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

AG Wigs Helen Abelesz Blue Thread Marketing Netanel Buta David Chernin Shimon Cohen Nachum Eilberg Rachel Factor Minda Garr Richard Gussow Jerry Hyman

Ari Katz Tzvi Lefkowitz David Litke Moshe Orman Rechavia Dental Center Restorno Dr. Bo Rosenblat Ilan Rubinstein Karen Wolfers-Rapaport Moshe Wilshinsky

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The Key to a Happy Marriage

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Making Financial Resolutions

Individuality and Soul Awareness

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Letter from the Editor

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M A G A Z I N E SHARING THE MIRACLE OF SUCCESS

osh Hashanah is around the corner. This is a joyous period, and at the same time a unique opportunity to analyze our past actions and achievements and set personal and business goals for the upcoming year.

Goal setting is one the most powerful tools for success in all areas of life. Itâ&#x20AC;&#x2122;s very difficult to accomplish anything without a goal. Imagine getting into your car and starting to drive without knowing your destination. Once you have a destination, you need a roadmap to get there.

Decide what you really want, and then take the necessary time to develop a short-term and at least a mid-term goal. Create a visual image of what you want to accomplish. How many calls will you make per day to get the number of clients you want? What will your new house look like? How much time per day will you set aside for learning and self-improvement? Remember to be very specific.

In order to reach these goals, keep your eye on the target. Start with the end in mind and have the intent to finish.

I wish you a new year full of the accomplishments you set for yourself.

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Shana Tova and Chag Sameach!

Ariel Topf ariel@biznessmag.com

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Editor in Chief Ariel Topf Business Development Yisroel Meir Simon Chief Designer Adam Ram Editorial Manager Aviva Sapir Contributing Editors Naomi Isaacson, Daniel Price, Chayale Saibil Contributing Writers Helen Abelesz, Netanel Buta, David Chermin, Shimon Cohen, Nachum Eilberg, Rachel Factor, Minda Garr, Eliyahu Gherman, Gmax, Richard Gussow, Jerry Hyman, Nati Journo, Ari Katz, Ariel Levy, David Litke, Shmuel Phillips, Bo Rosenblat, Ilan Rubinstein, Moshe Wilshinsky, Mirit Reif, Karen Wolfers-Rapaport Advertising Chaya Hyams, Devorah Ezrihen Graphic Artists Aliza Sokol How to reach Bizness Magazine Advertising 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 â&#x20AC;&#x2DC;Submissionâ&#x20AC;&#x2122;) 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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After high school, I joined the Sherut Leumi program and worked with special-needs children. In my second year of Sherut Leumi I began to think about what I would like to study in university. I was very confused about what I would like to learn and to which university I wanted to go to. I was also nervous about taking the psychometric test. Even though I always wanted to study physical therapy, I was not sure if I would get the score I needed on the psychometric test and whether I would be accepted.

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CHAGIM 2015

Natan I was born in Florida. My parents moved a lot when I was a kid and by the time I was 17 I had moved six times. I don’t think moving was a bad thing; it was just hard to make new friends all the time.

Eventually I just sort of gave up and stopped going to high school altogether. About four years ago I made aliya. I felt really connected to Israel; at home my parents always watched the news and were strong supporters of Israel. I had always wanted to be part of something, so I joined the IDF. and was drafted into the paratroopers unit. I really excelled in my unit and it was an amazing experience.

After serving in the army, I decided that I would like to study business and marketing. I knew that the first thing I needed was a high school diploma, so I decided that my best bet would be to take the GED test. I needed to study all of the things that I didn’t study in high school.

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Hila I made aliya in 2011 from Brooklyn, New York. I love music, dance and art. Last year I decided I would like to take the SAT test. I thought a lot about going to study in the US for a BA in Art. I knew that as much as I love Israel I just really missed my friends and family. I heard that the SAT score was good for some university majors in Israel and was required in the US, so I figured it was my best option. I was a little apprehensive about taking an SAT course in Israel because I heard that most students who join courses in Israel have a very weak background in English.

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LI FE C O A C H

Make Real Change This Elul

By Helen Abelesz

M

ost of the time, we’re so busy that we’re on auto pilot, behaving how we always have without stopping and thinking about whether we’re on the right path or whether it’s even possible to make changes.

This time of year is the perfect time to think about what’s going on in your life: whether you’re happy or not, and whether you want to try to make some changes. Rosh Hashanna gives us the opportunity to stop for a minute and consider how our lives are working out, and whether or not we’re where we have hoped to be.

Nevertheless, even with great determination, we often do not succeed in making those changes. We get off to a great start, but soon find ourselves slipping back into old patterns and feeling frustrated.

As a Life Coach, I have had the pleasure of seeing many clients make real, lasting changes in their lives. You can make changes and grow. I have seen it many times! Doing Teshuva does not mean that we make changes for a few months and then go back to doing the same thing again. Doing true Teshuva means we make long-lasting, real changes. Coaching can help you to do true teshuva.

Hannah* was a mother of teens. She didn’t always handle them well. She found their mood swings very difficult to handle, and their rooms were a disaster. She regularly shouted at them, but they never took any notice. She worried that she was losing her relationship with them.

Every Chodesh Elul, she wrote down her plans for the following year in a notebook that she kept from year to year. She worked out what she wanted to work on for herself and for her relationships with her family. She picked up her notebook as Rosh Hashanna approached and read her previous goals. She was shocked to realize that she had written almost the same thing, year after year. She hadn’t changed. She felt very down on herself and demotivated.

She had been so enthusiastic to make these changes, but it just never came into being. She realized she needed a little help, so she gave me a call.

In Life Coaching, we really delve into your goals so that you can pinpoint exactly what you want to change. We then come up with a plan to start working towards these goals. Working with Hannah was great, as she had already worked out her goals. She just needed a little help to actualize the changes.

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Hannah worked out that her primary goal was to have a more positive relationship with her children. Through working together, she acknowledged that she had to let go of her frustration with some of their more annoying habits. She realized that by yelling at them, she was achieving the opposite of her desired goal, and that by focusing on their more pleasant qualities, she could have a more positive influence on them. When conflict arose, she began to stop and ask herself how she could walk away from it or approach it from a different angle. She trained herself not to yell automatically, but to stop just beforehand and think about how she could express her frustration without raising her voice. These small differences were the first small steps on a journey that got her more smiles and hugs from her children.

Want to make some real changes this year like Hannah did?, Give me, Helen Abelesz, Life Coach for Women, a call on 054-4829815 for a free first consultation today!  *not her real name and all identifying features have been changed

Bizness Magazine

054-482-9815 helenabelesz@gmail.com

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BUDG ET C O U N S ELI N G

The Danger of Short Term Tactics

By David Litke

W

henever I sit down with a couple to analyze their budgetary habits, I am always struck anew by two things: 1) how, in the initial stages of our consultation, the couple is distressed and sees no way at all to changing their spending and living habits, and 2) how, after a process of analysis and thought and the encouragement of a counselor, the clients reach the illuminating realization that there is much they can do to refine and change these habits so as to create a more stable financial situation for themselves.

If the strategy of budget counseling is to live more frugally and create a stronger financial future, then what are the tactics? How does one begin? What is the day-to-day behavior that will set us on the road to our goal? It is well known in coaching circles that even a few small steps are enough to set one on the road to making long-lasting changes. So in this article I would like to share with you one insight which illustrates the psychological/behavioral side of the challenge.

Not so long ago, General Motors was the largest auto manufacturer in the world, peaking at 29% of the world market. At some point, well into the years of environmental awareness and the need to make cars more fuel-efficient, GM fell down on the job, saw Toyota surpass it as the number one car seller in the world and saw its market share drop far below its peak. In the 1990s, desperate to regain its share, GM initiated a program to restore its portion of the market to its high point of 29%. Throughout the company the number 29 became a rallying point and target whose ultimate purpose was for GM to restore its former glory and market share. Everywhere one looked throughout GM corporate offices and plants, one could find placards, buttons and stickers sanctifying the number 29. The number became a mantra and obsession for GM leaders, determined to reach at any cost that portion of the world market which had once been theirs.

But GM went about reaching the goal in the wrong way. While the strategy was clear, only drastic and short-sighted steps were taken. The company became addicted to short term tactics and gimmicks. It offered customers large discounts and interest-free loans so that sales would increase and a larger share of the market would be reached. GM allowed its energy to be diverted from programs which would have made a difference in the much longer term. It did not invest in designing a more efficient car, it did not streamline its production line and it did not sell off unprofitable divisions. As a result, the travails of GM continued to occupy the business pages of the newspapers for many years. The business 10

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world is replete with examples of companies whose race to profits involved either shallow and hasty planning (the “Ford Pinto”) or outright criminality (Enron), where the tactics did not serve the strategic goal.

Is home budget management any different? Not really.

Reaching a worthy goal in home finance requires tenacity, patience and long term vision. Suppose you want to liquidate your overdraft. You’ve decided that you just can’t take living in minus anymore. To do it quickly would in most cases be the wrong way to go. You could try any of several drastic steps - dip into your emergency fund, borrow against a keren hishtalmut, delay necessary repairs to your home or car or radically change your spending habits in a way that would be unsustainable and would eventually get you back into the very hole you were trying to escape. Quick, snappy, short, drastic steps – these are not formulas for long term budgetary stability.

A worthy plan to eliminate an overdraft debt requires building a budget which will be sustainable. It demands lifestyle changes which are reasonable and will not make you so miserable that the whole budget process is doomed to failure. It requires responsible implementation and regular weekly review such that your progress will be slower but steadier, much like we have all experienced in dieting and exercising.

There are many other aspects of home money management which require this same discipline of well-planned actions in the pursuit of permanent stability. All depend on a grand strategic plan to be implemented with measured steps and tactics.  Subscribe to our free email tips: www.budgetrelief.co.il

Bizness Magazine

050-535-1800 david@budgetsuccess.co.il www.budgetsuccess.co.il

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START THE YEAR OFF ON GOOD TERMS WITH YOURSELF Excerpts from an interview with Rabbi David Green, author of

A Book About You Individuality and Soul Awareness

Published recently by Mosaica Press.

What inspired you to write this book?

I see so many people from across the spectrum of Jewish life who seem to be very disconnected from themselves.

If people would learn to appreciate their own individuality and recognize what contribution they have to make in the world, they would be so much more fulfilled and at peace with themselves, as well as with the people in their lives.

Over years of teaching a series of classes entitled “Journey to the Real You,” I realized that I was gifted with the ability to use Torah concepts to help others discover their individuality and self-awareness. I knew I had to write “A Book About You.” It was an important part of my own personal journey.

How would you summarize the overall approach of the book?

The book is divided into three units: “Who Are You?” “What Are You?” and “Making It Real.” “Who are you” starts with three primary personalities based on the chesed of Avraham, gevurah of Yitzhak and the tiferes of Yaakov. The reader is invited to explore a number of important positive qualities and vulnerabilities that accompany these personality types. There is also practical advice on defining one’s unique purpose in the world and choosing a career.

The “What Are You?” section provides tools that allows readers to get more in touch with their souls both on a theoretical and experiential level.

Finally, the “Making It Real” unit is about using knowledge gained from the book about who and what we really are to make better choices and move forward in our lives.

To help readers understand their own paths and drive the message of the book home, I include a journal at the end of most chapters as well as quotes from the lyrics from my music 12

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album “Journey to the Real You.” The eBook version is embedded with links that allow the reader to listen to the music.

Who do you think the audience is for “A Book about You”?

I can’t really narrow it down to any age or educational background. Thank G-d I am getting very positive feedback from a very diverse readership.

How do you hope this book will help with building selfesteem and strong Jewish identity?

This book isn’t about pumping people up to convince them that they are something they’re not. Rather, it’s about uncovering the truth of the greatness already inside of us.

You can search for a goldmine anywhere in the world but if your research doesn’t point to a probable place to dig, the results will be very discouraging. This book shares the Torah wisdom that makes us more aware of the goldmine within ourselves.

What is your goal for readers of this book?

I hope to help people find their true selves within the framework of a Torah life, and at the same time I pray that it will promote Jewish unity. These two point go hand in hand because the more you love yourself, the easier is to love your neighbor. Jealousy and disunity come from failure to appreciate the fact that we’re all created differently and that each one of us are here to fit our own piece into a unified puzzle. If the violinist in the symphony picks up a trombone, we’re all in big trouble!

Why do you think so many people in today’s society’s struggle with low self-esteem and a lack of identity?

To really understand the answer to this question, I suggest visiting the park in your neighborhood on a Friday night and ask the kids who are drinking and smoking if they feel love and acceptance in their homes and schools. Feeling self-worth and love is increasingly difficult as demands and alienating expectations are forced upon them. In fact, it’s a wonder anyone has self-esteem when everywhere we look, “success” is defined by our ability to be someone else. True success is very individual and internal. We need to discover who we really and encourage others to do so as well.

Does the launch of your book have anything to do with Rosh Hashanah?

Very much so! We all want to enter Rosh Hashanah with clarity about who we are and what we’re here to achieve.

When we do so, we have a much greater chance of reaching our goals in the new year. 

Book and music available at most book stores or online at www.realyouproject.com or amazon.com For speaking engagements : david@realyouproject.com 054 784 7011

Bizness Magazine

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MO RTG A G E

Up, Down and All Around Interesting Times

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

T

he news of the day is “markets are volatile”, meaning they have gone up significantly over the past few years, (in China’s case within a year), then over the past few weeks we have seen the markets lose significant value in a few days, then gain it back, then lose it again and then gain some back (as of the writing of this article). To explain what has caused this goes beyond the scope of this article, but among the most obvious reasons is a combination of the People’s Bank of China (PBOC), China’s Central Bank, devaluing the Yuan (the unit of their currency the Renminbi), and economic data that shows China’s economy is slowing down. These factors and others have seemed to ignite fear in the markets, while there are those, in both the US and Europe, who feel an interest rate increase by the Federal Reserve is needed.

In our own economy, the Madad (an acronym representing something similar to the Consumer Price Index or CPI found in the US) has been constantly increasing on a month to month basis since the second quarter of this year. This has caused interest rates on mortgages in Israel to increase. This created a situation we have not seen in many years, where interest rates seem to be increasing for the long-term market. For the first time in quite a while, mortgage borrowers bear the risk of interest rates rising throughout the process, from getting approved and signing loan documents, until the loan actually funds. Keep in mind everything is subjective. A Mortgage interest rate today of 4.1% for a 30 year loan is within the norm (40% down, good credit income, etc) whereas 4.7% would be considered high; however, just a few years ago 4.7% would have been considered low. Years from now, reading this article, we have no idea if our future selves will be looking up or down, meaning will these interest rates seem very low, or will they be at or above the current mortgage interest rates at that time? The bottom line is no one knows. If a “bear market” (a term used to describe a market where everyone wants to sell more than buy shares and, given the principles of price and demand, prices drop) persists internationally, and the fear of the effect internationally of a prolonged weakening of the economy in China continues, (since today China is a major consumer it can affect many other countries’ economies), this may dampen the Federal Reserve’s rate increase. This is because a weak economy and bear market sustain low interest rates. In Israel we survived

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the aftermath of the 2008 Bear Market in part due to the stewardship of the Governor of the Bank of Israel, Dr. Stanley Fischer; interesting to note that currently Dr. Fischer, who at present sits on the Federal Reserve board, is among those who feel a rate increase now is appropriate.

This economic environment has an effect on interest rates as well as on what is called the mortgage underwriting process.

These are the rules and requirements that determine if a borrower can qualify for a loan, as well as determining the loan amount, interest rate, and other conditions. In the same way as investors become more conservative, everyone starts being more concerned with not losing money than maximizing how much they make; so to with the lending industry, and especially the mortgage industry, becomes more conservative, i.e. it is more difficult to get a loan.

How what is going on in China, and the decisions of the Federal Reserve board, will affect us here in Israel, we will have to wait and see.

While the future is unknown, here in Israel we have a government that is putting more attention on housing finance than any Israeli government in many years. For the first time in many years I am actually hopeful our little housing finance market here in Israel can finally evolve; so from this optimist’s perspective there are more things looking up than just the interest rates.

On that note I would like to wish all our readers a healthy and happy 5776 filled with simcha, bracha and hatzlacha. 

Bizness Magazine

073-796-2226 ext. 711 questions@movillefinance.com www.movillefinance.com

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PROPERTY MANAGEMENT

Why It’s Better to Have an Average Property With an Excellent Property Manager than an Excellent Property With an Average Property Manager

By David Chernin What do you need to understand about property managers and their role?

1. How vital they are in the success of your investment 2. Potential consequences of a weak property manager 3. What to look for in a property manager The property manager is in control of your property on a dayto-day basis. He makes sure repairs are taken care of and the property stays in working order, places the tenants and keeps an eye on them while they are there, and most importantly he stays in communication with the owner about the property. If your manager doesn’t know what he is doing, or isn’t overly concerned with how he is doing it, here are some negatives that can result: Higher Vacancy Rates–the property manager assesses the best tenants; a poor tenant candidate can result in bounced checks, high turnover, property damage and evictions.

Higher Repair Costs–the owner depends on the property manager to be his eyes and ears on his investment. With an inattentive manager, small problems become bigger more costly ones. An inexperienced manager, or one managing a small number of properties, will usually not have a keen sense of how to approach many issues or know the right person to call for the job, often resulting in extra work. He will also have to pay “full retail” and pass the costs plus his time to the owner. Finally, it is sad to say, but many managers bill the owner for “repairs” that were not needed at all.

Confusing, Irregular Financial Data–the inability to rely on a property manager to provide regular accounting that the owner can understand results in stress at tax time and an unclear understanding of what is happening with his property. This is critical for owners of multiple properties, an area in which we excel.

What Makes a Good Property Manager (yes—they do exist!)

Feeling of Trust–a good manager will have a system to stay in touch with the owner. When issues arise, the owner will be con-

sulted, and if he cannot be reached, the manager will not only handle the property smartly, but care about the owner’s expenses.

Good and Quick Communication: A good manager, or someone on his team, will return calls and emails the same day or at least within 24 hours.

Proper Maintenance that Doesn’t Break the Bank–Any owner can call a contractor from 3,000 miles away. Why pay someone to do that for him? A professional manager with a large portfolio of properties will have developed a reliable team of service people who want to provide timely and top notch service to one of his best customers. A good manager’s experience will help him match the right person for the job, lessening the likelihood of a redo.

Advantage of Monthly Fee and the Hourly Fee–The monthly fee the owner pays should ensure ongoing oversight (site visits, maintenance reports, scheduling service, being “on call”). An hourly fee is usual for time the management staff spends on services that are out of the ordinary. A really good manager is one who, if a tenant calls and says the toilet is not working, will go adjust the floaty ball himself and not charge an hourly fee for such a minor issue.

Knows the Importance of Tenant Quality–Any period of vacancy is stressful for an owner, but being patient in finding the right renter is key. Good managers may not place renters as quickly, but when they do, the renter is well qualified and shows all the signs of holding up their end of the lease. In the long run, good renters will cost much less than trying to fill the property with just anyone.

Flexibility–Some firms offer an “off the shelf” package of essentials to their clients. This often works for the owner who is more hands-on and may have local contacts to take care of repairs and improvements. For owners far away or those that do not want to take on the day-to-day, flexibility is key. Every owner is different and has various goals and priorities. The professional manager will understand this and offer services that suit those requirements.

Look out for our next article in Bizness Magazine: Questions to ask when hiring a property manager.

Trusted Property Management Experience. Service.

A division of the Zedek Group 052-690-6629 cell, 02-547-2638 office David@Zedekgroup.com 16

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Bizness Magazine

02 999 3939

Shalom Bayit:

This Year, Be Married Happily Interview with Chaim Siegel, Marriage and Dating Counselor and Author of The Zivug: The Secret Of The Zivug According To The Zohar Chaim, what is it that you specialize in?

I’ve been working with both couples and singles who are experiencing difficulties either in their marriage or in finding their match. Many of the couples that I work with are either in a difficult period of life together, in divorce court, thinking about divorce, or already divorced. If there are children involved, they are the ones that usually end up suffering the most. In each case I help them find an opening to get them through the rough patch. Many times I’ve found that the main issue can be fixed in one meeting.

What makes you different?

I believe in being there for the couple or single throughout their process, so I don’t believe in charging per meeting. It’s necessary to initially meet, but thereafter I want them to call me ‘real-time’ as much as they need to help to fix each point, for no extra fee. I found it works great. I become a part of their life, for a short while, to get them back on steady ground.

It’s like a child learning to ride a bicycle; until they can ride by themselves you hold their hand.

What is your success rate?

My success rate, Baruch Hashem is very high. When children are involved it’s even higher because there is so much more at stake. For singles it’s above 50% and I work with singles in their 20s, 30s, 40s and 50s. The main factor I found for success is consistency, which is why my working model is to be there for them whenever they need me for a time after the first meeting to help them get there. I’m here to save marriages and help get people married, so I don’t believe in per-visit-pay.

It holds people back from receiving crucially needed help at critical moments.

What are your main secrets of success to bring a marriage back to life or get someone single married?

Couples can give up. They can think they married the wrong

person. I know that it’s never the case. I’ve seen each time that the couple can and does get back to the highs in their marriage - or higher - once the smoke clears. My confidence is contagious.

For singles, it’s based on being consistently and solely ready to do for someone else. It sounds simple but the world and Internet encourage self-gratification while the Torah, both the revealed and hidden, teach giving. When Hashem sees a person is ready to truly give, He can send his soul-mate that week. I’ve seen it.

What would you say to any couple or single?

Each person should know that the extra energy you put in to be successful will reverberate exponentially for you, your children, and the world for generations. It’s worth it to find the solution. For a single person, his soul-mate has been waiting for him to be ready. She’s usually ready. Time keeps moving.

It’s imperative to figure out why I am single and what does Hashem want from me so He’ll send my wife or bless me with harmony in the home. 

052-767-1964 www.BIZNESSMAGAZINE.com

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PERS O N A L FI N A N C E

Financial Resolutions for Rosh Hashana

By Richard Gussow

R

osh Hashana is the time of year when you tell yourself that you will make changes in your life that will make you a better person. There are some obvious things that come to mind. Spend more time with the family. Learn more Torah. Do more mitzvahs. And give more tzedaka.

One area that might not be an obvious choice for a new year’s resolution is your financial situation. You might think that there is not much you can do about it, but you can. Here is a list of financial resolutions for the New Year that I believe will help you improve your life: • Learn about your financial position. Do you know what your net worth is? How much do you have in assets (cash, investments, retirement funds, real estate)? How much are your liabilities (loans, mortgages, credit card debt)? What kind of pensions do you have – manager’s insurance (bituach menahalim), kupat gemel or a pension plan? We had one client who thought he knew about his finances. That is, until we discovered through our standard search methods that he had a bituach menahalim policy with a value of 1.5 million shekels that he had “forgotten” about. What assets have you forgotten about?

• Stop overpaying for financial services. Most people don’t know how much they are paying for financial services. Many people think they pay nothing when they buy financial products, but they are paying commissions and management fees that are not always transparent. And don’t get me started on banks. I am often stunned at the fees some of my new clients are paying when they come to me. Don’t think it is just Israeli banks. Many of my clients have accounts at European banks, who are notorious for the fees they charge which do not in any way justify the service. Be aware that fees are negotiable, and large discount are often available. I recently assisted an elderly client slash 80% off the trading commissions the bank normally charges.

• Finding the best retirement plan for your needs. There are several products on the market. Are you getting the best one for your needs, and at the lowest cost? Are you getting the lowest fees possible? A few years ago, a disreputable insurance agent convinced a new client of mine to buy a new bituach menahalim policy, when his older one had far superior terms.

It cost him dearly. Israeli pension rules change constantly, and it is difficult even for professional advisors to stay on top of 18

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them. With the latest rule changes, pension funds are almost always a better choice than bituach menahalim – they are less expensive, which means you get a higher return and a more comfortable retirement.

• Allocate your investment funds in accordance with your goals and your personality. Everyone should take some risk with their portfolios, especially in today’s low interest rate environment. The question is how much risk? Basically, take as much risk that you can that will also allow you to sleep at night. One client thought he could tolerate a 30% allocation to stocks. He couldn’t, and I advised him to lower his exposure.

Generally, stocks will provide higher returns in the long-term, but will have higher volatility. Depending on the client’s needs, I tend to advise clients to maximize their stock exposure in their retirement funds, and minimize them in their regular investment accounts.

Is this overwhelming? It doesn’t have to be. You don’t have to do it alone. An independent and objective financial planner can help you to succeed with your resolutions, and help you to achieve your financial goals. Achieving those goals will make you a better person. For it would allow you to spend more time with the family, learn more Torah, do more mitzvahs, and give more tzedaka.  The information is not intended to be, and does not constitute, financial advice or any other advice. It is general in nature and not specific to you.

Before using this information to make an investment decision, you should seek the advice of a qualified investment advisor and undertake your own due diligence.

Bizness Magazine

(03) 970-7070 (052) 806-6690 richard@theservice.co.il www.richardgussow.com

02 999 3939

Home Care Optical Before making Aliyah, Shauli Zacks was the director of marketing at Eye Travel, an ophthalmologic home care practice in Detroit, MI. Before opening Home Care Optical in June, Shauli worked in the online marketing field here is Israel. After several years, he decided it was time to return to the wonderful world of eyes and home care.

Home Care Optical sounds intriguing. Please explain who you are!

Our goal at Home Care Optical is to make buying prescription glasses as convenient, easy and affordable as possible. We have a large selection of quality frames, some name brand and others generic, which we bring to your house. Once a frame is selected, we make sure that it fits correctly, make any adjustments that are needed, and then we send them out to our lab. We can make any kind of glasses that a person needs, whether single vision, bifocal, multifocal or reading glasses. If the prescription is high, we can make a hi-index lens so that it isn’t too thick. We also produce prescription sunglasses and transition lenses. Once the glasses are ready, I’ll either bring them to the client’s house when I’m back in the area or send them via mail, whichever method will be faster.

Currently, I don’t do any vision testing at home, so what I need is either for the client to know what their prescription is, whether they had recently gotten their eyes checked and have the prescription or they just know what their number is, or I can get it off of their current lenses. Beginning in December, I will have mobile equipment that will allow me to do a vision test in the home and come up with a new prescription.

How did the idea come about?

The idea came from my father. He is an ophthalmologist who has had a practice for the past 25 years in Detroit, Michigan, that specializes in home care. He saw that a large number of his patients needed an optician more than a doctor. We did some research and saw that we could fill a need with a home care optical shop, and it pretty much evolved from there.

Who’s your typical client?

Initially, I was planning to focus on senior citizens--people who are homebound or have a difficult time getting out to buy glasses. However, once I got started, I began hearing from people of all ages that preferred the convenience of having Home Care Optical come out to them. Now my typical client has become anyone from the age of 21 and above.

Do you have as large of a selection of frames as a regular store? Do you bring all your frames with you on a home visit, or are some seen only via catalog?

I have approximately 100 different frames; men’s, women’s and unisex, and I bring them all with me on a home visit. You can visit my website, www.homecareoptical.com/our-frames, to see my catalog. I work with three different suppliers here in Israel, which allows me to have a variety of brands and styles. So far, I haven’t had a client who couldn’t find glasses that he or she liked.

What are the advantages of your service as opposed to going to a store, or ordering online?

The main advantages of using my service over going to a store are that you save both time and money.

You save time because instead of finding a time during the day to slip out from work or bundle up the kids and head to the store, we’ll find a time that is convenient for you and schedule a meeting then.

You’ll save money because I’m able to keep my prices lower than the typical store, due to my low overhead, and I pass those savings on to my customers.

There are also several advantages that I have over an online store. Instead of looking at a picture of the glasses and hoping that they fit your face correctly, you can try on all my frames and see how they look and feel. For people who are going to buy bifocals or progressive multifocal glasses, I take all the necessary measurements to make sure that the bifocal or progressive line starts in the proper place. Finally, there’s the customer service that I provide. I’m here in Israel, and I can come back to you after you receive the glasses if you need an adjustment or are having any other issues with your glasses.

Do you have an ophthalmologist on staff that can give examinations and prescriptions?

Yes. I have partnered up with an ophthalmologist who comes with me on Thursday and Fridays. He gives a complete eye examination in the house, and that includes coming up with the prescription.

Beginning in December, I will have some new equipment that will allow me to complete a vision screening in the home and come up with the client’s prescription without having to bring the eye doctor along.

What areas of Israel do you service?

I see clients in the Jerusalem, Gush Etzion, Gush Dan, Mercaz, Sharon, Shomron and Binyamin regions. Whether it’s a private home, office, assisted living facility, nursing home or senior center, we’re happy to come out to you.

Is there a charge for a home visit?

There is a 75 shekel charge for the visit, but it is waived with the purchase of a pair of glasses. If you schedule an appointment with the eye doctor, there is a 300 shekel charge (200 with the purchase of a pair of glasses).  052-470-2041 Shauli@optika-ad-habayit.com www.homecareoptical.com

www.BIZNESSMAGAZINE.com

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INSURANCE

Insurance Introspection

By Shimon Cohen

It’s that time of year again – a time for introspection and checking oneself.

How about this insurance “Cheshbon Ha’Nefesh” 1. Have you made a will?

2. If something were to happen to you, as parents – have you left clear written instructions regarding your children?

3. Do you have life insurance? Have you reviewed it recently?

(Have your agent give you a full list of the amounts that you and your spouse carry.)

4. Disability – sometimes this is needed even more than life insurance, for example if you lose the ability to work for next 25 years who fills that financial gap? Make sure that your life insurance has a rider including this, or for professionals, a separate policy.

5. Are you a ‫ ?שכיר‬Ask your employer’s insurance agent to give you a break-down of your Bituach Minhalim. Then ask your personal agent if you are getting the best deal.

6. Supplementary Health Insurance – A child needs a complicated eye-op which can be done best in the U.S. or you need a hernia-op but prefer to go to someone who is not on your Kupa, or someone needs major surgery and you want a second opinion – in all these cases, a private, supplementary health policy would be of great benefit. It is relatively inexpensive – check it out.

7. Car Insurance – make sure that your car is insured for all drivers who use it (i.e. young/new/temporary/visitors). Always let your agent know even if someone takes it for a short spin.

8. Home Insurance – Do you have an assessor’s report for your contents? Have you looked into switching your building insurance (which comes with your mortgage) from the bank to a private insurance company?

The past is history The future – a mystery What happens is a gift and that is why it is called “the present”!

Claims! Claims! Claims!

We have all been through it! Your car is innocently parked outside the shopping center. You return to find a huge dent in the side of your car with a “sorry” note on your windscreen.

You repair the damage and then, because the other party is totally at fault, you make what is called a ’‫( צד ג‬third party) claim against his/her insurance. Now, what are your rights and obligations? a) You can only claim once for the damage. Therefore your insurance company must supply you with a no-claim letter to prove that you are not claiming from your own company. b) You are obligated to lessen the damage as much as possible. (You cannot wait for 2 weeks to repair a broken windshield and then also claim for rain damage to the seats). c) The other party’s insurance company has to confirm the receipt of your claim (This confirmation usually comes to your insurance agent). d) The $64,000 question – by when do they have to pay?

The law – you must receive payment within 30 days of their receiving all the paperwork necessary for a claim.

The 30 days are up and no payment is in sight? They have to add the C.O.L. linkage + 4% interest from the day that you sent in the claim. e) What if they agree to pay only 50% of the claim (i.e. you claim for twodoors and they agree to pay for one only).

By law, any amount that is agreed upon by both sides must be paid and what remains can be decided in court. Therefore if you receive a check from the insurance company for 50% which requires you to sign a full waiver of future claims, you must consult with your agent before signing and make sure that you leave your options open. 

May Hashem bless us all with courage, good health and fulfillment in both the spiritual and material worlds.

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Bizness Magazine

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

02 999 3939

Chol Hamoed Sukkot Activities in Moshav Tzafririm!

15 minutes from Beit Shemesh, 45 minutes from Jerusalem

Come visit our gallery in Moshav Tzafririm during Sukkot vacation!

Sukkot workshops will take place on Tuesday, Wednesday and Thursday, September 29, 30 and 31 at 10:30 AM and 12:30 PM • Call to register in advance.

A visit to our Gallery is an enchanting and enjoyable experience you do not want to miss! The space is capable of accommodating both small and large groups.

These unique Creative Workshops are suited to adults and children alike (no special skills or prior experience is required). So be you a family, a group, an organization, a school, a class, a seminar, or Taglit… If you are looking to celebrate a birthday, a Bar/Bat Mitzvah, learn something new or just have fun… we offer you an unforgettable joyful experience of creation individually and as a group. Using our unique technics and paints you will find your inner artist and leave with a creation of your own and a lot of fun memories.

Activity Duration: An hour and a half to two hours.

Aharon, our certified tour guide, will take you on an unforgettable nature excursion in which you will discover firsthand the magnificent Adullam region and its fascinating stories and history, all of which are right at our doorstep.

Activity Duration: From two hours to a full day

Reut, Kakadu’s Designer, is also a musician who specializes in ancient Jewish Psalms, from various historical periods, she conducts exclusive workshops in which all partake; singing and playing an assortment of instruments collected from the four corners of the globe. Reut also hosts live performances of original music in which she is joined by fellow musicians.

TrailHead

The Best Place for Family Biking!

Nekudat Motsa is located in the center of the picturesque Judean Hills. Here you can rent bikes and head out on a self-guided ride with a map, or follow one of our local guides. Include a visit to one of the fascinating ancient sites around us, with caves and hiding tunnels. We are located in Moshav Zafririm, together with the wonderful ‘Kakadu’ art gallery.

BIKE RENTALS :

For more details and reservations, please contact us at:

with this ad for Bizness readers.

02-5799268 / 052-3866544 uri.tishler@nekudat-motsa.co.il www.nekudat-motsa.co.il

15% off

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PA

PA I N TI N G

Ten Tips for Hiring a Painter

By Nachum Eilberg

Y

ou have finally decided that it is time to paint your home.

Painting is one of the most economical ways to transform your home and achieve a dramatic new look. The following tips will help you find the right painting contractor for you.

1. Ask friends, neighbors and relatives for recommendations.

It is always better to hear from people you know and trust that they were happy with the painters they used. Hearing firsthand of how the project went is far better than just calling from an advertisement.

2. Define what you want painted and get comparative quotes.

It is very important to go around your home with a painter and look at each and every room to decide what you want painted.

Some rooms may have a ceiling in great shape, with no need to paint it. Sometimes a room has a wooden door and windows that need painting. It is critical to have the painter give a detailed estimate, this way there will be no surprise expenses at the end.

Without a detailed estimate you can expect such unpleasant surprises, and it is advisable to stay away from contractors who do not provide a detailed and itemized estimate.

3. Make sure your painter is insured. There have been numerous cases of painters being hurt in people’s homes where they were not insured, and ended up suing the home owner. Any professional painter will have the appropriate insurance.

4. Have the painter provide references. Ideally a painter should have already been in business at least several years, and should be able to provide references of satisfied customers in your area.

Upon receiving these references, follow up and call these people. It is very important to hear from others how the work was done, and how it is holding up. If you do not get positive reports from these references then you certainly should look elsewhere.

5. Have the painter explain the painting process to you. Are you going to be able to sleep in the room the same night it was painted? Are they going to work all over the house at once, or work on one room at a time? How many people will be working? How are floors covered and your furniture protected? It is important that these and similar questions are all answered to your satisfaction.

6. Discuss the quality of the paint and the preparation process.

There are many shortcuts that can be taken when undertaking a paint job. If you want a high quality paint job that will last, then shortcuts cannot be taken. Make sure the painters invest a significant part of the day in the prep stage. If a painter is ready to 22

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start painting right away, you can expect an inferior job that will not last.

7. If you have any special needs, make sure they are being addressed. For example, if you are painting a newly constructed home, it is important to prime first. Skipping the priming step will cause the walls to peel prematurely. If there is a mold problem, special anti-mold paint needs to be applied to ensure that the mold with not recur even in the coldest and rainiest winter days.

8. Timing is very important in a paint job. You want someone to come in, start the work with a team and continue working until they are done. You don’t want painters to come in, begin working on your project, and then leave you in the middle to start another project somewhere else – a cause of great frustration to customers. This is another reason it is crucial to check references, ensuring you choose an honest and reliable painter.

9. Warranty is also important. If you are paying extra for anti-mold paint or for a pergola paint with UV protection, the painter should warranty his work. A painter should come back and take care of touchups if a leak caused damage to his work.

It is important that the painter keep accurate records, so he knows what colors were used if repairs are needed. Ideally, a painter should leave a jar of spare paint for touchups for each color.

10. Feel free to call Walls R Us Painting for a free in-house estimate. We are certain we will meet and exceed your expectations, making your painting experience as pleasant as possible.  Nachum Eilberg of Walls R Us Painting, will be happy to answer any painting related questions. Please submit questions to nachum@wallsruspainting.com and perhaps your question will be published in a future issue. Nachum of “Walls R Us Painting” can also be reached at 052-611-9500 or by visiting the company website at: www.wallsruspainting.com

Bizness Magazine

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

02 999 3939

Dreaming of a once-in-a-lifetime holidays to an exotic destination?

Time to India!

Jewish Heritage and the Golden Triangle A fascinating journey into the land of the palaces and its rich Jewish history November 8 - November 24, 2015 Professional Tour leaders, Dr. Rona and Dr. Aaron Michelson • Elal flight • Exotic sites • Rich itinerary • Glatt kosher

indiakoshertravel.com • 972-3-6708285

GUARANTEED DEPARTURE Limited seats available

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HP

Holistic Psychotherapy

The Power of Gratitude

By Minda Garr, MSW

O

ne of my mother’s z”l friends used to refer to her as the “Thank G-d Woman.” Whatever was going on in her life, whether positive or challenging, she would end every conversation with “Thank G-d for that.”

Part of being human is having challenges in life. Some are more difficult than others, but none of us are free of challenging situations. We often face events in our lives over which we have no control. When they suddenly occur, we can find ourselves feeling overwhelmed and without resources to cope. We may look to our faith to sustain us, or we may question why this is happening in our lives. But it is in how we choose to respond to whatever is happening that we can make a difference in our own experience.

Gratitude has an amazing power to it. It is built into our Jewish tradition on a daily basis. On awakening, the first thing that we do is to thank G-d for returning our soul to our bodies. We are taught not to take the most basic of life’s experiences for granted.

Just opening our eyes once again in the morning is a great blessing that has been bestowed upon us. We thank G-d in many ways throughout the day for all that He has given us. It is structured into our ritual.

But when we lose our attentiveness to the words we are saying, we may also lose the intent behind the words. We need to be fully conscious, fully aware, as we express gratefulness for the blessings in our lives. We need to connect to the words, adding even more of our own. When we express our gratitude with clear intent, we are reminding ourselves to focus on the positive. Joy is not to be found in the focus on what we don’t have. We find it in our gratitude for what we do have.

I once gave an exercise to a group of university social work students in a course I was teaching. Before each class began, I asked each student to state five things she was grateful for. In the first few classes, the students really struggled to come up with more than one or two things to say. They would shift uncomfortably in their seats, looking at each other for cues as to how to proceed. They listened attentively to each other, hoping to get ideas for what they could say when it was their turn. During the first class, just coming up with things that they were grateful for took the students most of the 90 minute class. As the semester progressed, it became easier for the students to find things to share.

And during the last class, it was hard to stop them. Each student began reciting a long list of things in her life that she was grateful 24

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for. In this final class, it took almost as long for the students to go around the circle as it did in the first class. The difference was that this time it flowed. They were unstoppable in their desire to share all that was right in their lives.

What we can learn from this is the power inherent in gratitude.

Focusing on what is right instead of what is wrong energizes us and infuses us with positive feelings. Even though we still have our challenges, we will find that we have much more stamina to face them. When our starting point is gratefulness, there is no stopping the sense of well-being that we begin to feel. When we express gratitude, we are fully conscious of the blessings in our lives. We connect more deeply to our ability to live life to the fullest, taking advantage of each precious moment. Gratitude is a skill that needs to be practiced. With each practice session it becomes more natural, until we find ourselves acknowledging each gift in our lives. When we have fully internalized the expression of gratitude, it becomes one of the best habits we can have to face the daily challenges of our lives.

As a young client dealing with cancer said to me, “Thankfully I have a great doctor. I am staying quite positive because there doesn’t seem to be another option… a positive attitude will help the situation more than it will hurt.” I am humbled by her ability to find what to be grateful for as she faces this difficult situation. And I am reminded of my mother z”l, who even in adversity would say “Thank G-d for that.” 

Bizness Magazine

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

02 999 3939

“Gymnastics is cool, fun and challenging all at the same time.”

Interview with Shira Slovin of Shira’s Gymnastics Chugim

Shira Slovin is an experienced gymnast who is opening her 5th year of gymnastics chugim in Ramat Beit Shemesh in September.

Shira, what is your background in gymnastics?

I started taking gymnastics classes when I was seven years old, and at sixteen, I joined a competitive team. Being part of the gymnastics team required dedication and involved nine hours a week of intensive training. I was on the team for two years, where I competed with other advanced girls. My professional background is in physical therapy, and I incorporate this valuable knowledge and experience into gymnastics, as one of the goals of the chug is to develop and maintain proper strength and fitness. I hold a Doctorate of Physical Therapy from New York Medical College and have practiced in both the United States and Israel.

This extensive background has enabled me to lead my own gymnastics chugim, and BE”H Shira’s Gymnastics Chug is starting its 5th year.

Where are the chugim located and how many groups do you run?

The chugim are located on Nachal Ramot (a cross street of Nachal Revivim) in Ramat Beit Shemesh Aleph. I typically run four weekly chugim, but due to many recent requests, I plan on BE”H adding a fifth chug for young boys this year. The age groups for my chugim currently range from four until thirteen.

What exercises do you begin with in the early lessons?

In all of my classes, I begin with warm-ups and stretching. For the more advanced and/or older groups, I place a greater emphasis on proper form and intensity of stretches. Afterwards, I jump right into the regular gymnastics, starting from the first day of the chug.

Gymnastics is all about perfecting the more basic skills in order to move on to the more difficult skills, so there is a lot of repetition until the skill is mastered. There are a variety of skills to learn, so I balance the classes with a fun mix of these skills to keep the children interested. In doing so, the children improve their skills while maintaining their excitement about gymnastics. Some examples of basic skills that are taught are forward and backward rolls, cartwheels, handstands and backbends. Once they have built this foundation, they learn more advanced skills, including back extensions; one-hand and no-hand cartwheels; handstand-forward rolls and handstand-backbends; and front and back walkovers.

Which safety precautions are the most important in gymnastics?

Safety is a priority in Shira’s Gymnastics Chug. I have invested in obtaining good quality mats, which are specially designed to absorb impact and reduce the risk of injury. In addition, I am very careful to only allow a child to perform a certain skill if I know

that they have the ability to do it safely. I do not push kids to do things that they are not ready to do, and I am always there with them one-on-one to spot them. The chug also has a well-trained assistant to ensure that the children receive the proper and necessary attention and guidance. As a responsible precaution, the chug is covered by an insurance policy from a reputable provider.

Can someone who has conditions such as poor balance or hypotonia (low muscle tone) join?

Absolutely! In fact, a lot of parents have asked me this exact question. What I tell them is that gymnastics is a great way to strengthen weak muscles and improve balance in a fun way.

What do your students love the most about coming to your chugim?

The kids who come to my classes enjoy seeing their progress while having a great time with their friends. Gymnastics is cool, fun and challenging all at the same time. The thrill of mastering a skill is fulfilling, and gives them a sense of pride and self-esteem as well as a boost in confidence.

What is your goal for your students?

The goal for my students is to achieve their potential and have a great time in the process! The focus of Shira’s Gymnastic Chug is for the children to master the skills to the best of their ability and to develop an interest to strive for the next level.

What is the hardest part of being a gymnast?

There are very few opportunities for girls who want to learn gymnastics, especially for those who prefer a more private and personal environment. I feel privileged to provide a venue for girls who are both interested in learning gymnastics and strive to receive the personal attention and encouragement that is necessary to succeed.

Until what age do most students keep up with gymnastics?

Great question! I have found that gymnastics is not one of the many passing interests that children tend to abandon after a couple months. In fact, I have received calls from girls in their mid to late teens asking if I could instruct a group for their age.

Investing the time and effort in gymnastics is very rewarding and helps children maintain good health and strength throughout their formative years.

What do you enjoy the most about your work?

What I enjoy most is that I get to utilize my passion for gymnastics through teaching and watching my students develop their skills. I am privileged to have the opportunity to train so many children in what has been a passion of mine since I was their age.

I also enjoy watching them try hard, accomplish their goals, and develop self-confidence. That is very rewarding!  shiraslovin@gmail.com 052-769-9364 www.BIZNESSMAGAZINE.com

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Expert

WL

W eight lo s s

Prep is the First Step: Prepare to Win the Holiday Weight Gain Battle

By Dr. Bo Rosenblat, M.D. Chief Physician, Dr. Bo’s Diet

T

he holidays are when many people find themselves overwhelmed by the environmental challenges of eating healthy. You may find yourself surrounded by your favorite holiday fare for what may be days, and sticking to healthy habits can be a daunting task. There are, however, things you can do to give yourself the best chance for success and healthy eating.

Number one on the list is: prepare. Below are my tips for helping you build a game plan for success during the holidays.

Prepare Lighter Foods You Enjoy. Just because you are used to making highly caloric and fattening foods, doesn’t mean you can’t tone it down a few notches on some dishes and incorporate healthier versions of holiday staples. Most people don’t want to feel deprived during the holidays, so don’t just make yourself the same things you eat on a regular weekday. Take the basic idea of a holiday food and find a healthy way to enjoy it.

For example, if apple crumble is your normal holiday dessert, try a baked apple or a low fat cobbler with more apples and less crunch. Also, try starting your meal with soup instead of an appetizer. With the exception of cream based or starchy soups, you will generally fill up on relatively few calories and a lot of water, keeping your stomach fuller and your cravings at bay. If you feel as if what you are eating is special and delicious you won’t feel as much temptation.

Prepare to Say “No, Thank You.” Very often during the holidays we are eating out at family and friends, making it a tricky time to eat healthy. The harder part, however, is usually saying “no” to the host. When your friend or mother-in-law says, “I made this just for you”, it can put you in a tough position. Go in prepared with a funny or complimentary line that you can say so you don’t feel stuck Something like, “I wish I had left room but everything else was so delicious I may burst if I eat more.” Before indulging in dessert, first start with a hot cup of tea or coffee.

Often, although we are not hungry, sitting around the table causes us to pick and nibble. If you can occupy your hands with a warm beverage you will leave yourself less susceptible to mindless eating. Most people won’t care if you say yes or no to dessert, so long as you are polite and effortless.

Prepare to Indulge...Within Reason. If you go into the holiday meals thinking you won’t be eating anything unhealthy, you are most likely setting yourself up for failure. Having an all or nothing mentality about your routine means that at the first small 26

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indulgence all bets are off for your diet. It is easy to feel that since you already “failed”, you may as well continue to indulge. If you take a more honest approach with yourself you can plan ahead for deviations. Go in prepared to choose one higher calorie item you can enjoy. Making a conscious choice of where you are putting those calories means that you are still in control of your diet and your choice, and you won’t feel as though you have cheated or failed. A couple of conscious indulgences are less likely to affect the scale, but an all or nothing mentality may cause you to jump ship on your diet.

There is a big difference between a conscious and controlled “cheat” and an unconscious, uncontrolled binge.

Prepare to Move or Remove. The chance of your eating more calories during the holidays is likely; however, there are some things that you can plan for to help you keep things in check.

Make plans to keep busy – away from the dining room table or kitchen. Many of our unconscious calories come from picking at food once the meal has ended. Remove yourself from the temptation by going for a walk, playing a game, or reading a book. Try doing something you enjoy, so that you don’t feel as though you are punishing yourself. A change of environment is the easiest way to avoid undue temptation.

Almost everyone will face some challenges during the holidays. Just because temptations may be higher doesn’t mean you should avoid social settings altogether. Redefine the holidays, with new foods and new habits. This will help you create a healthier version of the holidays for you and your family to enjoy.  Dr. Bo Rosenblatt is a Board Certified Medical Doctor who has served in many leadership positions in hospitals and clinics, and has lectured for physician organizations all across the United States. Dr. Bo’s Diet is a comprehensive, customized 5-Phase Weight Management Program producing rapid weight loss in the short term, and healthy weight management in the long term. For more information call 077-228-5877 or email details@drbosdiet.com

Bizness Magazine

077-228-5877 details@drbosdiet.com

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Expert

DC

DENTAL CENTER

Adult Orthodontics:

Beyond A Beautiful Smile

By Dr. Eliyahu Gherman, DDS

W

ith the advent of smaller, more comfortable and less noticeable braces, more and more adults are choosing to straighten their teeth these days. We find that most adult patients approach the orthodontic office with some trepidation. This apprehension typically stems from a combination of the following reasons: “Braces are for young people, my teeth and gums are probably too “old” to move at this point.” “I can’t walk around looking like I’m twelve and expect to be taken seriously.” “I have too many obligations in life to worry about cleaning between my braces every day and dealing with the discomfort.”

“I’ve made it this far without braces, there’s no point in rocking the boat.” In fact, many of the adults that do come in to the office are almost apologetic and embarrassed that they are considering braces, as if considering orthodontics as an adult is a sign of vanity or frivolity.

The truth is that braces are often more important for adults than they are for children. It is important that we educate our patients about the very important oral health benefits of orthodontic treatment, especially for adults. As we age, the name of the game in maintaining oral health is “bone support.” Think of your teeth as poles in cement. If the cement wears away, the poles start to tilt and eventually can come out. So are the teeth. In a child, poor periodontal health usually results in red puffy gums or “gingivitis.” Over time, however, the bone underneath the gums begins to erode as well. This is called “periodontitis.” It is extremely difficult to prevent periodontitis from developing and getting worse when the teeth are not straight! This is because periodontitis is caused by bacteria that collect in the crevices and folds of the underlying bone. Straight teeth mean smooth bone underneath and a cleanable dentition that avoids periodontal problems.

Patients who already have periodontal problems also benefit greatly from orthodontics. Very often periodontal breakdown leads to teeth that have shifted and unwanted spaces that are now present. Sometimes a food trap persists which can cause more bone loss.

Did you know that when teeth are moved in a healthy environment, new bone is formed? Bone is made of cells called osteoblasts and osteoclasts. When gentle pressure is placed on a tooth, the osteoclasts remove bone creating a path for the teeth to move while the osteoblasts lay down new bone. Even patients with many loose or periodontally hopeless teeth often benefit from the bone growth that orthodontic treatment can provide around those teeth or in preparation for implants. The sooner you address these nagging dental issues, the more effective and successful your orthodontic treatment will be.

One important note must be stressed. Orthodontic movement is, at its core, an inflammatory process. New healthy bone can therefore only be formed if the teeth and gums are clean and healthy and no other bone diseases such as active periodontitis or osteoporosis exist. At The Rechavia Dental Center, our team approach is ideal for adults that will benefit from orthodontics to increase the health of their teeth and bone. As I move your teeth, Doctors Kaszovitz and Schlussel make sure that the environment for bone growth is ideal. Many adult patients declare, “I’m probably your oldest patient.” The oldest patient we ever treated was 89 years old at the time (2002)!* So ask your dentist or stop in for a free consultation to see if you are a candidate for adult braces.... and go beyond the beautiful smile. 

Before

* This woman had lost many of her back teeth and her front teeth were spaced because of bone loss. She was told they were hopeless and would need to replace them all with a denture.

We built up the bone around the teeth through orthodontic treatment. Once they were together we also splinted them with a small hidden wire.

After 15 Ibn Gevirol Street, Jerusalem 02-561-9770, 02-561-9780 www.rechaviadental.co.il www.BIZNESSMAGAZINE.com

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NEW PERFUMES ON THE SHELF TO WELCOME THE NEW YEAR!

To welcome the chag, the perfume market is refreshing itself with new perfumes and matching discounts.

Here are some facts about types of perfume and how to select the right perfume for ourselves and for gifts.

Many tens of variegated and pleasant perfumes overflow the shelves, so how can we identify the perfume suited to us?

Perfumes on the market are divided into groups according to the characteristics of their aromas. Each perfume is made up of three layers - upper traits of citrus fruits, central traits of trees/wood and petals, and basic traits consisting principally of spices. The final result is derived from a mixture of tens of different essences selected from thousands of different aroma characteristics.

SCENT GROUPS The Oriental Group includes deep, sensual scents such as vanilla, musk and amber, and aromas of strong spices such as cardamom and cinnamon, particularly suited to the evening hours of Autumn and Winter.

The Floral Group, like its name, includes perfumes and aromas of familiar flowers such as roses, jasmine, and violet, or a combination of a number of types of flowers with the addition of fruity elements. The aroma is generally delicate and pleasant, suited to everyday use. The majority of popular women’s perfumes belong to this group.

The Refreshing Citrus Group refers to perfumes with the scent of citrus fruits (eg. lemon, lime, mandarin and orange), green leaves, green grass and sea. These are classic summer perfumes, suited to everyday use.

The Woody Group includes perfumes with the strong odour of trees and damp earth - mostly scents characteristic of male perfumes - but such elements can also be found in feminine perfumes, and are ideal for women who are fond of unisex scents.

The Fruity-Sweetish Group includes strong aromas of sweet fruits such as mango, peach, apples and pears. The scent is generally dominant, more suited to the evening hours. Most perfumes of pop stars loved by young women are associated with this group.

Some perfumes lend themselves to clear association with one specific group, others combine ingredients from different

groups, with one more dominant. Naturally, different people will react differently to similar scents. The natural scent of the body will also influence the final aroma.

SO HOW IS PERFUME CHOSEN? “The choice of aroma is also connected to mood, as with choosing clothes and makeup”, says Ronit Gilar, Cosmetic Manager of Super-Pharm Dizengoff Center.

“On different days you will feel you need different perfumes, so women choose to keep a number of different kinds, of varied aromas. They can choose from them according to mood, weather, purpose, and the event.”

When selecting perfume in a shop, Gilar recommends trying it out by spraying on the inside of the wrist from a distance of about ten centimeters, without rubbing. Wait a number of minutes before you spread it on yourself, so the first aroma will waft and you can decide if you like the scent.

At home it is important always to perfume oneself on a clean body after showering. To maximize the scent it should be sprayed on the pulse points - elbows, behind the ears and the inside of the wrist. Try to avoid spraying on clothing.

fresh spices - for all hours of the day and particularly summer days.

Lady Emblem Montblanc New from Montblanc- A combination in the bottle design: In the upper aromas are red pepper, complemented by pink grapefruit.

The two shimmer like a diamond, flashing thousands of aromas, arousing dreams… aromas of the heart work to emphasize the scent of the rose, with delicate petals of Chinese jasmine, juicy pomegranates throbbing out the pulse.

SWEET FRUITY PERFUMES Si Eau de Parfum Intense Giorgio Armani - Fruity aromatic perfume, very rich with an aftertaste of patchouli, vanilla and amber.

Fantasy Intimate Edition Britney Spears’ sensual and aromatic scent a mixture of juicy litchi, violet leaves and a touch of Italian lemon with Lily of the Valley, delicate jasmine, brown sugar.

Rogue Love by Rihanna Rihanna’s floral perfume - fruity, sweetish, contains aromas of caramel, vanilla, amber, coconut.

If you can identify your preferred group, it makes it easier to select a new perfume from the vast existing and constantly renewed variety.

Lover Sweet Juice Jeanne Arthes - Fruity-floral perfume, sweetish but delicate. Mainly suited to young women seeking happy perfumes, full of life.

FLORAL PERFUMES Hugo Woman Hugo Boss - a fruity-floral perfume with a boyish twist - a combination of a number of aromas traditionally considered “male”.

FLORAL PERFUMES Flower by Kenzo L’Eau Originelle Kenzo - A new version of the successful perfume FLOWER; floral, refreshing, airy, with delicate floral aromas.

Roberto Cavalli Paradiso Roberto Cavalli - a fruity, woody aromatic perfume incorporating aromas of cypress, pine, pink laurel, and jasmine with the assurance of a typical Italian aroma.

ORIENTAL PERFUMES INNOCENT Thierry Mugler - a sweetish oriental perfume with aromas of vanilla, amber and praline, with delicate fruity aromas.

Fun Desigual Desigual - a floral-fruity perfume - tropical aromas of passiflora, cranberries and peach.

Particularly suited to young women.

Ange ou Demon Le Parfum Givenchy - oriental aroma - woody with scents of jasmine, musk, patchouli and amber. Package contains two essences which enhance one another. Bottle contains the perfume next to the enhancing essence Accord Illicite.

Eau de Lancaster Lancaster’s new aroma for a veteran perfume. Floral, with a subtle aroma of

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PAMPER PACKAGES AT SURPRISING PRICES instead of

instead of

Roberto Cavalli Paradiso Package includes: e.d.p.75ml + body lotion 75ml + shower gel 75ml

Roberto Cavalli Signature Package includes: e.dp.75ml + body lotion 75ml + e.d.p.5ml

instead of

instead of

DOLCE & GABBANA DOLCE & GABBANA light blue Package includes: e.d.t 100ml + body cream 100ml + body & shower gel 100ml

DOLCE & GABBANA FOR MEN Package includes: e.d.t.125ml + aftershave 100ml + shower gel 50ml

instead of

1 Million for Men Package includes: r.d.t.100ml + deodorant 150ml

instead of

212 Sexy for Men Package includes: e.d.t.100ml + deodorant 150ml

instead of

212 VIP for Men Package includes: e.d.t.100ml + deodorant 150ml

instead of

BOSS BOTTLED FOR MEN Package includes: e.d.t. for men 200ml + deodorant spray 150ml +aftershave balm 75ml

DOLCE Buy Dolce perfume e.d.p.75ml and get body lotion 100ml GIFT *Special offer is on the whole series of e.d.t.50ml/e.dp.50ml/e.d.p.75ml

instead of

instead of

Lady Million Package includes: e.d.p.50ml + body lotion 150ml

instead of

Black XS for Men Package includes: e.d.t.100ml + deodorant 150ml

instead of

212 VIP Package includes: e.d.p.50ml + body lotion 200ml

VERSACE CRYSTAL NOIR Package includes: e.d.t.90ml + 2 body lotion 100ml

212 for Men Package includes: e.d.t.100ml + deodorant 150ml

instead of

instead of

Black XS Package includes: e.d.t.80ml + body lotion 150ml

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212 Package includes: e.d.t.100ml + body lotion 200ml

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EAU DE LACOSTE Package includes: EAU DE LACOSTEWHITE e.d.t.100ml + EAU DE LACOSTE BLACK e.d.t.30ml

Minimum 2 units in every branch where brand is sold. For list of brands www.super-pharm.co.il or Customer Service 09-9725151.

Until after Succot or end of stock, earliest between them. 12 payments with credit card only. Without interest or linkage in line with credit card company standards, on purchase over 99nis in cosmetic department, discontinued products section. Advertising content is that of manufacturing/marketing company and their sole responsibility.

The chain retains the right to limit purchase quantities. No multiple specials.

Expert

SM

SOC I A L MA R K E TI N G

Is Facebook a Good Funding Source for Nonprofits?

What not to do, and what to do instead

By Ahron Glazer

O

n any given day, one could be convinced that Facebook and social advertising are the future, and we need to get on board or be left behind; while the next day, Facebook is on the way out and social advertising isn’t worth the time and effort–so which is it?

Social media does provide numerous benefits. It can: • Increase brand awareness and introduce you to new audiences • Establish a sense of trust and transparency • Assist in customer service efforts • Be used for on the ground, word-of-mouth marketing But the question remains; is Facebook an effective tool for fundraising? Should organizations be investing time, money and energy into it?

Let’s take a step back, on a simple level, it seems pretty obvious; the more ‘likes’ your organization’s Facebook page has, the more “popular” you are, and the more likely you are to raise money from your followers. The solution seems simple: promote your page, gain likes for your page, and start asking for support and donations.

NOT CORRECT! (If only it were that simple.)

Today, almost every nonprofit organization is looking for money, and like the rest of the world, trying to use social media to get their messages out and across national and even international borders. So, should an organization merge Facebook and social media with raising money?

The short answer is yes, but if you are looking for a quick fix, you’re looking in the wrong place. Taken directly from the official Facebook page: Facebook’s mission is to give people the power to share and make the world more open and connected. Just because you have a lot of likes on your page doesn’t mean you have a lot of “friends” who will listen to you or who even care about your cause.

Social media strategies need to inspire trust, gain attention and then increase profitability. It may take a little longer to get started, but it can pay off significantly in the long run.

Marketing 101 says it’s cheaper and easier to keep an existing customer than to acquire a new one. Therefore, using social media is an easy and effective way to do just that; increase your profitability by increasing the lifetime value of your customer.

Especially in the world of nonprofit organizations, in order to be successful in the social marketing arena, you need to be less of a hard sell marketer and more of a sports coach. Inspire your 30

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potential supporters by providing encouragement, motivation and most important, peer to peer advice. Social media doesn’t drive sales directly, but it can significantly impact sales indirectly.

Organizations should absolutely be using Facebook, as long as it’s approached in a thoughtful, creative and smart way. Facebook is current, it’s topical, and it’s top of the trends list. Social media is built around being social; personable, honest and entertaining. You want users to trust and be entertained by your company, product, slogan or marketing campaign so that they turn around and do the rest of the buzz work for you. It’s a very powerful tool, and like any powerful tool, it can wreak havoc if misused or misdirected.

As a general rule, organizations, can’t just buy likes and assume they now have a follower base. True support comes from loyalty, and loyalty takes time to build. It could be months or even years. Invest in your community so it will in turn invest back.

Give your followers time to see what you do, buy in on an emotional level, and share experiences with you along the way. Only after your followers convert to “supporters” will you have a good chance of their buy-in.

So, how should organizations use Facebook?

• Think ahead and plan accordingly. Calculate your campaign and time it appropriately. Grow real followers who believe in you or your cause, and give them reason to buy-in in other ways before targeting their wallets.

• Don’t ask for money too often. Pick once or twice a year and plan a crowd-funding campaign. Work towards that. Give yourself time to promote it, prepare for it and eventually execute it.

• Say thank you. When it’s over, make sure to thank everyone who helped, personally and publicly. People want to feel appreciated and valued, and the more you can do that, the stronger the bond you’ve created. 

Bizness Magazine

social@bluethreadmarketing.com 052-736-6592 bluethreadmarketing.com

02 999 3939

Expert

EL

ELEC TR I C I A N

Warranties

By Ari Katz

I

f you have lived in this country for more than a year, then the following anecdote should sound familiar.

I just returned from America yesterday. After putting the kids to sleep and calling Bezek to pay the 208nis bill I forgot about, and remembered not when the internet and phone were both turned off, but upon seeing the threatening letter from their lawyer in RED ink, I plugged in the hot water urn, shortening the number of steps between me and coffee so I would hopefully wake up before the crack of noon.

When I did wake up around 10ish, the house had a faint burning plastic smell, which I traced to the urn and was accompanied by a pool of water around it on the counter. You know these urns, the ones with the manual pump on the top which at best last two years; well this one I bought six months ago. And in spite of my jet-lag induced, pre-coffee haze, I was still able to make the following calculation: I bought the urn half a year ago. It comes with a year warranty.

I have that warranty in the drawer where I keep those things.

I’ll bring it to the store tomorrow. Wait a minute, that’s not how it works here. They’ll tell me it’s not their problem and I’ll have to call the company that made the urn and they’ll send someone to fix it. At best that’ll take two weeks! That’s 14 groggy, jet-lag mornings of warming up water with the kum-kum before I can have coffee! O.K. let’s see: I paid 200 shekels for the urn, 200 shekels divided by 14 days…thinking, thinking, thinking…that’s about 15 shekels per day for two weeks to NOT have to wait for coffee. Money well spent.

Ah yes, factor in several phone calls with the company, 25 minutes on hold, the stress and humility of having to defend my case in Hebrew that leaving an urn plugged-in does not constitute gross negligence, and the big gamble of having only lukewarm water on Shabbos, I think I’ll just buy a new one…I already know how this is going to turn out.

So in the end, the pain of having to replace my relatively new urn is less than the pain of trying to get someone to care enough to warranty what is clearly a very cheap product and I should know better by now, after twelve years of living in Israel, that there is no Home Depot here and it’s not worth betting a poor product on the security that it comes with a warranty.

What is a warranty anyway? Through more than twenty years in the service industry, I know that if I do everything I’m supposed to do and all goes well, the client will see I’m a professional and hopefully call me the next time a problem arises; however if

there is a problem with some of the work I did, and I either have to go back a second or third time or replace something again, even at my own expense, and honor my word and do whatever it takes to get it right, then they’ll see that I’m one-of-a-kind and they’ll tell everyone about me. In other words, a warranty should never be a way to convince you to buy a product or service. Rather, at worst it’s to calm a fear that the quality product you are buying, although highly unlikely, might have a problem; but at best it’s the most effective and inexpensive marketing and customer retention tool a company or service provider can use. I always do the best work I can, and obviously I don’t want to have to return to a job as much as the customer doesn’t want me to return to re-do something, but when it happens, I know that this is one of those rare moments where I can have a second meeting with a client and show them what I believe separates me from the rest.

The other day I saw an LED tube-bulb for 50 shekels that comes with a lifetime warranty. Really? One bulb for the rest of my life, guaranteed? 50 shekels and I’ll never have to change another light bulb again? I mean come on, these are the cheapest low-quality bulbs around, so what gives? Answer: They also have made the calculation. You know, the one I made about the urn.

They know way better than the consumer that the hassle to return a cheap light bulb is way more expensive than the cost of another one. As with the urn, people are banking on my not returning it, which is exactly what I did, not return it, but I did throw it away and buy another. It’s the same with cars, bed-sheets, mayonnaise, running shoes, LED bulbs, restaurants, car-tires, toothbrushes, electricians, house paint, kids’ toys, fresh fish, and basically everything else on planet earth. Every rule has exceptions, but there had better be some pretty strong evidence that a cheap product is as good as the more expensive one than a one-year, nearly impossible-to-honor warranty, which is essentially a 100% guarantee that I’m buying a piece of junk.  Contact 052-736-7369 premiumrepairs@gmail.com

www.BIZNESSMAGAZINE.com

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Wood Design is “In” in Israel

By Netanel Buta

Enhancing with Wood Wood is a prime element with which to upgrade the appearance of a home. Whether for country finishes or more modern, clean lines, something in the presence of wood creates a warm and inviting atmosphere.

Suiting Wood Type to the Project Wood can be utilized both inside and outside the house. It facilitates a varied range of applications. The space underneath shingled roofs constitutes a practical, tax-free, addition to the house. Pergolas surrounding the building, and wooden fences and deck areas can transform the garden. Modern internal wall coverings are also available.

Pre-planning is essential for successful implementation Element Wood Art is a leading brand for everything connected to solving problems with wood, and offers planning solutions for everything concerned with selecting wood types.

Every product has its own suitable types of wood. For decking, for example, wood such as Burmese teak is appropriate, where Garapa wood or pine are wrong. It is desirable to build wooden roofs with Douglas-Pierre hemlock or French Goshen wood, fences should be built of Garapa, pine or Ipe and pergolas should be built of Canadian hemlock, known for its density.

Considerations when choosing the wood include strength, durability from the ravages of time, twists, bends or cracks in the wood. Even general appearance is important. For a country atmosphere, choose Goshen wood, characterized by splits and striations, which gives a warm atmosphere. Lovers of straight lines will select a multi-layered wood with a clean finish.

Economical Elements for creating a green environment in addition to the wide range of wood types for decking are also: 1. Fibron - decking based on recycled polymer made in the USA 2. Fibercement - concrete combined with organic fibers The above deckings look just like wood, though they are not organic materials, which prevents expansion or contraction of the material. The synthetic materials are extremely durable, do not require special maintenance, and can be washed without concern about using water or soap.  Tel. 050 676 3222 Off.: 02-570-9702 Nati element.nati@gmail.com wooden-pergolas.co.il Find us on Facebook elementwood See examples of our work on our website: www.wooden-pergolas.co.il

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Bizness Magazine

02 999 3939

Prime-Time for Synagogue Furniture Design O

ver the next month most of us will spend more time in the synagogue than during the rest of the year. In addition to “teshuva, tefila and tzedaka,” the High Holidays are prime-time for pondering and feeling inspired by the design and creation of your synagogue’s furnishings.

Many asked why G-d needed a Mishkan (Tabernacle) after the Exodus. How could any structure, from a tent in the desert to King Herod’s architectural wonder, be a house of The infinite Creator? Chazal pointed to the significance of the menorah, the kruvim of the aron kodesh, etc.of the Mishkan and the Temple as symbols for inspiring people with the spirit of G-d’s mercy and social justice: the house of worship is a metaphor for building a “permanent dwelling” in the hearts of Am Israel.

On a comparative not, anthropomorphic symbolism found in non-Jewish temples offers a richer environment to express both human and divine worlds. Seeing dramatizations of angels, demons and even G-d himself in pictures and sculptures has more dramatic impact than the modest symbolism prevalent in Judaism. (I heard of a young Jewish child who visited a European church with her family. She turned to her parents and asked, “Wow! Why is there a picture of Moshe Rabbeinu in the middle of the ceiling?)

Doing More with Less Synagogue architecture and furnishings must teach the eternal values of Jewish tradition with fewer design elements. Whether you are looking at museum quality silver fittings in Gibraltar or Rococo gilded carving in Florence- or a simple wooden closet for an aron kodesh, they all are designed to focus worshippers on what really matters, their communal and personal relationships with the Creator.

Some themes and expressions have become standard, even over-used and uninspiring. However, beginning with the old Betzalel School, artist began to make bold statements with their modern interpretations of timeless themes, even incorporating archeological discoveries from the Temple periods.

More and more truly creative artists are making

outstanding synagogue furnishings and Judaica in Israel and abroad. Their usage of exotic materials and modern technology has breathed new life into synagogue design and can be found in out-of-the-way places to the highest profile synagogues.

Restorno is active in synagogue renovation and preservation. The Mercaz HaRav Yeshiva in Jerusalem recently commissioned us to reconstruct the aron kodesh. We replaced the inferior materials used in the 1970’s with mahogany veneered panels across and a seven meter high by five meter wide wall. This massive wall is decorated only by brass plaques of the letters of the Ten Commandments. Rather than leaving it as a passive monument, our re-interpretation of this design was to place golden LED lighting behind the plaques, so the brilliant light illuminates through the letters, broadcasting the commandments with light.

Everyone agreed that we both preserved AND improved the original simple but elegant design.

Another more original creation was this bima, made from solid cherry and mahogany, again simple and elegant.

Restorno built an innovative extension to the existing bima of the Alon Shvut synagoge that is hidden from view when not in use, but opens to permit wheelchair access for kriat hatorah.

Chazal emphasized that we renew the spiritual tora in our physical world all the time, especially on the High Holidays. If your synagogue furnishings need restoration or reupholstery, turn to Restorno.

We wish all of our readers a Shana Tova.

RESTORNO Tel. 050-764-6726 Email: yona.restorno@gmail.com

RE

Expert

RE A L ESTATE

Residential Aliya

Bringing Jews Home

A Bold Investment Initiative to Improve the Aliya Experience

By Ilan Rubinstein

M

any new and veteran olim renting in Israel suffer from a wide range of nightmare problems that go way beyond a simple lack of tenure. Such problems can include: a feeling of detachment or alienation; unscrupulous, absentee, greedy, intrusive and even abusive landlords; poor maintenance; restrictions on making changes to an apartment; pets; lack of physical security, storage space, or air conditioning and more. The list continues with the hassle and cost of moving home repeatedly to seeing capital or one’s borrowing capacity evaporate in the process.

Making aliyah successfully is about achieving a satisfactory level of stability for the family unit beyond having a solid roof over your head. There are other competing priorities that need attention, such as developing a career and providing quality education for the kids. These can be better handled if one doesn’t need to endure unnecessary aggravation on the ‘home’ front. Whilst it would be nice if all olim could buy their own homes, many are unable or unwilling to do so for a variety of reasons.

Yet the worst part of the process is the consequent high proportion of renters that end up making “yerida.” They inevitably tell their friends and family abroad that you can’t make it in Israel. This is a travesty, and it undermines all the good work being done by organizations such as the Jewish Agency and Nefesh b’Nefesh to bring them here in the first place.

Clearly, there is a need for secure, long term rental accommodations for olim. There is virtually no private sector whole building rental market in Israel, and regrettably, the State of Israel is not filling in this gap. The government has introduced legislation to promote investment in large-scale building for rent by way of tax incentives on income and capital gains in the general market. How-

Residential Aliyah R.E.I.T. • Development of residences for olim.

• Provision of long term, secure accomodation in a group setting • Income and growth estimate of 10% p.a.

• Minimum Investment 500k NIS

ever, Israeli developers have shown a moderate reaction to these schemes due to the lower yield as compared to other building. At the same time, the government has tried to make it more expensive for private individuals to invest in buy-to-let as second properties in yet another futile attempt to suppress demand. There are many reasons why these measures have not worked, not least because there is no other safe vehicle for income-producing capital.

“Residential Aliya” is a real estate investment scheme that aims to both strengthen aliya throughout the country and provide a solid investment path in Israel’s burgeoning real estate market. Residential Aliya aims to build up to ten centers throughout Israel that will provide olim with the security of affordable long-term housing, including pre-agreed, index-linked rent. Most importantly, there will be communal areas to engender a group support system.

Advantages for investors, beyond obtaining better value for money in bulk purchase or build, include zero hassle of having to locate, negotiate and secure the right property at a reasonable price, dealing directly with tenants, conducting and overseeing maintenance and fewer void rented periods as well as ever important tax incentives when eventually selling.

This investment vehicle is being set up in the form of a R.E.I.T, (Real Estate Investment Trust) aiming to provide both income and capital growth over a ten year investment period, and it is to be administered and secured by English-speaking accountants & lawyers in Israel while governed in accordance with Israeli law.

Does this pique your interest? For further details, contact:

Bringing Jews Home

For further details contact

Ilan Rubinstein

reit@ilanreastestate.com or call +972 (0) 504-910-604

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Bizness Magazine

Ilan Rubinstein C.E.O. I.L.A.N. ESTATES & INVESTMENTS Tel: 077-410-8011 Cell: 0504-910-604 office@ilanrealestate.com www.ilanrealestate.com

02 999 3939

“Martial Arts Can Train You to Control Your Body, Mind, and Emotions…

To be the Best That You Can Be” Interview with

Master Mordechai Americus of Martial Arts Academy

Why learn martial arts?

Training in traditional martial arts is a proven way to learn discipline, practice respect, improve concentration (which helps with schoolwork and/or job success), become more self-confident, gain self-control, and maintain physical fitness. Practice of the martial arts can offer life-long physical, mental, and emotional benefits.

There are so many types of martial arts - what’s the difference between them?

The term “martial arts” or “traditional martial arts” refers generally to systems of training that include the holistic development of an individual through the martial way. Each system is distinguished by an underlying philosophy or approach that may, for example, be described as primarily offensive or defensive. “Self-defense” is a subset of martial arts focusing on techniques to protect oneself.

Beyond the style, a genuine, experienced, and properly trained instructor is a key to successful skill acquisition and maximum training benefits. An instructor should show dedication to the individual’s progress and holistic growth of each of his students.

Why not just take a quick self-defense course?

If you only have a limited amount of time and want to learn how to protect yourself, then a self-defense course could be a good option. Self-defense courses teach you to do the best with what you have now. The practice of martial arts can train you to control your body, mind, and emotions to be the best that you can be.

Our curriculum integrates practical self-defense techniques along with traditional martial arts training. For children, we focus on avoiding conflict, avoiding and prevention of bullying, as well as maintaining physical safety. We might focus on body language and how it can diffuse a potential threat, and leave a child confident as opposed to vulnerable and defensive. More experienced students and adults will also learn “hard-style” (like Krav Maga) techniques to quickly end a confrontation. Adult classes include topics such as street/community awareness and safety.

How long have you been teaching, and where did you learn?

I started training in Tae Kwon Do (TKD) about 35 years ago in the US in Pittsburgh, Pennsylvania at Kang’s Black Belt Academy.

Our school follows the traditions of the ancient Korean martial arts systems, which can be traced back about 2000 years. Our Grand

Master Instructor Shin Duk Kang learned martial arts in Korea and brought that knowledge to the USA where he trained Master DiMatteo, who trained Master Aka, who trained me. I currently hold the rank of 4th Degree Black Belt, Master Instructor, with Kang’s. I later trained and achieved the rank of Black Belt in another style at the Korean Martial Arts Research Association. In addition to martial arts and several systems of self-defense, I also have studied and taught courses for special skills training in street safety, travel safety, and modern weapons.

Teaching has been an intrinsic part of my training. In recent years, I have had opportunities to focus on teaching students of varying abilities and special needs with great success. It gives me great satisfaction to get feedback about the marked improvement in students who train with me.

How long have you been teaching here in Israel?

Almost seven years ago some local residents aware of my background asked me to start classes here. With the encouragement and support of Aryeh Sonnenberg, we started our first classes for kids and adults at Jo’s Club. Several of our original students still train with me. We now have Black Belts from age 11 to almost 70!

What classes do you offer?

We have ongoing classes year-round based on traditional Tae Kwon Do and self-defense for boys, teens, and men from age seven to 120. Special seminars are held throughout the year on selected topics such as knife defense, falling, and sparring based on community interest. We also offer mini-courses for teens and men in personal safety/street self-defense. We can design curricula to suit your timeframe and special needs or considerations.

Classes are held in our private, dedicated martial arts studio, located in Ramat Beit Shemesh Aleph. In addition, private classes can be held at a location of your choice. We have taught after-school classes for elementary students in a house basement, late night Krav Maga for Yeshiva students in the Kirya Hacharedit, and mid-day classes in a local RBS Yeshiva.

You have a private studio! Can other people use your studio?

Yes. The studio has a private entrance, AC, built-in sound system, separate bathroom, and waiting room. It is available for occasional or long-term rental for exercise, dance, chugim, and even meeting space.

How do kids struggling with poor coordination or low muscle tone manage in your courses?

Great question! Many parents send their children to me because they have low muscle tone, want to improve coordination, or general physical fitness. One of the many benefits of training is that even though all students may be practicing the same techniques simultaneously, each student can master them at his own pace. Small classes allow me to give personal attention and follow the progress of each student. I tailor each class to the age and skills appropriate for the specific participants.

When is the best time to start?

Now! If you, or a family member or friend, might be interested in training, contact us to attend a free trial class.  m.arts.academy@gmail.com 077-431-0116, 052-786-9635 www.martialartsacademyisrael.wordpress.com www.BIZNESSMAGAZINE.com

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Expert

PT

P ERSON A L TR A I N ER

Personal Fitness Training 101

By Jerrold Hyman

W

hat exactly is personal fitness training? Is it for me?

Am I good enough? Why Jerrold Hyman and Elite Fitness Israel, when I could go to the gym? What sets him apart from the crowd?

When the concept of personal fitness training presents itself, there is inevitably a community of people who ask these questions. Like any consumer, the discriminating ones check out and scrutinize the product before purchase, looking for good value and discerning what actually they are investing in.

In the next few paragraphs I will explain my concept of personal training and fitness, including the different components, and briefly describe my philosophy and approach to personal fitness training.

There are many levels of fitness. On the most basic level, being fit means being able to live one’s life healthily enough to allow one to do what one wants. If one needs to catch a bus to get to work on time, and it is twenty meters away and running to the bus will get one there, will that person run? Or acquiesce to the temptation of waiting for the next one? Naturally, I refer to reasonable circumstances no matter what the age group, as there are reasonable expectations.

On another level of fitness, a young athlete desires to be better at a sport. A professional wants to increase performance. Someone entering the army aspires to enter a special unit. Another, less motivated individual, seeks more motivation, and an older person wishes to maintain walking to the house of the grandchildren and continue to move around the kitchen. None of these examples are mutually exclusive.

Once individuals make the commitment to invest in themselves, in their future health, one must decide on the goals and objectives in order to reach those ends. What do I need to do to lose weight? How can I stay on course? How can I stay motivated to improve? Will I be successful?

The components of a well thought out personal fitness program may include exercise that increases: cardiovascular endurance, muscular endurance, muscular strength, flexibility, balance, mobility, coordination and bone mass.

Cardiovascular endurance refers to the ability of your heart (cardio), lungs (respiratory) and circulatory system (vascular) to consume, transport and efficiently utilize oxygen. Regular cardiovascular exercise strengthens one’s heart muscle and provides the ability to exercise large muscle groups continuously for extended periods of time.

Muscular endurance is the ability of muscles or a muscle group 36

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to move your body or an object and repeatedly exert force against a resistance without getting tired.

Muscular strength refers to the amount of force a muscle or muscle group can produce with a single maximal effort. Building muscle strength assists body alignment, allows for performing everyday tasks more easily, increases metabolism and relieves stress.

Flexibility is the range of motion (ROM) around joints which allows one to move freely. When muscles, tendons and joint capsules develop mobility by being stretched properly, they become less prone to injury and recover faster.

Balance is the ability to stay upright or in control of body movement. This can be either static, which refers to maintaining equilibrium while stationary, or dynamic, which is maintaining equilibrium while moving.

Coordination is the ability to move multiple body parts under control, smoothly and efficiently, and is a complex skill that requires not only good balance but a combination of multiple fitness abilities including strength and agility. Both balance and coordination can be improved with proper practice.

At the first session, I assess an individual’s skills and take into account their personal goals. Attending to the details of these various components and a client’s particular strengths and weaknesses, an individual program is developed, thus creating the vehicle and opportunity to improve, increase performance and excel.

The body, mind, and soul are then taken through various challenges to provoke the ability to survive, adapt, change and improve. Workouts have the potential to cycle upwards from four to six different types of routines, allowing for the body to be used in every way it is able, and for the mobility for which it was designed. In this case the body has the ability to continue uninhibited throughout the lifespan. As a physical educator I make it my duty to build rapport with my clients in order to help them move their fitness goals healthily into the future. 

Bizness Magazine

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Expert

NT

nar r ati v e th er apy

Elul: The Stories of our Year

By Karen Wolfers-Rapaport, MA

T

he month of Elul is a time of introspection and repentance. In Elul, we are charged with examining events of the past year and gleaning the lessons they have taught us. Sometimes this is a gentle process. But when dealing with more painful aspects of the past year, placing ourselves under the microscope does not always feel so gentle.

Yet, it is important to be gentle with ourselves isn’t it?

When reflecting on the last year, let us think of the goodness and wisdom to which our stories gave birth.

The kids were whining, screaming, wrestling in the back seat of the car. You were sweaty and agitated and volcanic. You could have reacted, you could have blown up . . . but remember? You breathed, you said your mantras, you internalized their messages . . . and you didn’t blow up! No one applauded, no one acknowledged this feat of transcendence. But now you can.

How could you forgive her? Your mother wasn’t there for you, and then, after all those years, she wanted a connection? How could you trust a real relationship with her? The fact that you were even willing to try was miraculous. You moved toward forgiveness and letting go, even when it hurt . . .

You worked on yourself this year, coming closer toward a new relationship.

Your husband was still in the midst of his mid-life crisis. No matter what you said or how you said it, there was “no one home”. He was dancing to the beat of his own drum this year, and you couldn’t change his rhythm. After years of marriage you deeply understood that this would be a year of surrendering and acceptance. Eventually, he would have to find his own inner wisdom, but you had already found yours; we are not in control of others, even the ones we love.

These vignettes demonstrate the power in moments. When we think of our stories, we often think of the big picture. If last year, the “big story” picture didn’t shift, perhaps we feel disappointment, regret, guilt. Fortunately, when we deconstruct those larger stories, we will often find unique outcomes; moments where there was movement, modification, even transformation. Small moments of unique outcomes add up. They lay foundations for new stories. They remind us that we were, and continue to be, more flexible, proactive, and powerful than we thought.

If we are engaged in a specific story, it means it serves a purpose in our lives. When positive, it is a “growth” story. It moves us to a more, elevated, affirming, life-giving place. When nega-

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tive, our stories move us deeper into a flawed, illusory, and lifetaking place.

Take the above examples. Perhaps at one time, getting angry at the children, avoiding a relationship with a mother, and trying to control a husband’s behavior may have served a purpose in these people’s lives. Maybe it made them feel safe, in control, loved. Most likely these situations created emotional reactions and maybe this is what they got from it; they felt alive, albeit in an unhealthy way. Maybe it felt familiar, an old stand-by reaction. Perhaps it felt comfortable to avoid whatever needed to be confronted If you are getting use out of something, it will keep repeating.

If it no longer has value for you, it will usually stop.

If we look back at our year, we are bound to see moments of positive growth in our stories. Growth could have been borne of broad sweeping changes, or perhaps out of flickers that had to be noticed before they burnt out. In either case our stories transformed in some way. We transformed in some way.

Elul’s arrival signals a time for contemplation and reflection.

As such, may we truly harness our divine intelligence and understand how to forgive, accept, change and trust our stories. May we see the good in others, may we see the good in ourselves, and may we always be blessed with stories we can call our own.  Karen Wolfers Rapaport is a psychotherapist specializing in Narrative Therapy. In addition to her therapeutic work and freelance writing for Aish.com, Chabad.org, and others, Karen works with families from Israel’s Prime Minister’s office and Ministry of Defense, teaching them English in preparation for their diplomatic posts abroad. For any questions, or to book an appointment please call 050-990-6368.

Bizness Magazine

050-990-6368 karenwrapaport1@gmail.com

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39

Top Five

Mechanical Failures That Cause Car Accidents

By Ariel Levy

U

nfortunately, we hear about car accidents way too often.

Defensive driving and safe automobile practices are the best way to ensure that you don’t end up as part of one.

The vast majority of automobile accidents are caused by problems with the driver – about 75% of all accidents happen due to negligent driving or drivers who are otherwise impaired. About 10-15% of accidents happen due to problems with the car itself; and most of the time, these can be avoided. Cars need regular checks and maintenance to ensure there is no undue wear and tear that could lead to serious collisions and danger for those in the car. The good news is, you can usually spot the warning signs of when there might be a problem that needs taking care of, so you can treat it immediately and continue to drive safely. These are the top five mechanical failures that can cause car accidents, but are largely preventable if caught early on: Bad brakes Of course, one of the main mechanical failures that cause an accident is faulty brakes; if you can’t stop your car, there’s serious chance of a major collision, either with a vehicle, curb or even a person. It’s usually fairly apparent when your brakes need to be changed, either because of worn-out brake pads or malfunctioning ABS systems. When you notice that your brake pads aren’t as smooth as they’re supposed to be, change them right away – you won’t necessarily be able to determine exactly when the danger point is, and they could give out when you least expect it. There is also often a scratching sound when you press down on bad brakes, and the car may veer slightly to one side – all signs you should immediately head over to the shop.

Bad tires Although tires can last a long time, when they’re finished, they need to be retired and replaced. The tread on the tire provides traction that allows for smooth maneuvering, and when the tread becomes worn down, it’s harder to keep control of the car. Another issue to look out for is that the tires are properly inflated. If they’re not, it could also lead to less traction, less control and higher likelihood of an accident. These issues are compounded when it’s wet and slippery on the road and driving conditions are less than ideal. In climates where this is likely, it’s even more important to pay attention to how your tires are doing. A tire can last between 25,000 to 50,000 miles on average, so if you feel the tread thinning on yours and you

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know you’ve driven them that long, it’s probably time to check them out. Some experts recommend changing them every six years.

Bad steering Steering issues can be pinpointed if the car is veering off to one side even though you’re steering straight. This often happens during acceleration or when braking, and can point to a problem with either the steering wheel, the brakes or one of the pedals. Other steering complaints are that the wheel locks or vibrates unnecessarily. These concerns are not as obvious as the others on the list, but they can be just as deadly.

Impaired lights This is probably the easiest to diagnose. When your lights are broken, they need to be changed. While this is clearly dangerous for night driving, it can cause accidents even during the day, because other drivers won’t be able to tell when you’re braking or turning, depending on what’s broken. Due to its easy diagnosis, it’s also easy to fix – you don’t need a mechanic to fiddle around and figure out what’s causing trouble.

Malfunctioning wipers You need to be able to see well out of your front windshield for optimal driving. If anything inhibits your vision, your chance of accident highly increases. Wipers may seem like an insignificant element of your driving ability, but don’t be risky; if they can’t wipe away disturbances, you could land in difficult circumstances. Obviously in inclement weather, not having full use of your wipers is very dangerous. But even in better temperature climates you need to be able to remove dust buildup and other objects that can fly into your windshield, obstructing your view. This goes not only for broken wipers, but even for wipers that miss areas or don’t function properly.

While it can sometimes seem like a hassle, and no one’s looking to part with more money, it’s really important to keep your car in shape for the simple and crucial reason of keeping you and your family safe.  Phone : 02-626-1613 Mobile : 053 225 1613 Email : autokingbetshemesh@gmail.com Web : www.autoking.co.il Extensive Opening hours: 8am to 7pm (Fridays 12:00) Open late for YOU!

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Anxi ety D i s o r d er S

Greeting The New Year with a Healthy Self Concept

By Rachel Factor LCSW

O

ne area that many find stressful is relationships with others. There are dynamics that play out in relationships that can cause uneasiness and unrest. Having a healthy self-concept will help one navigate one’s way to more positive relationships. By creating a mental shift one can start to see relationships as pleasant, rewarding and enriching.

Sara is standing by the bus stop with her daughter. A few minutes later her neighbor Mimi appears with her daughter. Sara says hello to Mimi and tries to feign a smile. However Sara’s mind has already begun to travel down the slippery slope of comparing herself to her neighbor. It starts with comparing their appearances. It then goes on to comparing their daughters’ neatness and composure. From there it takes a turn to comparing which mother interacts in a healthier way with their daughter.

While Sara is still physically standing by the bus stop, her mind has travelled miles on that torturous road she knows so well. It’s a road that only leads to misery; a road that Sara never needed to take in the first place.

Comparing oneself to others is an exercise in futility. We are all created in Hashem’s image. We all have a neshama inside of us and endless potential. Some individuals are better at self-expression while others are better at listening. Some individuals are orderly and scheduled and others have a flowing nature. Some individuals may be more entertaining and others more serious. It’s all okay and it’s all good. One character trait is not better than the other, it’s just different.

Standing behind the counter in the ice-cream parlor it can be difficult to decide what flavor of ice cream to choose with so many interesting varieties to choose from. And the decision doesn’t always end there. Will it be sprinkles, chocolate syrup or hot fudge on top? Again, one type is not better than the rest, just different.

If Sara would have only realized this as soon as the thoughts appeared on her mental screen, she could have let them pass and not engaged in them. Realizing that Mimi is an individual with endless potential, just like herself, she could have asked Mimi about how her summer went and about her Rosh HaShana plans.

It could have been a wonderful conversation with Sara remaining physically and emotionally present.

On Yom Kippur we are constantly asking to be forgiven for the sin of lashon ha’ra. Perhaps if we internalized this message and felt more secure within ourselves, we would feel less of a need to put others down in order to raise ourselves up.

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Just like we can sometimes be stuck in unpleasant thinking, so can those around us. Sometimes others may snap at us or say outright hurtful words. If we can realize that often it is as result of them being in a bad place, and not about us, we can be sympathetic to their plight and not return the insult.

Twelve year old Dani comes home from school in a bad mood.

He looks into the pantry and yells, “There is never anything good to eat in this house.” Dani’s mother can feel vulnerable inside and yell back in anger about how hard she works and how he doesn’t appreciate anything. Or she can realize that Dani is in a bad place right now, give him some time, and when he’s in a better place address the uncomfortable episode. It is important for us to realize that people’s anger usually does not have to do with us, but where their thoughts are at the time. We can then be compassionate and respond if needed at a better time.

If indeed we did do something hurtful to someone, a healthy self concept allows us to apologize. We know our mistaken actions merely came from us believing whatever we were thinking at the time. It doesn’t make us worthless, just people who make mistakes based on incorrect observations. With a healthy self-concept, mistakes don’t destroy us. And just as we sometimes make mistakes, we understand that others may too.

With a stronger self concept we can create a mental shift.

Relationships no longer need be a source of stress. They can be transformed into a source of love, compassion and understanding.

What a great way to start off the new year! 

Bizness Magazine

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

02 999 3939

Is Renting Regular Office Space

a Thing of the Past?

Flexible Office Space Flourishes in the Heart of Downtown Jerusalem

By Shmuel Phillips,

Manager of the Jerusalem Business Center

B

usiness Centers are a growing trend across the world as business professionals come to realize how much time and money they can save by renting flexible office space which is free of the constraints of traditional leases.

Business Centers are used by companies in all types of industries, including government bodies, lawyers, accountants and financial advisers. Centers are usually located in prime business districts, providing companies with cost-effective access to premium addresses, which is likely to make an impression on highend clients and potential investors. Additionally, the central location offers businesses the convenience of being in close proximity to government and municipal offices, law courts and banks.

Business Centers offer a range of rooms and rates to suit customers’ requirements. Many centers have both single and double offices so even small businesses can find something to suit their budget. Offices are tastefully and comfortably furnished, contain ample filing space and can be leased on an hourly, daily, monthly and yearly basis. Meeting rooms can be rented as the need arises.

Offices are equipped with high-speed internet and customers are provided with access to all office equipment, such as scanners, fax machines, printers and photocopiers. Community areas like lounges, kitchens and cafeterias provide excellent opportunities for informal networking, so business professionals can connect with people from a range of different fields.

When leasing an office in a Business Center, companies don’t have to worry about expenditures associated with renting conventional office space. The Business Center takes care of paying utility bills, council taxes and building fees, as well as arranging maintenance and cleaning services. Business Centers may offer postal services and discounts on stationary supplies. Many Centers also provide secretarial and administrative support.

Secretaries can be used to field phone calls, photocopy and fax documents as and when customers require, so executives remain free of distractions and can focus on their business, leaving the administration to the pros.

A unique opportunity available to professionals who work from home is the option to rent a ‘Virtual Office.’ A Virtual Office at a Business Center enables small and private businesses

to use the Center’s prime address as their own business address, have the Business Center scan or forward mail to their home, and have a receptionist answer business calls using the company’s name. In this way, Virtual Offices alleviate the privacy concerns so often associated with managing a business from home, such as clients calling or even dropping by after hours. Home-based professionals who take advantage of a Business Center’s Virtual Office can impress clients by using the Center’s prestigious address on letterheads. An address which these professionals can then use to meet their clients by hiring an office or meeting room on an hourly basis.

Hourly and daily rates are increasingly in demand, especially by work-from-home professionals who know that having access to modern business accommodations when meeting with clients gives the valuable impression of an established business. Large companies based in outlying areas also frequently take advantage of short-term rates, since this enables them to give their big-city clients the courtesy of coming to meet them in a central, metropolitan location.

Monthly rates are particularly beneficial for start-up businesses which have yet to see if their business will take off. Renting in a Business Center as opposed to conventional office space eliminates the need for start-ups to invest in furniture and expensive office equipment, as well as saving them considerable expenses on long-term leases.  Jerusalem Business Center, or JBC, is a full service Business Center at 24 Hillel Street, Central Jerusalem. JBC offers luxuriously appointed, air-conditioned offices, state-of-the-art meeting rooms, virtual offices and on-site parking. The multilingual secretarial staff is available throughout office hours to assist clients. JBC also offers special discounts for clients who use offices during American working hours.

For more information, email info@jerusalembusinesscenter.com or call 02-539-1800. www.BIZNESSMAGAZINE.com

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43

Voluntary Disclosure

and Jonathan Pollard

By Mirit Reif Adv.

A

s we have discussed in many of our previous articles, according to U.S. law all U.S. citizens, regardless of where they live, have an obligation to pay taxes on their worldwide income. In addition, in cases where the aggregate value of all foreign accounts exceeds $10,000 at any time during the calendar year, they also have to report this information on a special form commonly known as the FBAR. Not complying with your U.S. tax or FBAR reporting duties could be considered a criminal offense in addition to a civil one.

The civil penalties can be very high. For instance, the civil penalty for willfully failing to file an FBAR, can be as high as the greater of $100,000 or 50% of the total balance of the foreign account per violation. The criminal penalties can be harsh; a person who fails to file a tax return is subject to a prison term of up to one year and a fine of up to $100,000. Failing to file an FBAR subjects a person to a prison term of up to 10 years and criminal penalties of up to $500,000.

U.S. citizens that have not been compliant with their tax and FBAR obligations have several options to fix this. The two main options are either participating in the Offshore Voluntary Disclosure Program (OVDP) or participating in the Streamlined Filing Compliance Procedure. Of course one of the main requirements in order to participate in one of the programs is that the source of the unreported funds is legal.

The IRS states in the OVDP FAQ’s that “Taxpayers who have legal source funds invested in undisclosed OVDP assets and meet the requirements of IRM 9.5.11.9 are eligible to apply for IRS Criminal Investigation’s Voluntary Disclosure Practice and the OVDP penalty regime.” As you all know, Jonathan Pollard, a former U.S. Navy intelligence analyst who was convicted of spying for Israel and was subsequently sentenced to life imprisonment in the United States, will be released in November 2015, after serving a 30-year prison sentence.

A recent article about Jonathan Pollard speculated about the 44

•

CHAGIM 2015

effects on his parole if he had an unreported foreign financial account. This means that Mr. Pollard would be ineligible for the Offshore Voluntary Disclosure Program (OVDP) if he held direct or beneficial ownership in a foreign financial account(s) which had $10,000 or more in a calendar year if the source of the funds in the account were illegal source. Payments for espionage against the U.S. certainly meet the test for illegal source.

This means that if Mr. Pollard received any payments related to his “work” and this was deposited into an account outside of the United States, he would not be illegible to “clean this up” through the OVDP. And to finish this year on a happy note: An accountant is walking along the beach and he finds an old lamp. He picks it up, rubs it and of course, a genie appears. The genie says “I am the most powerful genie that has ever lived.

I can do great and wonderful things and I can grant you your dearest wish, but only one.” Well, this accountant is a deeply caring individual. He pulls out a map of the Mediterranean area and says, “My dearest wish is that you solve the Arab-Israeli conflict in the Middle East.” The genie strokes his beard and looks worried. “Oh dear,” he says, staring at the map, “That’s a tough one. Those people have been fighting for eons. No one has been able to come up with a successful solution. I’m not sure if I could do any better. You should probably make another wish.”

The accountant is understanding and says, “All right. Listen, the IRS has asked me to re-design their 1040 form so that everyone can understand it. Can you help me with that?” There’s a long silence and finally the genie says, “Let’s have another look at that map.”  Dave Wolf & Co. is a law firm specializing in taxation and wealth management with offices in Jerusalem, Tel-Aviv and New York and affiliate offices in Greater China, London and Amsterdam. Mirit Reif, an Israeli tax attorney, is a senior associate at the firm. She can be reached at 02-999-9235.

Bizness Magazine

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Bizness Magazine

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49

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