16

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JUNE 2014

charges to interest and showing what that equals as an annual interest rate. Before the Truth In Lending law, the loan mentioned above could be quoted at an interest rate of 5% with five points, after the law they needed to have APR 7.1%” written next to it.

When discussing mortgages, amortization usually refers to the period (how many years it will take you to pay off the principal and interest in full) the principle (the amount you borrowed) is being returned based on that particular payment schedule the amount of the payment is determined by three factors, Interest rate, loan amount and time -- e.g. an annual interest rate on $10,000 @ 5% for 5 years will have a $188.72 monthly payment. Each monthly payment is allocated partially to the interest due that month and the rest was paid to the principal. To illustrate this, see the first three months of payments of the $10,000 loan we have discussed: (A) Month

(B)Payment

(C)Interest

(D)Principal

(E)Balance

1

$188.72

$41.67

$147.05

$9,852.95

2

$188.72

$41.05

$147.67

$9,705.28

3

$188.72

$40.44

$148.28

$9,557.00

Sometimes there are loan agreements where the monthly payment is less then what you owe each month. For example in our loan above if the monthly payment was only $30 instead of the 188.72, this would change all the numbers above. Since $30 it is not enough to pay even the “Interest” due the first month, the interest not paid, but still owed to the bank that month is then added to the balance owed.

This means that the amount in the column E “Balance” increases instead of decreasing. This is referred to as a negatively amortized loan i.e. instead of the principle balance decreasing it increases.

Dear Reader (if you are still awake), although this is tedious and your eyes are rolling (assuming they are still open), please understand that I left out so many details that the financial professionals reading this are rolling their eyes saying why didn’t you mention X. I did not mean this to be a comprehensive lesson. I just wanted to give you a context so that I can explain the following: When you take out a loan linked to the Madad, the effective interest rate is not the one that is quoted in your loan agreement or commitment (ishur ekroni), it is that interest plus additional charges based on the Madad (CPI) linkage. For simplicity sake, let’s say that over the course of a year there was 2% inflation. If your “interest” rate in the loan agreement is 3%, your effective interest (or Nominal) rate would be approximately 5% (a bit more actually). In addition, since the principle is also linked to the CPI, your monthly payment is not enough to pay that off. The result is the negative amortization described above (i.e. that the principle actually increases over the years). So drawing from the points we covered above while my hunch is that the Truth in Lending Regulation in the US would require Madad loans to be explained to a borrower in Nominal Interest as well as the fact that the loans will negatively amortize for many years.

Yes, it is all a bit confusing but just remember that the fixed rate tzamud l’madad mortgage you have here in Israel looks a lot more like a negatively amortized adjustable rate mortgage in US terms.  About the Author Moshe Wilshinsky is the CEO of Moville Mortgage & Finance Ltd. Contact information: Israel: Dial: 073-796-2226 and then press the special 711 Bizness Magazine extension. In the U.S., dial: 201-377-3418; in the U.K., dial 208-596-4501. Website is at: www.movillefinance.com

Bizness Magazine

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Real Estate Legal

Interview with Advocate and Notary David, where are you from?

I am originally from Johannesburg, South Africa. I now live in Ramat Bet Shemesh.

Where did you learn law?

I studied law at the University of the Witwatersrand in Johannesburg where I received a QBE (Qualified By Experience).

What attracted you to this profession?

My father, A”H, was an attorney and I wanted to follow in his footsteps.

How many years have you now been practicing law?

I have been practicing law for 37 years. For the last fifteen of those years, I have been practicing in Israel.

What services does your office provide?

My office is involved in many different types of activities. Here is a listing of the variety of work carried out by my office: Property sales and purchases, leases, wills, estates and probate, buying and selling of businesses, contracts of all kinds, commercial matters and notarial work including certified translations. I also have a referral network for other matters.

What type of work do you do the most?

The most popular activities are the ones that deal with the sale and purchase of real estate plus leases. I also find myself writing a lot of wills.

Why are you known as an “out of the box” thinker?

I guess that the reason for this is that I was taught that every problem had a solution and that one should not give up until a solution was found. My studying Talmud has also taught me that every solution may have a better solution!

Give us an example of a case that shows the importance of having an experienced and savvy lawyer.

An experienced and savvy lawyer can anticipate potential problems and take the steps necessary to avoid them. This is just one of the many aspects that I offer that gives my clients peace of mind.

As an example, I will tell you about one case that I had. One day a client came to me because his purchase was about to collapse. The title company had closed and had started to move files to the land registry but the mortgage bank would not make a payment until this was 18

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JUNE 2014

David Drutman

completed. Unfortunately, this move took ages despite the fact that the title company was insisting that it was all ready for moving the file to the land registry. Apparently this wait was due in part to the Israel Land Authority taking a long time to sign off on the transaction.

Since the title company had claimed said that as far as they were concerned everything was ready to go, I went to the Land Authority to investigate.

This is what I found. The bank that had financed the contractor had sent a release letter but for some reason that letter had not been acceptable to the Land Authority. Since the contractor never replied to the one or two letters that he had received from the Land Authority and no corrected letter had been presented and since the Land Authority does not chase after the people involved in such transactions, no progress had been made.

I did not rush to the bank with arms flying threatening damnation nor did I complain to the Land Authority accusing them of not putting pressure on the bank. Experience teaches that to make life easy for the other side is a much more effective method. Therefore, I asked the Land Authority to give me the unacceptable letter together with a sample letter that would be acceptable by them, preferably from the same bank. The clerk then looked for and found a letter from another branch of the same bank, blacked out the other person’s details and gave this to me. I then approached the bank and told them that the Land Authority would like a letter written in this format instead. I did not forget to say, “Please.” In a short time I was given a new letter which followed the sample that they had been given.

I saw to it that this revised letter was delivered to the Land Authority which then signed off on the papers and the problem was solved.

Who should contact you?

Anyone who wishes to buy or sell property and who want all of the details and processes to be well taken care of! Also anyone who can benefit from the other above-mentioned services.

To set up an appointment with David Drutman, contact him at: Tel: 02-995-1877; Cell: 052-763-5947 or by e-mail at: drutlaw@gmail.com 

Bizness Magazine

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Weight Loss

Bizness Magazine welcomes

Dr. Bo Rosenblat & his team of nutritionists, dieticians and counselors to our panel of experts.

Dear Dr. Bo, I am trying to watch my weight and I am doing really well -- except for the evenings.

I start my day with a large iced coffee, have some carrot sticks or other light snack at 11:00, and am not even hungry for lunch until after 3:00, usually a big salad with tuna or cheese. But my evenings couldn’t be more different than my mornings. I find that I am nibbling and tasting while I feed my kids dinner, snack a bit until my husband comes home and we eat supper together, and then, no matter how hard I try to avoid the pantry, every night I end up going for cookies, chips, or chocolate!

This repeats itself every day and I can’t figure out why I have so much discipline in the mornings, and none at all at night.

Firstly, I applaud your efforts to maintain a healthy weight. Making good food choices throughout the day is one of the most important steps towards a healthier lifestyle.

There are several hormones that play a significant role in our overall weight.

Each one is affected by the increase, decrease or absence of another. Each organ, tissue, muscle and hormone plays its own integral role. If a wrench is thrown into our diet with erratic meal and sleep patterns or stress levels, the entire assembly line may be affected.

Below are some of the major hormones that play an important role in our ability to maintain a healthy weight: Leptin is a hormone that is produced in our fat cells. It plays a central role in appetite suppression and the metabolism of fat. An increase in leptin decreases our appetite and increases metabolic function. This essentially allows us to feel fuller while eating fewer calories and additionally burn those same calories more efficiently. A decrease in the hormone has the inverse effect. It causes us to feel hungrier, slows our metabolism and usually leads to a weight gain.

Unfortunately, leptin levels have been 20

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JUNE 2014

shown to actually decrease as we lose weight, making us feel hungrier and posing a greater challenge to keeping the weight off. Levels of the hormone have also been shown to decrease rapidly after short-term fasting for even 24 hours. If you’ve noticed that you can go a whole day at work without eating a thing or feeling hungry but once you get home and begin eating you are like a bottomless pit and nothing seems to fill you up, Leptin may be to blame.

Ghrelin is considered by many to be a direct counterpart to Leptin. Produced in the stomach and pancreas, it is a hormone that stimulates hunger. Ghrelin levels are higher before a meal and drop drastically after one. The effects of sleep deprivation and disruption have long been researched but the affect that sleep has on appetite is a newer connection. People who suffer from sleep deprivation or disruption have been shown to have higher levels of the hormone. The farther away we are from sleep, the more Ghrelin has built up in our systems. This causes the body to search for alternate sources of energy -- another reason why people are often hungrier in the evening. Ghrelin also activates the mesolimbic cholinergic-dopaminergic

Bizness Magazine

or “reward link” in our brain which communicates the hedonistic pleasures and feelings of rewards, such as food, as well as addictive drugs. This hormone may be the reason why we sometimes reach for an unhealthy snack even though we know it is not good for us.

Cortisol is a steroid hormone produced in the adrenal gland that plays a role in metabolism, insulin release and blood sugar, blood pressure, immunity and inflammation. Considered by many to be the “stress hormone,” cortisol levels rise during periods of stress. Initially, fat is broken down to supply the body with a rapid source of energy. It then has our brain release a corticotropin-releasing hormone which suppresses our appetite and temporarily halts digestion. The increase in cortisol allows our body to activate our stores of carbohydrates and fats for use as a quick energy source.

When the direct stress is over, the adrenaline dissipates while still leaving levels of cortisol to regulate our body.

One way it does this is to increase our appetite and replace the energy expended.

This physiological response is what we commonly refer to as the “fight or flight” instinct. The trouble is, that unlike our primal ancestors who used this response for physical protection, there is very little actual fighting or fleeing as most of our stress occurs from work, kids and other emotional not physical stresses.

If evenings with your kids is a stressful time of day, there’s one more reason your appetite may be up. Heightened levels of the stress hormone cortisol may suppress thyroid function, cause blood sugar

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imbalances, decrease bone density and muscle tissue, raise blood pressure and increase abdominal fat.

Here are practical steps to take to combat the hormonal causes of weight gain: Eat on a schedule. Eating at set times each day trains your body and mind to know that a steady source of calories is coming and keeps your hunger abated.

Three properly portioned and scheduled meals a day, keeps the weight gain away!

Get enough sleep. Increasing melatonin, a hormone produced during sleep, has been shown to increase Leptin levels and therefore metabolic function. People who make sleep a priority will ultimately eat less, feel fuller and on average weigh less than those who are sleep deprived.

If you are getting enough hours but still feel tired, check with your primary care physician to see if you are experiencing a sleep disorder.

Donâ&#x20AC;&#x2122;t stress out: Easier said than done, right? Binge-eating is often a response to stress and anxiety. Try to learn how to cope with stress through alternatives to eating. When stress mounts, try a healthy alternative. Simply taking a brisk walk outside for ten minutes will help bring cortisol levels down. You are essentially substituting this for your â&#x20AC;&#x153;flightâ&#x20AC;? response. An added bonus? If the food isnâ&#x20AC;&#x2122;t in armsâ&#x20AC;&#x2122; reach you canâ&#x20AC;&#x2122;t eat it and by the time you finish your walk, you most likely will not be hungry anymore!

Need answers to any diet related questions?

Call 077-228-5877 or e-mail your questions to details@drbosdiet.com (subject: Bizness), and we may feature it here in a future column. ď&#x20AC;ź About the Author Dr. Bo Rosenblatt is a Board certified medical doctor who has served in many leadership positions in hospitals and clinics and has lectured for physician organizations all across the United States. Dr. Boâ&#x20AC;&#x2122;s Diet is a comprehensive, customized 5-Phase Weight Management Program producing rapid weight loss in the short term and healthy weight management in the long term. For more information call: 077-228-5877 or e-mail to: details@drbosdiet.com

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21

Strauss Campus, the largest Haredi institution for academic studies invites you to join in its success.

Strauss Campus:

The Largest Haredi Institution for Academic Studies

college studies with kodesh studies, and married students can combine their studies with their many other responsibilities.

Over the past few years, we have witnessed a change in the Orthodox community. More and more young Haredi men and women are choosing to spend three or four years earning an academic degree. Whatever the reasons for this trend, the fact is that there are thousands of Haredi students enrolled in various colleges and universities throughout the country. A survey conducted by the Samuel Neaman Institute for National Policy Research, under the auspices of the Technion Institute, revealed the astounding fact that close to 40% of Haredi students participating in WKH JRYHUQPHQW·V DFDGHPLF VWXGLHV SURJUDP DUH HQUROOHG at the Strauss Campus!*

The administrative staff is responsive to the students' needs and each student receives special attention.

*The survey was taken among the institutions which opened Haredi campuses in response to the government's "Kol Koreh," 2011/12.

The degrees offered at the Campus have been taught at Hadassah for close to 20 years but are now being offered for Haredim exclusively at Strauss Campus in a completely Orthodox environment. All the degrees offered are recognized by the Council for Higher Education.

Strauss Campus is the Haredi branch of Hadassah Academic College located on Strauss Street in Jerusalem.

The Hadassah College is a well-established, exclusive college. Employers seek to hire the alumni of Hadassah College because of its high academic level. For Strauss Campus, Hadassah College provides its high standard academic curriculum as well as its professional teaching staff. Lomda offers its high religious standards and its 22year experience of schooling for the Orthodox community.

Strauss Campus was founded in order to allow members of the Orthodox community to complete degrees in competitive careers and to receive high-paying jobs which will help them support themselves without compromising their religious and traditional lifestyle. The administration invests all its efforts to not only guarantee that all the study material is of proper content but also to ensure that upon completing their degree, the students can enroll in workplaces suitable for Orthodox men and women.

In order to do so, Strauss Campus initiates and maintains contact with potential employers in the industry, introducing them to the students. We are encouraged by the positive attitude companies are showing towards Haredi employees. "The industry is growing," they say, "and the Haredi employees are loyal and hard working. We are looking forward to having the students from Strauss Campus join our companies."

Strauss Campus attracts alumni from a wide range of Orthodox institutions. We do our best to facilitate each and every student. High school graduates can combine their 22

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JUNE 2014

We ensure that the atmosphere of the place is perfectly suitable for the members of the Orthodox community. This includes a dress code, separate campuses and separate lecturers for men and women.

Tuition at Strauss Campus is subsidized and much lower than at most colleges. Even so, the staff does its best to guide the students to apply for scholarships. Many students receive as much as 90% tuition coverage and some receive over 100%.

As of today, about 350 students are enrolled in Campus Strauss studying towards degrees in Optometry (B. Opto) , Biotechnology (B. Sc), Computer Sciences (B.Sc.), Business Administration (B.A.)and Politics & Communication (B.A.).

In addition, for students who have not earned a matriculation diploma (Bagrut), in high school, Strauss Campus offers a preÐacademic course (Mechina) which enables students to bridge the gap in math, English, language skills, science and computers.

And now for the big news! We are happy to announce that registration has now opened for the exclusive and desirable degree in Speech Therapy!

All the degrees offered at Strauss Campus were carefully FKRVHQ DIWHU SURYLQJ WR EH VRXJKW DIWHU ÀHOGV LQ WKH marketplace and thus leading directly to high-paying jobs.

With its eyes on the future, Strauss Campus is looking forward to opening more tracks.

Registration for the upcoming semester is going strong.

Our professional academic consultants are looking forward to helping you discover which degree is most suitable for you.

We can be reached at 02-622-2202 or e-mail us at: rishum@scampus.co.il Please visit our website at: www.strausscampus.co.il.

Bizness Magazine

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Interview with

Eva Topf & Maayan Haller How old are you and where are you from?

I’m eighteen years old and I was born in Toronto, Canada. I made aliyah in 2002 to Ramat Bet Shemesh.

Maayan?

I am twenty years old. I was born and raised in Israel and have lived in Ramat Bet Shemesh for the past 11 years. I am currently studying social work as well as dance of course!

Eva, what is your artistic/music/dance background?

My parents sent me for ballet and tap lessons from the age of three and I have been taking dance classes ever since — ballet, jazz, contemporary, tap and more.

Dance and music have always been my passion. I teach guitar and I am so proud of my current 18 students.

I have participated in seven Regal Production national and international shows where I sang, acted and danced. Last year, I was the dance coach in the Railroad Children production and I am very excited and feel privileged to be doing the choreography for this year’s Regal production show “Pollyanna.”

I have performed multiple times at the 24

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JUNE 2014

Dead Sea and in Jerusalem, New York, London, Manchester and Antwerp.

Anything else?

Yes! For the past six years I have been doing the choreography for the bat mitzva and graduation shows in the Magen Avot school where I currently teach dance.

One of the things I really enjoy is organzing the dancing for bat mitzvah parties. I have done soooooo many. Lot’s of fun!

I have also taught Zumba in the “In Shape” gym.

Do you still have time to do anything else besides the above?

Yes, I am studying optometry at Michlelet Hadassa on Campus Strauss. I also spend Fridays cooking for Shabbos with my mother, my grandmother and my sisters. It’s a great way to spend quality time with them.

What I like most about teaching music and dance is making people happy.

Maayan, what is your background?

Ever since I was a pre-schooler, I recall dancing everywhere and anywhere in the house where I could fit, kitchen included.

My generous parents just managed to throw me into a studio before I destroyed the entire house and I’ve been honing my

Bizness Magazine

skills ever since. I have over ten years of dance experience in a variety of genres including ballet, contemporary, jazz, hip hop, tap and modern.

Today I teach jazz at the Ramat Bet Shemesh Dance Academy and will be graduating the Wingate Institute of Israel in the fall as a certified dance teacher.

In July, I will, B’eezrat Hashem, be running the dance program at the highly acclaimed expressive arts camp Tizmoret Shoshana in Pennsylvania. Next year, I will, IY”H, be joining the Ramat Bet Shemesh Dance Company which is super exciting because I will have the privilege of working with other professional dancers.

Though dance is definitely my passion, I also very much enjoy singing and acting. Baruch Hashem I’ve had many opportunities to dance and perform at many events both in Israel and abroad. A definite highlight was when I got to dance in Europe as a soloist in Regal Production’s The Prince and the Pauper. In addition, I’ve performed in four other Zir Chemed shows, in Spotlight on Women and have also had the privilege of performing with Rachel Factor.

My dream is to eventually open my own dance studio as well as a religious performing arts school for underprivileged kids who seek creative expression in addition to their academic curriculum.

What are your plans for the summer?

We’re glad you asked! We are running a fantastic, intensive, two-week dance camp where girls in junior high and high school can experience a wide range of dance genres including jazz, hip hop, contemporary, Zumba, gymnastics and more!!

And that’s not all! We will be hosting other professional artists who will share their knowledge and skill in their area of expertise.

That sounds really exciting and unique!

Where is the camp going to be?

The camp is going to take place in a professional, spacious, beautiful studio in Ramat Bet Shemesh Alef.

What are the dates?

The dates are: August 10th, 11th, 13th, 17th, 18th and 20th.

Can people still register?

Yes, there are a few spaces left! You can contact ME (Maayan or Eva) anytime! 

Maayan: 058-419-9312; Eva: 052-271-2252.

02 999 3939

Beit Shemesh making great strides with Maccabi The largest and most advanced health center opens to the public Maccabi Health Services is pleased to invite the public to the largest and most spacious Maccabi health clinic in Beit Shemesh. A wide range of health services for the whole family, the top specialists, and the most advanced and accessible care, especially for you!

The new health center Derech Yitzchak Rabin 2 (Naimi Mall) Tel: 02-9917587, Fax: 073-2132680

To join:

*4535

Interview with

Tzvi

Technical Services Where are you from and when did you make Aliyah?

I was born in Poland and made Aliyah when I was a teenager. I moved to the U.S. in my early 20s. However, I always knew that I’d come back to Israel. In 2011, I returned to my homeland with my family.

What type of projects did you work on in New York?

I worked as a contractor in N.Y.C. My projects included remodeling and building custom houses. My biggest project was building a 32 unit condominium.

When we interviewed you two years ago, you were one of the most popular handymen in town. And now you are in the process of becoming the most popular technical services professional.

Please tell us how this transition happened.

When I returned to Israel in 2011, I didn’t know the Israeli market and wasn’t sure which field I should concentrate on. Being a handyman allowed me to explore my options and find my niche. After a year, I started focusing more and more on air-conditioning repairs and service. When I had a client whose air conditioner couldn’t be fixed, it naturally led me to installing new units. Thanks to my experience as a contractor, as someone who can view the home as a whole, I was able to take into consideration not just the AC specifications but also the space requirements, drywall and lighting designs needed to deliver optimal comfort and beauty. Now, we proudly announce that we do central AC installations with beautiful drywall designs. To date, we’ve successfully installed many AC systems in Jerusalem, Bet Shemesh and Modiin.

We remember that you had just one service car at that time; how where you able to triple your car service fleet in just two years?

I constantly reinvest in the business in order to make it grow. Designing the right advertising strategy, putting my customers’ best interest ahead of everything and hard work are the key ingredients to a successful business.

What type of projects do you spend most of your time on now?

The majority of our time is spent on semi-annual inspections and professional cleaning of air-conditioning systems. We offer AC service maintenance plans which improve the energy efficiency of units, lower utility costs, allow for early identification of broken or worn out parts resulting in healthier, cooler/warmer and cleaner air.

We also concentrate on designing and installing new air conditioning systems.

Do you require any special licenses?

Yes. In order to be an installer and a technician, one has to obtain a license from each air-conditioning company or brand. We are proud to be licensed with Mitsubishi, Fujitsu, Electra and Tadiran. Our company was chosen by the Family brand air conditioning to be their 26

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Founder of

exclusive repair sub-contractor in the Beit Shemesh region.

Can you give any tips to people thinking of buying a new air conditioning system?

I recommend inverter systems made by Mitsubishi or Fujitsu.

Customers who want traditional systems can choose other brands of air conditioners as well -- such as Electra or Tadiran. One should make sure to use only air-conditioning licensed professionals. The majority of our service calls are from deficient installations.

Many professionals are struggling to find jobs and we see your cars wherever we go; what really sets you apart?

Our company values. We have a tradition of providing professional installations and prompt and friendly repairs and maintenance

Bizness Magazine

02 999 3939

Lefkowitz

Handyman Tzvi Technical Services

Licensed by all major companies

services. We only offer the highest quality products according to the specific needs of our clients. We consider ourselves to be the experts and we provide our clients with the utmost in customer care and satisfaction -- all at fair prices. The demand for our services is the result of applying this philosophy.

What is your secret to customer satisfaction in your field?

One of the most important factors in our ability to assure customer satisfaction lies with our technicians and customer care. Our service technicians are knowledgeable and experienced. And the service call is not over until there is a smile on our customer’s face.

Are the days of calling Handyman Tzvi to fix trissim and hang pictures on walls a thing of the past?

No. These are the things that put us on the map. By having a number of technicians in the company, I’m able to accommodate both the customers who need technical services like air-conditioning repairs, plumbing, appliances and electrical work, as well as more basic “handyman” services.

How can people contact you?

To improve scheduling times and overall customer experience, customers can now call our office at 02-628-8282 and speak to someone who is there to help them. They can also e-mail us at Tzvi@handymantzvi.com or visit our website at www.handymantzvi.com People can also contact me directly at 054-498-5298.  www.BIZNESSMAG.com

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Finding a trustworthy builder Interview with

Shalom Succot from the Leviathan Group Shalom, where are you from?

I was born right after the Yom Kippur war on Moshava Migdal, north of the city of Tiberius. My parents came to Israel from the United States in order to settle the Land and to put down roots through agricultural work on the Moshava. Because of a lack of appropriate educational facilities, (according to their outlook) they moved to the Holy City of Jerusalem where I was raised.

What is your educational and trade background?

My parents, they should live and be well, were among the first followers of Rabbi Shlomo Carlbach, z”l, beginning in the United States when my father founded Reb Shloime’s first synagogue in California, named the House of Love and Prayer.

Afterwards, in Israel, we, the children, were sent to Chassidic Chareidi education in Jerusalem. About two years after I was married, I set out to support my family. In the beginning I was involved in education for middle school children and afterwards I owned a mini-market.

How did you get started in the building industry?

I was born into the building industry when my parents enlarged their home on the Moshava with their own hands. My love for creativity led me to be interested in the field and I switched my profession to building. In the beginning, I worked under someone else in order to receive the necessary training and then I struck out on my own.

What are you known as in the marketplace?

I am known as a building contractor called Shalom Succot. Less known by my business name Leviathan, because the majority of people came to me because they knew me already and less because of advertisements.

What type of projects do you do?

Beginning with light construction 28

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(building solution for those places where heavy loads are not allow) to regular construction to projects of building classrooms on a high level so that they get approved by the Ministry of Education.

I also do small construction jobs such as a total bathroom makeover –- toilets and bathtub -- to larger renovations such as removing all of the inner walls or planning and building a building from scratch –- up from the foundations until the key.

In which markets have you built?

I have been in the private market, mainly in the areas of Bet Shemesh and Jerusalem and also in the public sector in schools, Talmud Torah institutions and kindergartens.

What’s the advantage of being born in Israel to American parents when dealing in this industry?

I have been acquainted from childhood with the various building systems in Israel. My speaking English as a mother tongue enables me to connect to the English-speaking community. From a professional point of view, it opens up the opportunity to read professional literature in English.

What are some of the challenges you have faced in your job?

I have faced many different engineering challenges such as finding water when building a foundation or when knocking down a wall, encountering concrete girders. These details will probably bore you.

But there are personal challenges, such as building an entire wall to find that it’s a few centimeters away from the proper place. Then having to take it down and rebuild it, following the saying that, “The client is always right.”

What should be the main criteria to select a contractor?

The first criterion is trustworthiness, as you will be putting a large amount of money in his hands as well as your dream.

A second, not any less important, is pro-

Bizness Magazine

fessionalism. Even the most trustworthy person, if he is not professional enough, trustworthiness will not help him. As our sages say in “The Ethics of our Fathers,” “An ignoramus cannot be pious.”

What’s your best advice before deciding to build or do a major renovation?

It should be clear to you what you want to do. Get help from a good interior decorator/architect who will listen to your dreams and budget. Then go and get price estimates from a trustworthy and professional contractor.

Who should contact you?

I usually get contacted when the plans are already clear. But, as I am very involved in the profession, I am often consulted earlier when everything is still a dream and help navigate clients all the way towards the key.

Shalom Succot contact info: Tel.: 052 761 0975 email: 7610975@gmail.com 

02 999 3939

Which Career is Right for Me? Electrical Appliances Column Mrs. Chana Ratner,

Head of Tzomet Counseling, Offers Personalized Career Guidance Solutions to the Financial Challenges Facing Members of Our Community Mrs. Ratner, tell us about Tzomet.

Machon Tzomet is a center for career counseling for Orthodox women, both in finding a job and in choosing the right educational pathway.

Please describe the counseling services that Tzomet provides.

We provide clients with career counseling services and with knowledge and specific information on the educational programs available on the market. We help each client to make an informed decision based on an objective analysis of each individual’s personal situation and the advantages and disadvantages of each relevant program. Having the right information is the key to making good career decisions.

Bad career decisions are much more expensive than investing in professional guidance to make smart decisions about your future.

How does Tzomet help its clients to find a job?

We teach specific skills to successfully manage the process of finding the right job. We offer the benefits of our years of experience and deep network of companies and organizations who turn to Tzomet with employment opportunities, especially in hi-tech, and we match the jobs to our clients’ skill sets.

How is Tzomet different than other career guidance services?

We are experts in the charedi community and we understand the nuances of the sensitivities of the different groups. Our deep knowledge, developed over years of involvement in all of the educational programs, and on-going exposure to the dynamic job market, allow us to guide our clients with a voice of experience.

Hundreds of satisfied clients are testimony to our success. Our clients come from France, England and North America based on warm referrals from satisfied clients.

Do you have a set “package” that you offer?

Yes. We charge a one- time fee, but continue to provide counseling services until the client has reached their goals. The cost of the Machon’s evaluation and guidance services is 350 NIS, which includes a personal interview, evaluation of the career options and available funding pathways, and subsequent follow up throughout the decision making process.

How can people contact you?

People can call to schedule an appointment at 052 713 4917, chanaratner@gmail.com.

We are located in Jerusalem, Givat Shaul on Kanfei Nesharim 24b Office #136. 

By Tomer Cohen

Brought to you by Chashmal 1/2 Chinam In this article we will reveal a trade secret know by few.

S

TIPS

o you just bought an appliance from a store and the company is sending you a technician to install it for “FREE”.

Have you ever thought why a technician would come to your home for FREE for dishwashers and washing machine installations? Well, if you think they come just to provide a service, you may be mistaken. Technicians come to sell you as many products as you allow them to: gas pipes, mechanisms against fuse jumping, filters, protective scales, insurance and more – and often these products are overpriced!

In many cases the technician uses scare/threat techniques to accomplish their goal of selling you products, claiming that “without it you will not have warranty”, which is not true. Ask to see it in writing.

We recommend that you very politely say “No, thank you”.

If you are considering getting the added products it is worth going to a nearby store where you will find the products considerably cheaper. Hopefully the technician will provide good customer service even if you don’t end up buying anything from him.

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

www.BIZNESSMAG.com

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29

Interview with Ruthy, manager of Stylish

W

hen you enter Stylish, you can’t help but cry out in excitement.

The shop is luxuriously and uniquely designed. The atmosphere is pleasant and relaxing. The shelves are filled with a beautiful display of make-up and cosmetics. I sink into the luxurious couch in the corner of the store and slowly get addicted to this magical place. Meanwhile, Ruthy, the friendly manager, is packing a bag with products for a client and is saying goodbye.

“I really enjoyed this!” says the smiling client.

How can you not? I almost say aloud and sit down for a talk with Ruthy.

Wow. Everyone who enters can see that there is something special about this shop.

Stylish is indeed something special, something different. First of all, the shop is designed in a European manner in order to provide a special and magical buying experience. Additionally, a polite make-up artist is always available to help you choose the best make-up for you.

All our products are delivered straight from the companies themselves on a weekly basis. The companies train us on every new product and we receive updates on the latest industry trends.

And, most importantly, we guarantee the lowest prices in the country.

As the shop manager, what is your motto in running the business?

My motto is two words that include everything in them: Customer Service!

Customer service means that our clients always leave the shop happy, are exposed to the best products available in the marketplace and receive professional help enabling them look their best. Plus, a few other rules that are important to me.

For instance?

We help people find what they need and under no circumstances do we try to sell the most expensive products. In my shop this is a very strict rule -- clients must leave with the products they need and at the minimum cost.

We teach our staff that when a woman finally finds time for herself, our job is to give her a pleasurable shopping experience.

What brands do you sell in the shop?

All the leading brands: L’Oreal, Lancôme, Estee Lauder, Soft Touch, Maybelline and many more including medical brands and professional brands for make-up artists.

After many years as a cosmetician and make-up artist, I have learned that there isn’t a good brand. There is a good product.

Sometimes, a not-so-known brand has the best eye liner in the world. And sometimes, even the best brands have some bad products. The trick is to know every product and understand the differences between them.

What about perfumes? Are your prices low too?

Indeed. We sell products at very attractive prices, lower than the prices offered in pharmacies -- even when on sale.

Last week a woman came in just to smell a perfume that her husband was about to buy for her at a special promotion at the duty-free. As she smelled it she saw that our price was 70 NIS cheaper. Of course she bought it and we laughed about the whole thing.

Who are the target buyers of Stylish? What kind of women?

Stylish addresses everyone -- those who understand make-up and those who don’t. We try to cater to every woman in town. Every woman who uses make-up or lotions is invited to come to the shop.

How do people react to an exclusive shop with low prices?

Women usually react with a big “WOW” when they enter the store and then WOW again due to the prices and service. Women got used to thinking that low price stores are neglected or crowded.

Here, they are going to be surprised -- style and luxury at the lowest prices.

What piece of advice would you give to our readers?

An unflattering dress can be kept in the closet but unflattering make-up damages your image.

To conclude, what do you wish for yourself and for Stylish?

I wish this place will make smiling (and beautiful) women, that there will be harmony and that everyone will be satisfied.

SHOPPING CENTER RBS A, Bet Shemesh, under Zol B’Shefa Tel. 02-5810088

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English speaking tour guides - English speaking drivers Up to 20 passengers - Tours - Airport pickups Wedding parties - Bar Mitzvahs - Kivrei Tzadikim Israel 052-682-3033 US 845-201-0245 www.allaroundisrael.com touraroundisrael@gmail.com

Professional Photography for all your smachot Event photography Pregnant women photography Unique Professional

Summer special 10% discount Itai Aminof - photographer email: itaiphoto94@gmail.com facebook: itai aminof - photographer Tel: 0526391517

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

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

F

or over 35 years, Dr. Avraham Zimberg, DPM, has been treating all types of foot problems, both in the U.S. and in Israel. As a podiatrist (foot specialist), he helps children, teens, adults and seniors relieve and prevent foot problems. In Israel since 2001, the “traveling podiatrist” has served the public from his Bet Shemesh office as well as in Jerusalem, Modiin, Gush Etzion, Tzfat, Carmiel and in cities and yishuvim in between!

Dr. Zimberg has currently chosen to focus his practice on medically assessing how people walk (i.e. gait), and prescribing orthotics (midrasim) when needed. He also provides consultations regarding foot care, including second opinions.

What are orthotics?

Orthotics are foot supports that are placed in shoes to help rebalance the feet, thus relieving/preventing foot, leg and back pain.

Who needs orthotics?

People of all ages may benefit from the use of orthotics to help correct imbalances indicated by such problems as bunions, flat feet, high arches, contracted toes, painful corns and calluses, and plantar faciatis (heel pain). These problems may be hereditary or caused by poorly fitting shoes.

Do I need custom-made orthotics?

Some sport shoes have built-in arch supports and there are some ready-made orthotics on the market; however, these are not made specifically to meet the needs of your unique feet. While ready-mades may provide relief for some patients, Dr. Zimberg can help you decide whether you need the benefits of custommade orthotics.

How are custom-made orthotics measured?

The Box Method is the most commonly used method in Israel.

It involves pressing the feet into boxes of foam. This method only records the shape of the feet and is also subject to the skill of the technician who is doing the measuring. As the patient is seated during the measurement, there is no record of the timing of the gait cycle or of the pressures (or lack thereof) put on the various parts of the foot in motion. The orthotics provided are of various 32

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qualities and often do not include special accommodations for individual needs.

Another method is the Standing Scanner. This scanner measures the pressure put on the feet while standing. This is a more useful measurement than the Box Method but it still does not measure the pressure and timing applied during the entire gait cycle.

One needs orthotics most when walking, thus, the most accurate assessment for orthotics can only be achieved by measuring the feet while they are in motion. The Footmaxx Computerized Scanning Method accurately measures the pressure applied as well as the timing of the entire gait cycle. These measurements, together with clinical observation, are essential for producing a truly bio-mechanical, custom-made orthotic.

How does Dr. Zimberg measure for orthotics?

1. Dr. Zimberg takes a full medical history and physically examines the legs and feet.

2. He carefully observes the patient segmentally as he/she walks, to assess gait issues such as drop-shoulder, shape of leg bones, etc.

3. The patient then walks across the Footmaxx scanner several times. This produces a full mapping of the timing and pressure of the gait cycle.

4. Dr. Zimberg sends the scans to Footmaxx Inc. in the U.S. Their highly qualified technical advisor discusses each case with Dr. Zimberg so that the required accommodations can be made.

(Note: This advisor was personally trained by Dr. Zimberg when Dr. Zimberg was the medical advisor to Footmaxx.)

5. The finished orthotics are returned to Israel by courier to ensure prompt delivery. 

Bizness Magazine

02 999 3939

Tipul 10 Oil Change

has merged with AutoKING

NEW MERGER SPECIAL

50nis

OFFul; on Tip

regular price 399nis

Tipul includes oil change, new air and oil filter, 33 point inspection.

Please bring in this ad for discount.

“Tipul 10 Oil Change” has merged with AutoKING Together we now provide the fastest and lowest price Oil change / Tipul, in town. And of course, we are a full service shop to do all car repairs. We welcome Daniel as our new Service Manager. He is a master at providing exceptional customer service. In the first few months since we opened, we had a few “hiccups” with our service. But now with Daniel on board, you will be impressed how well he takes care of you and your car. Our mission is to provide the lowest prices and the best customer service in town.

Try us out!

Daniel Ginensky New Service Mgr

Ariel Levy Head Mechanic

F AT C A : Interview with

New Reporting Requirements Affecting Personal Holdings Outside of the U.S. for all U.S. Citizens

Mel Schreiber of Schreiber & Calvo, CPA’s, P.C. 1) What is your background?

I head the firm’s domestic and international tax practice. I have over 30 years of public accounting experience, including auditing and taxation, mergers and acquisitions and financial consulting. I am a member of the American Institute of Certified Public Accountants and the New York and New Jersey State Societies of Certified Public Accountants and am a member of the Forensic CPA’s. I have taught federal taxation and auditing at Rutgers University and have been the chairman and member of various committees of the New York State Society of Certified Public Accountants. My partners also bring significant experience to our firm. They have presented continuing education classes to over 100,000 professionals over the past two decades and have authored a variety of articles and tax, accounting, and technology seminar manuals.

2) What does Schreiber & Calvo specialize in?

We provide a wide range of interrelated accounting, tax, and consulting services for our clients, on both the individual and company level. Some of our services geared toward the individual include tax return preparation, tax planning and advice, estate and trust planning and compliance, and retirement planning. On a company level, in addition to tax planning and return preparation, we also provide business consulting, deal structuring, capital financing, mergers and acquisition guidance, financial statements, business succession planning, and forensic services.

One area of specialty that our firm provides is Internal Revenue Service representation and resolution. We have over 30 years of experience in dealing with the IRS and have successfully represented individuals as well as corporate/partnership entities before the IRS in all areas.

Another specialty area is assisting clients with risk management utilizing the tax beneficial Captive Insurance model as approved by the IRS code.

3) What are the most current issues affecting U.S. citizens living in Israel?

The Foreign Account Tax Compliance Act (FATCA) requires foreign banks to disclose to the IRS certain information about accounts of U.S. citizens. For the individual taxpayer, FATCA requires the disclosure of certain foreign financial assets and offshore assets on a special form (8938) that is attached to their tax return. This law applies equally to citizens residing in the U.S. and citizens residing abroad.

Many assets that are not included in the reporting requirements for the Report of Foreign Bank and Financial Accounts (FBAR) are 34

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Israel Contact: U.S. Office: 054-843-2383 516-484-8700 347-757-6880 212-643-3030 UStaxandaudit@gmail.com www.schreiberandcalvo.com

included in the FATCA requirements. Therefore, it is important to review all of your assets with a CPA to determine whether you are required to file Form 8938. Failure to file Form 8938 along with one’s tax return can cause the statute of limitations to be suspended for the entire tax return until the form is filed (at which point the regular statute of limitations period begins).

U.S. citizens in Israel are also concerned about the increase in recent years of IRS audits of expatriates, including those living in Israel. In recent years, the IRS has been increasing their scrutiny of expatriate returns as part of their effort to thwart offshore tax evasion.

Returns that show no tax liability and that claim a refund, such as the refundable portion of the well-known child tax credit, are in general susceptible to audits.

4) How can Schreiber and Calvo help U.S. citizens in Israel with these issues?

The most important thing to know about FATCA and other information forms such as the FBAR is that failure to file timely information forms can trigger enormous penalties. Our staff of qualified and knowledgeable CPA’s ensures that our clients are in full compliance and that all required filings are done properly and in a timely manner.

Additionally, we at Schreiber and Calvo have extensive experience in representing clients before the IRS in many issues. We have handled audits in all areas including the child tax credit, corporate IRS issues, and past due issues, and brought them to a successful resolution. We have also taken over situations that were not getting resolved and helped bring them to a satisfactory resolution.

5) Who is your typical Israeli client?

Our Israeli clients are varied, from U.S. entities under Israeli ownership to U.S. reporting individuals living in Israel.

6) You take great pride in providing incomparable personalized service; can you expand on this?

When you do business with us, you’ll always have our strongest commitment to provide you with quality work in a timely manner, whether you are looking to file a single form or for representation for a complex IRS audit. The day-to-day “hands on” involvement, as well as close attention of the entire staff, ensures clients that every detail of their account will be managed carefully and effectively. For our Israeli clients, we have representatives in Israel to accommodate their local time zone. We value the trust our clients place in us, and we work hard to earn that trust every single day. 

Bizness Magazine

02 999 3939

Furniture for customers who understand & do not compromise on luxury, beauty and quality.

At the best prices in the market - guaranteed

WE DELIVER ALL OVER ISRAEL Rehov Bircat Avraham 2, Ramat Shlomo, Jerusalem

Hours: 18:30 - 21:30 or by appointment

052-7672480 Fine furnishings for people who want the best!

ĵĶıŅı ĮĶĵ Tiv HaRahit

Excellent Quality Furnitureat a price you can afford!

Fast and Reliable Service

Stunning leather couches from Calia Italia, at the lowest prices anywhere!!

Custom dining room sets, bookcases, bedroom furniture, children’s wooden beds, closets, Poliron mattresses, hi risers, leather couches.

We also sell seforim shanks and office furniture! Call for a price quote!

Opening Hours: Sunday - Thursday 19:30-21:30 (Mornings and afternoons by appointment) Nachal Maor 14/3, Ramat Beit Shemesh 999-2144, 050-6727732, 050-2755722

New!

Unique Lighting from Sweden to Jerusalem Interview with Shai Cohen from Aluma

What’s your background Shai?

I have a very strong background in the lighting industry as I have worked in lighting stores such as Lumina, Studio Italia and Linea. I have also been involved for years in the manufacture and import of high quality decorative light fixtures; All high end and from top world companies. The manufacturing focused on special and unique light fixtures with amazing designs whose light perfectly fill the space in each environment.

How many years have you been in the lighting industry?

I have been in the Israeli and European lighting industry for almost 20 years now.

Why Aluma?

Aluma Design and Planning emphasizes professional service for both its private customers as well as its business clients. We have hundreds of projects that we have carried out in both Israel and the world. You can get any solution that you need in our Jerusalem branch.

This is certainly one of the most beautiful stores in Jerusalem, when did you open?

Thanks. We are proud of our new showroom. We just opened and we are currently working on our pre grand opening sale sched-

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uled to be from the 20th to the 23rd of June.

Why in Jerusalem?

There are branches from Sweden to Tel Aviv to Hertzliya. Aluma is a natural fit for Jerusalem. The people in Jerusalem and surrounding areas are sophisticated and understand the difference between regular light and light professionally designed to perfectly illuminate an area.

Tell us about the store?

I’ll tell you a short story that just happened a couple of days ago. A man and his wife came to the store and fell in love with one of our most beautiful chandeliers. After understanding the area where they wanted to place the chandelier, we concluded that the light from this beautiful piece was not appropriate for their environment. Even though they insisted on buying the chandelier, we convinced them to look for other options which we did not carry. We take pride in providing the most professional service available in the lighting industry. We may have lost a sale but we earned a client.

What is unique about your service?

We provide special professional counseling by a lighting specialist in order to properly take into account the amount of light neces-

Bizness Magazine

sary for the client’s room or environment. Our method enables clients to receive an illustration of the utilization of light in a particular area through the use of a computer program.

The computer program simulates the light in a particular area of the light fixture the client wishes to buy. Likewise, an interior decorator accompanies client, thus making sure that the most appropriate lighting will be used to illuminate an existing room. The computer program can work even with pictures taken by the client and sent to us by email.

What is the profile of your future clients?

We carry lighting fixtures for every budget. The issue is not the beauty of the lighting fixture alone, but the light it provides in the particular area where it is placed.

Who should come to the store?

Nice people . People who find that they do not have appropriate light in a particular area. People who care about perfect illumination for each environment. People who care about quality, design and personal service.

Aluma Jerusalem Branch - Hatnufa 6, Talpiot Tel 02-5402957 | shai@alumateura.com | www.alumateura.com 

02 999 3939

The Best Drinking Water No Maintenance, Nothing Removed Interview with

Haim Averbuch CEO of Mayim Chayim 8

What’s the problem with tap water?

Today’s industries spill much of their industrial waste in the rivers and land fields. This reaches the country’s water reserves and also pollutes the wells.

What do most common filters do?

Many filters are a great disaster for the human body as they filter out most, if not all, of the important minerals in the water. Our bodies very much need these minerals and may suffer from many illnesses if we do not take supplements.

Explain the principle of the Mayim Chayim 8 system.

It uses a whirlpool process where the water spins around 14 times at very high speeds. As a result, the water is enriched with liquid oxygen and high energy (frequency) and the mineral molecules are separated from the toxins in a way that the minerals are able to be well-absorbed into the cells of our body. The toxins are deactivated as a result of their being broken up into millions of pieces.

Where do all the toxins and chemicals go?

Specialized tests done on people who drink water purified by the Mayim Chayim 8 system.show large amounts of chemicals and toxins secreted out through the body’s natural secretion system instead of staying in the body.

What’s the effect on the human body?

There is an amazing effect on the quality of the red blood cells in the body. They are enriched with abundance of electric energy and liquefied oxygen which is very important for protecting the body from various diseases. Many people, both adults and children, find that

the purified water heals various skin diseases. The skin becomes softer and more pleasant and eczema and itching disappear. The digestive system and the body’s immune system also improve greatly. Many women report a rise in the amount of calcium in the body. In addition, the softer water greatly affects the skin and the hair, reducing the need for body creams and hair conditioners.

The now clear surface of the blood cells allows proper function and absorption of the minerals in the water.

Tell us some success stories.

Clients have reported many dramatic changes having taken place in their bodies. Here are a few examples: • A man who suffered from psoriasis for over 40 years reported a totally clean skin after bathing only with Mayim Chayim 8.

• A doctor who suffered all his life from eczema on his hands reported total recovery.

• A baby who cried and screamed from bleeding itchy skin every time he was bathed, had for the first time a relaxed bath for over 30 minutes.

His mother reported that she had never seen him like this—not since he was born.

• An older woman couldn’t drink water from the tap in her nursing home. Today she drinks 15 cups of water a day and the acne that she had on her face disappeared and did not return.

How about the taste of the water?

The taste of the water is wonderful.

What other benefits are expected?

There is no need for maintenance or part replacements for 20 years or more.

There is no longer any need to shlepp bottles or change filters. This can bring clients savings of thousands of shekels over many years. The water also cleans out the lime scale from the building pipes, the solar heater, the washing machine and the dishwasher. And all of the minerals in the water remain in it to reach our bodies the way they are supposed to.

How is the system installed?

The device is installed near the water meter. This way all of the faucets in the home get the purified water for drinking, cooking and washing and also for the garden and for your pets. Installation takes between 20-30 minutes. It can be done by any plumber, we can send a plumber or you can do it yourself.

What is the warranty?

There is a 10-year warranty on the certificate.

What type of certification does the device have?

Mayim Chayim 8 is checked and approved for use by the Israeli Standards Institute.

How about germs?

Bactochem Laboratory in Nes Ziona, one of the largest laboratories in Israel, found that there were no germs in the water and that the water was clean and met the requirements of the Minister of Health for drinking water and contained a greater amount of oxygen.

The device is totally manufactured only in Israel and is protected by a patent registered in the Israeli patent office.

How can people get more information?

Go to www.mayim-chayim8.co.il for further information and to watch video interviews with many users. E-mail me directly at averbuch136@gmail.com or call me at 052-863-6974. 

D

A Magical World

of Carpets

By Yitzhak Haronian

38

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JUNE 2014

esigner carpets are one of the most beautifying and heartwarming items in a living room. Carpets are intended to connect or create a contrast of textures and colors to objects or articles in the room where they are found. Rich carpets in various styles and colors create a connection between all of the elements in the living room of a house.

One can find carpets that produce a warm and homely atmosphere and which take you to magical places, especially when you are talking about ethnic carpets where every piece has an exciting story behind it.

The sources for hand-made carpets are in Persia, Afghanistan, Turkey and the Caucasus region. These areas have developed a whole culture and art form of weaving carpets with ornamentation and designs taken from their culture. They are influenced by an infinite number of colors, shapes, designs and styles. These carpets are praised and considered to be works of art. And they become more beautiful with the passage of time.

Persian carpets are inspired by carpets created long ago for members of the Persian king’s court. They are decorated with pictures of flowers, vases, medallions, trees of life, arabesques, animals, leaves, etc. They are weaved mainly in shades of beige, red, dark blue, green and yellow.

Afghanistan is a country with a diverse culture which is expressed by the rugs created there. The common denominator for the majority of Afghan rugs is the color red which is used on over 90% of a carpet’s area. The designs on Afghan rugs are usually geometrical and do not appear at the center of the carpet. These shapes are called guls. In the past, each gul belonged to the tribe which created the carpet.

Khal Mohammadi rugs are Afghan rugs characterized by a special texture which are weaved from wool of the best quality with very tightly weaving. There are a number of typical designs including the “diamond” and the “elephant leg” which appear in a wide variety of earth colors from shiny red to brown. The rugs are appropriate for the floor in a variety of bright colors which create a maximum presence for filling the void.

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At the end of the 19th century, the German designer, Philip Ziegler, arrived in Persia in order to create carpets for the court of the Austro-Hungarian Empire. He fell in love with the Persian carpets. Philip Ziegler began to design them so that they would be appropriate for the European taste of that period. Ziegler created carpets with spacious designs of large flowers and bright colors which were different than the usual Persian carpets.

A Ziegler is a carpet with fuzz made from high quality wool with a cotton base.

Another unusual attribute of this type of carpet is in the method of weaving with double ties. This method gives the carpet strength and longevity. With the passage of time, these carpets are now put through the “stone wash” process which gives them an “ancient” look.

Cheltika carpets are the new trend in the carpet world. Like its name, that’s what they are. If you translate the name from Farsi, it means 40 parts—Chel means 40 and Tika means parts. Cheltika carpets are special items that are hand-made by cutting and resewing vintage carpets. After the sewing, the carpets are colored with vegetable colors to create a variety of shades. The carpets can be very colorful and include traditional elements or they can also be in different shades of the same color but with a softer, cleaner look. The work on the carpet begins with the small details (the patches) so that in the end a single work of art has been created which emphasizes the ornamentation and the textures of oriental carpets. All stages of the work are carried out by hand consistent with the ancient art of tapestry. Cheltika carpets offer a new life direction, wonderful designs and also a recycling of old carpets as befitting in the ecological age that we are in.

The writer has been involved in the area of carpets for over 30 years and has a store of Carmel carpets in Jerusalem. In the store, one can find a wide selection of machine-woven carpets — wall-to-wall, wooden parquet floors and Egger parquet laminations, a product of Germany.

In addition, the store carries a section of hand-made carpets, one of the largest in the market, which offers Persian carpets, Afghan rugs, Zeigler, Vintage, Cheltika, Uzbekistan and others.

You can see all of the above at Pierre Koenig 39, Talpiot, Jerusalem, 02-679-5618. 

02 999 3939

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The newest class of horseback riding instructors

GetEmpowered

Getting empowered at Retorno

As told to Shoshana Schwartz

My life wasn’t working. But since there was nothing specific I could put my finger on, I thought that’s just how life is—bland, uncomfortable at times. I was functioning, working mornings, being a mom all afternoon, and catering to my husband in the evenings. I was going through the motions of life, but I wasn’t actually living it, and certainly not enjoying it. Just kind of putting one foot in front of the other.

I needed a change. SomeMifgashim thing different. A friend conis more than vinced me to attend an 8-part empowerment horseback riding workshop groups. It’s a through Mifgashim. Well, it’s safe, supportive different! But the idea of sitenvironment ting on a huge moving object where you can with only two flimsy pieces of leather as my steering grow and flourish. wheel was not exactly what It’s personalized I had in mind. Still, I needed guidance, so that something, and I figured I had you can pinpoint nothing to lose. your goals and I was right. I had nothing acquire the tools to lose and everything to gain. when the workshop to achieve them. Because ended, I checked out what else Mifgashim has to offer and began a journey into myself. I opened my eyes for the first time and realized that I wasn’t living life, I was surviving it. My days were filled with making sure everyone was okay—everyone except me. I said yes when I wanted to say no. I was under constant pressure to keep everyone around me happy. I felt responsible for my husband’s moods, and the wrong word from him would make me dissolve in tears. I felt guilty over my children’s difficulties, my mother’s sciatica, and even 40

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JUNE 2014

Mifgashim is a project of Retorno.

Under the direction of Rav Eitan Eckstein, for 24 years Retorno has been helping people make a real change in their lives.

In addition to rehabilitation programs, nearly 30,000 people visit Retorno annually to take part in prevention seminars, and thousands more host these programs in their schools, businesses, and organizations.

In wake of Retorno’s success in helping people overcome seemingly insurmountable challenges, Retorno offers continuing adult education courses (separate courses for men and women). Retorno’s popular 12 Step methodology courses provide training for identification and intervention of atrisk teens and adults. The combination of theoretical and practical knowledge is empowering for educators, rabbis, community activists, mentors, therapists, and parents.

Therapeutic horseback riding is an incredible tool for emotional difficulties, ADHD, autism, substance abuse, and more. Vast experience in this area makes Retorno particularly qualified to offer certified (separate) programs for religious men and women to become certified horseback riding instructors.

Choose from a prep course (mechina), Western riding instructor’s course, and a therapeutic riding instructor’s course. To learn more about the power of horseback riding therapy and how Retorno integrates it with the tools of the 12 Steps, see It’s Your Move by Rabbi Eitan Eckstein available at Amazon.com

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my neighbor’s leaky faucet. I didn’t know Mifgashim runs how to set healthy separate Groups for boundaries, so people men and women. Get walked all over me. empowered—call Sometimes I got too Shoshana at attached to people 052-436-9888 or email and then wondered shoshana@retorno.org, why they pulled away. and check out our And sometimes I used emotional outbursts website to try to get what I www.retorno.org wanted.

I started attending empowerment groups at Mifgashim. I was floored when I realized that there are so many women out there just like me! Women who are trying so hard to make things work but are floundering in quicksand. Women who resort to unhealthy coping mechanisms— eating and overexercising, reading or playing games into the wee hours of the night, hovering over their families’ behaviors and activities.

At Mifgashim I didn’t just learn about people pleasing and codependency, I gained practical tools to deal with these unhelpful tendencies. Step by step, I made small changes in my life. I learned how to set boundaries. I learned how to say no to other people and yes to myself and my sanity. I learned that I’m not responsible for other people’s setbacks and failures. I learned how to trust others. And most of all, I learned to love myself.  About the Author Shoshana Schwartz is the author of three books and a weekly contributor or Mishpacha magazine. She is also the director of English projects and an addictions counselor at Retorno and Mifgashim.

02 999 3939

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

J

une 2011: Uriel Wang is diagnosed with a rare case of leukemia CML and Philadelphia chromosome. Three days later, he starts treatment which lasts until November. He then receives a bone marrow transplant from his brother Daniel. After a month of confinement in isolation, Uriel is finally released home.

Chol Hamoed, Pesach 2012: Uriel suffers a relapse and is subject to another round of gruesome chemotherapy. During this period of time, he flies, together with Chaiyanu, to Paris on a dream trip where, for a few short moments, he is able to forget the dark, dreary world of confinement and hospitals. Immediately after Uriel’s return to Israel, his family continues its relentless search for another bone marrow donor. This is quite a difficult task due to Uriel’s genetic background. In April, with God’s help, the Wangs find a matching donor from Germany.

During the first month of treatment, the radiation process is grueling. Throughout the process, Chaiyanu provides moral support, helping in every possible way such as providing volunteers who constantly attend to the needs of the Wang family.

Rosh Hashana Time: Two months later, Uriel is released from the hospital but is too weak to return to school. Uriel needs a lot of help to catch up with his studies but his family gives him some time off to recover.

During this recuperation time, the family travels to a hotel where Uriel contracts food poisoning which lands him back in the hospital for another long four months. Uriel goes through a new series of treatments and a slow remission process.

Uriel is a very special child who has a number of interests and talents. He enjoys preparing his own food and is extremely independent. Recently, Uriel began learning to play the drums.

42

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JUNE 2014

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

For him, this is a way of celebrating his success over his ailment.

While convalescing in the hospital, Uriel volunteers to help other young suffering children like himself.

Chaiyanu celebrated Uriel’s eleventh birthday by taking him by motorcycle to a lavish birthday celebration. Uriel was most surprised to find that Chaiyanu had invited a special guest to attend — Itzik Dadya, his favorite Israeli singer.

Throughout the years of Uriel’s illness, he has received two wishes from the Chanukah Make A Wish program offered by Chaiyanu. Make A Wish lets every sick child and their siblings receive special customized presents on Chanukah. Uriel received a PSP and a rip stick!

This summer, Uriel will attend Camp Simcha, a summer camp specifically designed for children battling cancer and who are in remission. Camp Simcha’s goal is for children to feel comfortable in their surroundings and attempt to forget all the pain and trauma back home.

Chaiyanu wishes Uriel and his entire family a smooth road ahead, as we continue to watch Uriel as he reaches new milestones and flourishes on the road to a healthy successful normal life! 

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Orthodontics

Smiling from Bet Shemesh to Jerusalem with

Smile Talk ( ) Questions from the Field

By Dr. Lavi and Dr. Gherman

Both Dr. Lavi & Dr. Gherman are members of the AAO

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

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

44

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JUNE 2014

At what age should my child first visit the orthodontist?

This is a very common question. The American Association of Orthodontists recommends that your child get an orthodontic check-up no later than age seven.

By then, your child’s teeth have developed enough to where subtle problems can be spotted with jaw growth and emerging teeth. An early orthodontic consultation can lead to significant treatment benefits for some or at least a parent’s peace of mind that all is well.

What is the American Association of Orthodontist?

The American Association of orthodontists or AAO is one of the largest worldwide professional organizations for orthodontists.

Orthodontists receive an additional two to three years of specialized and rigorous education beyond dental school to learn the proper way to align and straighten teeth. Only those with this education are eligible for membership in the AAO. Both Dr. Gherman and Dr. Lavi are members of the AAO. Dr. Gherman graduated from the AAO accredited orthodontic program at Montefiore Medical Center and Dr. Lavi Graduated from the AAO accred-

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ited program at New York University Dental School.

Can you tell us what things we should watch out for that may indicate the need for orthodontic treatment?

To tell you the truth, most parents don’t really want to see but if you did pay attention, here are some clues: • Early or late loss of baby teeth • Breathing through the mouth • Thumb-sucking • Crowded, misplaced or blocked-out teeth • Jaws that are too far forward or back • Biting the cheek or biting into the roof of the mouth • Protruding teeth • Upper and lower teeth that don’t meet or meet in an abnormal way • An unbalanced facial appearance • Grinding or clenching of teeth Wow! That’s a mouth full! So what do you do now?

Call the office to set up your free consultation.

Dr. Gherman is located at 15 Ibn Gevirol Street in Rechavia. The numbers are: 02-561-9770 and 02-561-9780.

Dr. Lavi and Dr. Gherman practice together in Ramat Bet Shemesh The phone number is 02-992-3363. 

02 999 3939

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Dr. Avrohom Levy MB ChB BSc MNIMH

Herbalist and Doctor

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

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

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

Clean House

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Do the Cleaning and Polishing with the experts!

Dr. Ari Stern 02-999-6046

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

drstern@neto.net.il

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

Emergency Campaign ‫בס”ד‬

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

Don’t Let This Happen

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1

2

Life Coach

Real Estate Law

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

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

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

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

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

5

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

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

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

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Weight Loss

Mortgage

Insurance

Real Estate

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

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

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

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

They are also experts in travel insurance and incoming tourism.

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

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

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

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10

Car Mechanics

Business Growth

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

Ariel Topf Company: Bizness Magazine

48

â&#x20AC;˘

JUNE 2014

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

Bizness Magazine

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Ask Any Questions

Experts You Can Call

02 999 3939

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