Bizness Magazine Pesach 2014 Issue

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Helen Abelesz Egert-Cohen Eliyahu Gherman Edo Lavi Tzvi Lefkowitz

Nicole Levin Ariel Levy Yossi Lipsh Claude Hayat Moshe Wilshinsky

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Moshe Wilshinsky – Understanding Banks with open ARMs

Miriam Goldshtein – Lighting secrets for your kitchen Yeshiva Hakidma Hatechnologit – Computers in frum education

Helen Abelesz – Why is life so stressful? Stefan Eilenberg – Acupuncture, Sweedish massage and Tuina Yossi Lipsh – By Owner vs. By Realtor

Mercantile Bank – Pesach cleaning your Investment Portfolio David Bartal – Building with NO MISTAKES Hezi Hay – Architecture & Urban Planning Lebo’s – Men’s Fashion “from head to toe”

Dr Bo’s Diet

Dr. Hayat – Gum Disease is a ticking bomb Doorsill – How are these doors different than all other doors Jerusalem Business Center – Is Israel catching up with flexible office space?

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contents

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

PESACH 2014

MAIN FEATURE

34 Having questions about Dr.Bo’s diet? FEATURES 20 Interview with Stefan Eilenberg 22 Architecture & Urban Planning Company Profile 24 Gum Disease is a ticking Bomb 26 Interview with David Levi from Lebo’s 28 Contents Insurance... Do I Need It? A Slice of Reality 32 The Future of our children 36 Kitchen Lighting 38 Pesach Cleaning Your Investment Portfolio 40 Is Israel finally catching up with flexible office space? 42 Interview with David Rephael Bartal

46 Doorsill 50 Why Do You Want to Be in Business? 52 Tens of Tons of Chessed for All 54 The Greatest show on Earth 56 The Lehava Organization

Business Development Yisroel Meir Simon Contributing Editors Roberta Bienenfeld Chief Designer Adam Ram Contributing Writers Helen Abelesz, Shimon Cohen, Eliyahu Gherman, Miriam Goldshtein, Nachum Kligman, Edo Lavi, Nicole Levin, Yossi Lipsh, Matti Munk, Bo Rosenblat, Eva Topf, Moshe Wilshinsky Advertising Bayla Gamliel, Chaya Hyams, Helena Topf Graphic Artists Aliza Sokol, Yael Ita

DEPARTMENTS

14 08 Can We Be True Israelis? 12 For Sale: By Owner vs By Realtor 14 Why is Life so stressful? 16 Understanding Banks with Open Arms 19 Pesach Cleaning

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

Dr. Avrohom Levy MB ChB BSc MNIMH

Herbalist and Doctor

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

Editor in Chief Ariel Topf

s Stress Allergies s Women’s health s Joint problems and more

Photography Yael Ita How to reach Bizness Magazine Advertising

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

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Bizness Magazine is published by Bizness Magazine Ltd. Bizness Magazine considers its sources reliable. However, reporting inaccuracies can occur, consequently readers using this information do so at their own risk. Each business opportunity and/or investment inherently contains certain risks. It is suggested that prospective business people, potential patients and clients, and all readers consult their doctors, attorneys and/or financial advisors before applying any of the information that is publish in this magazine. Bizness Magazine makes content available with the understanding that the publisher is not rendering legal services or financial advice, business advice, medical advice or any other type of advice. Editorial content, articles and interviews may be paid advertising. Bizness Magazine does not endorse or recommend any products or professionals. Although persons and companies mentioned herein are believed to be reputable, neither Bizness Magazine or its publisher, parent company, nor any of its employees, sales executives or contributors accept any responsibility whatsoever for their activities. We assume no responsibility for unsolicited material. Manuscripts, artwork and photographs must be accompanied by stamped, self-addressed envelopes. We reserve the right to publish in whole or in part all letters received by us. All letters, sent to Bizness Magazine will be considered the property of the Magazine. All remarks, suggestions, ideas, creative concepts, graphics, or other information communicated through this magazine or otherwise sent to its publisher (together the ‘Submission’) will forever be the exclusive property of Bizness Magazine., who will not be required to treat the Submission as confidential, and will not be liable for any use or disclosure of the Submission, and need not provide any compensation or acknowledgement for the Submission. Under no circumstances shall Bizness Magazine, or its affiliates, subsidiaries, or related companies and web sites, be liable for any damages whatsoever (including, but not limited to direct, incidental, consequential, indirect or punitive damages), harm, or injury that relate to, arise out of, or result from the use of, or access to, or the inability to use, any of the materials of this magazine, or are caused by any failure of performance, error, omission, interruption, defect or delay in printing. Bizness Magazine is printed in Israel and all rights are reserved. No portion of this magazine may be reproduced without written permission of the publisher.

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

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PESACH 2014

Bizness Magazine

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Letter from the Editor Dear Readers, In the Letter from the Editor in the August 2011 issue, I wrote about how to deal with your friends in business. Your friend Sarah had just started a business selling free-range eggs. I suggested that instead of acting like an astute consumer and asking for a discount, you should make her feel good and support her new business by paying the full price. Sarah was not selling computers, air conditioning systems or water filters that you may not have needed at the moment. She was selling eggs! I wrote that many people are not sensitive enough to understand what goes on in the mind of the new entrepreneur and how fragile they can be during the early days of a new business. This time I want to go a bit further. Over a year ago, El Al posted by mistake a ridiculously low price for their tickets. Many people wanted to know the law and the halachah for those who purchased the ticket at the posted price. We had a discussion in my family and we concluded that had we bought tickets based on a mistake, we would certainly pay the difference or we would cancel the purchase no matter what the law. A few weeks ago, we bought a Shabbat suit for my son. Later on, we received a call from the store owner who said that his employee had made a mistake with the price. He told us that the price was almost 50% more of what we paid. I immediately thought that this was similar to the El Al case. We simply would not benefit from an honest businessman’s mistake. The options were clear – we pay the difference or we return the suit. For us, this goes beyond the law or our rights under halachah. Selling the suit for the mistaken price would have created a financial loss to the owner. How hard do our hearts have to be to not care about our neighbor’s parnasah? Who knows what the owner’s financial situation is and how a loss like this could affect him if he is going through a hard time? We learn in the Gemarah (Eiruvim) that a person really shows what he’s made of when he is drunk, when he is angry and through his pocket. We have an incredible opportunity to show who we really are and to make a Kiddush Hashem every time we care for the people we do business with as much as we care for ourselves. Wishing you a Chag Pesach Kosher V’Sameach! Ariel Topf ariel@biznessmag.com Ariel has built several companies in three continents in the fields of internet, retail, wholesale, franchising, direct sales, high-tech, employment, food manufacturing, food supplements, clothing manufacturing, pet nutrition, personal development, restaurant, advertising and publishing. In this process, Ariel has headhunted, hired, trained, managed and/or mentored over 20,000 individuals. Ariel heads BiznessPro, a business consulting firm dedicated to help entrepreneurs who are serious about success (www.biznesspro.com).

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Bizness Magazine

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Real Estate Legal

By Felicia Seaton, U.S. Estate and Tax Attorney

Can We Be True Israelis?

Introduction by Nicole Levin (an American-born, Israeli-trained real estate attorney and one of Bizness Magazine Experts) I have been writing a column on legal real estate issues in this magazine for the past few years. As I am an Israeli attorney, I have always dealt only with the Israeli legal side of things. Due to the large number of U.S. citizens among Biz readers, I thought that it was important for some thought to be given to the U.S. side of things. Since I am not a U.S. attorney, I asked my colleague, Felicia Seaton, a U.S. Estate and Tax attorney, to explain the ramifications of our actions on our U.S. taxes. n today’s mainstream Israeli culture, it is almost expected that a parent purchase an apartment for each adult child. However, if one or both of the parents is a U.S. citizen, this could prove quite tricky and certainly requires meticulous prior planning due to additional taxation. Here’s why. Many people are surprised to find out that the U.S. government is interested in how one provides for a child. Many ask whether the U.S. government will ever know that they have purchased or given a child a home. According to U.S. law, taxes are owed on any transfers made by U.S. citizens and green card holders of over $14,000 (total) per year to any person, even one’s child. And soon, in the very, very near future, the U.S. will start to know everything about your finances. So yes, the U.S. is interested and will know. U.S. Federal Gift Tax Any U.S. citizen may gift (transfer without full and adequate consideration) $14,000 per year, per recipient, no matter what the recipient’s citizenship or relationship to the person making the gift without any U.S. transfer tax applying. This tax applies to all U.S. citizens, no matter where they reside, where their money is, and no matter how much or how little of a relationship they have had with the U.S. This applies to the transfer of anything – cash, investments, real estate, etc. While there are some very specific exclusions to this tax, purchasing a home for one’s child is not covered by any of them. If a U.S. citizen or a green card holder gifts more than the annual exemption amount of $14,000 to any one recipient in any given year, the U.S. Gift Tax applies. This is approximately 40% of the value of the gift on the date gifted. For example, Jake and Adina Salomon (fictitious names), both U.S. citizens, wished to make a down payment of $200,000 on an apartment for their oldest, Moshe, who had recently gotten married, and is also a U.S. citizen.

I

Have questions? Something unclear? Wondering if it applies to you? Call/e-mail me for further clarification (at no cost): U.S. Estate Planning attorney, Felicia M. Seaton, www.feliciaseaton.com or call 052-618-2582. In the U.S.: 302-892-3336.

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Jake and Adina each transferred $14,000 tax free to Moshe. Each also transferred $14,000 to Moshe’s spouse tax-free, for a total of $56,000. The remainder of the transferred amount, $144,000, had to be reported and declared on a U.S. Gift Tax Return and was subject to an approximate Federal gift tax of $37,000. Do I Have to Pay the U.S. Federal Gift Tax? Every U.S. citizen currently has a lifetime exemption amount for U.S. Federal Transfer Taxes (Gift and Estate) of $5.34 million. This means that a U.S. citizen can transfer a maximum of $5.34 million to other persons, tax-free, whether during life, by gifting, or after death via inheritance. Two married U.S. citizens have two exemptions and can therefore transfer a maximum of $10.68 million either during their lifetimes or after their deaths. Thus, Jake and Adina filed their U.S. Federal Gift Tax return but did not actually pay any taxes to the U.S. upon transferring $200,000 to their son as a down payment for his new apartment here in Israel. Although every U.S. citizen has a tax credit, all are still legally required to file the gift tax return. In addition, many U.S. citizens will need the entire amount of their lifetime exemption to transfer their wealth to their next generation. So plan carefully so as to get the most out of this exemption. This was not the case in Jake and Adina’s situation. There can be other scenarios where Israeli resident U.S. citizen parents will wish to ensure that their child own a home when starting out. Esti and Ron Tal (fictitious names) had already purchased several real estate assets in Israel by the time they came to see me. They wanted to transfer either an apartment, a house or a building lot to each of their children and came to me for advice on how to do so in such a way so as to eliminate their exposure to U.S. transfer taxes. Objectively, these are the most complex cases

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PESACH 2014

Bizness Magazine

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that practitioners in my field face. Transfers can be made in full and gift tax returns filed. Transfers can be made in part, so as to avoid the need to file gift tax returns, but at great cost and effort. In any case, several professionals must collaborate in order to ensure, as much as possible, a significant reduction in both U.S. and Israeli taxes, so that both the parents and the child get as much value out of the real estate asset as they can. The Tals worked slowly and carefully with my office, a respected Israeli attorney, a real estate appraiser and a U.S. CPA in order to reduce, as much as humanly possible, their exposure to the U.S. transfer tax. Israel’s Real Estate Bubble It has been a long-time practice among U.S. estate planners to encourage their clients to transfer unappreciated property to their children. Generally, unappreciated property is expected to increase in value. Therefore, if U.S. citizens own real estate in Israel that is expected to increase in value, it could be quite beneficial for them to transfer ownership of such property to their children now so as to take advantage of helpful tax considerations. Here, too, professional advice is a must. The Knot of Israeli and U.S. Taxation All U.S. citizens must consult with Israeli tax professionals as well when transferring or purchasing property in Israel. While planning to reduce exposure to U.S. transfer taxes, Israeli taxes could increase. The Tals (see above) encountered this scenario and heeded the advice of a renowned Israeli tax attorney to reduce their exposure to Israeli taxation as well. Good Advice is the Key Many potential clients inquire as to whether I can handle the whole case. Alas, practice areas have become very specific nowadays and law spanning two continents requires quite the expertise. Moreover, there are very specific reasons as to why accounting and law are two different professions and both are needed when dealing with U.S. citizens and transfers to the next generation. Planning today will reduce your tax liability tomorrow. Every penny is worth it.All amounts mentioned above are in U.S. dollars. This article only describes the tip of the iceberg in regard to U.S. Federal Estate and Gift issues pertinent to Israeli residents. It is highly advised to consult a professional. 

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Real Estate

By Owner

F or S ale :

PART

1

By Yossi Lipsh

By Realtor

Setting the Price and Negotiating: Homeowners obviously know their homes better than anyone but that doesn’t mean that they’re the best salespersons for their properties. Some sellers are tempted to try a “For Sale by Owner (FSBO)” transaction because their local community is in the midst of a sellers’ market. They think that they can sell easily without help. Others try the FSBO route because they want to maximize their profits and avoid paying a commission to a realtor. Statistics show, however, that selling a home with the assistance of a professional real estate agent will garner you a higher profit, enough to cover the commission as well as put more money in your pocket. When trying to sell your home, the right price is the key to a quick sale with the highest offer. Trying to understand your home’s value by comparing home prices listed in the various newspapers or mailing lists will give you inaccurate info. You will most probably end up getting less for your property because you are working blindly without having real info. While you may be tempted to “test the waters” and put your home on the market at a high price, your home is likely to languish on the market and get a reputation for having a major problem. If you don’t sell within the first few weeks after listing your home, your eventual sales price is likely to be lower. If you overprice and can’t sell, you will then be pressured and eventually sell it at the last minute after numerous price drops – usually getting you even less than you could have gotten originally had you priced it correctly. Reuven is selling his home on his own. He will be happy with NIS one million, but decides to advertise it for 1,100,000 NIS so that he can “drop” the price if necessary. Shimon comes to see the apartment. He comments that various changes 12

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PESACH 2014

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

need to be made. For example, the kitchen needs to be re-done, there is dampness in the walls, etc. He is trying to lower the price. The negotiations have begun. Shimon asks for the price and Reuven says, “1.1 million.” Shimon says, “No Way!” He says that similarly sized apartments go for 900,000-950,000 NIS. He offers Reuven 950,000 NIS. Reuven says, “No,” since the gap between that offer and the advertised price seems unreasonable. Reuven doesn’t know that after Shimon left, he told his wife that he would have taken it for NIS one million. Shimon doesn’t know that Reuven would have accepted that offer, as it was the original price he had in mind. They would have had a deal but don’t know it! There is a famous saying, “The first offer is the best offer.” But by now, there are too many emotions involved. Time goes by and Reuven, who is now desperate, wants to find Shimon again. If he ends up calling, Shimon will know that he did not get a higher offer — even by one shekel. He will know that he can offer even less. In the best case scenario, Reuven will end up getting between 950,000-1,000,000 NIS, way less than he could’ve gotten with a realtor involved who knew what was going on with both the seller and the buyer. Trying to manage negotiations on your own can cost you a lot of time and money. When you give an exclusive to an agent, you create a personal relationship where there is trust. He knows what your needs are and is there for you, looking out for your best interest. The realtor will give you a CMA (Comparative Market Analysis) through being aware of all the sales in the area and knowing the true market value. The realtor will negotiate on your behalf, and get you the best price on the market. Don’t hesitate to call Yossi Lipsh and get his complete marketing plan for YOUR home! 

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Life Coach

Why is Life so Stressful?

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PESACH 2014

By Helen Abelesz

make. Now, she tried to really enjoy those few moments with her kids and focus on the stories and the joy they brought. Story time soon became a special time of the day for her and her children. She was fully there with them. The laundry was still there but the stress behind it was reduced and her calmness had increased. We then worked on introducing mindfulness into other areas of Karen’s life. Karen was now calmer and so was her daughter. There are also a number of other stress reduction exercises that we worked on, but if you are feeling stressed, start by putting some mindfulness into your life. If you feel stressed, anxious, overwhelmed or depressed, please give me a call. There are many techniques and exercises you can learn to calm yourself and help you take things in your stride. Call Helen Abelesz, Life Coach, at 054-482-9815 for a free first consultation or e-mail me at helenabelesz@gmail.com 

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*not her real name and all identifying features have been changed.

“I’ll do it later.” We always promise this to ourselves, knowing that that’s unlikely. We often rush around and have to move onto the next task before we’ve completed the first. As mothers, we are constantly multi-tasking — feeding the baby, making an appointment to the doctor, helping a child with homework and cooking dinner all at the same time – and did I mention laundry? Later, sure. Our simple daily routine can be exhausting, overwhelming and burdened with stress. According to Professor Mark Williams of Oxford University, all this rushing around means that the emotional part of our brains is on high alert all the time. It’s as if we are running away from a predator. But no one can run fast enough to escape his/her own worries. Karen*, a young mother of three children, was always anxious and stressed. She worried about everything regarding her children, from their development to how they would speak to each other. She blamed herself for all their problems, believing that she was not a good enough mother. But, when her eldest daughter began exhibiting the same early signs of anxiety and stress, she really started panicking. She didn’t want her daughter to go through what she was going through and knew that she needed help, so she gave me a call. After examining Karen’s ideas of what being a mother meant, we worked on setting more realistic and helpful expectations. We also started working on being more “mindful.” Mindfulness is being aware of what you are doing and paying attention to it. For example, when taking a walk, try to appreciate each step and take notice of all the flowers, trees and birds on the way. By focusing on what you are doing right now, you will stop worrying about what happened in the past or what will be in the future. Studies have shown that being mindful helps reduce stress, anxiety and depression. When you are stressed, you need to find a place of stillness within. Some simple mindfulness techniques can help you get there. Karen began practicing mindfulness. She chose to focus on bedtime storytelling to her children. Previously, she would rush through the stories because she was too busy thinking about the laundry that still needed folding or the phone calls she needed to

*/:/(= ( ;6»(9 90:/65 )»40:/7(;04 3»+6=9,@ (5.30; For the first time in Israel! Israeli Law Degree (LL.B.) for English Speakers The College of Law and Business is proud to offer an Israeli Bachelor of Laws degree (LL.B.), taught jointly in English and in Hebrew by Israel’s top law professors. The College provides support for English Speaking students in the Hebrew taught courses. The degree grants eligibility to sit for the Israeli and the New York bar exams. Enroll now in an exciting program for international and Israeli students and start building your global career today.

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Mortgage

PART TWO

Ma Nishtanah HaMortgage HaZeh?

Understanding Banks with

Open ARMs

I

By Moshe Wilshinsky

n Israel they are called “Mishtaneh” (pronounced Mish-Ta-Neh). In the US, they are called “ARMs.” What really is an Adjustable Rate Mortgage? The name says it all. “Adjustable” means something may or will change. “Rate” is short for interest rate which refers to what your bank charges you for a given period to use the money you borrowed from them. Putting “adjustable” and “rate” together means that the amount of money (the cost) you are paying for the money you have borrowed may or will change. It is important to understand what will change, when that can happen and what it will mean for you. For example, if you take an adjustable rate loan from the bank based on three percent interest annually, ten years from now, on that same loan, the bank may charge you ten percent annually. Again, this is one of many possibilities. But what is definite is that you have no idea what it may cost in the future. The good news is that adjustable does not mean that your mortgage bank can suddenly decide on its own to triple your annual interest rate. The “adjustable” aspects are dictated by a number of factors which can give you some sense of when and why the interest rate might change. There are two primary factors used to calculate the interest rate paid with an adjustable interest rate mortgage. There is the Index (“Ogen” in Hebrew) and the Margin (“Hefresh” in Hebrew). When 16

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added together, they determine the interest rate. What’s tricky, perhaps, is that there are different types of indexes, each of which behaves differently and which change based on circumstances. The Prime Interest Rate Index, which is determined by the Bank of Israel, is up for review regularly and can theoretically be changed at any time. If the Bank of Israel sees the need to increase or decrease the cost of borrowing, they will push the rate up or down. Conversely, the Bank of Israel can leave the rate unchanged for long periods of time if they do not see justification for a change. The Prime Interest Rate Index is an example of an index set by the government. In contrast, certain indexes, for example the London International Bank Offer Rate or LIBOR, are market driven and based on an international market of what interest rates are paid on certain loans based on the currency and length of time the loan needs to be paid back. This is an example of a market-driven index. Why are indexes increased or decreased? In the case of the Prime Interest Rate Index, you are looking at changes in the Israeli economy. More importantly, you are looking at the Bank of Israel‘s reaction to these changes to determine if your interest rate (and remember your monthly payment) will go up. In contrast with the LIBOR index, you need to look at what is happening to the economy of the country of the currency used e.g., the three- and six-month US$ LIBOR indexes which are very common in Israel. In order to anticipate change, you need to pay attention to developments in the US economy. The three- and six-month US$ LIBOR indexes are also examples of where the maximum frequency of change is predetermined, e.g., they are three and six months respectively. So, if you have a six-month US$ LIBOR index used in your loan, the rate cannot change more frequently than once every six months. There are indexes that change as frequently as every month and those as infrequently as every five or ten years. It is important to note that I have been illustrating how the interest rate changes. But, even with a mortgage that uses a ten-year LIBOR index, where the interest rate will not change for ten years, a borrower’s cost in NIS can change monthly because of the changes in the currency exchange rates. Similarly, a loan in NIS that is fixed for ten years but linked to the Madad (Tzamud Madad), even though it may be considered by the bank and even the Bank of Israel as a fixed rate loan, a borrower will see his monthly payment as well as his principle change based on inflation in Israel. Currency and indexing are two factors that affect the monthly payments even if the interest rates do not change. So we have the indexes used in Adjustable Rate Mortgages, the currency you are borrowing in and, if you are linked to Madad (Tzamud Madad), all affecting both the cost you are paying for the money you borrowed and how much money you need to pay monthly. Getting into the details of various indexes and their behavior is beyond the scope of this article. The point I want to bring to your attention is that as with any relationship, when someone offers you open ARMs, make sure they are appropriate for you. 

Wishing all of our readers a wonderful Pesach!

About the author Moshe Wilshinsky is the CEO of Moville Mortgage & Finance Ltd. Contact information: Israel: Dial: 073-796-2226 and then press the special 711 Bizness Magazine extension. In the U.S., dial: 201-377-3418; in the U.K., dial 208-596-4501. Website is at: www.movillefinance.com

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Ǩ

ǡ ǡ ǯ Ǥ ͲʹǦͷͺͳͲͲͺͺ ǣ ͷͽǣͶͶǦ͸͸ǣ͹Ͷ

ͻͻ ಎ

Orthodontics

Pesach Cleaning

E

By Dr. Lavi and Dr. Gherman

very year we get asked numerous questions on how to deal with our orthodontic appliances in preparation for Pesach. Cleaning your braces and/or retainers just might be the most critical part of your “spring cleaning.” All the ambition you showed by cleaning the inside of your toilet tank and boiling your door knobs would all be undone if you are sitting at the Pesach Seder with a full bagel from Erev Pesach shoved between your braces. While we encourage you to consult with your own Rav regarding the details of the cleaning process, the following are guidelines that we have developed over the years: Braces The most basic and most important part of cleaning your braces for Pesach is to make sure that there are no food particles between and around your braces. During the year we urge you to do this in order to avoid inflammation of your gums, bracket debonding, and cavities. On Pesach, you have the added bonus of avoiding a serious halachik problem. Your first step in cleaning your braces is to inspect your teeth and braces closely in a well-lit mirror to make sure that they are spotless. Food can collect behind your wire and behind the “wings” of your braces but not under the bracket itself. The most common area of food storage is between your bracket and your gums. So make sure to lift your lip when inspecting for food debris. The best tools for cleaning braces are still a standard, softbristle toothbrush and floss. Make sure your toothbrush is a soft type and in good condition. In general, your toothbrush or power toothbrush head should be changed frequently since the brackets on your teeth will quickly wear out the bristles. The American Dental Association recommends replacing your brush every three months, so getting a new one for Pesach is a great idea. For extra assistance, you might want to use the Inter-proximal brush included in the care package you received when you first Dr. Edo Lavi, Dr. Eliyahu Gherman Nachal Tamar 1, Ramat Beit Shemesh Tel: (02) 992-3363 | www.lavibraces.com Dr. Eliyahu Gherman 15 Ibn Gevirol St. | Jerusalem | 02 561-9770 | 02 561-9780

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got your braces. This tool slips nicely into areas between your brackets that can be hard to reach with a toothbrush. A few important notes Your metal braces are made of stainless steel, but boiling them or blow-torching them is VERY DANGEROUS. The best way to avoid a halachik problem with your metal braces is to avoid direct contact with hot chametz (on your braces, obviously) for 24 hours before Pesach. So let that post-apocalypse culinary delight known as Manah Chama cool down a bit before eating it on Erev Pesach. Assuming you clean your braces thoroughly, you should be chametz-free for the seder if you adhere to these guidelines.

Cleaned for Pesach Retainers Depending on what type of retainer you have, it is either made from plastic or a combination of metal and acrylic. DO NOT BOIL YOUR RETAINER. You should not be eating with your retainer in your mouth, so there should not really be a problem with chametz, assuming you clean your retainer with regular soap and water. We also have special retainer cleaning products available in our office for those of you interested in removing some of the saliva deposits that tend to accumulate on a retainer over time and getting that retainer to shine for Pesach. Pesach cleaning is a great opportunity to get into better oral hygiene habits. A clean smile is a healthy smile. Wishing all of our patients in Bet Shemesh, Jerusalem and beyond a Pesach filled with good health and happy smiles! 

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Where are you from Stefan? I am originally from Malmoe, Sweden. I made aliya 16 years ago, after the 1997 Maccabiah games where I served as the sports therapist for team Sweden in football and helped the team reach the finals and achieve a silver medal. What are your areas of expertise? Here are the treatments that I offer: Swedish Massage A 60-minute relaxing massage treatment with oils. This massage is for general well-being and increasing blood circulation. This treatment leaves you relaxed and energized. It is a perfect gift for a special occasion! Tuina (Chinese medical massage): This is the most efficient treatment for orthopedic problems and for releasing pain. It is appropriate for the treatment of stiff necks, frozen shoulders and back pain. It is a 30-minute treatment. Acupuncture Acupuncture is good for the treatment of sinusitis, headaches, insomnia (sleeping problems), digestion and also for orthopedic problems when combined with Tuina. Sports Medicine Treatments These are deep-tissue massages which are supportive treatments for knees and ankles. In my clinic I combine Swedish massages, sports medicine and Chinese medicine which includes Tuina, and acupuncture. What are the main issues that you see? The most common issues are related to orthopedic problems such as stiff necks, lower back pain, frozen shoulders or discs that cause radiating pain in the arms and legs. A combination treatment of Tuina and acupuncture has the best effect. For stress that causes sleeping problems, I recommend the Swedish massage that promotes blood circulation and releases muscle tensions. For allergies, acupuncture is the most efficient treatment. What is the actual science behind acupuncture? Chinese acupuncture is a medical technique based on Chinese medicine theories practiced in China for over 4,000 years. It is used for unblocking Qi (energy in Chinese) by inserting needles

Life is so Busy, We All Need to Recharge our Batteries

Time to Listen to

Your Body & Soul

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Interview with Stefan Eilenberg at particular points on the body to balance the opposing forces of Yin and Yang. Qi is an energy that allegedly permeates all things and is believed to flow through the body along 14 main pathways called meridians. When Yin and Yang are in harmony, Qi flows freely within the body and a person is healthy. When a person is sick or injured, there is an obstruction of Qi along one of the meridians. Traditional Chinese medicine has identified 500 specific points where needles are to be inserted for specific effects. Each of the points along a specific meridian has a different effect. Certain points are known to tonify (supplement) the channel, organ or function, others to reduce (sedate), while others have a homeostatic (balancing) effect. The advantages are that you treat the root of the problem and the same treatment can have a positive effect on many other problems. There are no side effects. What is the difference between a Swedish massage and Tuina? A Swedish massage is a 60-minute full body massage with oils that focus on relaxing muscle Enjoy a medical tensions, promoting blood circulation and reduc- massage treatment ing the amount of stress. Tuina is a more specific at your office for treatment that concentrates on a medical, often an your neck, shoulders orthopedic, problem. It is a shorter treatment of 20and back. 30 minutes. It is often combined with acupuncture to get the best results. A new treatment that I offer and want to promote is my Medical Massage at your office. This is a 20-minute massage for the neck, shoulders and back. I come to your office and you take a break from your computer. The advantage of this massage is that there is no need to take off any clothes. It is done without any oils and is a special therapeutic massage. How do all your areas of expertise come together to help your patients? With my long and vast experience I combine several different treatment techniques to give you the best possible treatment. Through an important diagnostic process where I listen to your specific needs by asking questions, we establish the most suitable treatment plan for an efficient recovery. How should people contact you? You can reach me by phone at: 054-491-2299 or e-mail me at: eilenbergs@hotmail.com Check me out at www.stefaneilenberg. co.il or on my Facebook page: Stefan´s Massage Therapy. Any specials for the chagim? For a relaxed chag, enjoy a 20% discount when you purchase a gift voucher. All Bizness Magazine readers get 20% off on all treatments. 

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Architecture &

S

Urban Planning C O M P A N Y

ince 2005, Hezi Hay, and his Architecture and Urban Planner’s office have been members of the Urban Planner’s Union. The office provides quality design services in the architecutural and urban planning fields. Hezi Hay, the office director and owner, has an MA degree in urban planning from Hebrew University plus a practical engineering degree in architecture. He is listed in the practical engineer registry. Hezi’s comprehensive education and considerable experience in the field grant him a wide perspective for the actual planning of buildings and enable him to successfully combine urban planning and architecture. Urban planning includes the ability to plan the enlargment of existing buildings or change land use and enlarge the potential building capacity. Hezi’s philosophy is to use his combined knowledge to provide clients with a high level of service without compromising quality. Because every client is important, the office grants each and every client the time it needs regardless of business size. The uniqueness of the office is expressed in its ability to find original and individual design solutions for every project, placing the client and his needs at the center, while strictly maintaining the time table, carrying out the work on a high level and keeping within the budget. The combination of high quality personnel and their extensive experience enables the provision of

3 Rabbi Akiva Street, Jerusalem Restoration and addition of new floors

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PR O F I L E

professional treatment and personal attention to every client. Included among the many different tasks carried out by the office are the planning of changes for buildings for preservation. This planning includes coordination with governmental preservation and planning offices on all the topics necessary for successful preservation and rebuilding. A special emphasis is placed on the integration of all buildings into neighborhoods through the use of architetural elements and finishing materials that are appropriate for the area and the neighborhood. 3-D models are used in the planning as they enable clients to see just how their buildings will look. The office offers a wide variety of services within the architectural and urban planning fields: • Presentation of professional opinions and building plan reviews for potential buildings and land use • Planning and carrying out building preservations • Preparation of urban building plans • Attaining building permits • Preparation of workplans and supervision during building • Earthquake consultations and planning to meet earthquake standards (Tama 38) Contact Information: Tel. 02-6221935 Cel. 054-4622061 email: hay.arc@gmail.com website: www.hayarc.co.il

9 Kanai Hagalil Street, Jerusalem A new building, includes 31 units and stores

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

Travel safe and with peace of mind.

Happy and Kosher Pesach to our Customers and all Am Israel

Free Car General Checkup for Bizness Magazine readers. Includes lights, tires and wipers

Exclusive Arrangements with all Insurance Companies Yigal Alon St. 24 Bet Shemesh Industrial Area hazomet@netvision.net.il

Tel. 02-991 6520

Mechanics | Wheel Alignment | Electricity | Air Conditioning | Body Work | Painting Room | Windshield Repair Exhaust | Radiators | Accessories | Alarms | Tire Punctures | 10,000 KM Service | Annual Test Preparation

GUM

DISEASE IS A TICKING BOMB

REVOLUTION IN THE EARLY DETECTION OF GUM DISEASE

Interview with Dr. Claude Hayat

T

wo unique and innovative dental clinics, one located in Jerusalem and the other in Tel Aviv, are now offering periodontal care for inflammations and gum disease using a method called “Medical Periodontology.” This method negates the use of surgical intervention and is based on checking dental plaque samples enabling an exact diagnosis of the cause of the disease. The sample-taking is painless and results are reported to patients immediately. The method allows the patient to view on a television screen everything that the doctor sees in the microscope. The clinic is run by two very experienced doctors: Dr. Claude Hayat, who made aliyah from France over 30 years ago and Dr. Yaakov Hababou, who also made aliya from France in recent years and who brought with him a methodology which he learned in Canada and which he has been using for 20 years. What is the meaning of the words “Medical Periodontology?” Periodontology is the science that relates to whatever is found around the tooth itself (the gums, the bone and the tie between them). Medical because gum disease is an infectious disease in every sense and the general health condition of the patient must be taken into consideration. Is gum disease mostly due to poor oral hygiene or lack of professional dental cleaning? Approximately 80% of the adult population suffers from gum disease to some extent. Good oral hygiene significantly lowers the chance of suffering from gum disease. But, since we are talking about an infectious disease, any one of us can get infected, even without any relation to the level of mouth care. Is mouth disease a local problem or can it expand to the rest of the body? We are talking about an infectious disease usually caused by dangerous germs capable of penetrating into the tissues. These germs can also get into the blood stream and affect the entire body. Why should gum disease be treated seriously? Gum disease is a serious problem that leads to tooth loss and the need for tooth implants, which is most definitely not a desired scenario. Gum care is very important. If a tooth has been lost due to gum disease, this can ruin the chance of a successful implant and can cause its loss. 24

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How do sophisticated microscopes help in the treatment of gum disease? We use highly magnifying microscopes (x1000) which enable precise identification of the cause of the disease which facilitates immediate effective care. The mouth is a particularly non-sterile environment naturally filled with germs. Can’t one live with them peacefully? We are not just talking about germs but also about bacteria and harmful parasites which can only be clearly identified by a microscopic exam. Gum disease needs a combination of two conditions: • A large presence of aggressive pathogens • A weakened immune system Because one cannot always identify a weakened immune system, it is preferable to timely get oneself rid of the aggressive pathogens and prevent the creation of pockets. The pockets are the spaces that are created between the tooth and the gums. These grow at different rates for different people and are the sign of the development of gum disease. Who do you recommend take the test? Early discovery of gum disease is important for the entire population. It is even more important among the populations that suffer from diabetes and heart disease as well as pregnant women who, due to gum disease, may end up having a premature birth and/or giving birth to a baby with a low birth weight. From your experience, do you have any special product that you recommend for use to help keep your gums healthy? Personally, I like YAMELINE 300 which is produced from the water of the Dead Sea. But, one must match the toothpaste to the condition of the plaque. Do you have anything you want to add? Yes. It is important to remember that the best implant is the tooth itself. 

Contact info: Tel. 02-5660436. Address: 42 Azza Street, Jerusalem; 7 Bloch Street, Tel Aviv. Website: www.h-tooth.net

What’s Causing Your

Asthma, Eczema, Psoriasis, Hay Fever, Sinus Congestion, Flu, Headaches, Itchy Red Eyes, Fatigue, Sneezing or Bronchitis? Dust mites are microscopic organisms. They reside in all our homes, no matter how clean we keep them. Dust mites often cause allergies because we react to various allergens contained in their droppings.

Our Service

How long does the process take?

We remove the dust mites, their waste products and any bacteria or mold that exists inside your mattress and couch. We then sterilize the surfaces to ensure that any remaining micro-organisms left behind are killed and removed.

Safety

It takes just 35 minutes and mattress and couch are ready to use immediately after our service.

Areas of Service

Jerusalem, Bet Shemesh and the rest of the country.

Completely dry and chemical-free. We only use high-powered, allergy-safe vacuum and germicidal light (the same that comes from the sun) and the same light doctors use to sterilize hospital equipment.

Tel.

054-241-7129

www.sunkissedisrael.com e-mail: michael@sunkissedisrael.com

Fashion for Men and Boys Interview with

David Levi from

Lebo’s 26

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PESACH 2014

Tell us the story behind Lebos. The Lebo’s store was founded in order to serve the general public -- American, Israeli, Chareidim, religious and even those who aren’t. It has proven to work well - serving everybody in one place. For five years we have tried to provide quality service and a pleasant buying experience in the best way possible. Both my brother and I are involved in the business of importing and selling suits, shirts, ties, and, in short, everything related to man’s apparel. In fact, although I am in the field for 14 years, I have always had an affinity towards everything related to clothing. What type of products do you offer? Our slogan is “from head to toe.” And that is exactly how it is at the store. We offer clothes for Shabbat, clothes for holidays and clothes for every day as well as accessories such as belts, ties, cuff links, suspenders, hats, a wide impressive variety of shoes and in addition, underwear. And all from the collections of leading companies in the field such as Bagir, Gio, OHHA, Diplomat, Fruit of the Loom, Hanes, etc. Who is your typical customer? The products are for everyone—children, teenagers and men of all ages, from two years old and up to 120. There is no need to “fillin” from any additional stores since everything you need can be found at Lebo’s. How do you select your products? First of all, we look for quality so that the price spread is very dynamic. The products are coordinated to meet the requirements of the customers. A great man once told me that a cheap product in the end costs dearly. With all this, we try to keep prices at levels that are appropriate for the general population. A close friend of mine who is a smart shopper told me he only buys at your store due to quality and service. What can you add to that?

Bizness Magazine

I can only talk about what I have to offer and one of those things is quality. I will give you an example to what I am referring. There is a woolen suit which is considered expensive and there is polyester suit which is much cheaper. The woolen suit keeps over time. It doesn’t lose its color and it breathes much better for the simple reason that it is made out of wool, a natural fiber. The polyester suit wears out much faster and is much less comfortable. That is what is meant by “quality.” Another important factor is of course the service that we give our customers both before the purchase and also afterwards. At the top of the list is the professionalism of our sales staff. Their extensive experience is expressed by their efficient aid in finding the perfect items which suit the clients and result in full customer satisfaction. In addition, Lebo’s sells products that are exclusive to it, such as the Bagir suits and the OHHA shirts which are known for their quality and are manufactured by us under the very strictest supervision, according to the demands of the clients. All of our products are free of shatnez and there is a shatnez laboratory located in the store which offers its services to products that were not bought by us. We also do free alterations up to two days from the date of purchase. Tell us a nice customer story. I have a short story about a chatan who came to us a few hours before he had to leave for the hall. He told me that as he was getting organized to go out to the hall, he couldn’t find his pants. Within minutes we had him refitted at our store with a matching pair of pants. And he was ready, after a small adjustment, and on his way to the wedding. What is this fund that I have been hearing about? Baruch Hashem, G-d has given us the opportunity to help as much as we can. We do our hishtadlut to make people happy through a fund that helps needy families, such as orphans, and day-to-day problems. In addition to this, for the holidays, the Kupah Shel Tzedakah distributes coupons subsidized by us for the purchase of clothing for a symbolical sum for Bnei Torah. Lebo’s is located on Nachal Nitzanim 3 at the RBS A shopping center. Tel: 02-9916054. 

02 999 3939

Furniture for customers who understand & do not compromise on luxury, beauty and quality. At the best prices in the market - guaranteed WE DELIVER ALL OVER ISRAEL Rehov Bircat Avraham 2, Ramat Shlomo, Jerusalem

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

052-7672480

Insurance

Contents Insurance…Do I Need It?

Lessons: 1. Listen to your parents! 2. If you insure, do it properly and make sure that your possessions are properly evaluated. Do not say it won’t happen to me! 3. Check your appliances. Could this happen to you? 

Part of an interesting teshuva from Rav Moshe Feinstein zt”l on insurance: The teshuva is in Igrot Moshe (Orach Chayim). Rav Feinstein zt”l gives a long introduction as to whether taking out insurance could be considered as lacking trust (bitachon) in Hashem. In a fascinating overview, he touches on many issues that are of vital relevance today and concludes (free translation): “Therefore, since Hashem Yitbarach has given the wisdom to later generations that there should be such a concept of insurance in the world, [through it] one can provide for one’s old age and for inheritance in a natural way. This is a good and worthwhile thing even for kosher, G-d-fearing people, who trust only in Hashem, who provides all material needs. For the one who buys insurance, this, too, is a part of Hashem’s “plan” and the trust in Hashem is that we should be able to pay the premiums each year and this is the bitachon that we must display. The following applies also to fire and theft insurance and also to motor insurance and such insurance shows no lack of trust at all…” (Copies of the full teshuva are available on request.) 

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Reality By Shimon Cohen

Call us for a quote for your house and contents insurance.

Shimon 050-548-2192.

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

What is covered? Theft, loss, break-ins, fire and water damage and third party liability. Many insurance companies are now offering special rates for clients who put in alarm systems and /or bars. Regarding alarms, we suggest that you find out exactly how they work (e.g. at night, on Shabbat, when you’re going away for long periods). Most good firms will give you a non-obligatory quote. Bars are quieter but they spoil the view! You should also check how much of a rebate you can get from your insurance company. Remember, even if you have optimal insurance, a burglary is always unsettling and traumatic and is best prevented completely. 

How would you answer the following questions? (see answers below) 1. Is cash stolen from the house covered? 2. Are unset or loose diamonds covered? 3. Are checks, travel tickets or credit cards covered? 4. We returned home to find our son’s new bicycle missing. (It was locked to a pole outside the house.) Is it covered? Do not leave your house or car keys in easily accessible places (i.e. in the electricity box or on the kitchen counter at night). We have had two cars stolen in exactly this fashion (i.e. a break-in, keys lifted from the kitchen table and cars opened and stolen). You have been warned!!  Answers: 1. Yes. Up to 0.5% of your total contents cover (e.g. for contents of NIS 200,000 you are covered for NIS 1,000 in cash. 2. No, unless such cover has specifically been granted by the insurance company. 3. None of these are covered. 4. If the bicycle was locked, it is fully covered. (The same applies to lawn mowers!)

Y.R.

an avid collector of Judaica and antiques, came into our office a few years back. We set up a contents policy for him. He told us that he had never taken out insurance before this but that his father had insisted! Even though he was traveling to the U.S. shortly, we arranged that a shamai (assessor) come over and make a full evaluation. This was duly done and a full detailed assessment was sent to Y.R. Two months later, on Erev Yom Ha’atzmaut, while the family was at a concert, a fire broke out in their home. How? They had an American clock radio and VCR plugged into a transformer. The transformer (110 volts) was U.S. compatible and not Israeli compatible (220 volts). Two wires touched and the transformer shorted. Because it was not 220 volts, the electricity did not trip and a large fire broke out. Eventually, neighbors saw the smoke. The result was that the top floor was totally gutted; including very valuable collections, all the clothes, etc. Over NIS 150,000 was paid out to a man who “had never taken out insurance before!”

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The

Future of our Children

By Harav Uri Broner, Rosh Yeshiva, Yeshivat HaKidma Hatechnologit Don’t we, as parents, sometimes have different wishes than those of our sons? We, as parents, would like to see our sons grow up to be G-dfearing individuals, that they be knowledgeable in Halacha, have the tools to build a faithful Jewish home, be sincere and honest individuals and have the ability to support their families with dignity. And what does our son wish? We assume that when a child is born and raised in a frum family, that he wants to be frum himself and have a family like his own family. In addition, young people are thirsty for learning and constantly seek that which will stimulate and activate their minds. They do not want to feel cheated or made to learn “stam” information and material that they don’t feel they will need in their adult lives. Therefore, when a young man understands that in order to be an Orthodox Jew, he needs to observe the Sabbath properly, he will be willing to learn all that is necessary to ensure that. This is not to say that he belittles the study of Nezikin, but rather that the laws of Issur v’Heter or those of Basar b’Chalav seem to him more relevant than those of Nizkei Hashor vHachamor. The same applies to secular studies. A boy can understand the need for mathematics, Hebrew and English in his adult life. However, he fails to see the need for additional general studies for the sake of a Bagrut certificate that may or may not benefit him in any way. Why does he also need computer studies? About twenty years ago, I was approached by a young father. He had bought a computer for his children and had the following request: I would like to enable my children to use the computer exclusively for educational programs and only “kosher” games. I do not want them to ever have any access to any types of violent games. I replied to this dear father that I would like him to acquire a car for me that would enable me to drive only to Jerusalem and to the kotel and to use it only for performing mitzvot. I would like him to ensure that I will never have the option of using it to drive to other inappropriate places. In our generation, we are all surrounded by computers. Even someone who does not bring a computer into his home cannot completely prevent his children access to computers and smart phones of varying sorts. So, too, the almost inevitable addiction to the challenges posed by computer games is an uncontrollable phenomenon. Many parents attempt to tear their children away from this addiction and return to the real world. However, it is beyond the power of the children to over32

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come the draw inherent in this addiction, regardless of any promises they have given their parents. In oriental martial arts it is taught that if an enemy attempts to attack you, one should not block his blow but rather evade it and allow the opponent to fall forwards. Likewise, in our war against the current-day Yetzer Hara, since we cannot prevent or curb it, we must utilize the strength inherent in it in order to funnel it to positive purposes. In so doing, we can guide the child to do positive things with the computer and not leave him time to waste on nonsense. In addition, the study of computer software combines quantitative reasoning, creativity and competitiveness. These elements give a young man a sense of responsibility, self-confidence and a striving for excellence. Why is there such an absolute addiction to computer games? When I was a child in third grade, I received a computer game as a birthday gift. This game spurred me to gather eggs from four chickens that were laying eggs constantly. I recall setting a record when I collected 1,843 eggs for 40 consecutive minutes. To this day, I vividly recall the challenge inherent in this game. The computer actually fulfills some of our basic needs from our environment. We desire acceptance, that our surrounding not tire of us and that we always have a greater challenge in life. The computer never tires of you. It is willing to tolerate all your idiosyncrasies. As you progress more and more, it will give you an even greater challenge according to your abilities. Questions on education in the teenage years can be submitted to uribroner@gmail.com Today, one can join Yeshivat HaKidma Hatechnologit and achieve a B.Sc. of the Open University in Computer Science and Life Sciences combined with a morning seder in limudei kodesh. Our targeted student body is within the age range of 16-20. We have also begun registration for Yeshiva Letzeirim within the age range of 14-15. Studies will, B”H, begin on the 28th of Av 5774 (August 24, 2014). We look forward to meeting interested parents and students who are considering our programs. We can be reached at 073- 7057055. Visit us at www.hakidma.com 

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Have Questions About Dr. Bo’s Diet? DON’T

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What kind of foods on diet here are in Israel. Thethe program has plan? been around in the United States for

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nearly a decade with numerous locations. #' (.+ (+ ( ., #, %('! - +& 4+ % 0(+% 6 0 #!"- & ' ! & '- 0 ( /( - Since last April, Dr. Bo’s Diet Israel has gained tremendous success and momentum in Ramat Bet & % + )% & '-, ,. " , ," $ , (+ +, ' 0 ( '(- )+(/# )+ ) $ ! # - Shemesh and has helped many women achieve their weight loss goals. (( ',- 0 0 '- 2(. -( %(, ' -" ' $ ) -" 0 #!"- (7 2 % +'#'! "(0 -( %#/ Chances are you’ve seen someone you know drop 25 lbs. this past year with our program, and we believe you can do it too! #' -" 4+ % 0(+% 6 .,-(& ' #' #/# . %#3 '.-+#-#(' % )% ' 0#%% + - (+ 2(.+

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Since our core focus is long-term “real world� weight-management, we do not advocate meal /(+#- + ,- .+ '-, ' ,.) +& +$ -, replacements such as shakes or bars, and we do not provide pre-packaged diet food. Instead, we want you to lose and then keep the weight off by learning how to live in the “real world.� A custom and individualized nutritional plan will be created for your profile, preference, and lifestyle using the food in your fridge and at your favorite restaurants and supermarkets.

Do you use medication on your program? Will someone be there to support me? (& -#& , 2 , ,(& -#& , '( 0 '- -( , - 2(. .) (+ ,. ,, 2(.+ & # % "#,-(+2 MEDICAL # % ( -(+, ' , (' ,- 7 -( + ,, -"2+(# (' #-#(', # - , "2) +- ',#(' ' & - (%# #,(+ +,

Absolutely. Our staff continually works to coach our patients toward success by identifying triggers, ' '.-+#-#(' % )+(5% ,.))(+- -" ., ( & # -#(' , ,"(+- - +& -((% -( # #' 2(.+ strategizing to overcome challenges, and adjusting the program to each patient’s needs and lifestyle. We offer private, one-on-one meetings with a member of our Nutritional Staff on a weekly basis. Our %('! - +& " %-"2 !( %, -" ' (.+ & # % ,- 7 & 2 + (&& ' #- %-#& - %2 #-, .) -( 2(. program also includes long-term support after patients graduate the core regimen. These private consultations provide three components crucial to success: Focus, Accountability, and Support. 0"# " ))+( " 2(. - $ (-" & # - ' '(' & # - )+(!+ &, + / #% % , %('! , #- #, , ()-#(' 0#-" ( ., (' %('! - +& ,.,- #' % 0 #!"- & ' ! & '- 0 What happens during the free Initial Consultation? The main objective during a patient’s complimentary initial consultation is education. We learn about 0#%% ,.))(+- '2 -((% -" - % , 2(. -( ,. ,, .% (.- (& each patient and then the patient learns about us. During a comprehensive and thorough in-take process,

a profile is created for each individual. Once we have identified the specific set of challenges, we will recommend the most appropriate course of action to reach the goals outlined in our comprehensive 5-Phase program. We will explain in great detail all about our program, what your target weight should Are meetings held in a private or group environment? be, and what you can expect so you can decide if our program is right for you. - , .) -( 2(. 0 (7 + (-" .+ (+ )+(!+ & #' %. , )+#/ - (' (' (' 0 $%2

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At (',.%- -#(', 0#-" (.+ & # % '.-+#-#(' % ' (+ ),2 "(%(!# % ,- 7 (. ' !( -"+(.!" Dr. Bo’s Diet our primary goal is long term, sustained weight loss for our patients. Over the course of our program we address this in many ways: strengthening metabolic function on a physiological(+ level, -" )+(!+ & #' (&)% - %2 )+#/ - '/#+('& '- (+ !+(.) (.', %#'! , ,,#(', slowly transitioning patients from a diet plan back into “real life,� and educating patients about meeting #-#(' % ,.))(+- "# " / + ))+( " 2(. + &(,- (& (+- % 0#-" 0 0#%% ,.))(+- their body’s unique nutritional needs. However, most importantly we look at our relationship with, and behavior around food. We continue to support the patient beyond completion of the initial program, %-#& - %2 #-, %% (.- , --#'! 2(. .) (+ ,. ,, 0#-" %% -" -((%, 2(. ' helping to maintain those weight loss achievements in an enjoyable, long-lasting fashion.

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Kitchen Lighting

By Miriam Goldshtein

K

itchen lighting is very crucial but is often not given the importance that it deserves. Imagine your dream kitchen. It is large and roomy and filled with new electronic appliances. The countertop is sparkling and the sink is shining. The fruit baskets are laid out on the island and there are flowers in the corner. Wait, why is a 1.9 shekel bulb hanging down by one wire from the middle of the ceiling? Stop! Reset! Now, imagine the same dream kitchen, with the same island and the same fruit basket. But this time with a line of designer fixtures hanging elegantly from the ceiling, creating a comfortable and pleasant atmosphere. And imagine bright task lighting, strong and focused on kitchen work areas and the sink to carry out specific tasks. And also atmospheric lighting, warmly lighting up the walls and creating artistic elements by games of light and shadow. The days are gone where kitchen lighting was general lighting alone – a simple white bulb or an economical florescent light in the center of the ceiling. Today’s kitchen lighting is made up of three elements: • General Lighting • Task Lighting • Atmospheric Lighting Proper planning of your kitchen’s lighting will contribute to your kitchen’s functionalism and safety. Proper use of lighting enables a small kitchen to appear large and a large kitchen to appear intimate. Lighting for the kitchen does not have to be expensive, as long as you plan it in advance and have all of the wires, transformers, fixtures and switches installed at the same time as the kitchen itself and not afterwards. General Lighting This is divided into two elements: • Natural lighting from the light of the sun 36

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PESACH 2014

that comes in from outside. • The body of the element that is hung from the center of the ceiling. The element hanging in the center of your ceiling should not be a single bulb. A single hanging bulb creates strong shadows which move as you move around the kitchen. This can be very disturbing. In order to eliminate these types of shadows, use kitchen lighting fixtures which cover a wider area and are made up of several bulbs. Task Lighting This is focused lighting on top of the work area, on top of the stovetop and on top of the sink. Task lighting turns the kitchen into a more functional and easier place to work. The bright light and the focus of the task lighting will help you see better in your kitchen, whether to follow a recipe or to cut an onion. Halogen lights are ideal for creating task lighting. Their light creates a “sun,” natural and strong. And it is less tiring on the eyes than florescent lights. Atmospheric Lights Yes, there are atmospheric lights for the kitchen. Their purpose is for aesthetics and design rather than function. The idea is for this lighting to focus attention on the pictures, the dishes, the artistic needs and other design details such as the wall coverings on top of your counter. We call it dramatic lighting. Dimmers Atmospheric lighting, as well as general lighting, can both be installed with a dimmer. In that way, you control the atmosphere. And, if we are already talking about dimmers, here is a tip on quality dimmers:

For more information, Miriam Goldshtein can be contacted at: KITCHENS showroom: Tchelet Mordechai 1, Bet Shemesh. Phone: 02-624-3773. Hours: Sun-Thurs: 10:30-13:30; 17:30-21:30. The designer is at the showroom from 11:00 - 14:30.

Cheap dimmers have a tendency to give off an annoying buzz. In addition to that, they create electromagnetic waves which can interfere with radio reception. On the other hand, the higher quality dimmers do not buzz and enable you to define a number of dimming levels from the beginning, a very nice and practical trait. The combination of these three types of lighting for the kitchen will give you, in the long run, a variety of solutions for various situations and will turn your kitchen into one that is more functional and safer as well as great to look at. After you have read all this, you surely must understand that it in order to have the perfect kitchen, it is important to have other things rather than just cabinets. And it is important to buy a kitchen from an expert who looks at the whole picture and who takes all the parameters into account. So a kitchen is bought at Kitchens!! If you buy a kitchen there, you will for sure end up with the perfect kitchen. 

KITCHENS wishes all klal Israel a Chag Pesach Kosher V’Sameach

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your Investment Portfolio By Matti Munk

O

ne of the nostalgic feelings of Pesach is opening up the cupboards, unwrapping the dishes wrapped in last year’s newspapers and glancing at the headlines, recalling old events and times. This nostalgic feeling soon passes with the realization that kitchen towels would have saved a lot of washing up. Though we spend weeks Pesach cleaning and making sure that the house is void of chometz, other possessions of ours, no less materialistic but somehow less tangible, are often left unattended. Financial portfolios, though usually void of leaven bread, also need to be cleaned up from time-to-time. Just as the headlines on the newspapers used to wrap the dishes change from year-to-year, a portfolio which is not adjusted to the times will often not perform at its best. Making sure that your investments are up-to-date with the times begins with some of the most basic of decisions, regardless of financial prowess, and involves far more sophisticated choices based on expertise information. Such actions are not reserved for those branded as “high-net worth” but for each individual on his own level. A very basic example is a simple choice. When setting aside amounts in CDs, should you choose fixed or variable rates of interest? If interest rates are at rock bottom but are expected to rise, you may, if choosing a fixed rate for a long period of time, find yourselves in a few months time locked into a low rate when the market offers something far more attractive. Reallocating investments is far more sophisticated than this minor example. The most fundamental factor which should affect your asset allocation and mix is the level of risk you are willing to tolerate. This level of risk changes according to age, immediate and future needs, and, of course, the current financial climate. If you expect to be marrying off a child in the near future, your risk tolerance level is probably lower; if you are thinking of buying a property or have to pay yeshiva fees, you want to guarantee that adequate funds are at your disposal. Similarly, if world markets are suffering due to political events, you may feel less secure and risk tolerant. In the event of such changes, the asset allocation within your portfolio should change. When talking of risk, psychologists often bring a new definition of “perceived risk.” Perceived risk is a risk with a hint of subjectivity. For example, someone living in the US will feel a higher level of risk investing in a local Israeli stock than an Israeli. This is due to objective and subjective reasons. Objectively, the investor has a currency risk (devaluation of the shekel against the dollar) which may affect the value of the investment. Subjectively, the US investor adds the risk of Israel as a smaller, more volatile economy (historically this has been the case) to that of the US. Someone living here feels that less. Therefore, newcomers to Israel may see local investments as a very high risk but after living here, that perceived risk may be much lower, creating a need to change the asset mix of a portfolio.

38

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PESACH 2014

Other important factors in reassessing your assets are the economic trends in individual countries. Many financial experts will recommend stocks based not just on the strength of the company but making sure that the country of origin of that company has a comparative advantage in its field. Germany, for example, is known for its cars and machinery. Israel is known for its technology. Canada has one of the strongest banking systems in the world. These fields change as demographics and national investments are adjusted. Portfolios should change accordingly. When Yaakov went down to Mitzrayim, things looked to be on the up. What was lacking was an exit plan. And, as we know, getting out was a whole different story. It is crucial to have an exit plan when dealing with investments. One of our biggest weaknesses, as humans, is greed. “Ezeh hu gibor, hasameach be’chelko.” Somehow, when investing, people always look for more. Often this procrastination leads to a fall. It is important not only to set goals but once achieving these goals, cash-in on the achievement and move forward. This is not only true about cash assets. A real estate asset, for example, may have been considered an excellent investment in the past. It is anyone’s guess as to where the market may go in Israel. But, if you feel that you have done well enough, maybe it is time to make a change. An exit plan, however, does not just include selling when you have made enough but knowing to cut losses when you are down. Although this is much harder, the old-school method of riding the market through ups and downs may be less relevant today with all the market manipulators, day traders and hedge funds revolutionizing prior theories.

Another point worth mentioning is inflation. In Israel there are umpteen financial tools available to curb inflationary pressures since the economy has had such high inflationary times. In the 1980s, when inflation was in three digits, it was said that it was better to take a cab than a bus because on the bus you paid at the beginning and in a cab you paid at the end, by which time the money was worth less! Most of the world, however, does not have such a wide range of financial products to protect you from losing purchase value. In inflationary times, this must be taken into consideration. In summary, your investment portfolio is like a beautifully newly planted garden. Pretty and colorful and everything well-blended. But, if you don’t take care of it, weeds will grow, flowers will die and the summer flowers will not blossom in the winter. It needs constant attention and care to keep it growing, blooming and bearing fruit.  About the Author Matti Munk manages the International Division of Mercantile Discount Bank. For comments or contact info: matti@mdb.co.il

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Interview with

Shmuli Phillips, J.B.C.

(Jerusalem Business Center) Where are you from Shmuli? London, England. I have lived in Jerusalem now for about 13 years. How did the idea for a business center come about? The concept of flexible office space and delegated admin has really taken off in recent years around the world as an increasing number of people have realized how much it can save them time and money. Is this a growing trend in Israel? Yes. Israel appears to be no exception, although the idea seems to have taken longer to catch on. Some Israelis still seem amazed by the “amazing new concept!” Who can benefit from Serviced Offices? There seem to be several categories of individuals/companies who benefit from our Serviced Offices: • Established Companies/Individuals in Jerusalem: These companies are now able to concentrate on their work without the distractions of having to deal with administration and office management (such as setting up and maintaining high-speed, dependable internet/phone systems, AC, paying bills, hiring and maintaining secretaries, dealing with repairs). The company pays us one monthly bill which includes all of their monthly outgoings and significantly simplifies their bookkeeping. Some clients have commented that by renting through us, they have saved on at least one salary. • Olim and Foreign Companies: These companies particularly benefit from having our Hebrewspeaking staff take care of the unfamiliar and sometimes obstructive bureaucracy involved in office management in Jerusalem. • Start-Ups: These are probably the most suited to our monthly contracts as they don’t need to commit to long-term rentals when they are not yet sure how their ideas will develop. They also avoid having to invest in furniture and office equipment. The size of their rented office space can also be adjusted from day-to-day, depending on their specific requirements. • Daily/Hourly Clients: Currently our fastest growing client-base. This includes companies based in other cities who need an office for a few days a month to meet Jerusalem-based clients as well as local Jerusa40

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PESACH 2014

Is Israel finally

catching up

with flexible office space?

lemites who run their businesses from home but need occasional office space/meeting room time to meet/impress their clients and give them the impression of being an established business. Who are your clients? We have had a wide range of clients, from large Israeli companies (even government bodies) renovating their offices, foreign companies/individuals who are looking for friendly, English-speaking help to establish themselves in Israel, several start-ups and many local businesses who enjoy our flexible, short-term packages which allow them to purchase packages of days/hours to use whenever necessary. Tell us about the facility? JBC is a floor of office-space containing 24 offices and meeting rooms and kitchen and reception areas where our secretaries welcome clients and their guests. There is a car park attached to the building with parking available on an hourly/daily/monthly basis. With what are the offices fitted? Each office has one or two large desks, executive chairs, guest chairs, cupboard and bookshelf. The office comes with high-speed internet and phone points and an (optional) landline phone. Tell us about the Virtual Office concept. Due to advances in technology, small businesses have increasingly been able to work on-line and minimize their need for standard office space. The Virtual Office concept allows them to keep a separate Business Address which can also be used for meeting clients and investors when necessary. Our secretaries answer the client’s dedicated Business Phone Line and take messages or forward calls as instructed. Any Special Packages? We find that each of our clients has its own unique requirements and we pride ourselves on having the flexibility and expertise to tailor our office services to meet them. These include packages of days/hours to be used over time, discounted rates for clients using the office “American Hours Only” (e.g. from 4 p.m.) and additional discounts for those who commit to longer-term deals. How can interested readers get more information? By e-mail at: Info@jerusalembusinesscenter.com; phone: 02-539-1800, Sunday-Thursday 8:30-17:30 or in person: Visit the Jerusalem Business Center, 24 Hillel Street, 5th floor, Central Jerusalem. 

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41

Interview with

David Rephael Bartal Senior Building Contractor

“When I meet with a client we just need to agree on price. The rest they know from my references.” David, how many years have you been in the building industry? This is a family business. I have been in the construction industry since I was 14. I’m 52 now. So this is basically everything I have done in my life. How did you get started? By going along with my father to every project. He taught me the ropes. I learned from observation and from the direct information I received from my father. Do you have formal training? Yes. Many other builders stayed “in the field.” I wanted to be the best I could be. I learned architectural engineering and design. I wanted to be able to help our clients from the design stage all the way to the completion of the project. I wanted to understand what the architects, engineers and designers were doing in order to better service our clients. As people say, I did not want anyone to “tell me stories.” In which markets have you built? All over the country: Tzfat, Tel Aviv, Jerusalem, Bet Shemesh, Ramat Bet Shemesh, Givat Sharet, Heftziba, etc. We now focus on renovation jobs in the center and in Bet Shemesh as I live in the Rama. In which markets have you built? All over the country: Tzfat, Tel Aviv, Jerusalem, Bet Shemesh, Ramat Bet Shemesh, Givat Sharet, Heftziba, etc. We now focus on jobs in the center and in Bet Shemesh as I live in the Rama. What are your typical projects? Although we have built many private homes, shuls, kindergartens and mikvaot, among others, we now focus on renovation projects. What are your typical projects? We build and fully renovate private homes, shuls, kindergartens and mikvaot, among others. What have been your main challenges in this industry? The main challenge is working with professionals who can stick to a schedule and deliver a quality job. It took many years to 42

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find the right teams of sub-contractors. That is crucial because if my sub-contractors deliver on time, then I deliver on time to my clients. How are you different from other builders? I’m precise. I’ve lived in Switzerland. That’s a way of life there. Experience and commitment to my word. There is absolutely no chance that I will not deliver what I offer. I define my company as “business with personality and proper attitude.” We understand that to continue building in the neighborhood you must be straight. Reputation is everything. Why do people say you are “Swiss made?” Because we deliver on time. Over the years I have developed a very special skill to spot any irregularity as it happens. This is why we never have to re-do any part of the job. We do it right the first time. Our motto is NO MISTAKES. That’s part of the secret of delivering the final project within budget and on time. What’s the main challenge for Anglos when they decide to build? To find a builder who is straight and understands their expectations for quality. A builder that can professionally communicate with them and with other professionals involved in the project. What’s the best advice you can give to our readers who are in the process of deciding to build or do a major renovation? Building your home is the most important investment you will ever make. Do your homework. Find the right professionals to work with you in each stage of the project. Save as much as you can but don’t compromise on the quality of people you work with. How about references? Plenty. We build on our reputation. I usually meet with potentials clients after they have done their homework and already know about us. The only thing left to be agreed upon is price. At what stage should people look for a contractor? As soon as they decide to build. We will guide them from working on a budget, to proper design and all the way to project completion. How can people contact you to discuss their project? People can call me at 050-797-5588. 

Bizness Magazine

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“After I was exposed to Interior Design, I knew that I wanted to work in this field.” Interview with Assaf Edry from Doorsill Assaf, can you tell me a little about yourself? I am 37 years old and moved to this area from Jerusalem. I am married and have two children. What’s your business background? I began my business experience in the beverage industry in the area of logistics and acquisition management. After that, I made a career change to marketing and worked in the field of ceramics and interior design where I managed a number of projects for companies involved in that field. That is where I was exposed to the world of doors. How did the idea of opening a door store come about? And why in Bet Shemesh? “After I was exposed to Interior Design, I knew that I wanted to work in this field.” I identified Bet Shemesh as a developing city. I checked out the potential local market and saw that there was a large demand for quality doors. Last Rosh Hashanah we fulfilled the mitzvah of putting up a mezuzah on our door the day we opened the store. We also service the Jerusalem market from this showroom. The Ma Nishtanah question: How is Doorsill different than all other door stores? Doorsill is part of the La Porta national retail chain. We have the same standards of quality but are able to offer a lower price for our customers. At Doorsill we don’t compromise on quality. We import two types of doors from Italy for our clients to choose from— Flexboard (acoustic score of 24 decibels) and Italian Beehive doors (acoustic levels 46

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Bizness Magazine

19 decibels). We work with three leading Italian companies Eclisse, Effebiquattro and Metalglas. Effebiquattro manufactures sliding doors and wing doors. Eclisse manufactures systems for pocket sliding doors and Metalglas manufactures glass doors. What is the process that your customers go through when choosing a door? When a customer comes to us regarding a door purchase we start them off with the basics and explain to them how a door is built and the characteristics of wing doors and sliding doors. We match the customer’s needs to a specific door. The customer is then able to make upgrades by adding nickel lines, windows or sky lights. Installation and delivery are provided in a professional and courteous manner. Who is your typical customer? At Doorsill we work with builders, architects, interior designers and owners of private homes and apartments. What other products do you carry? We sell laminated parquet from Krono of Switzerland and an array of natural stone bricks. Where is your showroom? The showroom is located on Hauman 7 in the industrial area in Bet Shemesh across from the Red Pirate toy store. We advertise nationally and people come from all over the country, primarily from Jerusalem, due to our product quality, level of service and down to earth price strategy. Our telephone number is 02 999 8060. I invite all your readers to visit our website at www.doorsill.co.il We invite you to discover your creativity and design your home with our help. 

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R ef lexology We treat and prevent:

TRUST • FOLLOW-UP • ONTIME FLEXIBLE APPOINTMENTS • FLEXIBLE PAYMENTS • GENERAL DENTISTRY • WHITENING • COSMETIC RESTORATIONS THE “OLDEST” DENTAL PRACTICE IN RBS A ... THE “NEWEST” DIGITAL EQUIPMENT.

infecƟons bone and muscle pain thyroid problems immune system weakness consƟpaƟon and problems with the digesƟve system mono and other viruses prostate enlargement or infecƟon migraines and other neurological problems asthma and much more.

No complicaƟons No side eīects Reexology is a type of foot massage. Through the pressure points that are on the feet, we pinpoint where the imbalance (i.e. sickness) is in the body. Through the feet, we work on the whole body and directly aīect the area that needs treatment.

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“Ezrat Achim is the hidden diamond of Beit Shemesh!!”

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“The rest we had on Shabbos was not hing in comparison to the joy and smile of my special needs son, whe he came off the bus from the Ezrat n Achim Shabbaton. The amount of love and attention is immeasurable. ”

“What do people do in other cities?? How fortunate are we to have a chesed organization that cares for every one of us in Beit Shemesh. Anything I need I know Ezr at Achim is there!”

"Not only did I get a ride back from the hospital after we had our last child, but I found out that hom e made meals were available for our family until my wife got back on her feet. The chessed never ends with Ezra t Achim."

"R. Kopp was like an angel. It didn't matter that it was the middle of the night. He was there to take care of my child's very serious burn and not even a scar. People should never know ... but they need to know!"

"My newborn grandson was in the Neonatal ICU and my daughter needed my support. Without Ezrat Achim and their daily door to door hospital shuttles, I would not have been able to be there for either of them."

“While battling a life threating sickness, I would need to be at Haddasah Ein Kerem three days a week. After my treatment I was barely able to stand or speak, Ezrat Achim thank you for bringing me home safely eve ry time! (And the driver is a sweetheart).

Be a Part of the Chessed

Proceeds from this year's Purim campaign will be going towards the Ezrat Achim Center for Special Needs Children. Please Donate Today : www.EzratAchim.com tel:02-999-0000 email: office@ezratachim.com

Why Do You Want to Be

in Business? By Nachum Kligman

W

hen going into business, the first thing you must ask yourself is, “Why do I want to be in business?” For many people, the main motivating factor is financial. While it is true that if a business is successful, the payoff can be big, there are many “ifs” — and a lot of hard work along the way. Many people prefer to work for somebody else, get a paycheck at the end of the month and go home with fewer worries. If you run a business, everything falls on your shoulders. There is no “punchout” at five p.m. or stress-free vacations. You are on call 24/6. This is true whether you own a doctor’s office or a restaurant, if you are a professional musician or anything else. Everything - advertising and marketing, bills, salaries, etc. – are all your responsibility. You will be working longer hours than you can possibly imagine. Keep in mind that this is all in the start-up stage when you are just trying to launch and get your first client. In a sense, a person needs to be a bit of a “masochist” to be successful. Do lots of research and think it through carefully before deciding. Sit down and spend a couple of hours meditating on this momentous decision. Maybe go to the beach or somewhere quiet. Turn off your cell phone. Do you want to be in business so that you can be your own boss (true, except for your clients’ demands!)? Do you think you can create your own hours? (Actually, you will end up working even longer hours than a paid employee.) Are you doing it for the money or the prestige? Have you researched and understood the risks? What if you fail? Can you afford to take the hit if you fail? Let’s take an example from the world of investors. “Rule Number One” when it comes to investing is that the investor must be able to recover if the investment goes sour. When you write that check, be ready to kiss the money goodbye. A person who can’t afford to lose the investment should not make the investment in the first place — as every investment is a risk. The same is true for anyone who invests in your company. The same guideline is true when starting a business. It could take many months or years before you see any profit or even a steady salary. How will you survive? If you are taking loans, how will you repay them if the business fails? Is your home at risk? [God’s providing] man with his livelihood is as great [a miracle] as His splitting the Red Sea. It is even greater than bringing

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the Final Redemption and twice as great as the miracle of childbirth. – Rebbe Nachman of Breslov The point is that if your goal is to make money, do you have a back-up plan? Do you need to risk it all in order to grow a business? Do you want to start a business…because you are an entrepreneur? Most entrepreneurs I have met have a few things in common. First, they, like me, often have Attention Deficit Hyperactivity Disorder (ADHD) which is a problem with inattentiveness, over-activity, impulsivity or a combination. Fortunately, ADHD works well for me in the business world. Many successful entrepreneurs were or are ADHD, including Andrew Carnegie, Bill Gates and FW Woolworth, to name a few. Most entrepreneurs find it hard to work for someone else. They are just not built to work hard to make other people money. I know I can’t! I have tried. The last time was many years ago. I was newly married and wanted to bring in a regular pay check and assure my in-laws that I was responsible. It was understandable but, what a mistake! Personally, working 8-10 hours a day to make someone else money did not and does not sit well with me. I would rather use those hours to make myself successful, not somebody else. As with everything in life, it was a good learning experience. I understood who I was and who I was not. I don’t mind working harder in order to make a greater profit. But that isn’t for everyone. Once upon a time there was a fisherman who would relax on his boat every day by drinking a beer. Each evening he would bring back between 5-10 fish to eat or sell. One day a wealthy businessman on vacation approached him and said, “I’m going to do you the biggest favor of your life. I am going to buy you a bigger fishing net.” The fisherman asked, “Why do I need a bigger fishing net?” The businessman replied, “Listen, Son. I’ve made a lot of money through the years and you should listen to my advice. If you had a bigger fishing net you could bring back three to four times as many fish as you do in a day.” The fisherman asked, “Why would I want to catch more fish?” The businessman replied, “Well, if you bring back more fish, you could make more money. With more money, you

Bizness Magazine

02 999 3939

could buy a bigger boat, hire more fishermen and bring back even more fish — making more money.â€? —“Why would I need more money?â€? The businessman replied, “Because with more money you could buy a second boat and eventually buy a whole fleet of boats. Then, you could open up your own fish market by selling the fish and then you could start an exporting company to sell your fish virtually all over the world. You can make millions of dollars!â€? — “And then what?â€? Feeling a little exasperated, the businessman replied, “Then you will have millions of dollars. You could relax and fish whenever you want!â€? The fisherman smiled and answered, “But that’s exactly what I’m doing now.â€? There is absolutely nothing wrong with working for someone else. Most people do it. In most cases it means fewer hours at work and less stress, more time for family and learning and a certain degree of job stability. These are all good things. Starting and running your own business can pay off big in the end but it often doesn’t. And it can take a long time to get there in any case. Figure out exactly why you want to start your own business and think on all the hard work and long hours that it will take to make it a success. In the end, I figured out that I am an entrepreneur -- with all the advantages and disadvantages that that entails. My skill set and talents include the ability to see future trends and generate ideas. I am able to take a concept from my head and do whatever it takes to build it into a real company. Being a people person, I also love to help people and to build relationships. Also, I believe very strongly in myself and have a “never-say-dieâ€? attitude. These are things that help me succeed as an entrepreneur. Everyone has his/her own talents and skill set. Do you have the skills and talents to be an entrepreneur? Be honest with yourself. Take a few minutes to write down what your skills and talents are. Don’t be bashful. Now is not a time for modesty. Do you have what it takes? What skills are you missing that you will need to succeed? Can you partner with or hire the people who have the skills that you are lacking? “The greatest leaders are the ones who hire ones smarter than them.â€? – Shaquille O’Neal The more clarity you have on who you are and what skills you possess (and lack) will enable you to make better decisions and whether and how you should go into business for yourself. BOTTOM LINE: Becoming an entrepreneur is not an easy way to earn a living. It takes special skills, determination and support in order to succeed. Make sure you have what it takes and you fully realize what you are getting yourself into before you decide to take the plunge. It is important to ask yourself why you want to be an entrepreneur and why you want to be wealthy.  About the Author Nachum Kligman is a serial entrepreneur, start-up consultant and speaker. His main focus nowadays is Mianzi Fashion (www. mianzifashion.com), a luxury fashion line that keeps the special needs community in mind. He is also the Founder of ViewBix Inc., and the co-founder of KidsOutlet.com among many other startups and projects.

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Tens of Tons of

Chessed for All

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ith the festive spirit of Purim (and its oriental flavor) still in the air, Kupa Shel Tzedaka’s staff and volunteers have yet to rest on the laurels of another successful Matanos Laevyonim collection and distribution campaign. It is time to ensure that no family in the neighborhood lacks for food and clothing this Pesach holiday. In truth, the Kupa’s committee has already met several times to consider the extent of the holiday assistance that will be distributed to each of the hundreds of families it helps year round. In addition, many families who manage on their own throughout the year have difficulty with the additional holiday expenses. These families as well will discreetly receive food and clothing vouchers to help them greet Yom Tov joyfully. What about the many other families throughout the neighborhood, some of whom might even rightfully accept charity and others who are not that needy? We live in RBS A, not in Beverly Hills! Large families and average salaries (at best) are the rule here, not the exception. Something must be done to help alleviate the financial strain that the Pesach holiday places on their finances as well. Keren Lev Yisrael’s annual Grand Pesach Food Sale is one of the many means that the Kupa Shel Tzedaka employs to help families stock up on Pesach staples at way below market prices. As 52

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with the weekly sales, Keren Lev Yisrael accepts orders from all residents of RBS A via its automated telephone system and website. The 120 items offered for sale are all top quality and familiar brand names. The sheer volume of KLY’s orders drastically reduces prices on items that range from produce to meat and from cleaning supplies to paper goods. More than 1,200 families throughout the neighborhood avail themselves of the huge selection and affordable prices. Families, affluent and needy alike, select the products of their choice. The Kupa Shel Tzedaka steps in to subsidize the orders of the neighborhood’s needy families, paying Keren Lev Yisrael for their orders in the amounts pre-determined by the committee. This form of Tzedaka is ingeniously discreet. On the day of the big sale, all arrive at the same pickup point; no one knows who paid in full, who added a donation along with their order and whose order was paid for or subsidized by the Kupa. The day of the big sale takes on the character of a military operation. Over 300 volunteers, a refrigerated truck and two forklifts participate in the distribution, keeping the lines moving along smoothly to facilitate the arrival and distribution of, literally, tens of tons of food and other products over the course of just six hours. Nachal Lachish is closed to traffic and there are two lanes – one for vehicular pick up and the other for pedestrian pick up. Volunteers serve in a variety of roles, with some handing out the items according to the customers’ lists, others packing the items into the trunks of cars and yet others running from station to station giving out water to thirsty volunteers (and customers…) and restocking the items. The festive atmosphere that pervades the neighborhood on ”Sale Day” far surpasses the standard pre-Yom Tov anticipation and joy. The untiring efforts of the volunteers laboring in the early spring heat are accompanied by smiles and laughter. The steady stream of new arrivals meets those departing with their holiday purchases and wishes of “Chag Kosher Ve’sameach” resound along the surrounding streets. Whether one is fortunate enough to pay for the family’s Pesach order in full, or whether one requires the discreet assistance of one’s neighbors through the Kupa Shel Tzedaka, coming home with a full shopping cart, trunk, baby carriage or what-have-you with plentiful Yom Tov supplies is accompanied by a feeling that is indescribably wonderful. Keren Lev Yisrael’s annual Grand Pesach Food Sale is a wonderful opportunity to provide tens of tons of food and chessed for all… 

Bizness Magazine

02 999 3939

CHAG SAMEACH FROM SUPER-PHARM BET SHEMESH YIGAL ALON 1, BIG FASHION MALL, BET SHEMESH TEL. 077-8880930 YITZCHAK RABIN 2, NAIMI MALL, BET SHEMESH TEL. 077-8881980

New and exciting fragrances remind me of spring

ver 200 patients, parents and volunteers were thrilled to attend a major, over-the-top Purim costume party at the famous Globus Max Cinemas in Modiin. Generously sponsored by Yoram Globus and Bennett Kaplan, revelers were treated to a brilliant evening filled with spectacular performers in full costume, an elaborate and dazzling magic show, a magnificent animated movie experience accompanied by a sumptuous dinner and unlimited pizza, cakes, candy displays and ice cream. Every family received beautiful mishloach manot packages and elegant wines donated by the Chevron Heights Winery. Bennett Kaplan, GlobusMax CEO, believes in Chaiyanu’s unique mission and feels that it is one that is very dear to the GlobusMax family. That mission is “To address the emotional challenges children with cancer and their families face from having that awful disease affect such innocent lives.” Says Kaplan, “Outside of the world of therapy, the best possible way to address the situation is to let the children know we care. That is why, whenever Chaiyanu wants to make a gathering, GlobusMax puts together the best of the best for those families; from their staff who get involved in serving, entertaining and just being with them, to the food, the entertainment and of course the movie. In this way, GlobusMax and all its employees have the opportunity to contribute a little part to the healing process for these families.” Kaplan adds, “The GlobusMax family lets these beautiful children and their families know that they care. The staff loves these events. Is there any higher source of joy in the world than to help those in need? “Of course everyone hopes that this need will come to an end quickly and cancer will be eradicated. Until then, however, GlobusMax looks forward to doing everything in its power to help.”  54

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PESACH 2014

Bizness Magazine

02 999 3939

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Rescuing Jewish Girls The

Lehava Organization

Interview with Benzi Gopstein

Why was the Lehava Organization founded? The Lehava organization’s goal is to rescue Jewish girls in Israel before they go off to Arab villages. In only two years, the organization has rescued over a thousand girls — numbers which are growing every day, unfortunately. During the last two weeks alone, we received information on 44 new cases. How do you get reports about relationships between Jewish girls and Arab boys and how do you prevent them? It is usually family members or good friends who turn to us. We have a phone hotline, 054-849-7687, which takes calls 24 hours a day. Calls also reach our internet site and Facebook page. We organize lectures in schools and community centers. After every lecture, we are approached by girls who tell us about themselves or about other girls dating non-Jews. We also get a flood of phone calls as well. We warn against assimilation in places such as supermarkets and stores that employ minorities and beaches and places 56

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PESACH 2014

of entertainment by putting up ads about the dangers of assimilation. The moment we get information about a girl, we start working. In most cases, the girls do not want to stop the relationship and do not cooperate. That is when we send in our operatives, our “magicians” who go to the girls — where they go to school or work — and then convince them to leave the nonJewish guys. Professionals are also sent out into the field to identify “victims” before they fall into the net. We never give up on any Jewish girl. We relate to every girl as if she were our own daughter — even if she’s already married an Arab and they have kids. We try to

Bizness Magazine

convince her to go back to her mother. Can you give us some short success stories? N’s daughter was to marry an Arab whom she met on her job as a cashier in one of Jerusalem’s chain stores. When we found out that she was attending a wedding in the center of the country, our operative went there with her photo. He began a “chance” conversation with her and after a couple of hours he had convinced her to cancel the wedding and cut off her relationship with the Arab. H. left the Arab man she had been seeing but went back to him a year later. Two years later, and with 2 children, she again turned to us for help. Today,

02 999 3939

she’s completely recovered and helps us to save other girls. When we see her son attending a religious kindergarten, walking there with a kippa on his head and tzitzit, we know that we have saved another whole world. C. was a naive Jewish girl from a traditional family who met a Druze pretending to be a Jew on a dating website. They had a relationship for about a year. When she discovered that he was a Druze, it was too late. She had already fallen deeply in love with him. A lot of hard work was needed to convince her to get him out of her head. Can you characterize the girls who fall into the net? Fifty per cent of the girls come from problematic homes and fifty per cent are girls from good, normal homes — secular, traditional, religious and ultraOrthodox. There are many girls from good families, from religious girls’ high schools, Beit Ya’akov schools, settlements and towns. How do you rehabilitate the girls you rescue? We bring those who converted to Islam back to Judaism. Afterwards, we examine the most suitable framework for each girl. Many are sent to Rebbetzin Baranes of the “Chemlaâ€? organization who manages a home for girls in trouble. She gives the girls the warmth and love they are so lacking. After a year or two, all of the girls recover, find a suitable Jewish boy and raise families. That’s our greatest joy! Suitable frameworks are also found for women with children. Why do you need money? There’s no doubt that the biggest mitzvah of charity is to redeem prisoners. Here we really do bring Jewish girls back home. Although the Lehava organization is built on volunteers and our money is not spent on large salaries or newspaper ads, our purpose is prevention. To that end we need informational materials and to cover the expenses of the operatives. We also try to finance the stay of the girls at women’s yeshivot. There’s no doubt that the biggest mitzva of charity is to redeem prisoners, and here we really do bring Jewish girls back home. To report a case call 054-8497687. For info and donations please call, Director of volunteers, Ms. Dikla Alafi at 054-8487385. 

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Pesach Humor

The request Ever the model husband, Berel approaches his boss one day with the following request: “We’re doing some heavy housecleaning at home tomorrow for Pesach and my wife needs me to help with the attic and the garage, moving and hauling stuff.� - “We’re short-handed, Berel,� the boss replies. “I just can’t give you the day off.� - “Thanks, boss.� says Berel, “I knew I could count on you!�

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PESACH 2014

Bizness Magazine

Jewish knight The British Jew steps up and kneels before the queen, and she taps his shoulder with her sword. His turn to be knighted has arrived. But in his overexcited state, he somehow completely forgets the Latin phrase which he is expected to recite at this point in the ceremony. Thinking fast, he blurts out the first sentence in a foreign language he can think of: “Ma nishtana ha layla ha zeh mi kol ha laylot.� Quite flummoxed, Her Majesty turns to her advisor and whispers, “Why is this knight different from all other knights?� Ba’al Teshuva Kid Not expecting anything very dramatic, a father asked his young son what he learned in Hebrew school that day. His son answered that the rabbi had taught them how Moses led the children of Israel out of Egypt. “How?� asked the father. The boy said “Moses was a big strong man and he beat Pharaoh up. Then, while 02 999 3939

Charity Taking advantage of the beautiful weather, Reuven decided to take his Passover lunch to eat in the park. Minutes after settling onto a bench, a blind man came and sat down next to him. Like the bighearted, generous man he was, Reuven graciously passed a sheet of matzah to the man. After a few minutes of handling the matzah with intense concentration, the blind man was stumped. He gave up and asked Reuven, “Who wrote this stuff?� he was down, he got all the people together and ran towards the sea. When he got there, he had the Corps of Engineers build a huge bridge. Once they got on the other side, they blew up the bridge while the Egyptians were trying to cross.� The father was shocked. “Is that what the Rabbi taught you?� “No,� the boy replied, “but you’d never believe the story he told us!�

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Pesach Humor

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Davidaโ s Petting Farm

Moshav Yishi 82 Near Bet Shemesh

Water Slides*

*Depending on weather.

Demonstrations Planting Corner Trampolines

Tractor & Cart Rides

Milking & Spinning Horseback Riding

Big Farm animals Petting Corner

Horseback riding lessons and therapeutic riding during the year. Tickets: Children ages 2+: 35 nis (includes all activities). Adult ages 14+: 15 nis. Please dress modestly.

Hrs: 11:00 -19:00, erev chag & Friday til 16:00

Davida 0505-739899 / 02-9910061

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Biznessโ Best esach Balls

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ALL TYPES OF ELECTRICAL WORK

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Ingredient: Cups almonds 3 Cups walnuts 3/4 Cups sugar 2 eggs+ 1 yolk if needed Icing sugar

Directions: 1. Mix by hand the almonds, walnuts, sugar and eggs 2. Make small balls and roll them in icing sugar 3. Oven 350 F (180C) for 10 โ 15 minutes Very easy to make and Delicious!!!!!

From Small Installations to Wiring an Entire Home PHONE LINES FIXTURES/OUTLETS CEILING FANS PANEL CHANGES TROUBLE SHOOTING COMPUTER NETWORK CABLING LIGHTING CONSULTING

Ari Zigelman 052 577 1039

DOCELECTRIC @ GMAIL . COM SERVICING BEIT SHEMESH & JERUSALEM AREAS

Enjoy!

NY City Electrical Inspector Licensed in New York and Israel LED LIGHTING SPECIALIST

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Bet Shemesh Office:

Nachal Sorek 31, RBS A www.mikolhalev.org.il For Donations call 02 532 3335

Supportive Individual (Work from home)

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443-326-9894

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

Tel. 02 992 5665 Cel. 052 768 8663

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

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1

2

Life Coach

Real Estate Law

Helen Abelesz Background: Helen is a life coach who specializes in working with women who are feeling overwhelmed, lack selfconfidence, dealing with stress or not achieving their potential. Helen will help you pinpoint your insecurities, set goals for you to achieve and empower you to take control of your life. She works in both Hebrew and English. Call her today. 02 992 0263, 054 482 9815.

Nicole Levin Background: Nicole Levin is an American born, Israeli trained real estate attorney with 28 years of experience in the field. She is a Mediator and Notary as well. She has offices in Beit Shemesh and in Modiin. Nicole Levin can be contacted at 02-9915687 and her offices are on the 2nd floor of the BIG Shopping Center office building. Website because www.levinlawoffices.co.il

5

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

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

6

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

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

7

8

Integrative Health

Mortgage

Insurance

Real Estate

Reuven Rosenberg Background: Dr. Reuven M. Rosenberg is a Chiropractor and Clinical Nutritionist. He runs The Integrative Health Center with offices in Jerusalem and Ramat Bet Shemesh. He can be contacted at 052-761-6793, info@DrRosenberg.net or through his website at www.DrRosenberg.net

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

Egert-Cohen Insurance Background: Egert-Cohen is a Jerusalem-based brokerage that specializes in helping Englishspeaking Olim with personal family insurance solutions. They are also experts in travel insurance and incoming tourism. Contact Shimon Cohen at 050-5482192 or Yona Egert at 050-5363897 or visit their website at www.egertcohen.co.il

YOSSI LIPSH Background: Yossi Lipsh is one of the most experienced realtors in Bet Shemesh. He is the founder of Yossi Lipsh Realty. They specialize in buying, selling and managing properties in Ramat Bet Shemesh. Their office is located on Nachal Dolev 38, RBS A. Contact information: 02-999-4466; 052-396-0551. E-mail: info@ yossilipshrealty.com Website: www.rbs-realty.com Facebook: RBS-Realty

9

10

Car Mechanics

Business Growth

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

Ariel Topf Company: Bizness Magazine

64

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PESACH 2014

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

Bizness Magazine

10

Ask Any Questions

Experts You Can Call

02 999 3939

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