Boro Park Buzz March 1 2015

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Bringing you the Buzz on Savings & Events

Volume 2, Issue 38

March 1st 2015

Winter is on, SO ARE WE

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How Do You Say“Thank You� for the Gift of a New Life?

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The messengers of Kupat Ha'ir will pray on Purim day, at 26 different auspicious sites throughout the world, following the detailed guidance of Maran Hagaon Rav Chaim Kanievsky, shlit"a and Maran Hagaon Rav Yaakov Edelstein, shlit"a.

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Who Really Owns YOUR Credit Card Miles & Points? Part 2 BY getpeyd.com In our last column, we mentioned that a rabbi who had sued Northwest claiming their forfeiture of his mileage account and elite status was illegal, lost his case due to the decision of the supreme court that since airlines were protected by federal law from being sued, his lawsuit claiming the airlines were in violation of good faith business practices could not go forward. We mentioned at the time, the court hadn’t decided whether the rabbi’s claim was valid or not, and that it wouldn’t take long for someone else to raise this same issue, perhaps instead focusing on the point programs offered by the credit card companies who weren’t governed by the airline regulation law. What we couldn’t foresee was that an elected official with increased authority and power would be the one who decided to further pursue this matter.

Originally from the Bronx, Congressman Alan Grayson, a Democrat hailing from Florida’s 9th congressional district, which includes Orlando, has contacted the Office of the Inspector General of the Department of Transportation to launch an investigation into the airlines practice of constantly changing the value of mileage programs and making free tickets tougher to come by and award

seats harder to reserve. He claims these practices are deceptive and unfair and has demanded an inquiry.

What makes this inquiry

by Congressman Grayson very interesting is that he has exorcised his authority as a lawmaker to bypass the courts and contacted the federal authority which regulates the airline industry and was the governing body that initially created the airline deregulation law that protects the airlines from being sued.

In an interview with CreditCards. com, Congressman Grayson focuses on the fact that the inspector general has the authority to regulate functions of the airline industry, not just the actual flying of passengers and that overall based on his observations the mileage practices in question are “deceptive” and thus under the purview of the inspector general to review and regulate.

In his claim that these practices are deceptive, he cites a number of practices that he has experienced (as many of us have experienced as well) including: 7KH HYHU FKDQJLQJ DQG constant devaluation of the miles and points including changes without appropriate notice.

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various award levels.

7KH IDFW WKDW LQ VRPH instances you can search for almost a year in advance and not find mileage seats available for seats the airlines claim is available when they advertise their mileage programs.

Although our idea for solving this issue was to put the banks/credit card companies under increased scrutiny and not the airlines, Congressman Grayson has rightly focused his inquiry on the airlines themselves as he correctly states the banks have paid literally billions of dollars to partner with airlines to promote their frequent flier programs to credit card holders to they can gain additional consumers, and the airline’s policies are the reason why the point programs and of course, the airline miles, are constantly being devalued beyond the customer’s control.

The actual text of the letter of inquiry sent by the inspector general on September 11th of this year is short, but fascinating: From: Matthew Hampton Assistant Inspector General for Aviation Audits To: General Counsel For more than 30 years, major airlines have offered frequent flyer programs to encourage travel on

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their respective airlines and secure customer loyalty. In addition to earning awards by flying, participants can earn awards for free travel by using certain credit cards and purchasing VHUYLFHV IURP QRQ DLUOLQH SDUWQHUV such as hotels and rental car agencies.

Currently, there are an estimated 647 million members enrolled in various frequent flyer programs worldwide, with 306 million members enrolled in U.S. airline programs.

The Department of Transportation (DOT) does not have regulations directly related to the terms of airline frequent flyer program contracts.

These are matters of individual airline policy. However, DOT does require that airlines disclose their frequent flyer program rules. DOT also provides guidance to airlines for disclosing costs they may assess UHODWHG WR ERRNLQJV RI IUHTXHQW IO\HU award travel.* Failure to adhere to DOT’s guidance could constitute an unfair and deceptive practice in which

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enforcement actions can be pursued against the airlines.

In July 2014, Representative Alan Grayson requested that we examine airlines’ frequent flyer program practices. In particular, Representative Grayson expressed concerns about the lack of transparency for consumers when airlines change their frequent

flyer program terms and conditions.

Accordingly, our audit objective will be to assess DOT oversight of airlines’ compliance with frequent flyer program disclosure requirements.

We plan to begin our audit later this month and will contact your audit liaison to schedule an entrance conference. We will conduct our

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work at DOT Headquarters and selected airlines (to be determined). *Under DOT guidance, any government fees or taxes or mandatory carrier charges, such as processing fees the consumer PXVW SD\ LQ IUHTXHQW IO\HU DZDUG programs, must be shown on the airlines’ Web sites is clear evidence at this point that there is misleading and deceptive activity on the part of the airlines.

We remind our readers that Congressman Grayson’s focus is on the mileage programs themselves; the lack of advance notice and devaluation specifically, and not on the issues we raised in our last column where the airlines restrict the usage of miles and points to the cardholder, and frown upon the sale and usage of these programs by an individuals who haven’t earned the miles and points directly.

However, as we stated last week, we believe quite strongly that the frequent flier and point programs are unfair, in violation of good faith business practices and ultimately need to be reformed. And now, a federal official feels the same, and this inquiry has the ability to completely change the landscape of the rewards programs offered by the airlines and open them to additional scrutiny. We look forward to seeing the results of the inquiry and would love to hear your comments, thoughts and opinions.

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Arthritis and Stages of Subluxation Hello Everyone, Have you ever heard of the word Subluxation?

That is when a vertebra moves out of place and presses on the nerve. This causes pain and that is the primary reason people come into my office: to get out of pain.

What I basically do when you come in to see me is to gently remove the pressure of the bone out of place so it does not press on the nerve and cause inflammation.

What causes Subluxation?

Usually some form of trauma in the form of a fall, car accident or repetitive motion such as sitting at the desk or computer all day in the wrong position.

Many times I have to ask a few times to determine if you ever had a car accident. People feel that a “slight” car accident doesn’t count. Studies have shown that even a small fender bender with the car traveling at a speed of 8 mph can cause long term whiplash injury!

Most people have had some form of car accident some time in their lives. Latest reports show that more than 2 million people are injured each year in the US from car accidents!.

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What happens is that when one has a trauma of any sort, the ligaments are weakened and spinal vertebrae misalign to protect the brain and nervous system from more serious trauma or concussion. If these vertebra are not realign right away, then the spine is set up to go into a process of: Subluxation Degeneration There are four stages to the degenerative advancements of the spine: 1. The spine merely misaligns.

2. The normal spinal curves begin to change. That’s where you get problems such as scoliosis and hunchback.

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One notices an inability to turn ones neck and in more severe cases we see people so bent over that they cannot even look forward. They are forced to look at the ground as they walk.

See the example below: Inline image 1 This whole process can take EHWZHHQ \HDUV If you or anyone in your family had a trauma or is experiencing chronic pain, Don’t Wait.

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Brooklyn, New York (March 2015)â&#x20AC;&#x201D;Just one year ago, Ohr Naava DVWRXQGHG WKH IUXP ZRUOG ZLWK D ILUVW RI LWV NLQG HYHQW WKDW IXVHG IDEXORXV shopping with gastronomic delights, all to support a beloved organization.

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49

: m i r u P d n a l o h o c l A It Is Not a Mitzvah to Get Drunk on Purim!

A

bout two years ago, the Orthodox Union launched a campaign against excessive alcohol consumption in the Jewish community, paying special attention to substance abuse within our community at large and within our adolescent population in particular. We undertook this campaign after meeting with pulpit rabbis and day school principals from the greater New <RUN DUHD ZKR LGHQWLÂżHG DOFRKRO DQG substance abuse as a major problem among our teenagers. In response, the OU developed a multifaceted strategy, under the rubric â&#x20AC;&#x153;Safe Homes, Safe Shuls, Safe Schools.â&#x20AC;? Our call for the elimination of â&#x20AC;&#x153;Kiddush clubsâ&#x20AC;? â&#x20AC;&#x201C; which has met with great success â&#x20AC;&#x201C; was just the ÂżUVW VWHS LQ WKLV FDPSDLJQ One challenge we face as frum Jews is the upcoming holiday of Purim, which has been characterized in past years by excessive drinking, resulting in disgraceful behavior, unsafe practices, and even real tragedy. But, because Purim has been traditionally associated with the drinking of wine â&#x20AC;&#x201C; indeed, drinking on Purim has a halachic basis in a Talmudic source â&#x20AC;&#x201C; our call for zero tolerance of drinking on Purim among teenagers, and for sincere moderation

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of drinking on Purim among adults, has met the objection, â&#x20AC;&#x153;But itâ&#x20AC;&#x2122;s a mitzvah!â&#x20AC;?

The fundamental rationale of our opposition to alcohol consumption by teenagers on Purim is the fact that drinking often leads, especially among youngsters, to serious medical consequences. It is instructive that among the strong supporters of our campaign have been members of Hatzoloh, the rescue and ambulance corps, who report that Purim does not go by without incidents of toxic reactions to alcohol requiring emergency treatment, driving accidents, and sometimes even deaths.

These considerations of health and pikuach nefesh (the saving of lives) easily transcend whatever mitzvah might be involved in drinking on Purim.

Secondly, and very important, is the fact that it is against the law for an adult to knowingly provide alcohol to individuals who are underage. While there may be exceptions when wine is served for ceremonial purposes, exception clearly assumes that no more than a symbolic quantity is ingested. Teachers or rebbeim who supply minors with wine or liquor on Purim are in violation of the law of the land.

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CONTINUED ON PAGE 52

RABBI DR. TZVI HERSH WEINREB, PHD

MAGAZINE

s n e e T r u o Y e l d n a H WS o E I t V T R w E o P H TWO EX

Drinking Al Pi Torah AN INTERVIEW WITH DR. NAFTALI FISH

M

any teenagers are struggling ZLWK WKH FRQĂ&#x20AC;LFW EHWZHHQ what it means to be a frum teenager versus what it means to be an American teen.

In American culture, the purpose of drinking alcohol is to have a good time, be wild, uninhibited, cool. Someone who isnâ&#x20AC;&#x2122;t interested in these things is considered to be a loser. The teenage years are supposed to be the time for H[SHULPHQWV QHZ H[SHULHQFHV WR ÂżQG oneself and to rebel. Teen drinking is considered acceptable as part of the overall framework of the secular culture.

2Q WKH Ă&#x20AC;LS VLGH LV WKH YLHZ WKDW alcohol is evil and that itâ&#x20AC;&#x2122;s sinful to drink. America has historical roots in temperance movements and Prohibition, when a constitutional amendment banned alcohol from 1920-1933.

The Torah attitude toward drinking is completely opposed to either of these cultural extremes. The Torah attributes the greatest sanctity with wine. It is considered a means to lift the soul and bring one closer to Hashem. Wine is supposed to be used in moderation. We are supposed to enjoy the pleasures of

this world and elevate them.

Dr. Abraham J. Twersky has said that in our post-Holocaust era, â&#x20AC;&#x153;we have forgotten how to drink as Jews.â&#x20AC;?

He compares our time to the time after the Flood, when Noach planted a vineyard and proceeded to get drunk. â&#x20AC;&#x153;We have crossed over the thin line of knowing how to drink,â&#x20AC;? contends Dr. Fish, a clinical psychologist and addiction authority. â&#x20AC;&#x153;Kiddush has degenerated into kiddush clubs at mussaf. Adults, with their children and teens closely watching, have started drinking in the goyishe way. Âł+RZ GR ZH IXOÂżOO WKH PLW]YDK on Purim? The purpose of drinking on Purim is to break out of our narrow view of reality and to be able to glimpse that which is normally concealed. By drinking wine in the correct way, we can bring out the deeper parts of ourselves, remove some of the constrictions we normally feel, and remove our masks. Through our drinking we can feel closer to Hashem.â&#x20AC;?

Unfortunately, Purim has degenerated into a substitute â&#x20AC;&#x153;New Yearâ&#x20AC;&#x2122;s Eveâ&#x20AC;? (lehavdil). Teens get drunk, become rowdy and destructive.

CONTINUED ON PAGE 84

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hayei halachic authority, the C y ur nt ce h nt ee et nin e t ... th ility to “One need only consul ay diminishes one’s ab w y an in ing ink dr e th if it Adam, who rules that and Birkas HaMazon, er ay pr g rin du t en int ith proper perform the mitzvos w is better not to drink.“

Rabbi Dr. Tzvi Hersh Weinreb, continued from page 50 While no one wants to seem prudish or to advocate total prohibition of alcohol, for those sectors of our population in which the call for moderation is likely to be ignored, I believe that zero tolerance is the only alternative. Adolescents, as well as adults with alcoholic tendencies, cannot be relied upon to effectively practice moderation; we therefore are calling for total abstinence on Purim among those populations.

It is instructive to study the sources in halachah for drinking on Purim and to recognize that, although the Talmud clearly states it is an obligation on Purim to the extent that “one cannot distinguish between ‘cursed be Haman’ and ‘blessed be Mordechai,’” it is not clear that the Talmud means to become intoxicated; rather, it may be understood as “getting a buzz.”

One of my personal favorite works on the spiritual underpinnings of halachic practice is Yesod Veshoresh Ha’avodah, The Foundation and Root of Worship, by Rabbi Alexander Ziskind of Grodnow. He writes that one must realize that the Talmud suggests only “livesumei,” and does not use the term “lehishtaker,” which would mean to “become drunk.” The former term means to drink just enough that one’s heart is lightened and one can truly indulge in the spiritual celebration of the theme of the day of Purim. Rabbi Ziskind goes on to say that, because the Jewish people are often so burdened with sadness that it is impossible for them to achieve the mood of thanksgiving and joy required

on Purim, a little bit of wine to ease their worry is advised, but certainly not more.

One need only consult the Mishnah Berurah, the standard twentieth century commentary on the Shulchan Aruch, authored by the Chafetz Chaim. With reference to Purim, the Chafetz Chaim quotes the medieval commentator, the Meiri, who forbids drunkenness, as well as the nineteenth century halachic authority, the Chayei Adam, who rules that if the drinking in any way diminishes one’s ability to perform the mitzvos with proper intent during prayer and Birkas HaMazon, it is better not to drink.

The OU’s National Conference of Synagogue Youth (NCSY) has met the challenge of alcohol abuse head on.

This is after noticing a marked increase in recent years in the number of young people who try to sneak in liquor to one of its events. NCSY has a zero tolerance for alcohol at all events, including Purim, and urges that even Kiddush be recited on grape juice and not wine. Possession of alcohol at an NCSY event is grounds for immediate expulsion.

My own personal concern for this issue traces back to occurrences I witnessed myself when I lived in Baltimore, where the excessive consumption of alcohol on Purim resulted in a fatality in one case and in serious illness in others. My concern was again triggered by an incident at an NCSY Shabbaton, at which, despite stringent controls and warnings, a teenager was able to smuggle in alcohol and drank enough to require emergency

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treatment at a hospital.

Today’s concerns are nothing new. One of my wife’s ancestors, the nineteenth century chassidic sage, Rabbi Yechezkel of Kuzamir, was also troubled about improper conduct on Purim. He would note that the common blessings we give each other at this season of the year are “a freiliche (joyous) Purim and a kosher Pesach.” He pointed out that of course our Purim will be joyous, and of course our Passover will be kosher, given the scrupulous ways in which we observe our customs. It is more important, he said, that we bless each other with a “kosher Purim and a joyous Pesach.” On Passover we tend to be so strict that we lose sight of the need for joy, and on Purim we tend to be so frivolous that we ignore the need to act in a kosher and proper fashion.

I pray that the entire Jewish community will pursue this goal in every way possible, so that this Purim will be not only joyous but also kosher, and that the spirit of the day will be kept spiritually and not “spirit-fully.”

Rabbi Weinreb is Executive Vice President of the Orthodox Union, former rav of Shomrei Emunah in Baltimore, and a clinical psychologist. This article was previously published in the Where What When, Baltimore.

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Synthetic made gold crystals by the chemical transport reaction in chlorine gas

Gold is at an all-time high, and in the 2011 international gold rush, women are raiding their jewelry boxes and coming up trumps.

A. KLEIN

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D

iamonds may be forever, but that doesnâ&#x20AC;&#x2122;t include the settings.

Gold is at an all-time high, and in the 2011 international gold rush, women are raiding their jewelry boxes and coming up trumps.

Recently, I was in a high-end jewelry store, getting a battery watch changed.

The door clanged open and in walked two women, clutching a small velvet bag. They spilled out the contents onto the counter, watching as the jeweler examined each piece in turn and weighed it carefully. After SXQFKLQJ D IHZ Âż JXUHV LQWR D FDOFXODWRU KH TXRWHG D Âż JXUH KH ZRXOG SD\ LQ H[FKDQJH for the necklaces, earrings and bracelets that sat there, sparkling in the glare of the spotlights.

To me, jewelry has always had a value disproportionate to what itâ&#x20AC;&#x2122;s worth. Each bracelet tells a storyâ&#x20AC;&#x201D;it reminds me of a precious person or a memorable occasion.

Why were these women willing to part with pieces of their heart, I wondered. â&#x20AC;&#x153;Iâ&#x20AC;&#x2122;ve been waiting forever for a new sheitel,â&#x20AC;? one of them answered me. â&#x20AC;&#x153;This is the only way I can afford it.â&#x20AC;?

The price of gold has never been so high.

Thatâ&#x20AC;&#x2122;s part of the reason why, walk past any jewelry store and youâ&#x20AC;&#x2122;ll see the sign emblazoned: We Buy Gold! But who buys gold, and, more importantly, who sells gold?

Gold dealer David Scott sees two extremes in the course of his work. â&#x20AC;&#x153;There are the people who have no money, who sell their jewelry to pay their electricity bill. And there are also people who are very well off, who hand me a weighty jewelry box and tell me to work through it. They want to exchange jewelry that might never have been worn or that may be out of fashion for jewelry thatâ&#x20AC;&#x2122;s more in with the latest style.â&#x20AC;?

David Scott constantly receives phone calls from people looking to sell gold. ³7KHUHœV GH¿ QLWHO\ D EX]] DW WKH PRPHQW ´ he says. David is constantly busy, answering and receiving phone calls, and he agrees that Israel is one of the most competitive gold markets in the world. In IDFW WKH PDUJLQ RI SUR¿ W WDNHQ E\ GHDOHUV in Israel is far less than in the US and Europe; while in Europe, the seller might

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63

If my mother-inlaw knew I was selling this... receive a high of seventy percent of the goldâ&#x20AC;&#x2122;s value per gram, in Israel, the seller receives something more in the region of ninety percent. David capitalizes on the gold buzz by organizing gold parties.

Whatâ&#x20AC;&#x2122;s a gold party? I ask. David explains: â&#x20AC;&#x153;A gold party is when a group of women get together to sell or just price their gold.â&#x20AC;? It doesnâ&#x20AC;&#x2122;t really matter how many women come, the important thing is that there LV D VLJQLÂż FDQW DPRXQW RI MHZHOU\ WKHUH 7KHVH SDUWLHV differ widely. â&#x20AC;&#x153;I always provide refreshments,â&#x20AC;? says David, â&#x20AC;&#x153;but the atmosphere is created by the people LQ DWWHQGDQFH 7KHUH DUH WLPHV ZKHQ WKHUHÂśV D JURXS of women laughing and joking and having a great WLPH 7KH\ FRPH IRU DQ HYHQLQJ RXW DQG WKLV LV WKH HQWHUWDLQPHQW 7KHUH DUH RWKHU SDUWLHV WKDW DUH TXLWH different, where Iâ&#x20AC;&#x2122;m stationed in a separate room.

People present their jewelry individually, keen to protect their privacy.â&#x20AC;?

7KH EHVW RI DOO SHUKDSV DUH 'DYLGÂśV LQQRYDWLYH charity events. â&#x20AC;&#x153;I tell charities to organize gold parties DQG , ZLOO WKHQ JLYH WKHP Âż IW\ SHUFHQW RI P\ SURÂż WV ´ One can hear the pride in Davidâ&#x20AC;&#x2122;s voice as he talks about how he combines doing what he loves to help others.

What sort of jewelry do people sell? Davidâ&#x20AC;&#x2122;s sister company in Europe sees mainly nine carat gold, but LQ ,VUDHO ZKHUH 'DYLG LV EDVHG WKH TXDOLW\ RI JROG LV often higher. David also deals in coins, which can be as high as 24 carat. â&#x20AC;&#x153;Sometimes, people sell me jewelry and they comment, â&#x20AC;&#x2DC;If my mother-in-law knew I was selling this...â&#x20AC;&#x2122; But mostly, I only see that phenomenon when SHRSOH DUH GHVSHUDWH IRU WKH PRQH\ 7KDWÂśV ZKHQ WKH DQWLTXHV FRPH RXW RI WKH FORVHW DV ZHOO EXW PRVW SHRSOH VHOO DQWLTXHV ZKHQ WKH SHUVRQ ZKR JDYH LW WR them is no longer alive. Some of these pieces have been in the family for generations, and itâ&#x20AC;&#x2122;s terribly sad for people to let go of them.â&#x20AC;? Sadly, David also sees the wedding and engagement rings of divorcees. :KHUH HOVH FDQ SHRSOH Âż QG JROG" ,Q DGGLWLRQ WR jewelry, other sources for small amounts of scrap gold include: old cell phones, computer motherboards, and other scrap electronic circuit boards. Older dental gold can be 24 carat but is usually 18 carat. Partials and bridges sometimes have gold underneath the ceramic

(0-% 4&$63*5: "("*/45 */'-"5*0/ Gold is not only one of the most stable of metals, its price seems to stay stable as wellâ&#x20AC;&#x201D;relatively speaking, that is.

Apparently, at the time of the destruction of the Second Beis HaMikdash, an ounce of gold bought 350 loaves. An ounce of gold still buys roughly 350 ordinary sliced loaves today.

Gold has certainly enjoyed a sparkling decade. Gold is traditionally priced in dollars and is still weighed by a medieval measure called the Troy ounce. One ounce (just over 30 grams) currently costs about $1,375, compared with just over $200 an ounce in 2001 â&#x20AC;&#x201C; an almost sevenfold increase.

Economic uncertainty has helped drive gold prices: in Í&#x2013;Í&#x201D;Í&#x201D;Í&#x153;ÇĄ Â&#x192;Â&#x2013; Â&#x2013;Â&#x160;Â&#x2021; Â&#x160;Â&#x2021;Â&#x2039;Â&#x2030;Â&#x160;Â&#x2013; Â&#x2018;Â&#x2C6; Â&#x2013;Â&#x160;Â&#x2021; Â&#x2030;Â&#x17D;Â&#x2018;Â&#x201E;Â&#x192;Â&#x17D; Ƥ Â?Â&#x192;Â?Â&#x2026;Â&#x2039;Â&#x192;Â&#x17D; Â&#x2026;Â&#x201D;Â&#x2039;Â&#x2022;Â&#x2039;Â&#x2022;ÇĄ Â&#x2013;Â&#x160;Â&#x2021; Â&#x2019;Â&#x201D;Â&#x2039;Â&#x2026;Â&#x2021; rose by almost 44 percent over the year, as the asset class has traditionally been seen as a haven amid times of stock market turbulence.

But although equities recovered, and enjoyed buoyant returns in 2010, gold prices have continued to surge ahead.

British investors saw a 34.5 percent return on gold last Â&#x203A;Â&#x2021;Â&#x192;Â&#x201D;ÇĄ Â&#x192;Â&#x2022; Â&#x2039;Â?ĆŞ Â&#x192;Â&#x2013;Â&#x2039;Â&#x2018;Â? Â&#x192;Â?Â&#x2020; Â&#x2014;Â&#x201D;Â&#x2018;Â&#x2019;Â&#x2021;Â&#x192;Â? Â&#x2020;Â&#x2021;Â&#x201E;Â&#x2013; Â&#x2019;Â&#x201D;Â&#x2018;Â&#x201E;Â&#x17D;Â&#x2021;Â?Â&#x2022; Â&#x2022;Â&#x2019;Â&#x192;Â&#x201D;Â?Â&#x2021;Â&#x2020; new fears in the markets.

In fact, over the past 10 years gold has fallen in value in only one year â&#x20AC;&#x201C; in 2004, when prices dipped by just 2 percent. Â&#x192;Â&#x2013;Â&#x201D;Â&#x2039;Â&#x2026;Â? Â&#x2018;Â?Â?Â&#x2018;Â&#x17D;Â&#x17D;Â&#x203A;ÇĄ Â&#x2018;Â&#x2C6; Â&#x2013;Â&#x160;Â&#x2021; Ƥ Â?Â&#x192;Â?Â&#x2026;Â&#x2039;Â&#x192;Â&#x17D; Â&#x192;Â&#x2020;Â&#x2DC;Â&#x2039;Â&#x2022;Â&#x2021;Â&#x201D; Â&#x160;Â&#x192;Â&#x2022;Â&#x2021; de Vere, said: â&#x20AC;&#x153;There continues to be bullish statements and bold predictions about gold and the assumption that the returns seen over the past decade are now the norm.

There were similar sentiments in 1999 about technology stocks, and the belief that the only way was up.â&#x20AC;?

He pointed out that there is a real danger that this could be a â&#x20AC;&#x153;gold bubble,â&#x20AC;? and when prices do eventually fallâ&#x20AC;&#x201D; which they willâ&#x20AC;&#x201D;the correction could be far sharper and last longer than many people expect. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s easy to forget that gold prices can go through prolonged downturns. Â&#x2014;Â&#x201D;Â&#x2039;Â?Â&#x2030; Â&#x2013;Â&#x160;Â&#x2021; Â&#x2021;Â&#x2039;Â&#x2030;Â&#x160;Â&#x2013;Â&#x2039;Â&#x2021;Â&#x2022; Â&#x192;Â?Â&#x2020; Â?Â&#x2039;Â?Â&#x2021;Â&#x2013;Â&#x2039;Â&#x2021;Â&#x2022;ÇĄ Â&#x2013;Â&#x160;Â&#x2021; Â&#x2019;Â&#x201D;Â&#x2039;Â&#x2026;Â&#x2021; Â&#x2018;Â&#x2C6; Â&#x2030;Â&#x2018;Â&#x17D;Â&#x2020; Â&#x2C6;Â&#x2021;Â&#x17D;Â&#x17D; Â&#x201E;Â&#x203A; 70 percent.â&#x20AC;?

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The worldâ&#x20AC;&#x2122;s largest gold bar weighs 250 kg.

Toi museum, Japan.

" 41"3,-*/( $&-&#3"5*0/

overlay and can be accessed with a hammer. Be FDUHIXO WKRXJK ,W ZLOO Ă&#x20AC; \ HYHU\ZKHUH ZKHQ \RX KLW LW White metal in dental hardware can look like platinum but is not to be confused with carbochlor, which passes the acid test for gold and platinum. Either way, this can EH VHQW WR UHÂż QHUV DQG LW ZLOO EH DVVD\HG MXVW OLNH JROG and Pl. Buy it, sell it, or wear it; economic concerns notwithstanding, women world over are doing what KDV EHHQ GRQH IRU FHQWXULHV HQMR\LQJ WKH FOLQN WKH glitter and the sparkle of that beautiful adornment that GUHVVHV XS D IDYRULWH RXWÂż W RU DGGV D WRXFK RI FODVV WR D special occasion.

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To celebrate the 2012 London Olympics, the Royal Mint plans to manufacture a gold coin with the value of ÂŁ1,000. The solid gold coin will weigh 1 kilogram, quite literally, burning a hole in your pocket. As it will be legal tender, theoretically, you could take the coin into Marks and Spencerâ&#x20AC;&#x2122;s and use it to pay your bill. In practice, though, only sixty such coins will be made, and they will be snapped up by collectors at a probable value of around ÂŁ45,000. Around 14,000 silver ÂŁ500 coins will also be minted. Â&#x160;Â&#x2039;Â&#x2022; Â&#x2039;Â&#x2022; Â?Â&#x2018;Â&#x2013; Â&#x2013;Â&#x160;Â&#x2021; Ƥ Â&#x201D;Â&#x2022;Â&#x2013; Â&#x2013;Â&#x2039;Â?Â&#x2021; Â&#x2013;Â&#x160;Â&#x192;Â&#x2013; Í&#x2022; Â?Â&#x2030; Â&#x2030;Â&#x2018;Â&#x17D;Â&#x2020; Â&#x2026;Â&#x2018;Â&#x2039;Â?Â&#x2022; have been produced. They were produced to commemorate the seventieth anniversary of the Battle of Britain. However, these were not legal tender, as they were minted on behalf of the Channel Islands.

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NUMBER 176520 P

aul Argiewicz was a young Jewish boy growing up in Bielsko, Poland, when the Nazis came to power. Forced to leave his home and his schooling â&#x20AC;&#x201C; and ultimately his family â&#x20AC;&#x201C; by the unfolding horrors of anti-Semitic violence, he eventually was arrested and transported to a concentration camp. Argiewicz VSHQW QHDUO\ ÂżYH \HDUV OLYLQJ E\ KLV ZLWV in slave labor camps from Auschwitz to Buchenwald. Surviving WWII and the Holocaust against all odds, he lived to tell his story to the world. His account of perseverance and faith in the face of the relentless depravity of Hitlerâ&#x20AC;&#x2122;s Third Reich and a society gone mad is an inspiring and cautionary tale that is both historic and timeless.

Deanne L. Josephâ&#x20AC;&#x2122;s moving new memoir, Number 176520 â&#x20AC;&#x201C;The Story of Paul Argiewicz, a Teenage Holocaust Survivor, poignantly recounts one childâ&#x20AC;&#x2122;s journey through the terrors. With a preface and historical documentation provided by renowned Holocaust scholar, Professor Kenneth Waltzer (Director of Jewish Studies, Michigan State University), Number 176520 is quickly becoming an invaluable resource for students of the Holocaust.

Following is an excerpt from the book: Paul and his family lived in the ghetto for about a year. In spite of the dire circumstances, his boyish, adventurous nature remained. He UHPRYHG WKH LGHQWLÂżFDWLRQ SDWFK IURP his clothing and sneaked out of the

ghetto through an opening in the barbed ZLUH IHQFH ,W ZDV DQ DFW RI GHÂżDQFH WKDW would have landed him at the end of an executionerâ&#x20AC;&#x2122;s gun had he been caught, but somehow he was able to pull off this rite two to three times a week.

Being the gregarious child that he was, he made friends with some gentile children on the â&#x20AC;&#x153;outside.â&#x20AC;? They did not seem to mind that he was Jewish, and

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The story of Paul Argiewicz, a teenage Holocaust survivor. some of their parents even tried to help him in small ways. The father of one of his new friends owned a bakery. The manâ&#x20AC;&#x2122;s sympathetic conscience obliged him to turn a blind eye, allowing Paul to steal freshly baked bread from his store twice a week. The ritual continued for a year. Sometimes the determined young VFDYHQJHU PDQDJHG WR ÂżQG SRWDWR SHHOV or other small provisions of vegetables and was always faithful to rush his smuggled goods back to his hungry family behind the fence.

Eventually, Paul became so comfortable in his excursions that

he inadvertently lowered his guard and came face to face with disaster.

Returning to his family with a pair of stolen loaves of bread, he was DSSURDFKHG E\ WZR 66 RIÂżFHUV â&#x20AC;&#x153;Where did you get that bread?â&#x20AC;? they demanded â&#x20AC;&#x153;Where did you get that bread?â&#x20AC;? they demanded. Paul had never been so close to the enemy. He stood, accused and frozen. â&#x20AC;&#x153;Come with us!â&#x20AC;? The order was stern and curt. They snatched the bread from his hands. The pounding of his KHDUW LQWHQVLÂżHG XQWLO KH WKRXJKW LW would surely break through his chest.

He could barely breathe. He felt a hard, squeezing pressure on his arm â&#x20AC;&#x201D; the grip of a Nazi. He had the sensation of walking very quickly, although he was unable to feel his legs. Were his feet touching the ground? Were they even moving? He heard only the sound of the RIÂżFHUVÂś ERRWV FODFNLQJ ZLWK HDFK VWHS on the hard street beneath their feet. His H\HV EXUQHG DV LI RQ ÂżUH DQG EOXUUHG LPDJHV RI KLV IDPLO\ Ă&#x20AC;DVKHG WKURXJK his rattled brain. What would they think? Would he ever see them again?

Were these men going to kill him? Paul fought to restrain the tears pooling in his eyes. He was only a child â&#x20AC;&#x201D; his life was supposed to be ahead of him, not behind.

They arrived at their destination: an old schoolhouse that had been converted into a transitory evaluation and detainment center, the Durkankslager.

He was taken downstairs to the

73

basement, the â&#x20AC;&#x153;dungeon.â&#x20AC;? It was ÂżOOHG ZLWK SHRSOH VWDQGLQJ LQ OLQHV Everywhere were the familiar Jewish LGHQWLÂżFDWLRQ SDWFKHV 7KH 1D]LV pushed him into place with the others.

He looked around at the detainees, predominantly grown men. He did not see any other children in the crowded space. $Q 66 RIÂżFHU VDW XSULJKW RQ D stool at the front of the room, one leg raised and bent at the knee with his ERRWHG IRRW FRQÂżGHQWO\ SHUFKHG RQ D table. Behind him was a GHVN ÂżOOHG ZLWK SDSHUV As each of the accused men made his way to the front of the line, he was questioned by the man on the stool, evaluated, and sent into a group either to the right or to the left.

Paul was not sure why the men were being divided, but as he drew closer to WKH HYDOXDWLQJ RIÂżFHU he was overcome with a sense of doom. His mind ÂżUHG UDSLG GLVFRQQHFWHG thoughts. Iâ&#x20AC;&#x2122;m only a child . . . perhaps if I tell them Iâ&#x20AC;&#x2122;m only 11 years old . . . maybe they will have pity and let me go back to my parents.

Without warning, a man behind him in the line kicked the back of his leg. He leaned into Paulâ&#x20AC;&#x2122;s ear and VSRNH TXLHWO\ EXW ÂżUPO\

The words rolled off his lips in SHUIHFW %DYDULDQ *HUPDQ 7KH RIÂżFHU looked up. His dusky eyes examined the youth before him. His brow furrowed, and he observed the boy for a moment. Paul felt as though he had been suspended in space and time. The moment seemed to last an eternity.

Surely, he was exposed . . . guilty KH KDG OLHG WR DQ 66 RIÂżFHU The penalty for such an offense was execution.

and a cup of water. Paul allowed his mind to escape into a place of refuge and peace. He comforted himself with thoughts of his family, memories of good times they had shared, life in Phellaâ&#x20AC;&#x2122;s beautiful home, and the hope that maybe he would soon be returning there.

In the corner of his eye, Paul perceived movement through a window in the damp stone wall. He turned his head to look through the dusty glass.

Just beyond the tall barbed-wire fence, his father stood, his eyes scouring the room through the wire and glass. Noahâ&#x20AC;&#x2122;s eyes found 3DXOÂśV +LV KDQG Ă&#x20AC;HZ over his head waving to his son, his familiar SHQHWUDWLQJ H\HV ÂżOOHG with longing. He held his hand still for a moment and then let it fall limp to his side. He stood motionless, his gaze Âż[HG RQ KLV FKLOG Separated by barbed wire and guns, and the merciless cruelty of the human heart, father and son looked upon each other for the last time.

Paulâ&#x20AC;&#x2122;s heart raced within him.

An overwhelming urge demanded that he jump to his feet and run to the window. He dared not. To do so would jeopardize not only his fate but also now his fatherâ&#x20AC;&#x2122;s. Separated by brick and mortar, barbed wire and guns, and the merciless cruelty of the human heart, father and son looked upon each other for the last time. In that sacred moment, they knew that the bond they shared was beyond manâ&#x20AC;&#x2122;s reach; it was a bond protected and preserved in eternity. Still, the 11-year-old was overcome by the realization that he might never again feel the loving touch of his fatherâ&#x20AC;&#x2122;s strong hands or hear the sound of his voice.

2Q WKH FROG KDUG Ă&#x20AC;RRU 3DXO covered his face and wept. His father was gone.

â&#x20AC;&#x153;You speak German?â&#x20AC;? The RIĂ&#x20AC;FHU VHHPHG DPXVHG ´<HV Âľ KH UHVSRQGHG RQFH more in the language KH KDG OHDUQHG IURP KLV playmates.

â&#x20AC;&#x153;Donâ&#x20AC;&#x2122;t tell them your real age. Tell them youâ&#x20AC;&#x2122;re 18.â&#x20AC;?

How did he know what I was thinking? Paul wondered.

He arrived at the head of the line.

No longer did anyone stand between him and the â&#x20AC;&#x153;judge.â&#x20AC;? â&#x20AC;&#x153;Name?â&#x20AC;? â&#x20AC;&#x153;Paul Argiewicz.â&#x20AC;? â&#x20AC;&#x153;Age?â&#x20AC;? â&#x20AC;&#x153;Eighteen.â&#x20AC;?

Âł<RX VSHDN *HUPDQ"´ 7KH RIÂżFHU seemed amused. â&#x20AC;&#x153;Yes,â&#x20AC;? he responded once more in the language he had learned from his playmates. â&#x20AC;&#x153;You speak with a Bavarian accent.

Why?â&#x20AC;? â&#x20AC;&#x153;My mother is from Bavaria,â&#x20AC;? he lied again. For another endless moment, the manâ&#x20AC;&#x2122;s eyes pierced him.

Paul was able to manage a convincing expression. Finally, the harshness of the Naziâ&#x20AC;&#x2122;s sharply featured face faded, yielding to a smile and a chuckle. â&#x20AC;&#x153;Go over there,â&#x20AC;? he said, nodding his head to his left.

Paul moved in the direction of the nod, but he did not understand the purpose of separating the men. Would he be sent to work or to the grave?

None of the men seemed to know the fate that awaited them.

They remained in the detainment center for a few more days. Each day they were given small rations of bread

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Fish Recipes For Adar )ORXQGHU D OD 0HGLWHUUDQHDQ Flounder a la MediterraneanThis healthy simple baked flounder dish simulates the taste of the Mediterranean. Serve flounder with a flavorful white wine sauce starring plum tomatoes, chopped olives and onions, chick peas, and your favorite seasonings. A delicious healthy choice any time, it’s also an impressive main dish for entertaining guests. Alternatively, substitute with sole, cod, tilapia or salmon fillet. Enjoy with mashed potatoes and a simple green vegetable salad.

4-6 slices flounder fillets 5 Roma (plum) tomatoes 2 Tbs extra virgin olive oil 1 tsp lemon juice 1 medium onion chopped 2 cloves garlic, chopped ¼ cup white wine ½ cup kalamata olives, pitted and chopped 1 cooked cup chick peas 6 leaves fresh basil, chopped Salt and Pepper to taste Preheat oven to 425 degrees F (220 degrees C).

Cook chick peas according to package directions or use from a can. Chop tomatoes, and set aside.

Heat olive oil in a skillet over medium heat and sauté onion until tender. Stir in garlic and seasonings. Stir in tomatoes and cook until tender, about 10 minutes. Mix in wine, olives, chick peas and ½ the basil. Reduce heat allow to cook about 15 minutes.

While sauce is cooking, place flounder in a shallow oiled baking dish. .Drizzle with 1 teaspoon oil and 1 teaspoon lemon juice. Roll up the fillets and place in a pan. Broil in the oven 10 minutes per side, until fish is easily flaked with a fork To serve cover with the sauce, and top with remaining basil leaves. Surround with chick peas Bake 5 minutes in the oven until all ingredients are heated through. Serve with mashed potatoes.

Preparation 20 minutes Serves 4-6

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%((5 %$77(5 )5,(' ),6+ This is one of my favorite fish recipes. Any fish tastes good in this batter, feel free to try it with sole, cod, tilapia or salmon fillet. Frying in the beer batter will yield a wonderful crust and moist tender fish. It is great for the occasional indulgence. The batter can also be used to coat onion rings or assorted vegetables like cauliflower, broccoli or sweet potatoes. The secret of itâ&#x20AC;&#x2DC;s success is the smooth batter and frying at high temperature.

6 tilapia fillet 2 cups flour +some for dredging the fish 1 tsp baking powder 1 tsp salt 2 eggs, slightly beaten 2 cups beer or seltzer ½ cup salad oil Oil for deep frying

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Lemon wedges Pat fish dry and coat fish with flour set aside. In a large bowl, combine 2 cups flour, baking powder, salt, eggs, beer (or seltzer) and 1/2 cup oil beat well until smooth. Dip fish into batter, allowing excess to drip into bowl. Fry in deep pot allowing oil to heat to 375 degree oil until golden brown on both sides.

Remove from pan. Drain on paper towels. Garnish with lemon wedges, serve with deep fried French fries and a tossed salad.

Prep time 20 minutes Serves 6

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)HVWLYH %DNHG )LVK Festive Baked FishThis dish is sure to impress your guest. It can be beautifully presented in a large tray accompanied by a side dish of herbed rice and julienned vegetables 1 large white fish, red snapper or other favorite fish. Ask your fish monger to suggest the best one for this dish.

2 Tbs olive oil 1 lemon cut in slices 1 Tbs sesame seeds 1 inch (2 1/2 cm) piece ginger, peeled, cut into wafer- thin strips 1 red bell pepper, cut into thin strips 1 zucchini cut julienne style 1 medium carrot cut julienne 1 chili pepper thinly sliced 1/3 cup (80ml) soy sauce 2Tbs vinegar ½ cup white wine 2 shallots (spring onions), sliced diagonally, to garnish 2 cups steamed rice, to serve

Have your fish monger clean, scale and cut fish in half lengthwise, while leaving it whole. Insert lemon slices into the belly of the fish. Brush a roasting pan with 1 tablespoon of the oil and place fish in the pan. Brush the flesh with remaining oil, season with salt and pepper, and sprinkle with the sesame seeds. Bake for 30 minutes or until the fish is cooked through (the flesh will flake away easily when tested with a fork).

Meanwhile, in a frying pan place the ginger, chili, soy, vinegar and 2 tablespoons of water and the julienned vegetables. Cook over low heat until the vegetable have started to soften. Place the fish on a large platter and pour the dressing over top. Garnish with shallots and surround with rice. Bring platter to the table and serve individual portions accordingly, taking care to remove the spine with any bones of fish as you serve.

Preparation 30 minutes Serves 6-8 depending on size of fish.

Preheat the oven to 220°C.

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&RG D OD 3URYHQFDO Cod a la ProvencalThis fish recipe has a French flavour to it. It is made with fresh vegetables that add to the nutritious value of the dish while enhancing the taste of the fish. It can easily be on the table in 30 minutes.

It strongly resembles the Mediterranean method of cooking.

Bell peppers, olives, and tomatoes give a burst of flavor to otherwise bland cod fish. Event though we present this recipe with bland cod any firm whitefish (such as white fish, halibut and grouper) may be substituted for the cod. Adapt the recipe size to suit your needs.

4 cod fish filets (about 4 ounces each) 1 red and 1 yellow bell pepper cored, seeded, and sliced into 1/2-inch strips 1 medium sweet onion, halved and sliced into 1/2inch strips 5 whole cloves of garlic, peeled and chopped 1 Tbs extra-virgin olive oil

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2 cups fresh diced tomatoes 12 kalamata olives 1 Tbs lemon juice ½ tsp lemon pepper seasoning ½ tsp red paprika ½ tsp oregano Kosher salt and black pepper to taste Preheat oven to 450 degrees. Place cod fillets in a baking dish. Set aside. Spray a nonstick skillet with cooking spray. Sauté the onion and garlic over medium heat for about 5 minutes. Add tomatoes, olives, lemon juice, seasonings, salt and pepper to taste.

Simmer for 5 minutes, stirring occasionally. Spoon sauce over cod and bake for 10 minutes longer. Garnish with parsley and lemon wedges.

Preparation 10 minutes Serves 4

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sons from drinking e ag en te id rb fo to ic “...it isn’t realist “ pressure is too strong er pe he T . rim Pu on any alcohol

Dr. Naftali Fish, continued from page 51 Purim has also become a time that teens start to experiment with drugs.

In Dr. Fish’s extensive experience with substance abuse in the frum world, he has seen innumerable cases where the DEXVHU¶V ¿UVW H[SHULHQFH SUHFHGLQJ his decline was drinking on Purim or watching his father or older brother drink on Purim.

How do we protect our teens? What is the best approach? Dr. Fish believes it isn’t realistic to forbid teenage sons from drinking any alcohol on Purim.

The peer pressure is too strong. If the parent says not to drink anything on Purim, then once the teen has disobeyed his parents there will be no way to provide constraints for him on monitoring how much he drinks.

He recommends holding a discussion with your teen before Purim on how much he is permitted to drink. Giving permission for regulated drinking takes away some of the power of the forbidden feeling of drinking. He recommends that parents give their teens a balanced message.

For teens who have never experienced a drinking problem, guidelines can be given on how much the parent permits them to drink on Purim. (Teens who have had a problem with drinking should not drink at all.)

For young teens, Dr. Fish suggests slightly more wine than they would normally drink on Shabbos. For boys 15 and over, some can handle two shots of liquor, which will make them tipsy but not drunk. It’s preferable for them to drink wine than hard drinks.

And they should never mix drinks.

Prepare for Purim with your son ahead of time. Ask him what he perceives to be a realistic boundary for himself and then work out an agreement with him. Setting boundaries is part of the path to maturity. Anticipate the peer pressure he may experience to overdrink.

Girls may also need guidelines as they are sometimes also at risk for unhealthy drinking behavior.

“The parent’s behavior has bearing on the teen’s practices,” Dr. Fish contends. “If drinking is of prime importance to the father, what can one expect from the son? Parents need to be role models for consistently displaying maturity by being able to set boundaries and stick to them. They need to be able to show their kids that it is possible to have simcha

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without overdrinking and that there is a way to drink al pi Torah.”

Dr. Naftali Fish is a licensed clinical psychologist and leading authority on addiction in the frum world. His unique treatment approach incorporates psychological techniques, hypnosis and Torah values. He is author of the newly released book, Nachas Ruach: Torah-Based Psychotherapy and Tools for Growth and Healing (Targum Press.)

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