Nwc22web

5,500 COPIES

ISSUE No. 22 28th September - 1st November

Distributed door-to-door in NW London WEBSITE www.northwestcircular.com EMAIL info@northwestcircular.com

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Coming to Golders Green Tomorrow 09.30am - 11.30pm Venue: 39 Highcroft Gardens 8:00pm – 10:00pm Gemblo was now £ 1 2 Games to Keep your Children Busy on Yom Kippur

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Are you, or is someone you know, a Jewish Holocaust survivor in financial difficulty?

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People who can benefit from our grants must: l Be a Holocaust survivor or refugee l Be of Jewish origin (whether practising or not) l Be resident in the United Kingdom l Have an income of less than ÂŁ10,000 per year (excluding any pensions or social security payments) l Have assets of less than ÂŁ32,000 (excluding a primary residence and a car)

Get in touch

We work with 5 partner agencies to give grants: National The Association of Jewish Refugees 020 8385 3070 Greater London Agudas Israel Housing Association 020 8802 3819 Bikur Cholim 020 8800 7575 Holocaust Survivors Centre (Jewish Care) 020 8203 9033 North London Bikur Cholim 020 8802 5032

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Michael

DIET

DRUCKER

MATTERS

Do You Need The Gym To Get PSSST...Want to Know a Slim?

Secret

I am often asked: “Do you need to do go to the Gym to lose weight or can you lose weight just by eating right?”

tasks such as walking up stairs was a huge chore. It took 25 minutes every day to put my socks on. In the Past six months I have run two marathons and cycled 1200 miles.

Losing weight should be simple. You just ensure that you have more calories going out than you have coming in. Simple -right?

How did I get from one extreme to the other?

Well, with Slimming World’s Healthy Eating plan called “Food Optimizing” it really is simple, because all the weighing and measuring has already been done for you to ensure that you can have a stomach full of food and a head free of the stress of calorie counting. Our parallel plan called “Body Magic” is about increasing moderate physical activity as part of the fabric of your life, starting with just 7 minutes extra per day. Increasing physical activity means more calories out, so it can help speed up weight loss, but you have to get the get the FOOD right first!

Can you lose weight just by getting the Food right? This is especially a concern for members of mine with limited physical mobility. A & B both walk with assistance. A has lost 5 stone 3 lbs, and B has reduced her BMI from 30.6 to 23.6 in 9 months. C is a superstar. He joined my group in November 2013 with his mum.

They both started food optimizing 100% and C was also cycling most days. By March 2014, they had both lost 3 stone. Then, a pre-existing back condition got worse, and he was unable to leave the house or do any physical activity. He continued food optimizing 100% while waiting for a major operation; and during his recovery over the last few months. Two weeks ago he came into group and he had lost 5 stones during 5 immobile months. In addition, his BMI has gone from 40 to 25!

Part of my training for the Jerusalem Marathon (the hilliest in the world) was running up Brockley Hill in Stanmore. This is a very steep hill which is encased in a tunnel of trees, and for most of its length you cannot see daylight at the end of the road, or the top of the hill.

When I first started running up it, I could not look up at the hill, because it was so daunting, so scary, the end so far off and unreachable. If I looked at it, I just would stop...and give up... beaten by the realisation of how far I had to go.

Now when I run up it – and a few weeks back I did it twice one after the other- I can look the hill in the face- straight in the eye!

When asked how I am able to run up it, I normally tell people...”well, I’ve done it before, so I know I can do it again”. However, I had an insight on the second run up into what I mean by: “I’ve done it before”. Near the top of the hill, gravity drags you back and you feel really heavy and your feet feel like they are in treacle.

Nowadays I get that feeling at the top of Brockley Hill. When I was at my heaviest, I got that feeling when I first used the stairs instead of the lift, first walked round the block, ran for 10 meters or swam a length. I did it then, I can do it now too.

I tell my members that when they start to walk or Zumba, the grit and determination that it takes to just START will be the same determination that gets them up their own seemingly impossible hill to their Weight Target and the sunlight that they will see at the top.

However, increasing physical activity can produce benefits that go beyond weight loss, beyond the release of endorphins that can give you a temporary “high”. When I first joined Slimming World in 2009 I weighed 28st. Simple

Michael Drucker has been a Slimming World Consultant for 4 years. He joined Slimming World in 2009 weighing 28 stone. He lost 14 Stones, the first 13 in 14 months.

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EDUCATION

CIRCULAR Most parents think long and hard about employing a tutor to assist their child’s learning, taking the time to find the correct person to give their children ana educational boost. As parents, we all If you’ve family, your purse ortheir wallet is probably want our children to achieve full potential. crying.

Having Children is a terrible investment.

Youat Whether a child is achieving high standards school, and desire £200,000 is to reach greater fork out anthe estimated per even child by the heights, or ifreach the child is having difficulties and the timeisthey age 21.

Ofsupport, course, ifthe you’re need to provide further aimhappy is one to the be repaid it’s allyour morechild’s than worth it. Yet and same in – hugs, to ensure success. a few tips to ease the burden never go amiss...

The having a tutor to give your child process of out-of-school hours is one of immense teamwork Are you missing £1,000’s childcare – between the tutor, theofchild and help? the parents.

All three parties must be totally committed to the learning process and working in tandem to ensure areneeds two bigare ways you may theThere child’s being met.be able to get cash if you pay for childcare. First, do you work over 16 Traditionally, many consider using hours a week (youparents and youronly partner if you’re a thecouple) one-to-one tutoring approach, withinthe tutor and earn under around £41,000 total?

If visiting the family home. Whilst this is a tried and that’smethod, you, check eligable taxas tested it isif you’re very often notfor as childcare successful thecredit. parents Thiswould can behope. serious money - many get over £3,000 a year. To find out if you’re due, call 0345 At home, there are distractions for the pupil, and 300 3900. many children find it hard to associate the home environment with a teaching environment. A

child may findsee thisifenvironment – the Alternativly, your employerintimidating offers childcare teacher is watching them constantly, so the child vouchers, which allow you to pay for childcare is under pressure. Furthermore, the tutor coming to from your your home can only bringThe with a limited pre-tax income. waythem this works is number resources, willof find harder you giveofup, say, £2,000and a year salaryitfor £2,000to deviate from the set lesson plan if needed. of vouchers. However, as after tax you’d only have gotgood around £1,400 in your packet, means The news is that thispay is not the itonly way that private can be conducted. There are you’re £600tutoring better off. plenty of alternatives, which are more successful at generating mental stimulation and keeping ‘I savedinterested. £3,000 adding mum and dad to car children insurance” Why use Kip McGrath Edgware?

to the fearchildren of seeinghave yourthe teenager At Added Kip McGrath, best on of the both worlds!

Ourcost qualified teachers understand road, the of insuring one to drive can how be children learn, and are able to teach according terrifying.

One trick, if they’ve their own car, is to the individual child’s learning style withtoall try adding extra drivers with good records (eg, resources at hand. mum and dad) who may occasionally use the car.

Each childand has a free can assessment to determine It’s trail error, have a big their strengths andbut weaknesses.

Thisimpact, resultsasinit a did forprogramme one of my being Twitterformed followers (join on metheir at unique based own specific needs. @martinlewis): “As a new driver my insurance £5,000. there After adding mummore and dad, At wanted Kip McGrath are never thanit 5 dropped to £1,900.” pupils learning at one time. This means the child is stimulated by the others in the centre to study and to learn. The small size of the group means the child has one-to-one teaching when they need it, and given independence to develop their skills when they don’t. Children see the others asking for help if they need it, so they have the confidence to do the same.

The Deadline for advert submissions is

If you wish to Write for the

N or th - W es t

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Moreover, as they will be completing different tasks to the others in the group, they will be covering their own individual needs. This programme employs different learning strategies However, youstays must focussed. never say someone’s the main so the child driver when they’re not. That’s called fronting and By illegal. havingFull a classroom-like the child it’s info on slashingenvironment, costs for under-25s, is prepared to special learn, yet they are more relaxed including policies, at which allows them to achieve higher standards. www.mse.me/youngcar As a result the tutoring session becomes far more productive.

Ensure paying less foryou power At Kip you’re McGrath Edgware get:

•Tailored programmes yourbig child – your Lots of people in the housefor means energy bills -child is an individual should beheating taught as more rooms, TVsand on full blast, all such. that •Fully-supervised, 80Ensure minuteyou’re sessions water it all adds up. on the very •Small group of students (up to 5) per tutor cheapest deal. It only takes a few minutes. Just •Innovative programmes unique to Kip McGrath plug in where you live Education Centres thatto an www.ofgem.gov.uk help make approved comparison site and it’ll find your learning fun. cheapest.

What programmes we offer: Alternatively, my free Cheap Energy CLub English: Reading and comprehension, writing www.moneysavingexpert.com/energyclub will do and spelling; vocabulary development a comparison for you, including top picks you might miss,Basic and monitors your tariff afterwards to Maths: numeracy, algebra, fractions, combinations, ensure you knowtime when&tomoney move again.

Secondary School entrance exams: Maths, Give pocket money asverbal pay - reasoning otherwise you’re English, verbal & non ‘trust fund teaching’ ready for school – preparing children for Getting entering reception class Pocket money’s under-rated as a way to teach kids Our money goal is lessons, to: core provided you reward a work •Improve yourjust child’s ethic, and don’t doleconfidence it out. It teaches how to •Make learning engaging manage an incomefun - byand having a regular amount of •Help students reach their full potential money you start to learn the concept of saving versus spending.

Kip McGrath Edgware: The Director of the centre is Jan Moses. Jan has many years of experience teaching- in both Key ItStage also incorperates “opportunity 1 and Key Stage 2 within cost” Jewishwhether and secular they’d be schools better off spending the and sameHarrow. cash on Jan primary across Barnet qualified for degree Middlesex something else.her For teaching a young child this isatperhaps University specialising in Primary “do you want to buy sweeties with education. your money every week, or Edgware, save up to get toy 116 you want?”

Kip McGrath 1st the Floor, High Street, Edgware HA8 7EL

Phone: 020 8952 7500

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MANAGEMENT

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The Deadline for advert submissions is THURSDAY 6TH MARCH Reserveon the Space of Choice at www.northwestcircular.com 10% DISCOUNT Bookings viaYour www.northwestcircular.com until 5th Sep (Code: SEP10)

38

Deborah

SPEECH

DIETCH

MATTERS

Speech and Language Development: Part 1

In the last article we looked at some general strategies for helping young children develop their language skills.

Today we’ll look at how play can help develop language and communication.

For many parents, their own early childhood is a dim and distant memory and they can barely remember what they used to like to play with. They should be reassured in knowing that pretty much any activity that they can do with their child will be of benefit, as their child is aware that his or her parent enjoys spending special time with them, and values their company. However there are activities that are particularly helpful in developing language and communication. Here is a selection of some of them.

‘Home corner’ type activities (eg making pretend meals and teddy tea parties) as well as ‘play dough’ type activities are great for targeting the development of communication. They replicate many of the actions that young children see on a daily basis, (eg ‘eat’, ‘drink’, ‘mix’ ‘open’) and provide the language to go with, including the names of food and other everyday objects. These activities can also help develop children’s social interaction skills and appreciate the concept of sequencing (‘first we do this….next we do this...’)

Cars, trains and building bricks are activities that many parents enjoy carrying out with their child and can help develop social interaction skills when parents maximise opportunities such as sharing, offering, receiving and waiting.

If you can, resist the temptation to make your child ‘do the puzzle the right way’! Learning by trial and error is an important part of a child’s development and also presents lots of opportunities for communication. For example when pieces won’t fit or get stuck, it’s time to comment (‘oh no!), laugh or request help. Due to the routine nature of puzzles and shape sorters (ie repetition of the same action) there are plenty of chances to practise the same words (eg ‘in there’, ‘stuck’, ‘uh-oh!’ etc.)

Always remember to sit where your child can see you easily as you play and interact.

Keep your language simple and comment on what you can see or what you are doing using simple words.

Always respond positively when your child interacts with you, either verbally or without words.

It’s important to remember that children develop their skills at different rates, and a delay in language development is not necessarily a cause for concern.

When concerns arise it’s worth chatting with your local Health Visitor, GP, Nursery Teacher or Speech and Language Therapist. There’s also a wealth of material on the website of I Can, the children’s communication charity: www.talkingpoint.org.uk Deborah Dietch BSc (Hons) is a Paediatric Speech and Language Therapist of many years experience.

She may be contacted by phone on 07946 435 485 or email: deborah@soundspeaking.co.uk Registered with the following professional bodies: The Health and Care Professions Council The Royal College of Speech and Language Therapists The Association of Speech and Language Therapists in Independent Practice The Information Commissioner’s Office

Puzzles and shape sorters are commonly thought of as good activities for developing fine motor skills. However, The information in this article is for general instruction only. For they are also good tools for early language specific advice regarding your child, contact your local Speech and and communication development.

Language Therapist.

The Deadline for advert submissions is THURSDAY 6TH MARCH If you wish to Write for the

N or th - W es t

CIRCULAR

Please Contact us via info@northwestcircular.com

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North - West

CIRCULAR

mins with...

B Benarroch

5

(Sofer Stam)

In an interview for the Yomim Noraim the North West Circular talks to local Sofer B. Benarroch.

Q) What can go wrong with Tefillin if I paid for the best ‘Gassos / Ohr Echad’?

Q)If you’ve What is the your Inyan-concept checking walletof probably Tefillin anda family, Mezuzahs purse at thisortime ofis year?

A) Unfortunately many of the top ‘Gassos’ (i.e.

However, you must never theofmain those Tefillin made fromsay a someone’s single piece leather, driver when they’re That’s called fronting and This Ohr Echad) havenot.

‘Charitzim Mezuyafin’. means that the 4 compartments are not separate. it’s illegal. Full info on slashing costs for under-25s, The Tefillin are special glued making ‘forged slits’. This is including at as a modern day problem sincepolicies, the 1950’s, and www.mse.me/youngcar ‘Ohr Echad’ is now very popular – the market produces bulk production where the Batim only have artificial slits (‘Perudot’).

Ensure you’re paying less for power

crying. Having Children is a terrible investment. You A)fork Ofoutcourse by checking ourchild Tefillin an estimated £200,000 per by the& Mezuzahs we are looking for ifcondensation time they reach age 21.

Of or course, you’re happy damage, missing, brown peeled letters, but tofor be repaid in hugs, it’s alltoo. more than worth it. Yet it is another purpose a few tips to ease the burden never go amiss...

At this time of year we are scrutinizing ourselves by carrying-out a Bedikas HaNefesh, Are you missing £1,000’sMitzvos of childcare checking the habitual thathelp? we do e.g.

Bentching, Davening, Speech, Tzizit strings etc,

asThere well are as two the big classic hiddurim like you may bementioned to get cash Pas Yisroel.

And ways so Tefillin and able Mezuzahs are if you pay for childcare.

First, do you work over 16 also mentioned to increase our merits. hours a week (you and your partner if you’re a Q)couple) My Tefillin were already and earnand underMezuzahs around £41,000 in total?

If computer checked? that’s you, check if you’re eligable for childcare tax A)credit.

Computer doesn’t- many tell get youover the This canchecking be serious money quality lettersdue, which might £3,000ofa the year.shapes To find of outthe if you’re call 0345 be written correctly in Hebrew but not to the 300 3900.

Scribal rules and standards of Ashurit. The

person checking via the computer has a lot of clicking to dosee andif can makeoffers mistakes.

Alternativly, yourthus employer childcare vouchers, which allow you to pay Q) Tell us about silk screening? for childcare from your pre-tax income. The way this works is A)you Since printing, people have givethe up,beginning say, £2,000 aofyear of salary for £2,000 produced fraudulent S’TAM and in the past of vouchers.

However, as after tax you’d only have one didn’t have to be a specialist to recognise got around in your pay packet, it means printing even£1,400 on parchment. you’re £600 better off.

One of the biggest challenges for the Sofer

today is to decipher silk screen printing on to ‘I saved £3,000 adding mumSilk andscreen dad to car lined (Sirtut) parchment. is raised, exact, accurate and cheaper to produce. In insurance” Israel today it is estimated that as much as

70% of parchment Megillahs sold in shops Added to thesofrim) fear of seeing teenageron on lined the (not private are silkyour screened parchment, soldofwith a computer printcanout road, the cost insuring one to drive be& Hechsher (K’sidran isifnot required for Megillah) terrifying.

One trick, they’ve their own car, is – thus being considered ‘Kosher’ (accordingtoto try adding extra driversare withheartbroken good records when (eg, some).

Many people they theyoccasionally were cheated, and mumfind and out dad) that who may use the car. lament that it was bought from a ‘Religious It’s trail and error, but can have a big impact, as it Outlet’. did for one of my Twitter followers (join me at @martinlewis): “As a new driver my insurance wanted £5,000. After adding mum and dad, it dropped to £1,900.”

Lots of people in the house means big energy bills more rooms, TVs on full blast, heating all that water - it all adds up. Ensure you’re on the very cheapest deal. It only takes a few minutes. Just plug in where you live to an www.ofgem.gov.uk approved comparison site and it’ll find your Q) Why was the Rambam of the opinion to have cheapest. black-on-black Retzuos-straps?

Alternatively, myarefree Cheap Energyimplications CLub A) Whilst there perhaps Halachic of Hiddur it is more to do with the manufacture www.moneysavingexpert.com/energyclub will do how leatherforwas made in different countries. aofcomparison you, including top picks you In Mediterranean countries tanning was cured by might miss, and monitors your tariff afterwards to in a ammonia (see end of Perek Shira) resulting yellowyou coloured flexible parchment/leather called ensure know when to move again.

‘Gevil’. Gevil, or in this case, leathery parchment, is used for the Retzuot-straps which were afterwards Give pocket money payturning - otherwise you’reblack soaked in black dyeas vats, the straps ‘trust fundsides. teaching’ on both However, in European countries the process of curing and making parchment of soft leather is using Vienna Lime. Giving the Pocket money’s as a pleasant way to teach kids and parchment a under-rated whiter, more finish core youor reward workthen look.money Whitelessons, Lime, provided parchment hydeawas painted Halacha ethic, andblack don’tto justcomply dole it with out. Itthe teaches howMoshe to Misinai that Retzuot-straps must be black. manage an income - by having a regular amount of money TIPS you start to learn the concept of saving versus spending.

•Avoid buying ready-made (closed Tefillin).

It•Ask also to incorperates “opportunity whether see the S’TAM (whichcost” the -Sofer will be proud be to show they’d better you). off spending the same cash on something a young child this is perhaps •Ask for else.

Ohr For Echad Perudot Legamrey – not “do you want toPerudot buy sweeties with separated) your money Perudot or Rov (partially every week, or save up to get the toy you want?”

•Go to the supply source - avoid buying from the Internet re S’TAM.

•Get your S’TAM checked regularly.

B. Benarroch 12 Russell Gardens London, NW11 9NL 0208 922 5958

U

We also stock Tephillin & Tallis Bags ALL OUR WRITING HAS BEEN COMPUTER CHECKED FOR MISTAKES. FOR DIRECT ORDERS/CHECKING.

K

S o f r i m Est 1965

020 8922 5958

50

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The Deadline for advert submissions is THURSDAY 6TH MARCH If you wish to Write for the

N or th - W es t

CIRCULAR

Please Contact us via info@northwestcircular.com

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Wishing all Readers a Good Yom Tov and a Happy & Healthy New Year.

Children’s Haircuts Style and chic for little people

North - West

CIRCULAR

ISSUES

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2nd Nov Issue 16th Nov Issue 30th Nov Issue Wishing all our Readers Please Call:

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61

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North - West

CIRCULAR How did the Kollel Come About?

InIfthe mid 70s Golders a very you’ve a family, your purseGreen or walletwas is probably different place than isitaisterrible today.

Throughout crying. Having Children investment.

You local Medroshim there just fork Botai out an estimated £200,000 perwere child by the a handful Chavrusas learning together time theyof reach age 21. Of course, if you’re happy attothe time.

In 1975 R’ Gershon be repaid in hugs, it’s all more than worth Hager it. Yet shlita the need to open a go Kollel, which a fewsaw tips to ease the burden never amiss... at that time was seen as innovative idea within the Community. began the kollel Are you missing £1,000’s ofHe childcare help? by gathering a handful of young talmidei chachomim from within and There are two big ways you may bethe able toUK get cash abroad. loyally byover a few if you payHe for was childcare.

First, assisted do you work 16 local ba’alei including my late Father hours a weekbatim (you and your partner if you’re a Reb Chaim Guttentag z”l £41,000 who for many couple) and earn under around in total?

If years around from doorfortochildcare door with that’swent you, check if you’re eligable tax a partner enough money to over keep credit. Thisto canraise be serious money - many get the kollel going. £3,000 a year.

To find out if you’re due, call 0345 300 3900.

Who are the Hanhalah?

Alternativly, see if your employer offers childcare

vouchers, allow you to to pay have for childcare The kollelwhich is honoured Rabbi from your pre-tax Bransdorfer income. The wayshlita this works Moshe Chaim as isits you give up, say,and £2,000 a year salary for £2,000 Rosh Hakollel is led byofthe two Roshei of vouchers. However, after Goldberg tax you’d only shlita have HaChabura, Rabbi asMeir gotRabbi aroundYitzchok £1,400 in Fierstone your pay packet, it means and shlita. you’re £600 better off.

Rabbi Goldberg had previously learned in ‘I saved £3,000Ponevez adding mum andBrisk dad to car Gateshead, and Yeshivos insurance” before joining the Kollel as an avreich in

Added to the fear of seeing your teenager on the road, the cost of insuring one to drive can be terrifying. One trick, if they’ve their own car, is to try adding extra drivers with good records (eg, mum and dad) who may occasionally use the car.

It’s trail and error, but can have a big impact, as it did for one of my Twitter followers (join me at @martinlewis): “As a new driver my insurance wanted £5,000. After adding mum and dad, it dropped to £1,900.”

5

m in s

with...

1998. A renowned lamdan and talmid chochom, Rabbi Goldberg, leads the

morningyouchabura which aims tothe cover However, must never say someone’s main the intricate of the and driver when parts they’re not.

That’smasechta called fronting and has added and vitality morning it’s illegal.vigour Full info on slashing coststo forthe under-25s, seder. His chaburos shiurim coupled including special andpolicies, at with guidance and a keen insight are a www.mse.me/youngcar delight to all members of the Kollel indeed, topaying all those who use the Ensure you’re less for power

and Beis

Hamedrash.

Lots of people in the house means big energy bills Rabbirooms, Fierstone Kollel having more TVs on joined full blast,the heating all that previously learned in you’re the on Yeshivos water - it all adds up. Ensure the very of Gateshead in a Kollel cheapest deal. and It onlyBrisk takes aand few minutes.

Just in Manchester. he held various plug in where youThereafter live to an www.ofgem.gov.uk teachingcomparison positions House approved site in and Pardes it’ll find your Grammar School and Chaye Olam cheapest.

Yeshiva where he became well known as a mechanech shiur. CLub Rabbi Alternatively, my and free maggid Cheap Energy Fierstone has structured the afternoon www.moneysavingexpert.com/energyclub will do to ensure thetopmasechta aseder comparison for you, that including picks you is learned Rabbiyour Fierstone joinedto the might miss, with and monitors tariff afterwards Kollelyou having previously learned in the ensure know when to move again.

Yeshivos of Gateshead and Brisk and in Give pocket in money as pay - otherwise you’re he a Kollel Manchester.

Thereafter ‘trust teaching’ heldfund various teaching positions in Pardes House Grammar School and Chaye Olam Pocket money’s under-rated as a waywell to teach kids as Yeshiva where he became known core money lessons,and provided you reward a mechanech maggid shiur.a work Rabbi ethic, and don’t just structured dole it out. It teaches how to Fierstone has the afternoon manage an income - by having a regular amount of money you start to learn the concept of saving versus spending.

It also incorperates “opportunity cost” - whether they’d be better off spending the same cash on something else. For a young child this is perhaps “do you want to buy sweeties with your money every week, or save up to get the toy you want?”

The Deadline for advert submissions is THURSDAY 6TH MARCH To Have Your Organisation Featured Please Contact us 0203-659-2399

63

Dovid

GUTTENTAG

Chairman of The Golders Green Kollel In addition to its role as a place of Torah learning, the Kollel provides mechanchim However, you must never sayfor someone’s the main In and marbitzei Torah the kehilla. driver whenfew they’re not. That’s calledmost frontingrecently and the last years the five it’s illegal. Full info on slashing costs for under-25s, appointed Rabbanim & Dayonim in the including policies, NW Londonspecial kehillah were alumusat the www.mse.me/youngcar Kollel. This is in addition to the many

avreichim who have entered the field of Ensure you’re paying less for power chinuch in local schools and continue to

teach and ininspire their talmidim in their Lots of people the house means big energy bills respective more rooms, Mosdos.

TVs on full blast, heating all that

seder to ensure that the masechta is learned with a firm grounding and has If you’ve a family, your pursetests or walletduplicating is probably introduced regular crying. Having Children is a terrible investment. You successful methods of leading kollelim in fork out an estimated £200,000 per child by the Eretz Yisroel. His guidance, knowledge time they reach age 21. Of course, if you’re happy and emphasis on Pilpul Chaveirim have to be repaid in hugs, it’s all more than worth it. Yet raised the standard immensely. a few tips to ease the burden never go amiss...

Are you missing £1,000’s of childcare help?

How does the Kollel benefit the community?

There are two big ways you may be able to get cash

The kollel prides itself in do that local shuls if you pay for childcare.

First, youall work over 16 benefit delivered hours afrom week regular (you anddroshos your partner if you’re aby itscouple) Avreichim Yomim other and earnon under aroundTovim £41,000and in total?

If occasions. that’s you, check if you’re eligable for childcare tax Incredit. addition, asbe the Avreichim livegetlocally This can serious money - all many over they are on Tohand toif you’re benefit local £3,000 a year. find out due,the call 0345 moisdos.

300 3900.

water - it all adds up. Ensure you’re on the very cheapest deal. It only takes a few minutes. Just What are the costs? plug in where you Running live to an www.ofgem.gov.uk approved comparison site and it’ll find your The annual budget of the Kollel is close cheapest.

to

£400,000.

Alternatively, my free Cheap Energy CLub A significant percentage of the budget www.moneysavingexpert.com/energyclub will do is araised comparison for you, including top picks you at our annual fundraising dinner might and monitors held miss, in the 3 weeksyour astariff wellafterwards as fromto the ensure youNoraim know when to move again.

Yomim minyan.

We rely heavily

Alternativly, seea ifYarchei your employer childcareis Occasionally Kallahoffers weekend vouchers, which allow you to paycome for childcare arranged, in which people to the from your The way this kollel and pre-tax learnincome.

Bechavrusah as works well isas you give up, say, £2,000 a year of salary for £2,000 on communal donations to cover the hear Shiurim. of vouchers. However, as after tax you’d only have Give pocket money as pay - otherwise you’re shortfall. got around your pay packet, it means Most of all,£1,400 it’s a inplace where people can ‘trust fund teaching’ you’reand £600learn. better off. come Many B’aal Habatim learn

money’s under-rated as a way to teach To kindly donate to the Kollel, at kids a time in the Kollel BeChavrusah and feel a part Pocket saved £3,000atmosphere. adding mum andEvery dad to car money lessons, provided you reward a work when donations are much appreciated, of‘I its warm morning core insurance” andcontact don’t justDovid dole it out.

It teaches how to please Guttentag; there are circa 50 people learning in the ethic,

income087 - by having Tel: an 07970 111 a regular amount of Beis Hamedrash creating a vibrant kol manage Added to the fear of seeing your teenager on the money you start to learn the concept of saving Email: ggkollel@hotmail.com torah. road, the cost of insuring one to drive can be terrifying. One trick, if they’ve their own car, is to try adding extra drivers with good records (eg, mum and dad) who may occasionally use the car.

It’s trail and error, but can have a big impact, as it did for one of my Twitter followers (join me at @martinlewis): “As a new driver my insurance wanted £5,000. After adding mum and dad, it dropped to £1,900.”

versus spending.

It also incorperates “opportunity cost” - whether they’d be better off spending the same cash on something else. For a young child this is perhaps “do you want to buy sweeties with your money every week, or save up to get the toy you want?”

The Deadline for advert submissions is THURSDAY 6TH MARCH To Have Your Organisation Featured Please Contact us 0203-659-2399

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