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by David Citron

by Jonathan Danan

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Keren Hashvi’is UK (Duddy Iczkovits)

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BUSINESS

MATTERS

david

CITRON

When Mark Thompson got up to speak to a treasure of top Silicon Valley CEOs in April 2000 it was before ITunes had come out. He represented Rioport, a company responsible for popularising MP3 players and was showing off their latest product. Mark was fully invested emotionally and financially in the new MP3 Player - In fact he had just remortgaged his house to fund the move.

When Steve Jobs came up to him after the presentation Mark was hoping to hear some words of encouragement from the seasoned techy – perhaps even an investment! Instead Steve commented ‘your gadget is a geeky piece of (let’s say garbage)’. In that moment Mark had two simultaneous feelings which could have propelled him in either of two directions.

Firstly, like many would, he felt the need to whack Steve over the head with the microphone in anger at this completely disrespectful attack on his pride and joy.

He had everything wrapped up in this great product – how could Steve be so dismissive!!!

Yet Mark experienced another feeling. One far more disturbing than the first. He felt the undeniable presence of truth in what Jobs was saying. This gadget really wasn’t elegant or easy to use.

Swallowing his pride Mark had a series of dinners with Steve over the coming months.

Steve shared his vision of how the digital world would play out over the next decade and Mark took stock - literally. He took his house money and placed it on Apple instead of Rioport (Rio-who?...exactly). Ipod, Iphone, Ipad, Istores lead Mark to cherish the day that he followed his heart feelings of truth rather than heady feelings of pride.

This principal is a crucial one in business.

Quite often people allow their ego to come between them and success. A great example of this is in learning new ideas. I know people who have actually said to me - ‘you can never learn something from a book that can make you rich - that’s why I don’t read business

Pride Vs Progress

books’. This is the sort of attitude that holds people back. I have personally stumbled across single concepts from mentors, books and videos which have made game changing differences to my life and the lives of the people I serve. Allow yourself the humility to learn from all sources to grow, develop and prosper. It is true, some sources are better than others. Just make sure that you are not making that decision based on pride but rather through assessing real evidence based factors such as past results.

I’ll give you one more example and this is probably the biggest one. Failure. People want success without failure. Why? Pride. You can’t have true success without failure. True success comes from trying and developing and perfecting through mistakes, muck-ups and rejections. Famed CEO Thomas Watson who brought IBM from weighing machines to become the Google of it’s day, said ‘If you want to increase your success rate, double your failure rate’. Now, if your ego is controlling your decisions you are going to be so caught up with looking good that you will never get to hone your skill, your craft, your product and yourself into something and someone of golden value to the world through the burning hot fiery furnace of failure. The guy who is afraid to look bad will be beaten every time. Challenge your pride, elevate your future.

David Citron, MA, is the Director of The UK Centre for Leadership (UKCL) and is a Business, Life and Leadership Coach. David has been invited to speak to executives from many well known corporations and institutions including Deutsche Bank,, The World Bank, General Electric, The Carbon Trust, Deloitte and S&P. He is passionate about supporting CEOs from all sized businesses whether small or large take themselves to the next level through dynamic personal and group coaching. David can be contacted on 07815 597 912.

© David B. Citron 2014

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FINANCE

MATTERS

Jonathan

DANAN

To Cloud or not to Cloud? That is the Question!

Some of you will be busy packing your suitcases with swim gear, snorkels and sunglasses and the last thing you’ll want to hear about is cloud. But, not to worry, I’m not talking about the weather here. The type of cloud I mean is something most of you have heard of – cloud-based technology, typically associated with online data storage, but now used in almost every industry.

Cloud-based accounting solutions work by the same principle as any other cloud solution.

Instead of buying software, downloading it, maintaining it and worrying about data storage, a cloud-based accounting solution allows you to easily login to your accounting books via the web. These books are conveniently stored on the provider’s host.

Benefits of Cloud Accounting Agility: Predominantly, the ability to access your accounts from anywhere (even on a boat in the Lake District on an iphone) is what has persuaded many small businesses to go the cloud route.

It’s a particularly attractive option for virtual businesses or start-ups that work without formal office premises and that have minimal, mobile staff.

Lower costs: Packages for cloud accounting can cost as little as £7 a month. There is a growing number of practices that provide cloud-based accounting services at surprisingly low rates, making outsourced bookkeeping solutions very appealing.

Simplicity: New, fully cloud-based accounting software providers such as “Clearbooks” and “Xero” have been developing bookkeeping software with non-experienced bookkeepers in mind, complete with free training and online help.

This means that a small business can significantly reduce its own bookkeeping costs and year-end accounting fees by doing some, if not all, the books themselves.

Collaboration: With the accounts stored in the cloud, team members and third parties can easily collaborate on data by literally being “on the same page”. Users can make changes that are instantaneously uploaded and viewed by others (e.g. accountants).

No more Accountants?: Not quite. There will always be the need for tax advice. Also, even though some small businesses will opt for bookkeeping themselves, undoubtedly there will be inaccuracies. Crucially, the accountant can ‘dip in’ and spot major errors or transactions that have tax or other recommendations. No more waiting until year end to discover problems that are too late to rectify (a phenomena that accountants know only too well, and that we have on many occasions been able to prevent due to cloud accounting) Accountant as Virtual Financial Director: Here is the real value in cloud accounting. With the technology available today and access to cheaper services, there is an evolving expectation of accountants to deliver “real value”. Traditionally, accountants’ work has been backwards looking and compliance-based. Increasingly, a good accountant is expected to deliver timely, relevant strategic advice and not just “keep score” of last year.

This is where cloud accounting is one with a silver lining. Using this technology, the accountant can view daily transactions, become more integrated and eventually embedded with the business. The result is a more thorough understanding of the nature of the business, identifying trends and providing strategic direction.

Always put professionalism first: There isn’t a shortage of online or high street kiosk-styled services offering tax returns for £49, but the question is what service you are receiving and what relationship you are building with your accountant. It’s important not to compromise on professional competence as numerous horror stories abound.

At Danan Silberstein Chartered Accountants we have developed cloud accounting services. This enables us to provide competitive fees for our basic compliance work, but also allows our clients to benefit from financial and strategic advisory services by seamless integration via the cloud.

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5

What is so special about observing Shmitoh? I keep Shabbos. I close my business Erevpurse Shabbos would If you’ve aevery family, your or walletand is probably never Shabbos, chas vesholom. crying.work Having on Children is a terrible investment.

You Sofork why give up their work outdo an those estimated £200,000 per child byonce the every seven deserve time they reachyears age 21. Of course, if the you’respecial happy title of Giborei Ko’ach? to be repaid in hugs, it’s all more than worth it. Yet a few are tips toofease the burden never go amiss...

There course different levels in the

nisoyon of observing Shmitoh. There are Are youwho missing £1,000’s of childcare farmers face an inner battle help? whether to

observe Shmitoh fully or to rely on heteirim.

There areothers two bigare waysfully you may be able toand get cash Whereas committed have already observed a number of Shmitos if you pay for childcare.

First, do you work over and 16 fulfil thea Rotzon Hashem joyfully. hours week (you and your partner if you’re a couple) and earn under around £41,000 in total? If But in the mesiras nefesh involved,taxall that’s you,level checkofif you’re eligable for childcare arecredit. equal.

No farmer will ever be able to make This can be serious money - many get over up the work he missed in the Shmitoh year. £3,000 a year.

To find out if you’re due, call And unlike Shabbos, where after ceasing0345 from 300 for 3900. work one day one can continue on Sunday

exactly where one stopped on Friday, after Alternativly, one’s see if your offers abandoning landemployer for a year thechildcare produce vouchers, which allow you to during pay for that childcare that has not been nurtured time is from just not same.

It takes mesiras yourthe pre-tax income.

The genuine way this works is nefesh onup,the ofaayear landowner stand you give say,part £2,000 of salary forto£2,000 toofa vouchers. side, dayHowever, after day, for ataxwhole year,have and as after you’d only abandon the£1,400 sourceinof hispay livelihood. got around your packet, it means you’re £600 better off.

But does it really need funds to be

collected from Jews all over the world to ‘I saved £3,000 mum and dad to car support a fewadding thousands Shomrei Shvi’is? insurance”

Really we need much more than that!!

Added to the fear of seeing your teenager on the Keren hasinsuring publicised its drive target figure road,Hashvi’is the cost of one to can be ofterrifying. $22,500,000 for ifthis campaign. we One trick, they’ve their ownBut car, if is to can we will be (eg, able try raise addingmore extra than driversthat, with good records tomum increase Kevod Shomayim The and dad) who may occasionallyfurther. use the car. target figure was set a few months ago, when It’s trail and error, but can have a big impact, as it approximately 3000 farmers had declared did for one of my followers (join me atof their intention to Twitter observe the halochos @martinlewis): “As a there new driver my insurance Shmitoh.

Since then, have been another wanted £5,000.

After knocking adding mum anddoors dad, itof few hundred people at the dropped to £1,900.”

Keren Hashvi’is and declaring their intention

to observe the halochos of Shmitoh on their land. Dividing the target figure between 3000 Shomrei Shvi’is leaves each one with a figure of no more than $7000 for the year.

This is only enough to save the farmers from collapse, but does not provide for their needs.

mins with

It should be noted that Keren Hashvi’is funds are distributed by a special Beis Din who asses However, you must never say someone’s thebased main on the requirements of each applicant their when individual driver they’resituation. not. That’s called fronting and it’s illegal. Full info on slashing costs for under-25s, If, with Hashem’s help, wepolicies, are able toatraise including special more money than we originally aimed for, www.mse.me/youngcar

hopefully we will be able to attract, encourage and support even more farmers to fully Ensure you’re less for observe thepaying halochos of power Shmitoh.

Lots of people means big energy bills When didin the thehouse hisorerus to observe more rooms,inTVs full blast, heating that Shmitoh fullonaccordance withallhalocho water adds up.

Ensure you’re on the very begin- it inallrecent times? cheapest deal. It only takes a few minutes. Just Withinthe reestablishment of a Yishuv in Eretz plug where you live to an www.ofgem.gov.uk Yisroel, Gedolei Yisroel to make people approved comparison sitebegan and it’ll find your aware of the need to observe the halochos of cheapest.

Shmitoh. The gaon Ridvaz ztl wrote a strong

letter in 5649 (1889) making people aware Alternatively, my free Energyztl CLub of this. The gaon Rav Cheap Duschinsky also did www.moneysavingexpert.com/energyclub will do much to encourage Shmitoh observance aand comparison for you, The including top picks you and their support.

Chazon Ish ztl, might and monitors tariffalso afterwards othermiss, Gedolei Yisroelyour were very to much involved thiswhen mitzvoh. there remained ensure you in know to moveBut again. relatively few Shmitoh observers, until the establishment in 5733 of theyou’re Merkaz Give pocket money as pay(1973) - otherwise Artzifund L’Chaklaim ‘trust teaching’ Shomrei Shmitoh, by the Rov of Komemiyus Hagaon Rav Binyomin Mendelsohn ztl. The purpose of this Pocket money’s under-rated as a way to teach kids organisation was to encourage and provide core money lessons, provided you wished reward a work guidance to farmers who to fully ethic, and don’t just dole itofout.

It teaches how to observe the mitzvoh Shmitoh kehalochoh, manage an income - by having a the regular amount of and with it he established Keren Hashvi’is money you start to learn the concept saving to provide financial support.

Everofsince then, the approach versus spending. of each Shmitoh year, brings with it hundreds more Shomrei Shvi’is.

It also incorperates “opportunity cost” - whether Whatbeis theoff objection they’d better spending the to samethe cash Heter on Mechiroh? we allchild sellthis Chometz something else.Don’t For a young is perhapsto a non-Jew before Pesach. “do you want to buy sweeties with your money every week,majority or save up of to get the toy Yisroel you want?”

The vast Gedolei did not

approve of the Heter Mechiroh at all. In the years around 5690 (the 1930s) there was a serious risk involved in abandoning the land during Shmitoh and a danger that the fields would be stolen. At the time, some of the Gedolei Ashkenaz approved the Heter as a Horo’as Sho’oh (temporary ruling).

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Hashvi’is There are many halachic aspects to this question, but there are important differences between Mechiras Chometz and the Heter Mechira. Before Pesach, we have an obligation to get rid of all chometz, and selling chometz is one way of achieving this. in the Shmitoh year there is no mitzva of getting rid of our land or removing it from our ownership; on the contrary, the mitzva is to retain the land and to observe the mitzva of Shmitoh with it.

Selling the land to avoid having to fulfil the mitzvo (even if that were to be considered effective) would be an attempt chas vesholom to try to circumvent Torah commands by evading the mitzvo of Shmitoh.

Is it really correct to say that by donating to Keren Hashvi’is the donor becomes a partner in the mitzvo of Shmitoh and it is as if one fulfilled the mitzvo oneself?

This idea is not a new one. The Sheloh Hakodosh writes in the name of the Kadmonim that in order for a person to fulfil all the 613 mitzvos, he should unite himself with Klal Yisroel and perform mitzvos ‘beshem kol Yisroel’ and thus have a part in all of their mitzvos, as all of Yisroel are responsible for each other.

If even associating oneself with Klal Yisroel in one’s mind brings one a share in the mitzvos they perform, how much more so is the partnership created by actually enabling someone else to fulfil a mitzvo that he could not have fulfilled without this financial support. It is clear that by supporting Shomrei Shevi’is one has a partnership in their mitzvo as in the Yissochor – Zevulun Torah partnership, and it is considered as if one had physically carried out the mitzvo.

But surely, the Torah promises ‘Vetzivisi es birchosi…’ – that Hashem will command His blessing and provide for the Shmitoh observers, so why do we need to give them our financial contributions?

This frequently asked question was answered by the Chazon Ish (Shevi’is 18:4). He explains that the Torah does not mean to say that

nobody will be poor during the Shemitoh year, as Hashem’s plan for each individual is beyond human comprehension, and there may be all kinds of reasons that a person should have difficulty in earning a livelihood. The Torah’s promise is that Shmitoh observance will not bring poverty, on the contrary, it brings a brocho; however this promise applies to the Klal but is not necessarily noticeable with regard to each individual.

The Chazon Ish adds: ‘The brocho comes after all appropriate efforts are carried out, and the degree of effort that is appropriate is a matter handed over to the Chachomim based on their in-depth Torah study with their Ruach Hakodesh’ Another reason for the necessity of support from Acheinu Bnei Yisroel, is one based on the words of Sefer Ha’Chinuch with regard to Tzedoko in general. The Chinuch (Mitzva 66) writes, based on the Gemoro (Bovo Basro 10a), that the shoresh of Mitzvas Tzedoko is in fact for the benefit of the donor. Hakodosh Boruch Hu has innumerable methods with which He could provide the poor with their requirements, but He provides for them in this way in order that the donor merits acting as His agent and earns a reward by helping others.

This applies even more so with regard to Mitzvas Shemitoh, as we have heard from the Gaon Rav Chayim Kanievsky ‫א”טילש‬: the reason that Hakodosh Boruch Hu has ordained that the fulfilment of the mitzvo of Shmittoh is achieved only through the participation of Jews all around the world, is to give them all a share in this mitzvo and in the Heavenly blessings of ‘Vetzivis es birchosi’ in reward for this.

To partner in this Mitzvah email kerenhashviisuk@gmail.com or call 020 3475 5141

£18,000 - Giborie Koach - Become an equal partner, Suited to Shul / Kehilla or Family £10,000 - Birchas Hasodeh - Donors will receive a legal Shtar assigning partnership in 1 Dunam of farmland

£7,777 £3,600 £1,800 £777 £360 -

Mekadshei Shevii - 1/6 an acre of farmland Azor Lashovshim - 500 sq. meters of farmland Tomchei Shviis - 250 sq. meters of farmland Shomrei Sheviis - 100 sq. meters of farmland Yissochor Zevulun For details see Page 3

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