Issue6

OUR TOWN’S WEEKLY Issue #6

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KINDER WORLD TOYS Growing imaginations

New Column!

Inside Town Hall

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TALK OF THE TOWN

Going to the mountains this summer?

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Mission Statement

The Monsey View is a weekly publication designed for every segment and age group of our diverse community. Under rabbinical guidance, we bring Monsey’s top talent together to provide high quality, informative current reading material, keeping you up to date on sales, events, news and issues of concern and import happening right now in the Monsey community.

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Your Voice Dear Readers, This new column is your podium, your forum to address community issues or concerns. Here, you can garner the advice and opinions of fellow neighbors, friends, and Monsey residents to a question or issue that you are grappling with or simply wondering about.

The following question arrived to our inbox just this week, as the school year comes to an end. We air the question to you in the hope that you can enlighten this teacher.

Dear Mothers of the Community, Over the past few weeks, as a lower grades elementary teacher, I have gone through the agonizing process called “report cards.” I am not reaching out to you to lament on the hours of work it requires from my time; as a teacher, there is much I give, physically, emotionally, and mentally, and I do so gladly, if it will benefit my students. But here I am unsure what the goal is, and for which gain am I investing all the thought and work.

Is it to continue to boost the ego of the already brilliant child?

To strike another blow to the fragile self-image of a struggling student? To apply another jab to a mother’s heart, as she reads, once again, that despite all the effort she has invested, her daughter is not up to par?

Granted, as the girls grow older and have the capabilities to improve and to work on their natural weaknesses, report cards can be a medium of effecting progress and motivating them to improve or keep being successful. But what really is the point in evaluating young children in such a manner?

Any issue that needs to be discussed does not wait for report cards. There’s PTA and I make good use of my phone to keep the lines of communication with my parent body open. I give positive feedback, and constructive feedback, which can be tempered by the fact that it’s a personal phone call and not a dry report with ratings etched for eternity, As I slip each painstakingly written, edited, and rewritten report card into an envelope, I am reaching out to you, mothers of my students. What is your opinion? What benefits do you see in report cards for a young student? What gain did you have from the envelope that held an evaluation of your daughter’s progress?

Awaiting a response, A Second Grade Teacher for Over Ten Years

We would love to hear your opinion! To reply to this question or to submit a new question, email comments@themonseyview.com or fax to 845-600-8483.

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Chany Rosengarten been presented with a yellow helium balloon, which I tied to her chair while she sat and played happily For the next hour, I wandered around Kinder World, enchanted by the welcoming displays, the colorful array of toys and the carefully chosen selection of playthings.

“We wanted to give parents an experience of calm and comfort where they can feel appreciated and treat themselves,” said Bracha Weiss, who owns Kinder World together with her husband.

A fun-loving and soft-spoken mother of young children herself, Bracha laughs often and relates well to children.

“I was a teacher for many years, and I love children,” explained Bracha. “You have to have a soft spot

b een It had already been a long Sunday subjected to all day. After all, of shopping with my three-year- it was a toy store. And she old daughter is three.

Any when I went Kinder World isn’t mother can tell to interview that walking your typical busi- you the owners of into a toy store Kinder World ness, but rather a with a threeToys. I confess year-old can be wonderful oasis that while I was an exasperating curious to see designed for brows- experience. what Kinder ing, shopping and World had to But my visit to relaxing. offer, I wasn’t Kinder World looking forward Healthy play can was anything but to hearing exasperating, and unlock worlds of my daughter in fact, it was a continue her education and won- truly wonderful refrain of der for children of e x p e r i e n c e .

“Mommy, buy Walking into the all ages. this!” that I had store, we were

greeted by the sight of several kid-friendly play stations that invite little visitors to get up close and personal.

Without me even saying a word, my daughter quickly sat down on a colorful, child-sized wooden chair and began enjoying a patterned block game. In no time at all, she had

for children to create a place where we can watch them enjoy themselves.”

As I spoke to Bracha, I got the feeling that Kinder World isn’t your typical business, but rather a wonderful oasis designed for browsing, shopping and relaxing.

Continuing my tour of the store, my daughter and I both found ourselves mesmerized.

While my daughter entertained herself first with a train set and then with a charming kitchenette, fully stocked with wooden food and pots, I was enthralled by the incredible assortment of high-quality toys. There were so many fascinating items: the high-end scooter-like Sbike, designed as a unique cross between a bicycle and a

Kinder World has already been enthusiastically welcomed by the community, who is eager to have a local store that sells upscale, quality toys that are built to last. skateboard, a great activity for children who like to challenge themselves using balance, coordination and fast motion, and especially appealing to boys whose cheder discourages the use of

a bike. There was an entire section of books and manuals designed to develop talent in art, architecture, physical coordination and crafts.

There was an art area, a delightful selection of plush toys and a wall of games that looked both fun and intellectually stimulating. I found myself falling in love with the juggling kit, the face painting package, a kit to build battery-operated cars and fabulous accessories that allow you to blow the most humongous bubbles you have ever seen.

The Weisses were careful to incorporate elements of fun and learning into their inventory; Bracha has a deep appreciation for children’s development at every age.

“Even infants learn through play, as they start to see multiple colors, learn to grasp and manipulate things, and put things into their mouths,” observed Bracha. “That’s all play. I want to nurture thoughtful play, growing imaginations and talent in children.”

Kinder World’s toys reflect that spirit of cultivating children’s abilities, developing their minds and fostering a joyful spirit. Walking around the store, I was struck by the realization that given the right tools, healthy play can unlock worlds of education and wonder for children of all ages. While children may view something as simple as dressing up, putting on a puppet show or role playing as a fun way to spend an afternoon, all of these activities have the potential

children serve as in-house testers for the store. While there were those who advised the Weisses that in order to succeed they would need to carry certain lines like Clics, Lego and Playmobil, they held true to their vision.

“We don’t have certain toys,” said Bracha. “We’re bringing in something new that the community may not have seen yet, and we’re attracting a huge following.”

“We’ve had several therapists, teachers and parents of special needs children coming in and

Kinder World has already been enthusiastically welcomed by the community, who is eager to have a local store that sells upscale, quality toys that are built to last. shoppers coming from as far away as Brooklyn, New Jersey and even visitors from overseas going back home to take advantage of the tremendous selection, geared to all ages.

“We had a Bubby and Zeidy just the other day who walked around the store,

to teach children how to interact socially without aggression or competition.

The Weisses, who used to travel extensively, scouted out toys that are not typically seen in local stores. Focusing on quality toys that allowed children to develop through traditional play, they chose to carry toys that they would want to have in their own home and their

“We make an effort not to bring in toys that our children’s cheder wouldn’t be happy with,” said Bracha.

More than just a place to purchase toys, Kinder World is a comfortable environment that manages to do the impossible: transform toy shopping with kids into a pleasurable experience.

The Weisses’ commitment to their customers is evident in even the smallest details, including a bathroom that is geared towards mothers with small children.

“It’s about being a part of the community and helping our customers, because they make the store possible,” explained Bracha. “Our customers mean everything to us.”

Open for just a few weeks, Kinder World has already been enthusiastically welcomed by the community, those who are eager to have a local store that sells upscale, quality toys that are built to last.

“I brought in toys from many vendors that the community may not have seen on a consistent basis,” said Bracha.

“These are items you would find in a boutique style toy store.”

careful to stock their store with items that are appropriate for their clientele. They also make an effort to stock what customers would like to have.

buying toys that helped build their children’s thinking skills and support developmental needs,” noted Bracha. “Teachers who want to utilize educational toys frequent our store.”

thrilled that they could find quality gifts for everyone, from the newborn, to the chumash seudah child, to their graduating granddaughter,” said Bracha.

Kinder World has quickly become a popular destination, with

Understanding customers’ needs and priorities is essential to any business, and the Weisses were

Wowed by my time in Kinder World, I gathered my daughter who took her yellow balloon, and having had the ability to take advantage of the store’s many interactive displays, left happily with a contented smile on her face. No hassles, no aggravation and not a single “Mommy, buy this!”

We leave Kinder World and head for home.

But not to worry. We’ll be back.

Kinder World is a comfortable environment that manages to do the impossible: transform toy shopping with kids into a pleasurable experience.

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INSIDE

Welcome to Inside Town Hall, a wonderful opportunity to get to know our local elected officials. Join us as we spend the next few weeks chatting with Town of Ramapo Councilwoman Brendel Logan about important issues that affect our community. If you have any questions for Councilwoman Logan, email them to us here at comments@themonseyview.com, and we hope to be able to address them in future columns.

Introducing Councilwoman Brendel Logan By: Sandy Eller

On paper, it would be easy to mistake Logan faulted the media for Brendel Logan for a member of the deliberately exaggerating the cultural Chasidic community. rift in the area. “They depict Spring Valley as a tale of two cities and that The 53 year old Spring Valley is wrong, just wrong,” said Logan. resident is the mother of seven, “Discrimination by anyone, any the grandmother of four and is the gender or any race is just wrong. product of a non-public religious Trying to rekindle those hurtful school in New York City. She even sentiments, those thoughts, those has a husband who serves as a words and those deeds against member of the often criticized East another community is just wrong.”

Ramapo School board.

Logan, who grew up in Harlem, has It is precisely those similarities that been living in Spring Valley for 25 hold the key to a peaceful coexistence years. Her husband, Bernard Charles, in Spring Valley, the East Ramapo has run twice for mayor of Spring school district and Rockland County Valley and is being encouraged by according to Logan, who serves many to run again this September. as councilwoman for the Town of Two of Logan’s children and one of Ramapo. her granddaughters are students in the East Ramapo school district, while “A great deal of misinformation Logan received her own education in has been disseminated against the a religious school system in New York different communities,” Logan told City. the Monsey View. “Unfortunately, instead of working together to solve “Every parent should have a choice the problems, a few in the community where they send their kids to who consider themselves to be leaders school,” said Logan. “It was the decided that we need a race war, like state government who decided that the civil rights movement back in the services should be provided to all 60’s which has resulted in a big divide children in the school district, not a in the community.” rabbi in Monsey.”

Logan believes firmly that the members of the local area’s diverse population have much in common, and that if we focus on our similarities, not our differences, that harmony and positive relationships are attainable goals.

Strong religious beliefs play a prominent role in the lives of many residents in Monsey and Spring Valley, according to Logan, and those tenets hold the key to better relationships in the community.

“We believe in peace,” said Logan.

“We need to work together and love each other and if we do that, we will be able to succeed.”

Sandy Eller is a freelance writer who writes for numerous websites, newspapers, magazines and many private clients. She can be contacted at sandyeller1@gmail.com.

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MONSEY REBRANDED The Comfort Zone You’re a store owner.

One day, you wake up and the entire town of Monsey is empty. Everyone has migrated to a new area. And for some reason you haven’t received the memo.

No friends. No family. No neighbors. No contacts. Monsey is barren.

As you stand there and stare at the empty roads, the deafening quiet is suddenly interrupted by thousands of vehicles entering the town. The entire town of Bal Harbour, Miami has relocated to Monsey. People rush around. They grab homes and mark their land. It’s first come first serve.

They don’t speak the language. And missing the ocean fresh water and sunny skies, they are cranky.

But you’re still in business. You still need customers. Many newcomers have never heard of you.

How will you get one of these new immigrants to come to your store? And more importantly, how will you penetrate this new community?

The Science of Community: If you think back to the first days of your business - or perhaps you are in the first days of your business - you were most likely only able to succeed because of the community around you. Your spouse told his/her friends; you told your seven neighbors about it; your proud mother spread that to her friends; your siblings dutifully used your service and told their ten most important contacts about you.

of your comfort zone. Learn your community like they’re all strangers. Change from relying on the community to contributing to the community Business within a community makes everything simpler.

All you have to do is focus on meeting the needs of the community. Listen, interact, be part.

A Word of Caution: As great as marketing within a community is, its pitfall is greater: the false sense of security you may become accustomed to. At some point you may begin to rely too heavily on the community and on the routines of the community. For instance, you may be having a tough season, and instead of doing something about it, you may tell yourself, “Let me stick it out until Chanuka; that’s a great season for me.”

Another danger is that you begin to believe that your community remained the same as a year, a month, or a decade ago. You may be blissfully unaware of the tectonic shifts happening; maybe your style is outdated; perhaps people began expecting better service.

Stay focused on the people around you, they will reciprocate and return the kindness.

But to sustain the initial growth spurt and to graduate from the start-up phase, you will have to dig deeper and go out Arrow Group NY is Monsey’s leading marketing and advertising firm. Known for campaigns that are as memorable to consumers as their profits are to clients, Arrow Group has been one of the leading catalysts to the changes in the Monsey business landscape. For business inquiries or to be featured anecdotally in this column, contact monseyrebranded@arrowgroupny.com.

Until next week,

Pinchus Perlmutter, CEO of Arrow Group NY, A business adventure

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FOOD & FAMILY

it’s nature we add quality

CHICKEN CUTLET DINNER IDEAS (AND DELICIOUS BAKED POTATOES TO GO WITH THEM)

Quick, weeknight chicken dinner ideas is one of those topics that never get old. We’re always on the lookout for refreshing recipes to update our menus. Nothing pleases us more than a recipe that takes raw chicken from the fridge and turns it into a satisfying dinner for adults and children alike in under thirty minutes. And if that recipe is delicious and pretty too, well, that’s even better!

That’s exactly why these chicken cutlet dinner ideas are keepers – they’re tasty, easy to prepare, and appeal to all ages!

S. Bertram Inc. Linden, NJ 07036 | www.beganrecipes.com

WHOLESOME, COLORFUL CUTLETS

This delectable, low-calorie chicken is packed with flavor, but not calories. It tastes wholesome and delicious and makes for an excellent supper even if you’re not on a diet. In my house, this is a favorite family supper.

6 thin sliced chicken cutlets

(If pepper strips are too long, cut them in half.)

1 large onion, cut into thin half circles

1 + ½ tsp salt

1 yellow pepper, cut into thin strips 1 red pepper, cut into thin strips

2 tablespoons oil 1 tsp paprika ½ tsp black pepper

1. Preheat oven to 380°.

2. Tenderize cutlets slightly.

3. Sprinkle with one teaspoon salt, paprika and black pepper.

PASTRAMI CUTLETS (AND DELICIOUS BAKED POTATOES TO GO WITH THEM)

This recipe is flavorful and juicy. It’s also quick and easy enough to prepare to become a regular supper for your family.

4. Spread onions evenly on top of cutlets.

4 chicken cutlets, butterflied and slightly tenderized

5. Spread pepper strips evenly on top of onions.

1 pack sliced pastrami

6. Sprinkle with oil and remaining half teaspoon salt.

1 cup mayonnaise 2 heaping tablespoons duck sauce

1. Preheat oven to 400°.

2. In a bowl, mix the mayonnaise with the duck sauce.

3. Spread 2 tablespoon of the mayo mixture onto each of the butterflied cutlets.

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7. Bake for 25 minutes, uncovered.

4. Neatly lay 2-3 slices of pastrami onto one side of the butterflied cutlet.

5. Fold cutlet closed and spread one more tablespoon of the mayo mixture on top of the cutlet.

6. Bake for 20 minutes.

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BAKED POTATOES Potatoes, unpeeled, each sliced into 6 steak fries; (Slice each potato in half lengthwise, and then each half into three long slices.)

54 /// The Monsey View /// June 24, 2015

Cooking spray 1. Preheat oven to 425°. or oil Salt Paprika Black pepper

2. Lay potatoes on a lined baking pan. Sprinkle with salt, paprika, black pepper and onion powder to taste. Spray liberally with oil and cover tightly with foil. Bake for 40 minutes.

3. Uncover the pan. Spray potatoes with oil again and sprinkle lightly with a bit more salt.

Onion Powder 4. Bake for an additional 30 minutes, uncovered.

Food & Family//

GOLDEN, BREADED CHICKEN FINGERS WITH SESAME DIPPING SAUCE Treat your family to these crispy, fried chicken fingers with the best sesame dipping sauce ever! The sesame sauce freezes really well. It’s a good idea to double the recipe and freeze half for another supper.

1. Place breadcrumbs in a bowl and season with salt, paprika and black pepper.

2. In a second bowl, beat eggs.

CHICKEN FINGERS Cutlets, slightly pounded, each cutlet cut into 4-5 strips.

Homemade bread crumbs (challah crumbs taste best) Eggs

Salt Paprika Black Pepper Oil for frying

3. Dip one piece at a time into the beaten eggs and then into the seasoned breadcrumbs.

4. Heat oil in a large skillet over medium heat until hot and shimmering.

Lay chicken strips in pan and fry for 2-3 minutes, until golden brown. Turn the chicken over and fry until equally brown on other side, about 2-3 minutes more.

1. Sautee the onion and garlic.

SESAME DIPPING SAUCE 1 onion, chopped

½ cup ketchup

2 cloves garlic, minced

½- ¾ cup water

¾ cup brown sugar

¼ cup sesame seeds

2. Add the brown sugar, ketchup and water. Bring to a boil. Lower the flame and cook 10-15 minutes until slightly thickened.

3. Stir in the sesame seeds.

5. Transfer chicken to a paper towel lined plate to drain.

56 /// The Monsey View /// June 24, 2015

57 /// info@TheMonseyView.com

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Celebrate

Chaverim of Rockland

Bike Registration & Fun Fair

By Chanie Spira

WITH

Every kid (and adult) in Rockland County is eagerly counting the days toward the upcoming Bike Registration and Fun Fair, which will take place Sunday, June 28, 2015, iy”H. This exciting, fun-filled, and educational day is brought to you by Chaverim of Rockland County.

At the Chaverim headquarters, preparation for the event is feverish, and the last minute details are being ironed out.

I caught up two dedicated Chaverim coordinators, who kindly took the time in between setting up the place to answer some questions regarding this special day.

MV: How many years have you been doing Bike Registration for?

This year will mark 11 years B”H. MV: That’s a long time! How did it all start?

The summer before we started the program, there were a record number of bikes stolen in the Monsey area.

Chaverim received numerous calls from desperate riders missing their bikes, and we decided that something must be done about it.

So the next summer, we announced a bike registration day. Basically, we engraved each bike with a number, similar to a license, and registered the number with Chaverim. The numbers were then registered with the Ramapo Police Department. If a police officer caught any suspicious individual riding a bike, the numbers would point to the rightful owner. In addition, prospective bike thieves quickly realized that the bikes from our community are registered with the police, and they thought twice before making that grab.

We got some side benefits from the registration, too. On more than one occasion, a small child was lost with a registered bike, and Chaverim had much an easier time locating the parents. We also get phone calls from people who have found a bike

66 /// The Monsey View /// June 24, 2015

and are looking for the owner. Mi Ke’amcha Yisrael, people truly go out of their way to do Hashavas Aveida.

The bike registration still works the same way. Each bike gets engraved with a special tool by a Chaverim member, and the bike holder fills out a form which goes into Chaverim’s registry. Would you believe it, the summer just began, and the police have already caught quite a number of our bikes!

MV: Oh! We can just imagine the excitement of someone finding their lost bike! What are you planning for this year?

Some of it is a surprise, but we’ll share some, too. There are two parts to the day, the safety education part and the fun part. But really, both are fun!

MV: Let’s start with the safety education part.

We’re having many interesting departments join us: the Town of Ramapo Police, Hatzolah, Monsey Fire Department, NYS Police, and the Rockland Sheriff Department.

Each department will make a presentation about a different safety issue using various interesting visual aids.

Some of them will distribute a little memento or allow the children to see their vehicles up close.

The fire department will talk about escape routes and the importance of smoke detectors. Town Supervisor Christopher St. Lawrence sponsored smoke detectors that will be distributed while supply lasts.

The police department will discuss seatbelt safety, and The National Child Passenger Safety Certification, which is an organization dedicated to car seat safety, will have certified technicians showing you how to properly affix a car seat.

MV: Anything else on car safety?

Of course! We didn’t forget anything. Mendy Mobile Tires will be at the fair all day to check your car tires and ensure that they are safe for driving. They will also show the

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driver where the spare tire is located and demonstrated how to properly use the spare tire tools. Then, Quality Mobile Mechanic will inspect your brakes, oil, and windshield wipers.

MV: Wow! All of us can really learn a lot!

Wait, we’re not done yet. One of the highlights every year is the helmet distribution. Bikur Cholim of Rockland County is doing it again! Thanks to them, the number of free helmets being distributed has more than quadrupled over the years. And this year, a record number will be doled out.

MV: Are there unlimited helmets being distributed?

No! But quite a lot. Make sure to be there early to get yours. Over the years, we’ve had a number of disappointed children who had to leave without a helmet because we were simply out of them.

MV: What happens to the boys, who can only come later?

Don’t they stand a chance?

Sure they do! We divided the helmet distribution in two.

1:30 half of the helmets will be distributed to girls only and 4:30 the other half will be distributed to the boys.

MV: This whole event sounds massive! Who will be sponsoring such a major day?

The organization, Mishkan Yecheskel, founded and supported by the renowned Baal Tzedakah Mr. Yecheskel Kaufteil from Evergreen Kosher Market, is sponsoring the event.

We also have co-sponsors for some of the food. The money from the rides will cover the loose ends, and all the extra money earned from the rides will go straight toward helping Chaverim!

MV: Definitely a most worthy cost. So let’s hear the exact timing of the fair.

Place your ad in our town’s premier new weekly.

Email: Ads@TheMonseyView.com Call: 845.600.8484

We used to do it on Friday, but then the boys were only able to come late. So now it’s on Sunday from 1:30-6:30 at Viola Park.

The rides will be divided for boys and girls. Every other hour, the four boys’ rides will be available for the girls and the girls’ rides will then be available for the boys. With this rotation, everyone can enjoy the day together.

Helmets will be distributed at 1:30 for girls and 4:30 for boys.

The line may be long, but it pays to wait. Many people are unaware that a helmet that doesn’t fit properly is not worth much. So we have expert fitters customizing your helmet.

Hope to see you all!

This year, we added an express line next to the helmet booth for bike registration. This way, you don’t have to wait on two lines.

Amen!

MV: Thank you Mr. Rosenberg and Mr. Ungar for filling us in! May you be zoche to continue doing so much to help KlalYisroel.

MV: You truly are making Monsey a safer place. Last year you added the Fun Fair with the catchy slogan Fun and Safety Can be Combined. What’s the plan for this year?

Get ready for unlimited fun! Last year, we decided to add a fun angle to the day. For a few dollars, you were able to buy a band and enjoy four rides all day.

This year, we are having eight fantastic balloon rides for only $5.00 a band! We will also be selling yummy, fluffy cotton candy and refreshing slush!

Plus, plus, plus! We’ll be having tons of free snacks, drinks, and ices all day long!

68 /// The Monsey View /// June 24, 2015

69 /// info@TheMonseyView.com

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Staying Organized//

Faigy Noe

Cutting the Clutter Organizing Your Kitchen and Beyond

Kitchen cabinets: They hide our another. messes and store our stuff, but Stash bakmore than just mere storage areas, ing items, they hold the key to our cooking including successes. Well laid out cabinets measuring make it easy to function and can cups and save you endless time and aggraspoons, vation as you sift through spatuspatulas, las, graters and container lids in pastry search of the item you need. You brushes might be dreaming of being lucky and whisks enough to have a custom kitchen in one bin, one day, built to your specificaso that tions, but you don’t have to wait when baking time rolls around, until that dream comes true. you can just pull out the entire Working with the collection and Kitchen cabinets hold kitchen you already have everyhave can yield results thing you the key to our cooking that exceed your need at your successes. greatest expectations. fingertips.

Simply put, it’s time to give your Best of all, kitchen a makeover. cleanup is equally Bins or baskets are the best way simple. Put to keep like items together, but everything before you invest any money, take back in the a good look at your drawers and bin and cabinets to a feel for what sizes just slide and shapes will work best in your the whole kitchen. Stackable bins are great thing back in cabinets that have available into the vertical space. Being that this is cabinet. the kitchen and things are going to get dirty, make sure that whatWhile we tend to look at our ever you purchase can be easily cabinet space from the bottom vacuumed or wiped up, learn to take advantage of the clean. undersides of your shelves and put that generally unused space Try to keep relatto good use with sliding baskets ed items together. that hook onto the shelf’s bottom.

Keep all of your As these shelves tend to be long grilling accessories and narrow, they are ideal for in one bin, your placemats, baking sheets, cutting food processors boards, sink racks and other flat discs and blades in items.

72 /// The Monsey View /// June 24, 2015

Water pipes make the cabinet under your kitchen sink perhaps one of the most challenging places to organize, but there are plenty of products out there designed to remedy the situation. Two-tier baskets on a sliding track can be a great option for this cabinet, gliding in and out easily and keeping everything at your fingertips. If you have a corner sink, consider investing in a lazy susan, preferably one with two shelves for twice the storage.

Despite the wasted space in the corners, it is still the best usage of this oddly shaped cabinet.

Some Handy Tools to Cut the Clutter in Your Kitchen: •

•

•

A wall-mounted letter rack is a great way to store bills. Filing them by date and keeping them at eye-level is a great way to make sure that payments are sent out on time, saving you costly late fees.

Designate a magazine file for mitzva notes, deposit slips and any kitchen related reading material, placing these often used items at your fingertips.

Keep a document organizer in your kitchen and fill it with

manuals, warranties and receipts. Keeping all of those important papers in one place means that you will always be able to find these items when you need them.

Take advantage of the undersides of your shelves, and put that generally unused space to good use.

•

If you have a spot for it in your kitchen, hang a corkboard with notes that you need to see, including doctor appointments, children’s birthday parties and school or camp notices. Keeping them visible means you are much more likely to remember these important events.

BROUGHT TO YOU BY

WHERE CHEFS RULE

A BUNCH OF BANANA FACTS AND STATISTICS

Many immigrants (including my grandfather) recall the wearisome, endless journey over the Atlantic to the New World.

They vividly describe how they subsisted mostly on lukewarm soups, black bread, boiled potatoes, and herring, sustained by the dream that was America.

When the disoriented passengers stepped off the boats, and onto the solid land of Ellis Island, the first encounter for many was an immigration agent, proffering a banana to each person, with the greeting, “Welcome to America!”

My great-grandfather recounted his experience of arriving by himself from Yugoslavia in 1901, only 17 years old. He spoke no English, so the workers at Ellis Island placed a sign around his neck that listed his destination, gave him a banana, and put him on a train. “I did not know what to do with it, as I had never seen a banana before,” he explained. “So I watched, and when others peeled and ate the banana, I did the same.”

But a friend of his, also from Yugoslavia, was told by a prankster that he should eat the skin and throw out the inside, a mistake he never made again.

Ironically, the banana was as foreign to these shores as the men, women and children who were arriving from the Old World.

Bananas. Once an exotic delicacy in the US, now ubiquitous and very popular. Read on to learn fascinating facts about this tasty fruit.

76 /// The Monsey View /// June 24, 2015

•

More than 100 billion bananas are eaten every year in the world, making them the fourth most popular agricultural product.

•

The average American consumes 27 pounds of bananas every year.

•

More than 96 percent of American households buy bananas at least once a month.

•

Hawaii is the only place in the U.S. where bananas are grown commercially. The overwhelming majority of the bananas Americans eat come from countries in Latin America and South America, including Costa Rica, Ecuador, Colombia, Honduras, Panama, and Guatemala.

•

Bananas are naturally slightly radioactive —though the level of radiation is not high enough to cause harm. Everyone knows that bananas are high in potassium. In fact, they are also high in radioactive potassium 40.

That means th3at when the sun shines on them, the banana, as well as its leaves, actually glow! Wonderfully, bananas glow only when they’re ripe, so that birds and animals that don’t “see” in sunlight, only in the ultraviolet range, know when it’s time for a tasty treat.

•

About half of all people who are allergic to latex are also allergic to bananas.

TIP-TOP BANANA HANDLING TIPS Wrapping banana stems tightly in cling wrap will make them last three to five days longer.

•

If you peel a banana from the bottom up (holding on to the stem like a handle), you will avoid the stringy bits that cling to the fruit inside.

•

To ripen bananas faster, put them in a sealed container—ideally a brown paper bag. Adding another fruit to the container (such as an apple or even a tomato) will further speed the ripening.

•

If you put a banana in the refrigerator, the peel will turn dark brown or black, but it won’t affect the fruit inside.

•

Bananas are not considered a seasonal produce. They are readily available all year round.

However, experts do claim that the quality, flavor and texture of the banana peaks in the months of April- June.

AMAZING THINGS YOU CAN DO WITH BANANA PEELS Thanks to its oil, rubbing the inside of a banana peel on a mosquito bite (or other bug bite) or on poison ivy will help keep it from itching and getting inflamed.

•

If you rub the inside of a banana peel on a scrape or burn, it will help the pain go away, keep the swelling down and keep the wound from getting infected.

•

If you rub the inside of a small piece of banana peel on a wart every night (or tape a piece of peel over the wart), the potassium in the peel can make the wart disappear in one to two weeks.

•

If you tape a banana peel over a splinter, the enzymes help the splinter work its way out of your skin (and also heal the wound).

•

To whiten teeth naturally, rub the inside of a banana peel on your teeth for about two minutes every night. If you gargle with salt water, this will heighten the effect.

Expect results in about two weeks. It works because of the effect of the potassium, magnesium, and manganese in the banana peel.

•

Rubbing the inside of a banana peel on houseplant leaves makes the leaves shiny.

KNOW THE LINGO A cluster of bananas is called a hand, and a single banana is called a finger. Each banana hand has about 10 to 20 fingers.

Sugar specks- the little brown specks scattered across a ripe banana peel Cavendish banana- the standard type of banana sold in American supermarkets Plantains- a type of banana that is firmer than and not as sweet as the Cavendish banana.

Plantains are very starchy and require some type of heat preparation to break down the starches into sugars and become edible.

WHAT BANANAS CAN DO FOR YOU

Nutritionally, bananas are wonderful – a 4 oz. medium banana has just 105 calories, but 3 grams of fiber, 20% of your daily value of magnesium and 10% of your daily potassium needs. It is a good source of vitamin C as well! Research has proven that just two bananas provide enough energy for a strenuous 90-minute workout. No wonder the banana is the number one fruit with the world’s leading athletes.

• Research shows that eating bananas may lower the risk of heart attacks and strokes, as well as decrease the risk of getting type 2 diabetes and some cancers.

• Bananas are the only fruit that contain the amino acid tryptophan plus vitamin B6. They help your body produce serotonin—a natural substance that alleviates depression.

•

IS THE BANANA A FRUIT OR A VEGETABLE? Bananas are technically considered a berry. It is fascinating to note that many years before scientists did, Rabbanim studied the banana plant, and concluded that the appropriate bracha is Borei Pri HaAdama. The reason for this is because the banana tree grows anew every year, and bears fruits only once. Conversely, a fruit tree (HaEitz) is defined as having a woody trunk that stays alive and produces fruit year after year. Scientific research has since concurred with the halachic opinion, and scientifically, the banana plant is classified as a “flowering plant.

In general, bananas are a great weight-loss food because they taste sweet and are filling, which helps curb cravings.

• For the most antioxidants, eat fully ripened fruit.

NUTRIENTS IN A BANANA: •

Vitamin B6 – .5 mg

•

Manganese – .3 mg

•

Vitamin C – 9 mg

•

Folate – 25.0 mcg

•

Potassium – 450 mg

•

Riboflavin – .1 mg

•

Dietary Fiber – 3g

•

Niacin – .8 mg

•

Protein – 1 g

•

Vitamin A – 81 IU

•

Magnesium – 34 mg

•

Iron – .3 mg

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in Our Town Each week we will feature a sight in Monsey for you to recognize and place.

How well do you know our town?

By the Number New York Demographics Current total state population:

19,750,000

58.3% of New Yorkers are white, followed by Hispanic at 17.6%, and Black 15.9%.

6% of the population in New York is Yiddish.

20.4% of the population are foreign born.

The median home sale price in New York stands at $480,000.

Median household income: $50,700.

15.3% of the population are earning below the poverty level.

The average age in New York is 35.6 years old- compare that to the median age in Monsey: 17.4 years!

Last week’s picture is on Grove St., across the fire station.

82 /// The Monsey View /// June 24, 2015

The size of New York is 47,126.4 square miles. The state is considered to be very densely inhabited: There are 411.2 persons per square mile, way above the nation’s average of 87.4 people P.S.M.

Summer Family Fun //

EXCURSIONS

It's Raining!

This week’s spotlight is on

INDOOR FAMILY ATTRACTIONS in the Monsey vicinity

We’ve been inundated with rainy days this spring season.

Sodden umbrellas are stacked near the door. We’ve washed loads of muddy clothes and dried little shoes, gleefully abused by puddle stompers delighting in the thrill of rain showers.

If the past few weeks is any indication of what’s to come, it’s good to be prepared for some indoor fun time, especially now, in the period between school and camp. And even when the sun makes a showing, it is nice to beat the heat and head to a new (or oftvisited) place – with the bonus of temperature control.

This week, we present to you several local indoor destinations, designed to provide fun, action and creativity to children of all ages.

86 /// The Monsey View /// June 24, 2015

87 /// info@TheMonseyView.com

Summer Family Fun //

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Projects generally start at $10.

Call for appointment and for group scheduling. Hours are very flexible.

Bounce, bounce, bounce, up the slopes, down the slides, through tunnels and past inflatable bars and poles in this moonwalk wonderland.

Bounce U features a selection of inflatable rides and everything it takes to turn a summer day into a fun, action-packed one.

Must be 34” tall to enter inflatable rides.

Recommended for ages 3 to adult.

Choose from a stunning selection of ceramic art pieces, to be painted and professionally finished on premises, and jewelry beading kits, for fun and trendy accessories crafted all on your own. Tap into your creative skills with this absorbing workshop, one of the few that satisfies the whole family under one roof; for who is too young or too old to paint?

845-623-5400 $11.95 * $12.95 Parents are free Open Bounce* Mon-Thurs 4:00-5:30 pm Until Age 6: Mon.-Fri. 10:00-11:30 am Family Night: 6:00-8:00 pm Wednesdays Call in to reserve slots before visiting.

4

BILLY BEEZ 1000 Palisades Center Dr.

CHUCK-ECHEESE'S

Token operated rides and arcade games provide for endless action. But the fun doesn’t end there. Children earn tickets and can use them to purchase little knickknacks and toys, which are always exciting to bring home! Whether you choose to stay for 30 minutes or all day, this relatively inexpensive trip is fun time and again.

250 W. Rte 59, Nanuet 845-267-2788

88 /// The Monsey View /// June 24, 2015

30 tokens - $10 80 tokens - $20 150 tokens - $30

11:00 -9:00 pm Open until 10:00 pm on Sundays Recommended for ages 2-13

Billy Beez’s 26,000 square foot play arena is the home to twisting slides, ball blasters, bouncy trampolines, intricate obstacle courses and many more activities which provide safe, hands-on fun for children and even adults. Giant racing speed slides, a climbing wall, and a toddler play area make this destination a favorite one for the entire family.

West Nyack 845-535-9277 Infant: $9.95 (adult included) Toddler: 2-4: $9.95 Child 5-17: $19.95 Parents/Gaurdians: $4.95 10:00 am-7:00 pm

Recommended for ages 3 to adult.

89 /// info@TheMonseyView.com

5

KID'S PLAY Your youngster can run, bounce, swing, and tumble through a variety of play areas in Kid’s Play. There’s a sports zone, and moonwalks and bounce castles for safe jumping. There are makebelieve stations: a sandy beach and a fully-stocked toy kitchen, to mention two, where a child’s imagination can run wild. Off to the side, the quiet room features doll houses, a train set, a lego table, and winding-down activities.

33 NY-304 Nanuet 845-624-0114 $12 a child Up to three hours 10:00 am-5:30pm Recommended for ages 2-7.

6

JILL'S CERAMICS

Jill’s Ceramics offers a huge variety of plaster pieces that can be taken home the same day or glazed ceramics with a large assortment of finishes. Jewelry boxes, candlestick holders, candy dishes, beautiful wall hangings, there’s something for everyone at Jill’s. The time spent there and supplies are included in the price of the item you choose.

180 Germonds Rd. West Nyack 845-623-4975 Pay per piece.

Mon-Wed 9:30-3:00 Tues and Thurs evening 7-9:30 Call for group reservations.

Recommended for ages 3 - adult.

90 /// The Monsey View /// June 24, 2015

But on Monday, Gov. Nikki Haley and other leading officials called for the flag’s removal, a striking show

New York Prison Escape: Manhunt Intensifies It may be the break that authorities need to capture Richard Matt and David Sweat, the two convicted murderers who escaped from Clinton Correction Facility on June 6.

New York State Police have found DNA evidence in a cabin near Wolf Pond, about 20 miles west of the prison in Dannemora, New York.

Police have set up a command center in nearby Owls Head.

Doug Hughes, 61, a Florida postal employee, had enough of the corrupting influence of big money in American politics.

During a Monday press briefing, New York State Police Maj. Charles Guess characterized the latest search effort- one of the many over the past 17 days- as a confirmed lead. He said that the escapees are likely on their own. “There is no definitive evidence that anyone else is assisting them,” Guess said in a press conference Monday, “but we’re not ruling it out.”

Although Guess declined to elaborate on the items that were recovered, multiple news outlets are reporting that police found prisonissued clothes, boots, bloody socks, and at least one set of fingerprints.

Additionally, a water bottle and a jar of peanut butter were retrieved from the cabin.

Ironically, the cabin is leased by a group of corrections o ff i c e r s , though there is no indication the escaped i n m a t e s knew this.

On Shabbos, a witness spotted someone running into the woods from the cabin. Police responded and found items containing DNA from the men. They now believe that the person running into the woods was either Matt or Sweat.

92 /// The Monsey View /// June 24, 2015

Man who Lands Gyrocopter on Capitol Lawn Rejects Plea Deal

It’s a surprising development to learn that the escapees may still be so close to the prison. Over the weekend, police received a “credible tip” and began searching in Allegany County, New York, near the state’s southern border with Pennsylvania. A 36-hour search of the area, which is 300 miles from the prison, turned up nothing.

On a separate note, a report published late Monday alleges that the prison worker accused of helping the two convicted killers break out of jail smuggled them vital tools, including hacksaw blades, chisels, a punch and a screwdriver bit, that were concealed inside frozen chunks of hamburger meat, according to a report published late Monday.

Joyce Mitchell, 51, has been charged with felony promoting prison contraband and misdemeanor criminal facilitation in connection with the June 6 escape.

S. Carolina Governor Urges Removal of Confederate Flag from Capitol Since its first display as a show of defiance during the civil rights era, the placement of a Confederate battle flag on the Capitol grounds in South Carolina has divided the state’s Democrats and Republicans, blacks and whites.

Hughes

faces

six

charges,

So did he write his congressman a letter?

“Allegany County has been declared clear,” Guess said in the press conference. “The area around Dannemora remains a prime focus.

No lead is too small.”

More than 1,000 officers from multiple agencies are helping with the search centered Tuesday about 20 miles south of the Canadian border. Police were using dogs and helicopters to aid in their search.

involve several years of prison time.

Hughes said he received no personal gain from his flight. “It was a pure act of civil disobedience. Nobody was hurt. There was no property damage,” he said. “The problem is that it was spectacular, okay? And the prosecutor has laid charges on me for that reason.”

Yep. In fact, he wrote every member of Congress a letter - 535 letters in all. of unity spawned by the deaths of nine people in a black church last week during a massacre by a white supremacist.

“We are not going to allow this symbol to divide us any longer,” said Haley at a press conference. “The fact that people are choosing to use it a sign of hate is something that we cannot stand. The fact that it causes pain to so many is enough to move it from the capital grounds. It is after all a capitol that belongs to all of us.”

Haley’s announcement stunned some observers who had watched Republicans in South Carolina — the first to secede from the Union at the start of the Civil War — largely defend the flag as a symbol of state history and pride.

The state legislature in the coming weeks will debate whether or not to remove the so-called Confederate Battle Flag from its headquarters 15 years after 46,000 people gathered to protest and lawmakers decided to move the flag from atop the building to a Civil War memorial on the grounds.

And then, on April 15, he delivered them himself.

With a gryocopter.

That he landed on the U.S. Capitol lawn.

Hughes said that his stunt is an act of civil disobedience to draw attention to the need for campaign finance reform.

Before entering the Washington, D.C., no-fly zone, Hughes notified authorities of his intentions and told them he was not a threat.

He was promptly arrested upon descent on the west lawn of the Capitol as police and tourists looked on.

The flight of the small, unauthorized aircraft was among the most highprofile of recent security lapses in the U.S. capital.

This Monday Hughes appeared in federal court, where he rejected a plea deal that would likely involve jail time, prosecutors said.

including violating the registration requirements for an aircraft and national defense airspace. He pleaded not guilty in May to charges of lacking a pilot’s certificate or registration for the craft.

If convicted of all charges, he could be sentenced to up to 9-1/2 years in prison. Aircraft are banned from flying in the area of the Capitol and White House without permission.

A gyrocopter resembles a helicopter, but has an unpowered rotor and separate propeller.

Plea negotiations are ongoing, the spokesman said. The next hearing is scheduled for July 22.

Hughes told reporters outside the courthouse that he would not accept a plea deal that would

93 /// info@TheMonseyView.com

Serial//

Chany Rosengarten

said, “Mommy is resting.

This is Mrs. Perkowitz, the shadchan. She wants to talk to Mommy about the shidduch.”

“No,” the woman addressed me. “Chaya already knows the details, but I’m afraid you don’t. The Goldrebs’s son.

They’re ready for a l’chaim tonight.”

“We’re not,” I said, motioning around me, indicating the chaos. She should know.

Every woman knows a kitchen doesn’t look like this.

Stone Recap: Chaya rushes headlong into a new business venture. The shidduch for her daughter Malka is taking on a life of its own.

Duvid’s Story

So I came home and there was a complete balagan. I was doing a shidduch tonight? By any stretch of the imagination, it didn’t appear so. The kids were all outside. A cool evening wind was starting to rustle the kids’ clothes, but none of them were wearing sweaters.

On the kitchen floor, shoes, sand, playing stones and what was once clean laundry vied for space. Dirty dishes were piled on the table. The bedroom door was locked. The kids were up and about, not dreaming of sleep.

94 /// The Monsey View /// June 24, 2015

I was too hungry to eat. My hands shook. There was a knock at our door.

For a moment, I wanted to go hide in Masmidim. Then I looked around, noticing Chaya’s absence, for what seemed like the first time, because it came in a flash of realization. This was a far cry from the norm. Every day, Chaya saw to the cleanliness of the house, the food, the children, their sleeping schedules, and the guests at the door. She did all of this, every single day.

She seemed to be unable to do so today. But I could step in. I could stand in her shoes, perhaps try to take over just once. “Malka’leh,” I called. She was standing at the front door, eying the guest with puppy-

like admiration. “Please find out what the guest wants.” I called in Perele and asked her to round up the kids.

Then I knocked on the bedroom door, understanding that Chaya was

My indignation lit like a furnace blaze.

“Go away,” I told her. “Zie matzliach.” there, because nobody else locks the door to the only bedroom we have in the house. Nobody answered.

But when I went to get the ladder to take the key off its hook, Malka

“Oh, this is normal. It always gets chaotic before a shidduch. The sooner you get it over with, the sooner you get released from its turmoil back into normal life. Plus, if you don’t take advantage now, the boy will just say yes to something else.” She lowered her voice enough to let Malka know that what she was hearing wasn’t meant for her ears. “There are plenty of poor girls around these parts of town.”

My indignation lit like a furnace blaze. “Go away,” I told her. “Zie matzliach.

If they want to marry their son off to just anyone, please convey my blessings to them.”

I’m sin-free;

Malka fidgeted.

I noticed the three bread sticks on a plate on the table. I made a brachah over them. “I’m glad you slept now,” I said.

“I’ll help you get the kids to bed. I don’t think we’re ready to deal with a shidduch right now,” I pointed out, my arms indicating the kitchen in what I hoped looked like a steady gesture. I hoped the annoying person who’d stationed herself in our kitchen would leave already.

“It’s no big deal to put the kids to sleep,” she offered.

“Malka could even do it.

Malka?”

Malka scampered off to help Perele collect the children from outside.

“It’s not only the kids. We need time.” I looked at Chaya, and she nodded in agreement. “Come back tomorrow at one. I’ll be here, and the children won’t yet have arrived.”

“Absolutely not. I already told the boy there’s a meeting tonight. You already gave me the go ahead. Did you not know?” she asked, looking between the two of us.

“Tell the Goldrebs we’re not giving a dirah. We simply don’t have the means, and I will not, under any circumstances, go into debt without a plan of how I will

The bedroom door creaked open, and Chaya emerged, pillow marks splattered across her left cheek.

“I fell asleep,” she said to everyone in the So many people wanted room. “I missed my to be part of the action afternoon nap.” before it happened.

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Serial// pay back,” I said. “The shidduch might as well be over.”

“Okay then, however you wish.” She said. She bestowed a compassionate smile upon Malka, now back in the kitchen. Our house felt small, invaded.

“I will now go. I will relay to the Goldrebs exactly what was said. I wish you

Chany Rosengarten on our bread, let alone live.

“We’re not giving it up,” Chaya said, looking at me for confirmation. “We’re just saying, not yet.”

Esther Perkowitz snapped around, as if she had been dawdling at the doorway just for this moment. “If you’re going to say yes at any point, say yes now.

Before I could complete my first sentence, Perkowitz was back.

Five strides behind her were Mr. and Mrs. Goldreb. all the best.” She turned to leave, elaborately kissing the mezuzah so as to delay her leave.

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I watched her go. It was true that the Goldreb boy was a delightful, spirited, and clever boy who used his time well and excelled in his learning. It was true that the family was a crown in Jerusalem society, and I’d feel confident having my daughter join it, or bringing their son into our own.

Goldreb. It would have been nice. It could be mine.

Tonight. And there may just be a way we could get it, if we promised through our teeth and then tried to figure out a way to make it happen. Imagine if I were to walk around tomorrow, and collect mazel tov handshakes from passersby and friends. Imagine the glow on Malka’s young forehead, as it pulled together in a radiant smile.

Imagine the future, bright with promise.

Or we could just go on living, like we had until now. Knowing that we’d passed up a good offer, because we couldn’t even afford to smear white cheese

Shidduchim are a mazel you can throw away with your own hands. Don’t do it. Say yes. The details will be ironed out.”

NEW!

exercising patience, the kitchen was a gleaming yellow and the bleach had been wiped dry.

Malka had gone to borrow baking ingredients from the neighbor, but Zelda insisted on baking us the cake herself.

So many people wanted to be part of the action before it happened. The scent of sugary eggs crisping in the heat permeated the area. Malka’s braids were freshly knotted.

It looked like a simchah.

“So, what did you have in mind when you told Perkowitz we can pay for half a dirah?” I asked.

Chaya fluttered around, scrubbing invisible stains. “I might have a new business,” she said.

And that is how I discovered that while I was busy davening for big miracles, bigger changes than what happened in a year were happening in one day. I felt overwhelmed. We needed to talk this through.

Taking that change into account, I decided to tell Chaya what I would never have told her before. But before I could complete my first sentence, Perkowitz was back.

Five strides behind her were Mr. and Mrs. Goldreb.

To be continued...

“What are they demanding?” Chaya asked, resigned.

“Just half an apartment.”

She sweetened the deal. “It could even be all the way in Mattersdorf.”

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“There may be a way we could do this,” Chaya said, her voice hesitant and yet strangely proud.

“I’m going to the Goldreb’s right now,” Esther spoke fast. “I’m setting up a meeting at midnight.

Nobody will see; the kids will be in bed. You have time to clean up. It’ll be right here. See you.”

She left in a puff of hard, fast footfalls. Chaya and I looked around us. Malka was scooping dirt off the floor. “Kinderlach,” I said, “into bed.”

One hour later, each of the children had said Kriyas Shema and gotten a pat on the cheek. When I emerged from the bedroom, sapped from the hard work of

Chany Rosengarten is a mother of three, whose love for writing runs almost as deep as her love for nature. Having recently returned to the U.S. from Eretz Yisroel, her spirit is in Yerushalayim even as she reacclimatizes to Monsey. She’s in touch with her former Yerushalmi neighbors, but makes a point of getting acquainted with the local businesses and friends. Her work is featured in several Jewish publications

845.371.JAVA havajavaonline.com

Serial for Kids //

The choice is yours.

The pleasure, ours.

Sury Spitzer

Dina A School Story

Recap: Dina is uneasy and has no appetite at supper. She feels like a traitor to her family that she did not yet bring herself to tell Miss Hawkins that she will not play the role.

CHAPTER Dina’s Final Act The next day at school, the fourth grade was abuzz.

Today would be the dress rehearsal. In the dressing room behind the stage, Dina was getting into the long flowing gown Miss Hawkins had brought for her.

Dina stood at the full

This was the moment she had been dreaming of, and this was the moment she had been dreading. length mirror, her dark hair, dark skin and dark eyes glittered in contrast to her blue shimmering gown. The soft organdy skirt fell in folds down to the ground, sweeping the floor as she walked.

“Oooh,” Milly said. Even she couldn’t hide her admiration. Dina truly looked the part of a princess. Dina stared and stared at her reflection.

She couldn’t take her eyes off of herself. This was the moment she had been dreaming of, and this was

6

the moment she had been dreading. Her classmates gathered around, some touching her gown reverently, others just admiring her looks. The dressing room was hushed. The fourth graders were in awe. The pageant was sure to be a grand success with their beautiful princess at the center of it.

Soon, Miss Hawkins came into the dressing room.

“You look pretty, Diana,” she said in her low voice. “It’s time to get onto stage. The show must begin.”

Miss Hawkins was her plain no-nonsense self. She bustled out of the dressing room, fully expecting her students to follow her. Suddenly Dina spun around.

Her face had gone pale and her lips were set. She could not go through with this play. She must be true to her parents, true to herself, true to Hashem “Milly, here. You be the princess.” Dina was already peeling off her dazzling blue gown. Milly’s eyes grew round. “What are you talking about, Diana? Diana, are you okay?

Are you okay? Miss Hawkins, come quick!” Milly

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98 Monsey ViewView /// June 2015 98 /// ///The The Monsey /// 24, May 20, 2015

was screaming, running towards the stage and her teacher and her classmates.

Dina, in the meantime, left her gown in a heap on the floor. Milly would surely be happy to wear it. As she pulled her sweater over her head, her hair pin fell out. She dashed out of the dressing room, down the hall, and out the side door of the building. She was aware that her hair was flying loose. Without thinking,

smelly spot. She could not come home early and risk Mama asking her uncomfortable questions.

Dina laid her head onto her knees, her loose hair blowing in the December wind.

She hugged her knees tightly to her chest and tried to breathe deeply. She closed her eyes and tears of relief soaked her hands and skirt and hair. Much later, when she opened her eyes again, she saw through the curtain of her hair a little gray pigeon Without thinking, without inch its way stopping, she ran through the up to her in yard all the time telling herthe alley. She recognized its self, Do not look back. intricately decorated wings.

She listened to the soft purr without stopping, she ran she knew so well.

She knew through the yard all the that she had earned Tatte time telling herself, Do not and Mama’s pride in her. look back. Do not look back.

And she knew that she will Do not look back. make them proud always.

Inside she felt light and hapDina yanked at the tall iron py as a bird in flight, and gate enclosing the school her heart expanded like its yard and stepped through it. spread wings.

She quickly looked around.

She found herself in the alThat evening, as Dina sat ley on the school building’s squeezed in near Miriam right side. There was a huge during supper, she listened garbage bin blocking her as Mendel and Moshe arway. Dina squeezed her way gued over something they past it, and fell to her knees had learned in Yeshiva that on the concrete. Finally she day. Yossel tried to get incould breath. This was a safe volved, but Dina knew that spot to hide until school was the dispute would be setover. tled by Tatte, his face lighting up with pleasure as he She thought of Milly, surewould join the boys’ Torah ly wearing her powder blue discussion. The kitchen felt graceful gown, walking out warm from the simmering on the stage. She thought soup Mama was stirring on of Miss Hawkins, and knew the large cook stove. Malka for sure that she would be caught her eyes and arched severely punished for her an eyebrow at her, as if to wild behavior. Probably ask, “Is everything okay?” she would feel Miss HawDina gave her a tiny nod kins’ sharp ruler on her and smiled contentedly. She back tomorrow, when she reached over to tickle litexplained to her why she tle Yankele under the chin. could not be the princess in He giggled in delight and the pageant. She sucked her begged, “More Dina, more.” stomach in at the thought.

Dina tickled him again, and The ruler would hurt. She his hearty giggle filled her thought of how she must with gladness. spend the rest of the school day hiding in this muddy, The End

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110 /// The Monsey View /// June 24, 2015

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Real Estate//

Ann Zeilingold

HOW YOUR CREDIT SCORE AFFECTS YOUR MORTGAGE How important is your credit score? For Michael, it has a potential cost of $77,330.40. Yes, Michael is purchasing a home, and he is putting 10% down. Because his credit score is 624, his interest rate is .625% higher than it could have been had his score been over 720, and his PMI (Private Mortgage Insurance) rate is also higher than it would have been. Based on his mortgage amount of $375,000.00, Michael’s low credit score will cost him over $77,000.00!!

Michael is actually one of the lucky ones. He can still buy a home. Home ownership is the ultimate American dream. For Sophie, her credit score actually precluded her of the opportunity of purchasing a home.

Sophie has a credit score of 504. She has scattered late payments in the last six months, and she is “maxed” out on all of her credit cards. She has no major credit catastrophes, no collection accounts and no judgments or repossessions. She is simply being rated very poorly because she is a habitual late payer and because she is overextended on her credit cards. She has been deemed by the three credit bureaus as poor risk.

Sarah is also unable to purchase a home. Her score is 687, not too low by normal standards. She, though, has a settled HELOC (home equity line of credit). Sarah went through a very tough divorce, emotionally and financially. As a result of the divorce, she was forced to sell her home. She and her ex-husband had taken out a HELOC. At the closing, there weren’t enough proceeds to pay the HELOC in full, and the bank accepted a settlement. Because this happened in the last year, Sarah cannot get a mortgage until a minimum of two years have passed, irrespective of her credit score, down payment or income.

The more you know about what goes into your credit score, the easier it will be to maintain a good one. There are five key pieces of information used to calculate your credit score: Your Payment History: Pay your bills on time. That goes for all your bills, not just your credit cards and loans. While certain bills don’t get reported to the credit bureaus when you pay on time, they could end up on your credit report if you fall behind

1.

2.

Level of debt: Keep your credit card balances low. The higher your credit card balance is, the worse your credit score will be. Your credit card balance should be within 30% of your credit limit to maintain a good credit score. That’s $300 on a credit card with a $1,000 credit limit. Charging more than 30% of your credit limit is risky even if you plan to pay off the balance when your billing statement comes.

Card issuers typically report the balance when your statement closes and if that’s a high balance, your credit score will be affected even if you subsequently pay your balance in full.

3.

Credit age: Don’t close old credit

cards. When you close a credit card, your credit card issuer no longer sends updates to the credit bureaus, and the credit scoring formula places less weight on inactive accounts. After 10 years or so, the credit bureau will remove that closed account’s history from your credit report. If the account was an old one (which it would be after 10+ years), losing that credit history will shorten your average credit age and cause your credit score to drop.

4.

Mix of Credit: A “well-rounded” credit report has a mortgage, a car loan or lease, and three major credit cards. More credit is unnecessary.

Recent Credit and Inquiries: Each time you apply for credit – whether a credit card or loan – your credit score takes a small hit. Credit Inquiries are only 10% of your credit score. Opening a new credit account also lowers your average credit age (15% of your credit score).

5.

The mortgage industry is tough on credit and credit score.

What is the recourse if someone may have a credit issue?

I say early “detection”; some people don’t even know their score or don’t know what is on their credit report. Just because you do everything right with your credit doesn’t mean everyone else will. Errors could end up on your credit report leading to a drop in your credit score. Identity theft and credit card fraud can also lead to inaccurate information on your credit report.

I urge everyone to carefully monitor your credit reports.

There are many such services available to the consumer.

Ann Zeilingold, NMLS # 41850 is the Vice President and Branch Manager of First Meridian Mortgage in Pomona, NY. First Meridian is a direct lender, licensed in NY, NJ, FL and CT. She has been originating residential mortgages for 27 years. She has recently published a book, which is a must-read for any prospective homebuyer, The Homebuyer’s Companion. Ann grew up in Monsey, and she currently lives in Wesley Hills with her husband and children.

Ann Zeilingold Vice President

112 /// The Monsey View /// June 24, 2015

Credit is repairable. It just takes time. Don’t wait until you need to buy a home in the next 60-90 days to find out that your credit score is low because at that time there is no time to do anything to optimize your score.

First Meridian Mortgage 1609 Route 202 Pomona, NY 10970

Office: 845-354-9700 Mobile: 914-260-9000 ann@annzeilingold.com

Find Ann’s real estate column weekly in The Monsey View.

113 /// info@TheMonseyView.com

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