Issue 38

‫ ע"ו‬Feb ‫ תש‬ru '‫ א‬ar ‫ דר‬y ‫ ' א‬17 ‫ח‬- , ‫ צוה‬201 ‫ תת‬6 ‫רש‬ ‫פ‬

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Our Town’s Weekly Issue #38

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More Purim-worthy recipes in coming weeks!

Every little girl wants to dress up like a queen Every boy wants to be king for a day.

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52

50

FYI: CLEANING Rub-a-dub-dub we thoroughly scrub... all the way to Pesach!

FOOD AND FAMILY Biscotti, florentines, and bark: This Purim, say it with chocolate.

TWO BY FOURS Sara seeks the consultation of a neighbor and is surprised by the turning tide.

TAKE IT ALL INTO ACCOUNT The strength of a business lies in its accounting system.

TABLE OF CONTENTS

32>> INBOX 36>> YOUR VOICE 40>> HEALTH & WELLNESS 46>> SHABBOS 50>> BUSINESS 54>> TWO BY FOURS

61>> FOOD AND FAMILY 68>> ELECTIONS 72>> ENERGY 78>> WELLSPRING 82>> D’CLUTTER 86>> FYI

FRIDAY

THURSDAY

Business | Home | Auto

February 21

37�/33�

53�/37�

50�/34�

MONDAY

Cellular 4 Less

Quality Printing

/ T HE MONS E Y V IE W

TUESDAY

WEDNESDAY

49�/34�

43�/25�

41�/26�

February 24

Park Plaza Cleaners

Monsey Wine and Liquor

Mumoin Check Cashing

Merkaz judaica and Gifts

Ext. 109

hoe re ss

Ext. 100

Ext. 101

Ext. 102

Ext. 103

Ext. 104

Ext. 105

Ext. 107

Rockland Pharmacy

Toys 4 You

Sweet Expressions

Photo Express

Weingarten Shoes

Surgical Shop

S&W Ladies Wear

Ext. 110

Ext. 201

Ext. 203

Ext. 204

Ext. 206

Ext. 207

Ext. 208

Ext. 209

Master Works

Supreme Health

Monsey Lingerie Shop

Mimi's linen and Bath

Dr. Faiman

Lily & Todd

The Sock Shoppe

Ext.212

Ext. 213

Ext. 214

Ext. 215

Ext. 216

Ext. 217

Ext. 219

Ext. 210

356-mall

845

Elegant Window Fashion

ONE NUMBER 30

February 23

ir pa

info@theshoppershaven.com

February 22

M &S Shoe Repair m&

Rockland Kosher

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February 20

February 18

35�/14�

27 ORCHARD ST. MONSEY NY 10952

SHABBOS

February 19

Great customer service Competitive pricing Quick quotes

SHOPPERS HAVEN

90>> YIDDISH COMICS 96>> MOMMY, I’M BORED! 102>> FUN PAGE 110>> HOUSING MARKET 114>> CLASSIFIEDS 122>> PICTURES

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2

5

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GREAT NEWS!

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ALTERNATIVE MEDICINE & ANTI-AGING

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Inbox

PUBLISHER:

Talk of Town

Yoel Itzkowitz EDITOR IN CHIEF:

D. Goralnik CONTENT DIRECTOR:

R. Reese ART DIRECTOR:

AJ Wachsman ARROW GROUP PROJECT COORDINATOR

R. Itzkowitz THE MONSEY VIEW

P.O. BOX 305 Monsey N.Y. 10952 TELEPHONE

845-600-8484 FAX:

845-600-8483 E-MAIL:

ads@themonseyview.com 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.

DISCLAIMER: We do not endorse any ad found in this publication. We are not responsible for typographical or grammatical errors.

A QUESTION FOR CHAVERIM

Dear Ruchy Reese, I really enjoy your articles. You must feel so privileged to be a part of the most wonderful Chaverim family!

Last week I was walking on Robert Pitt Drive when I noticed an unsavory, suspicious character (to put it mildly) walking in my direction. Although he was quite far I was able to feel that he was up to no good. I tried crossing the street, but with so many oncoming cars it was nearly impossible.

I continued walking, my heart pounding in fear as he came close.

His hatred-filled eyes, wild hair, the suspicious look on his face, the forced nonchalant walk — everything about him screamed “trouble!”

I held my breath as we passed, whispering fervently to Hashem to keep me and all of his children safe. All of a sudden, out of nowhere, a second, similar looking fellow with the same measured gait and suspicious mannerisms appeared.

I was panicking; perhaps these were terrorists who’d come to check out the local community?! Although I didn’t see these two men actually DO anything, every bone in my body was screaming “DANGER!” I squelched my feelings of uneasiness and went on my way, going from store to store. It was about 1:00 pm when I first

‫סקווירא‬

‫וויזניץ‬

‫רבינו תם‬

5:09 6:51

5:05 6:32

5:16 6:48

‫זמנים לפרשת תצוה‬ ‫הדלקת הנרות‬ ‫מוצאי שבת‬

Everest Equity Company , Inc. THE

Residential and Commercial Mortgages Two Executive Boulevard, Suite 201 Suffern, New York 10901 845.357.6900 Email: info@everestequity.com | Web: www.everestequity.com The Everest Equity Company, Inc. Is a Registered Mortgage Broker New York State Department of Financial Services. Registered Mortgage Broker NJ, CT, FL Banking Departments. Loans arranged through third party providers. NMLS ID 12484

32

/ THE MONS E Y V IE W

started shopping, and by 2:30 I found myself at the grocery, checking out. It was then that I noticed another one of the people I believe now to part of the same “group.” I think other shoppers also felt the threat; some of them were staring at the man. I watched him fix a coffee and then leave. Three red flags were frantically waving in my head. But what to do?

When I arrived home I enjoyed some “me time” with (of course!) The Monsey View. The first paragraph of the Chaverim article “Things That Go ‘Bump’ in The Night” hit me. I quote: “...It’s the bad vibes given off by unsavory characters; the nervousness felt when intuition whispers in one’s ear that someone is up to no good...Chaverim will always take seriously.”

I reread it again and again. Wow! This was exactly how I felt, but was embarrassed to make a call for fear of being categorized as an over-imaginative woman. Who would take me seriously, after all, these guys hadn’t actually done anything — yet.

My question to you is as follows: Should I call Chaverim when encountering shady characters, even though I haven’t actually seen them do anything?

Obviously, we are all in Hashem’s hands and he is safeguarding us, His

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precious kinderlach, but we still have to do our hishtadlus!

All the best, A Monsey Viewer

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P.S. I’ve noticed that a certain shopping mall has a security guard that never even looks, let alone scrutinizes, at those entering the doors, as he is too busy typing on his phone. It would be worthwhile for others who notice this to mention it to the management, as I have done, so that something can be done towards having a professional security guard.

RUCHY REESE RESPONDS:

Thanks so much for taking the time to write in! It’s always thrilling to feel appreciated. I actually enjoy writing the articles probably even more than you enjoy to read them!

I double-checked with the Chaverim coordinators to make sure that my answer to your question is right on target, and this is basically what they’d like all of us to know: • Even the simple feeling, like you experienced, is definitely a reason to call Chaverim, and such calls come in frequently.

• Even if you don’t see the suspicious character do anything, a full-fledged team of Chaverim members will be dispatched to track his every move and make sure that he continues to not do anything. Your call could potentially

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Inbox Talk of Town

be the factor that plays a role in protecting our community!

• Every call that comes into Chaverim is logged, along with the details. As lay people, we are not privy to long chains of suspicious events, but Chaverim’s finger is on the pulse of our community, knowing exactly what happens in nearly every case of suspicious events. Sometimes, just being alerted of a shady individual’s whereabouts might help solve a whole chain of crime!

So in closing, please, please call Chaverim when something raises your hackles! And don’t worry, it’s definitely not a bother!

Ruchy Reese

WELLSPRING OF WISDOM (ISSUE #37)

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My family is really enjoying your weekly publication. The Wellspring article was most informative. It hit on a topic that is relevant in today’s time, empowering parents with facts that will help them deal with the issues that arise when bringing up children.

I am hoping that there will be more articles to come.

Z.B.W.

Your Voice SKYROCKETING GROCERY BILLS

Lately my grocery bills, which were always high, seem to be on the rise. I am far from a scrooge when it comes to food shopping, but I do think I buy within reason. Is it normal that for my family of two adults and two young children - I spend an average of $300 a week on groceries?!

And when it comes to a Yom Tov, a Chanukah season, or Purim, it is way above that?

I’m reaching out to Monsey residents for your input and your experiences. Is this the new norm, or is something wrong with my shopping habits?

RE: TOO MUCH HOMEWORK (ISSUE #37)

Town Square

59 Route 59 Monsey, NY 845.356.0003 Sunday-Thursday 12pm-5pm Evening hours and other times please call for appointment

The letter writer in last week’s issue brought up an important issue. As a teacher, I appreciate that homework has a lot of benefits. But I find it troubling that children in the primary grades come home with such a heavy workload. Homework for young children should be kept to a minimum. Granted, their reading and dikduk need practice, but please let kids be kids, and leave time for play.

36

/ T H E M O N SE Y VI E W

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Health & Wellness

Becoming

WeighSmarter which are essential to your survival in this ongoing war. When these cells are “activated” and sense a foreign invader, they will attack the antigen in extremely large numbers — far larger than any real army! Come to think of it, every human has far more immune warriors than all the armies in history combined. Their onslaught is superbly coordinated by a sophisticated communication and command system.

By Esty Weiss

Are you disrupting your immune system?

WHEN YOUR BODY SPOTS AN ANTIGEN:

We often hear about the immune system, and how important it is that we keep it healthy and strong. I will provide a series of scenarios that will allow you to compare your immune system functioning with what should be the norm — our goal being to gain a better understanding of how your body works.

HOW DOES YOUR IMMUNE SYSTEM FUNCTION? Your body is on guard 24/7 to keep enemies — or “antigens” — away. In very simple terms, your body is constantly on the lookout for any foreign substances that try to invade the body. Viruses, bacteria, germs, and toxins are examples of antigens that the body doesn’t recognize, and that it does not want to befriend. For many, gluten or GMOs attack their immune system as well; upon consumption of either item, the body will fight back. There is a vicious battle going on inside between your body and the foreign invaders that threaten your health. If you think about it, you might be surprised that you don’t get sick or feel out of character most of the time. But the good news is that you have a strong immune army — the body’s guardian — to protect you from sickness. In every person, there are hundreds of billions of immune cells,

40

/ THE MONS E Y V IE W

If your immune system left for a coffee break, you’d be in big trouble.

When your body detects an invasion, it goes on high alert and prepares to attack! Your immune cell “soldiers” release a barrage of chemical messages that provide the cells with the location of the enemy and coordinate the attack.

Healthy immune cells are so powerful that they can actually blow up foreign invaders! They shoot beams of ionized particles that literally rip the outer cell membranes of infectious microbes. Healthy immune cells will release spurts of corrosive chemical poisons to kill off the invader. They surround, digest and cannibalize enemy cells to the best of their ability. In fact, your immune cells are on such high alert that they are always ready to aggressively attack any antigen that tries to invade your body.

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If your immune system left for a coffee break, you’d be in big trouble.

In most cases, the immune system does a great job of keeping you healthy and getting rid of invaders before you get sick.

THE PROBLEM: It’s amazing! Even though we aren’t aware of what’s going on inside the body on a secondto-second basis, the body just “knows” exactly how and when to do its job. It’s not even asking you for your help; it’s relying on the fact that you won’t interfere with what it has to do.

It’s like when you know that, as a mother, you’re better off doing certain tasks by yourself, but you will ask your kids not to disturb you. You want your immune cells to be strong and healthy so they can fight whatever antigens venture their way. The problem is that when you disrupt your immune cells from their job, they may become weak. Healthy immune cells need “healthy nourishment” in order to do their job properly. If you load yourself up with sugar, chemicals, damaged rancid oils, tons of processed food, little sleep, no exercise, stress, pesticides, herbicides, and GMOs on a

constant basis, you are disturbing your “mother” from doing her job. Now, don’t get me wrong – your immune system is pretty capable of handling a minor disruption here and there. But can it handle these disturbances on a consistent basis? That’s an important question to consider.

Read next week’s article about “Excitotoxins and Weight.”

Esty Weiss, CHC, is a certified weight-loss expert and President of WeighSmarter™, a dynamic weight-loss program geared towards orthodox women. She specializes in solutions for lasting weight-loss, using many techniques including, but not limited to, personalized fat-burning food plans, guided imagery, positive affirmations, and EFT. Esty first used these powerful tools to lose over 70 pounds, herself, and since 2006 has used these same tools to help others. She lives in Monsey, NY with her husband and five kids ka”h.

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Shabbos

Parshas

T e t z av e h

By Rebbetzin Malka Teitelbaum

Of all the items involved in the building of the Mishkan, more pesukim are devoted to the bigdei kehuna than to any of the keilim. The Mechilta brings that if gold is not available to make any of the keilim (other than the keruvim), then any other metal may be used as a substitute.

However, no substitute may be used for any of the materials used in the creation of the bigdei kehuna.

The bigdei kehuna are not merely a uniform the kohanim wear. The Rambam writes in Sefer HaMitzvos (Mitzvah Asei 33) that donning the bigdei kehuna is, in fact, one of the 248 mitzvos asei of the Torah. The Gemara (Zevachim) explains, and the Rambam paskens, that if there was a chatzitza separating between any part of the kohen’s body and any of the begadim, then the avodah was posul — something as simple as a small bandage could render the entire avodah invalid. Even more, the Minchas Chinuch in Mitzvah 99 adds that if there was a chatzitza between the kohen’s body and the begadim, then the kohen was chayev misa.

If any of the kohen’s begadim were dirty, if he was missing any of the begadim, or if he wore two of any item instead of one, or if he wore any additional garments not specified — the entire

46 / THE MO NS E Y V IE W

avodah was posul.

The kohanim worked with great mesirus nefesh to be properly dressed at all times during the avodah. Shoes were not permitted whether the stones of the ground were hot in summer or covered with snow in winter. In winter, they were required to perform the avodah wearing only the bigdei kehuna,

The bigdei kehuna are not merely a uniform the kohanim wear. and they still had to immerse in the cold mikvah multiple times.

Rabbeinu Bechaye explains that special men were appointed to watch over the kohanim to determine if any of them were growing weak.

The bigdei kehuna serve many functions. They are a visible sign to Klal Yisrael that Hashem chose the kohanim for a higher role, as it says: “V’asisa vigdei kodesh... You shall make holy garments ... for honor and glory.” (Shemos 28:2) Rabbeinu

Bechaye explains that Klal Yisrael is to look to the kohanim as kings, and the regal begadim give kohanim higher stature in our eyes. The begadim also remind the kohanim themselves who they are and what their role is, as it says: “v’asu es bigdei... they shall make Aharon’s garments to sanctify him....” (Shemos 28:3) The kohen’s entire being needs to be immersed in the avodah it is not enough that his hands perform the right action if his mind is somewhere else. The Sefer HaChinuch writes that the bigdei kehuna serve as a constant reminder to the kohanim to keep their kavanah pure. In addition, wearing special clothing shows kavod for the avodah itself, just as wearing Shabbos clothing shows kavod for Shabbos, as it says: “V’asu es vigdei... l’chahano li – they shall make Aharon’s garments... that he should serve me (be a kohen to me).” (Shemos 28:3) It says in Shemos 19:6, “V’atem tihiyu li mamleches kohanim v’goy kadosh – And you shall be to me a kingdom of kohanim and a holy nation.” Just as Hashem separated the kohanim from the rest of Klal Yisrael to be holy and pure, and to serve as shluchim between us and Hashem, Hashem chose Klal Yisrael to be a separate, holy, pure nation, to bring Hashem’s light to this

G

world, and to bring hashroas haShechina.

Dressing in a manner that is distinctly and appropriately Jewish is a crucial aspect of this role, and requires mesirus nefesh in every kind of weather, as we learn from the kohanim. Our way of dress reminds us who we are, and tells the world that we are separate and holy. And it serves as a constant reminder to stay focused on what is most important: that our entire being be immersed in our avodas

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We know that it is an honor and a privilege to dress in a manner that is distinctly Jewish and that is appropriate and befitting for a Jew, but it is more: it is an integral part of our avodas Hashem itself. So, when we make a checklist of standards that we hold for ourselves as the benchmarks of our Yiddishkeit, such as eating kosher and keeping Shabbos, let us not forget to include: dressing properly.

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course, “Real Estate: The Art of the Deal.”

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“The course was very detailed and clear,” shares a course participant. “It gave us a broad picture of real estate investing.”

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Take It All Into Account

By Joshua Kohen, CPA

The Backbone of Any Successful Business: The Accounting System Accounting System Setup Setting up a good accounting system for your business is an important step in your journey to becoming a business owner. With a properly maintained accounting system, you will know when your bills are due and when your customers’ bills are due, with you on the receiving end.

You will know how much spending money you have available in your checking account, the amount of inventory on hand, and how much you have sold during a specific period. And most importantly of all, you will hopefully know whether you are making money or losing money in this business. Your accounting system will provide you with critical financial information about the financial health of every division in your company and enable you to make better financial decisions. Clearly, a good accounting system is key to business success.

An accounting system is an organized set of accounting methods, procedures, and standards established to record, classify, and summarize financial information with the purpose of enhancing business decision-making. It can be a physi-

cal set of books, accounting software installed on your business computer, or an online accounting application in cloud accounting. Although manual accounting systems, such as the traditional columnar pads, are sufficient to maintain business records, automated software packages such as QuickBooks or Sage PeachTree will save you a lot of your precious time, eliminate repetitive and tedious tasks, and minimize human error that is inevitable with manual accounting. And at yearend, you will without a doubt save substantially on accounting fees by providing your accountant with

As with any information system, accounting software is only as good as its users. You will need a knowledgeable bookkeeper on staff with a basic understanding of how accounting works.

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/ THE MONS E Y V IE W

readily available computerized accounting records. Nonetheless, I must clarify that as with any information system, accounting software is only as good as its users. You will need a knowledgeable bookkeeper on staff with a basic understanding of how accounting works. The best accounting software cannot substitute the human element of trained

accountants.

Prices for accounting software vary greatly. Basic applications start at a few hundred dollars, or about $15 a month.

Comprehensive accounting modules for large businesses may cost $500,000 or more.

When choosing an accounting software package look out for the following: • How long the product has been around for. Is it reliable and proven through the test of time?

• You’ll want to make sure that the software is compatible and will work well with your current applications and Microsoft Office products.

• It should also have a feature to interact with your bank and automatically download transactions.

• Finally, verify if the product is suitable to your specific needs. For example, QuickBooks Pro can handle up to 50 group items and 14,500 inventory items. Read the product’s overview and system requirements to make sure that it is sufficient for your company’s needs.

chart of accounts will be assets that a company “owns,” such as cash, petty cash, accounts receivable, inventory, fixed assets, and long-term assets. Typical liability accounts will be everything that a company “owes,” such as accounts payable, salaries payable, taxes payable, and mortgage payable. In the stockholders’ equity accounts you will find accounts for company stock and retained earnings.

Cash Basis Method vs. Accrual Method After a chart of accounts is created, you will have to choose an accounting method. The options are the cash basis method or the accrual method. Here is a brief overview of the two methods without going too much into the intricate details.

The main difference between the two methods is the period in which revenue and expenses are recorded. In a cash basis, a company records income and expenses in the accounting period when cash is changing hands, i.e. when cash is “paid” for goods/services or cash is

“received” for sales/services.

(Cash here refers to cash, credit card transactions, and checks).

This method is used by many small businesses who typically receive payment immediately at the time of a sale. In an accrual basis method, income is recorded in the accounting period when revenue is “earned,” which can be before cash is received. For example, a product is sold on December 20, 2015 and payment is not received until January of 2016. With the accrual method, sales revenue will be recorded in year 2015. Expenses are recorded when “incurred,” regardless of when the money is paid. The timing that payment is actually received or made is ignored for purposes of recognizing income or expenses. This method is used by most large businesses that frequently ship merchandise, and then send invoices after the goods have been received. The accrual method aims to match revenues to expenses and provides for a more accurate picture of a company’s profitability in an accounting period.

Chart of Accounts Setting up an accounting system starts with creating a chart of accounts. This is simply a numbered list of all accounts in a company. The chart of accounts will be segregated by asset, liability, and stockholders’ equity accounts, where every account is assigned a name and sorted in a numerical order.

Typical asset accounts in a

Joshua Kohen, CPA, graduated with distinction from Touro College with a Bachelor of Science degree in accounting and is a Licensed CPA in the State of New York. He practices in Monsey N.Y. where he provides complete business incorporation, expert tax advice, and full service accounting to business owners in Rockland County. He can be reached at info@kohencpa.com or (845) 517-4250.

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Recap: Sara learns that Yaakov Kasten is a developer who wants to buy their house for a nice price.

Elimelech is tempted by the offer, while Sara vows to fight this real estate war.

Morning. It was this hectic “Mommy, sign my homework sheet,” put up the farina, make sure Binyamin and Efraim are dressed, the girls’ bows tied, rushing, rushing, wiping the table from breakfast, dabbing at her cheeks with a quick blush brush, assigning snack bags to each child marathon — and woe to the morning when those recess bags were not prepared in advance, and the clothing not laid out the night before.

Today was such a morning.

Already, when Sara awoke ten minutes late, she knew what kind of morning awaited her. And the office would be no less hectic, considering that yesterday’s workload was still undone, and she was not only working today, but paying back the time debt of yesterday’s hour off.

Efraim was crying, a sure sign that Binyamin wasn’t dressed.

There had been a time, in the luxurious era when she could still indulge herself, when she’d had a hard time getting out of bed to go to work. Elimelech understand that, and always had a mug of coffee waiting for her, its earthy aroma enticing her to follow the scent, into the world of the awake…

Good memories. They had a way of relaxing her mind until she’d slip… back…. Her eyes closed against the sunshine. But, no.

It all came flooding back to her now. Yaakov Kasten. Elimelech pleading with her.

They were so tight. Every month they set aside a sum, and placed it in a savings account for each of their children. Chasunah gelt. Each month, if an unexpected expense loomed, they’d play with it like a Rubik’s Cube, poring over their budget — “No, we can’t take off from our Pesach envelope. Pesach is four months away.” Yaakov Kasten’s offer was tempting, like taking off pointy heels after dancing at a wedding, like opening up a window on a cold winter day.

And equally infuriating.

“Modeh ani lefanecha…” In the first moments of the day, all the upset that the mind and heart had not yet filed away sat most prominently in the forefront of her consciousness.

But first, to thank Hashem. For a new chance, a new beginning, a fresh life.

Next, to throw off those covers and finally, dressed and ready, attend to her children, who by now — so fused with their chaos and still largely undressed at the ghastly timing of ten min-

54 / T HE MO N S E Y V IE W

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utes to the bus — needed a steady hand.

“Binyamin, here.” She gave him his shoes.

Efraim needed to be buttoned up. It would be cold cereal today. Tehilla refused to eat cereal; the cold milk and crunch grated on her teeth. Bread. Tehilla could make herself toast. The big ones were ready for their kiss on the cheek, and the bus was here. When she was waving the large yellow bus all way down the street, she finally allowed herself to relax her facial features, and then, to remember.

She’d have to take care of Kasten today. She sighed.

If she didn’t head over to work right this minute, she’d be late. And she had a phone conference schedule with Mordy Engel, an audit senior in her management.

Two minutes later, the stack of files neatly tucked into the nook in her arm, just as untouched as it had come home yesterday, she settled in her car, and shivered while the car heated up.

It was only on the way home from her job, workload duly completed and accounted for, that she allowed her mind to find its way back to Kasten. And the furious, physical anger that solidified her entire upper chest into hard armor and a desperation to fight, fight back, and not let the invasion in.

She parked in front of her house, but instead of merely going to the mailbox, she headed over to De-

Each month, if an unexpected expense loomed, they’d play with it like a Rubik’s Cube, poring over their budget. nise Callen, and knocked on the door. Mrs. Callen had been antagonistic when the Binets first moved in. She had based her views of them on the limited experience she’d had interacting with a tribe who lived on her street but didn’t speak her language.

Two days after the Binets moving truck pulled out of the driveway, Denise built a fence that ran the length of her property, clearly dividing the two. She lived alone, tending to her garden many afternoons, and she spent a lot of that first month glaring over the fence she had constructed, to the bikes, the car seat left outside, and a stray corncob after one evening’s picnic supper.

But three weeks into their new home, as Sara was pulling apple pie out of her oven, it occurred to her to send some over to both her next-door neighbors.

And later that evening, Denise came over, tears adding sparkles to her smile.

“Oh,” she said. “Oh.” “It’s nothing,” Sara said. Then she realized that she must head off any expectation of reciprocity. She explained the laws of kashrus to Denise, who listened intently. “All these years. I see them in ShopRite. I see them in town hall. I never really spoke to a Jew.

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My father’s grandmother might have been Jewish. She was from Russia. My mother’s Irish. And she makes an apple pie.”

Sara asked her for the recipe.

Two weeks later, she tried it. Her kids didn’t go for the added cinnamon, but with Denise Callen,

kept. Lilac carpet, plush and unworn, crept up the stairs. A small cylinder light fixture hung in the front hall. The kitchen was small, yellow, and smelled of soap. They sat down at the small table.

“So this man came over to me last night, and he wants to buy the property.”

Denise nodded. “Yes, I’m selling,” she said.

“You’re… selling?”

“I’ve just come back from seeing my lawyer. Mr. Kasten is giving me three months to stay here, even after I sell. I’ve long wanted to join a retirement community.

You know, Spring Valley is not” — she paused, looking for the right words — “what it was. It’s Jewish. And also, there are a lot of immigrants. Why keep up this house? I do love it. Put my heart into every corner of it. But it’s not my time anymore.”

Sara might have looked as incredulous as she felt. Denise had always respected her opinion when they’d discussed news items from the Jewish community and further afield. But now Denise, her staunchest supporter, wanted to sell. “Is there any way to change your mind?”

“Why wouldn’t I sell?” Denise asked, shaking her head. “It’s a good deal. In every sense, especially dollars and sense.” She smiled at her own pun. “Even Nancy Olano said that for this deal, she’ll relocate. And frankly, you should too. Why are you hesitating?”

“The real estate keeps going up in this area, because of these deals,” Sara said. She hesitated to explain about the members

“You know, Spring Valley is not” — she paused, looking for the right words — “what it was. It’s Jewish.” the ice was melted forever. It was a good thing to have happened. The natural distance was anyway there. But to have goodwill between the neighbors was important.

And now, it would come in handy.

Denise was usually home at this time. Sara knocked again.

Waited. She’d try back again after supper was done. Twenty minutes later, chicken braised and baking in the oven, table set with a salad and drinks, she tried her luck again.

This time, Denise welcomed her in and they exchanged pleasantries and reports on the weather.

Sara had never been in her neighbor’s house, and she looked around curiously. The house was old, but very well

58

/ THE MONS E Y V IE W

of her tribe who had no qualms about changing the face of Monsey with the sole motivation of lining their pockets. That would be a terrible chillul Hashem.

“I don’t have a stake in this community,” Denise said. “Personally, I’m happy my house has appreciated to this value and now seems a good time to cash in. I’d say the same goes for you.”

“I don’t know,” Sara said. “I just love our street.” She sighed.

No words would work. Denise looked pragmatic as she walked Sara to the door. “Location, circumstances, all these change,” she offered sagely, gently inserting a booklet of real estate listings into Sara’s hands.

So she was outnumbered.

Outnumbered and manipulated.

They were all selling, and Elimelech wanted to sell as well. She went home and sat down on her couch, to say her daily Tehillim and clear her head before the kids came home. On the cushion sat the booklet Denise had given her. She flipped it open to a random page and her eyes swept over the real estate listings.

An old colonial for $530,000.

A high ranch for $700,000. A dilapidated hut on Saddle River for $350,000. “No!” she said. “No. No!” To be continued...

Chany Rosengarten’s work has appeared in Mishpacha, Ami, Jewish Press, Chabad.org, Lakewood Shopper and of course, The Monsey View.

She writes for businesses and entertainment venues, gives workshops on writing and success, and her book Jerusalem Stone will soon be released.

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Food & Family

Now that we have stepped into Chodesh Adar, it is the perfect time to think about Purim. Although for most of us, Pesach cleaning comes before Purim preparation, be smart and throw in some fun activities to sweeten your workload, while getting ahead with your mishloach manos.

By Leah Stern

T H E M O N SE Y V I E W /

61

FRUIT-TOPPED BISCOTTI 4 eggs 1 cup oil 1 cup sugar 1 tsp. vanilla extract 1 tsp. almond extract.

4 cups flour 2 tsp. baking powder 1. Mix first five ingredients and allow to rest for 10-15 minutes.

2. Preheat oven to 350.

3. Add flour and baking powder.

Mix until very well combined.

4. Line four medium challah pans (10 inches long) with baking paper.

5. Divide the dough into prepared pans.

6. Smooth batter with spatula.

7. Bake for 40 minutes and let cool.

Topping: White chocolate Dark chocolate Chopped dried kiwi Chopped dried apricot Craisins Toasted slivered almonds 1. Cover the top of two biscotti loaves with melted dark chocolate, and two loaves with melted white chocolate 2. Sprinkle craisins and kiwi on white chocolate loaves and almonds and apricot on dark, before chocolate hardens.

For a beautiful presentation, slice into 他-inch slices and arrange a variety in a shallow box with clear cover. Tie with a ribbon.

62

/ T HE MO NS E Y V IE W

½ stick margarine ½ cup whip topping ½ cup sugar ¼ cup flour

1 cup salted peanut halves 1 ½ cup unsalted peanut halves 6 oz. baking chocolate for dipping

1. Preheat oven to 350.

2. Melt margarine in a saucepan 3. Add whip and sugar, and cook on a low flame until sugar dissolves.

4. Bring to a boil and cook another 3-4 minutes, stirring constantly.

5. Mix in nuts and flour.

6. Line cupcake pans with Palisades parchment cupcake liners. Put one tablespoon of nut mixture into each cup.

7. Bake for 10-12 minutes, or until light golden brown.

8. Allow to cool and harden. Take out of liner and dip bottoms into melted chocolate.

9. A typical florentine is dipped in chocolate on the underside only, but you can choose to cover them totally in white or dark chocolate to attain a different look.

Although I’ve always been intrigued by this professional looking Italian treat, I was never brave enough to try it.

Somehow the various steps made it seem complicated. But now that I’ve mastered the art, I’m game. The preparation time was much quicker and simpler than I had anticipated.

EY-SAVER T NS

: IP

M O

For this specific recipe, it is important to use parchment cupcake liners, as they will remain stuck on ordinary liners. Alternately, you can do them directly in silicone cupcake molds.

If you want to make these in quantity, you can reuse the parchment liners at least another time.

FLORENTINES SEASO NED CHEF

You could substitute the peanuts with any other nut, and throw dried fruits into the mix for color and tanginess. ___ You can obtain almost the same results by dropping the batter by the tablespoon onto a lined cookie sheet and bake.

While they are still hot, use a metal circular cookie cutter to pull in the edges to form perfect circles.

T H E M O N SE Y V I E W /

63

TWO-TONE BARK If you love bark, but not the asymmetrical look, this square two-tone version may just be the right one for you!

TIP:

Match your color scheme: use any color crushed candy or dried fruits to complement your look.

7 oz. dark chocolate 12 oz. white chocolate Craisins Roasted, salted almonds, chopped by hand to desired size - or use roasted slivered almonds 1. Melt the dark chocolate in a double boiler and spread onto a 9x13 flat tray, either foam or plastic. (This can also be done in a 9x13 pan, but is a lot easier in a flat tray.)

2. Place in freezer to allow to set.

3. Melt white chocolate in a double boiler, and spread over the dark layer, working quickly.

4. Scatter the toppings over the white chocolate, and using a spatula press into the chocolate to make sure it sets.

5. Cut with a knife into neat squares. If you are having a hard time, dip the knife into very hot water, dry and cut bark immediately.

SEASO NED CHEF

64

/ T HE MONS E Y V IE W

If you’re preparing this recipe in larger quantity do not do everything at once, as the chocolate will set before you have a chance to put all topping on. ___ For the most professional results, use a very high-quality chocolate. Premium white and dark chocolate can be purchased at exclusive bake supply shops.

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Primary Elections

By Ruchel Lebovits

And then there were 5.

Following the New Hampshire Primaries, another two Republicans, Carly Fiorina and Chris Christie suspended their campaigns. Neither one had managed to collect any delegates and their poll numbers in upcoming states didn’t look promising. And up to this point. neither of them have endorsed any of the remaining candidates.

As for now, Donald Trump is still the clear front runner in both the upcoming contests and national polls. The remaining candidates have fewer differences among them and so they divide the voters in similar percentage points depending on the particular poll. The contests in the next 2 weeks will determine who stays and who goes. Most pundits expect Super Tuesday, March 1st, which will see elections take place in 13 states, to be the turning point where candidates will be forced to make decisions on whether to stay or to go. If only 1 or 2 candidates remain among the five 2nd tier candidates, there is a possibility that they will be able to beat out Trump to win the party’s nomination. If the elections drag on for much longer Trump will either get enough delegates to secure the nomination (the minimum is 1,236), or we will see a brokered convention where you have the delegates decide on a nominee at the convention.

NEW HAMPSHIRE It was a night of big wins. On the Democrat side, Bernie Sanders who won big, beating Hillary Clinton 60% to 38%.

He also won in every major demographic.

It was an opportunity for him to show that he is a candidate to be reckoned with.

On the Republican side Donald Trump

68

/ T HE MONS E Y V IE W

came in at 35%, 20% points above the next candidate, John Kasich who got 15% of the vote. Below him were Ted Cruz, Jeb Bush and Marco Rubio in a virtual tie with only one percentage point dividing the three of them. They all received an equal amount of delegates. At the bottom of the pack were Christie, Fiorina and Carson who all received less than 10% and no delegates.

DEBATES

The Democrats held another debate on February 11th in Milwaukee, Wisconsin. Sanders touted his revolutionary platform and again tried to associate Hillary Clinton with Wall Street and the establishment, a move that has so far served him well. Hillary for her part painted Sanders plans as unrealistic and pointed to her years of experience, saying she would be more likely to be able to carry out the various plans she has if she were to win.

The debate polls though, indicated a strong win for Bernie Sanders.

The Republicans also held a debate on February 13th. All the remaining candidates took part in the debate. It was very heated, almost vicious, debate with every single one of the candidates trying to get ahead of the pack by not only touting their accomplishments but ripping everyone else apart.

Following the debate POLLS viewers declared Rubio the winner followed by R C P P O L L AV E R A G E S Trump and Kasich. The bottom 3 were Cruz NATIONAL SOUTH CAROLINA Carson and Bush. The TRUMP 29.0 TRUMP 36.3 previous debate, which CRUZ 21.0 CRUZ 17.8 was deemed a failure RUBIO 20.3 RUBIO 15.8 for Rubio, seemed to CARSON 7.3 KASICH 9.8 have impacted the election. And now it apBUSH 4.7 BUSH 9.3 pears in the post-debate polls that his last outing NATIONAL SOUTH CAROLINA has helped him gain CLINTON 49.0 CLINTON 59.5 support. Of course the SANDERS 35.3 SANDERS 35.5 real test will be in the voting booths.

UPCOMING CONTESTS

SOUTH CAROLINA GOP POLL

DATE

TRUMP RUBIO CRUZ

KASICH BUSH

CARSON SPREAD

For the upcoming contests, PPP (D) 2/14-2/15 35 18 18 10 7 7 TRUMP +17 the Democrats and Republicans have different schedules.

SC HOUSE GOP 2/14-2/14 33 14 14 10 13 6 TRUMP +19 The Democrats will be having ARG 2/12-2/13 35 14 12 15 10 2 TRUMP +20 the Nevada Caucus this Saturday, February 20th and the GRAVIS 2/11-2/13 37 19 23 6 9 6 TRUMP +14 South Carolina Primary next CBS NEWS/YOUGOV 2/10-2/12 42 15 20 9 6 6 TRUMP +22 Saturday, February 27th. The AUGUSTA CHRONICLE 2/10-2/11 36 15 20 9 11 5 TRUMP +16 Republicans are having the South Carolina primaries this Saturday February 20th folG O P D E L E G AT E C O U N T lowed by the Nevada Caucus next Tuesday February 23rd. Despite the STATE CRUZ TRUMP RUBIO CARSON BUSH KASICH HUCKABEE* PAUL* fact that the Nevada Caucuses are mere IOWA 8 7 7 3 1 1 1 1 days away there have been no recent NEW HAMPSHIRE 3 10 3 0 3 4 0 0 polls on the Republican side at all and only one for the Democrats conducted TOTAL 11 17 10 3 4 5 0 0 by the Republican Party which shows Clinton and Sanders tied at 45% so the Nevada Contest remains something of a D E M D E L E G AT E C O U N T mystery unlike South Carolina which has been the focus STATE CLINTON SANDERS of the pundits and politicians who have been campaigning there since last week.

IOWA 23 21

JUSTICE ANTONIN SCALIA, DEAD AT 79 In a shocking occurrence which shook up Washington, Justice Antonin Scalia was found dead, apparently of natural causes, on Saturday. Scalia was considered the most conservative member of the court, a constitutionalist who litigated according to the intent of the framers.

According to the constitution, it is now the job of the President and the Senate to replace him. This is shaping up to be an epic battle. Being a Justice on the Supreme Court is a lifetime position. This means that anyone placed into the seat Scalia vacated will have an effect on American law for years to come. President Obama is a staunch liberal. His previous appointments to the court, Justice Sonia Sotomayor and Justice Elana Kagen have reflected his views. Seeing as most of the recent court decisions were 5/4 decisions with the court going sometimes more liberal and sometimes more conservative it would seem proper to keep the balance as it was.

The Senate is currently majority Republican. Majority Leader Mitch McConnell immediately stated that the Senate would not confirm any of President Obama’s appointments and would wait for after the election to give the new president, and essentially the American People,

70

/ T HE MONS E Y V IE W

NEW HAMPSHIRE 9

15

TOTAL 32

36

SOUTH CAROLINA DEM POLL

DATE

SANDERS CLINTON SPREAD

PPP (D)

2/14-2/15 34

55 CLINTON+21

ARG

2/12-2/13 27

65 CLINTON+38

GRAVIS

2/11-2/13 41

59 CLINTON+18

CBS NEWS/YOUGOV

2/10-2/12 40

59 CLINTON+19

the choice of who should replace Scalia. Whether a democrat or republican wins, the people of the United States will be aware that their choice of President is also a choice for the ideology of the new Supreme Court Justice and may have that in mind when casting their vote.

Most of the Republican Presidential candidates agreed that the Senate should hold out for the next president with Ted Cruz going so far as to say he would filibuster (a prolonged speech that obstructs progress in a legislative assembly) an Obama appointment.

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Life’s Journey

72 / THE MO NS E Y V IE W

By Chaya Liba Aarons

2 “Early” has a new meaning for me.

I remember sitting on the sheitel macher’s chair when I was still the mother of one little girl, sharing my early routine.

“Listen, I have to get to bed at a decent hour — my baby wakes me up bright and early.”

“What’s early?” Breindy, my sheitel macher, asked me.

“Like, seven. Really.”

The mother of eight looked at me and shrugged. “Well, I’m lucky if I can sleep ‘till then. At six-thirty I’m making bottles already.”

Today, six-thirty is blessedly late. Nachman and I are playing Lego or washing the windows before the sun appears.

My bedroom door creaks open anywhere between 5:15 and 6 am. I try to put Nachman back to bed, but as soon as I snuggle under my covers, the door opens again.

This morning, I give up. The hope of getting another few minutes of shut-eye is, well, hopeless.

I stand at the kitchen counter, while Nachman stands on top and looks through the cabinet. I’m crying as I spoon coffee and sugar into my mug. I take Nachman down from the counter and heat up water, while he tries to climb up again. I hold him in my arms, while he kicks in all directions, then finally breaks out into a grin when the kettle whistles.

I settle Nachman on a kitchen chair and carefully pour in the hot water. I manage to finish pouring a second before Nachman crashes into me. I pour in the milk.

I made a coffee and no one got hurt. Hurray!

I sit down on the floor near Nachman.

I wonder what kind of picture this would make: in the pre-dawn dark, a mother in her nightgown sits on the floor near her three-

T H E M O N SE Y V I E W /

73

Corn kernels stil dot the floor from last night’s supper. I furiously sweep the kitchen floor, like I am collecting jewels. year-old and cries.

I get up and take a sip from the coffee on the counter and go back to sit near Nachman.

This is one of my best-kept secrets: sit on the floor near your child and protect your sanity.

Five thirty five.

One and a half hours until the morning rush.

I cry more.

Nachman bops up and down on my lap. For a second, he stops to stare at my face, but then he goes right on bouncing.

I stretch and start to get up.

Nachman jumps to his feet and climbs up the kitchen table. I take him down and grab his hand. I steer him to his room and we schlep out the Clics box together, pushing it toward the kitchen.

He gets busy opening the box; I grab the broom. Corn kernels still dot the floor from last night’s supper. I furiously sweep the kitchen floor, like I am collecting jewels.

My jewels are those halfminutes that Nachman is busy.

But no more.

Nachman wrenches the broom away from me and scatters the dirt pile I had accumulated all around the room, then throws his head back and roars. He throws the broom up in the air and it lands with a clang. Before I can get it back, he aims the broom upward, shouting, “Up to the sky!” while poking my eye with its edge.

I hold one end of the broomstick as he clutches it, trying to bandy it around. I don’t have the strength to pull it away.

Nachman is so, so strong.

The tears come faster now.

When Nachman leaves with his teddy bear backpack

at 8:30 am, I feel like I am finally starting my day. But I also feel like my day is over; so much has already happened since I had opened my eyes before daybreak. I am ready to go back to sleep.

I stumble into bed and then sit up in a panic two hours later. Did I really just wipe off two hours of my precious morning? I feel guilty but refreshed as I sip my second cup of coffee for the day.

One part of me grumbles.

This is a pure waste of time.

Getting up at 5:15 and accomplishing nothing besides getting the kids dressed and fed until 8:30, and then sleeping away my morning hours.

The other, more honest part of me wants to accept it.

This “waste of time” is just how Hashem wants me to spend my time. It can’t be called a waste. What is time for, after all, if not to do what He wants?

But a day after Pesach I’ve forgotten those lines. I’m a ragged, tear-streaked wreck.

Nachman was home for twelve days straight. Enough said.

I shoo the kids out the first morning they’re back to school with the glee of school girl singing, “No more school, no more books!”

But after I’m done laughing, I sit down in my quiet house and cry.

Is this what it comes down to?

With the kids I’m a loser, and when I’m alone I’m okay?

I don’t remember ever crying for so long in my life.

When Aryeh comes home, I break down again and tell him about my tearful morning.

“That’s it,” I declare. “I’m not doing this crazy thing anymore.”

All identifying details of the people in this column have been changed to protect anonymity.

74 / T HE MO N S E Y V IE W

Aryeh just nods. Well, then, what will you do? are the words I know are running through his head.

The answer comes to me in a flash: “I have to talk to someone.”

Aryeh claps. “That’s it!”

On Mrs. Pearlman’s couch I spill out my story. I hate being with the kids. Nachman is wild. I have no control. I feel like some wicked woman with an awful attitude toward her children.

Then she says something that surprises me: “There’s a problem, Chaya Liba.”

I just gape.

“This is not the norm.

Sometimes you can go on suffering without ever validating and recognizing the problem.”

There’s…a real problem?

How funny… How delicious… How freeing!

“From what you’re saying, Nachman is displaying classic ADHD behavior.”

“But he’s only—“ Mrs. Pearlman holds up her hand. “ADHD affects a child from the very beginning of his life. Yes, we often cannot diagnose children at such a young age. But you have to visit a neurologist.”

Aha. Now I know why I’m not managing. She puts it like this: “It’s like a mother who’s going every day to the hospital with a child, and then wonders why she is not managing like everyone else. You have to be honestly aware of your situation.”

Honest and aware.

I have a difficult child, and I am struggling.

To be continued...

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Success story of the week A grateful mom’s story: As our beautiful baby Chavy* matured into toddlerhood, we noticed red flags. She seemed smart, yet we were concerned… Her language development (she did not speak or respond appropriately to directions), physical development (she did not appear organized and sometimes very rigid and tight and other times seems floppy) social development- (she was sometimes so adorable and social, yet other times so inappropriate and would pull hair, pinch others, or just lay down flat on another child).. We were at a loss as of the best approach to reach our precious child locked in her challenges… how do we find a key?

When Chavy entered the doors of Kinderland EI, a special education classroom of Hamaspik, we hoped for improvement… we pinned our hopes high, and baruch hashem she succeeded beyond our expectations!

With a core team of devoted and experienced therapists, Chavy was given loads of love and understanding along with a comprehensive program prepared especially for her. The classroom teacher collaborated with me and all therapists on a regular basis to update everyone on the team using the latest approach and encompassing/updating goals. Chavy’s classroom routine revolved around activities she loved and craved; intertwined with skills she needed to develop. Language cards were initially used to give Chavy an understanding of the daily structure so she could make sense of the confusing world around her. As Chavy learned to follow basic routine we noticed she was much calmer and receptive to the familiar schedule.

As soon as Chavy began talking we noticed that she is brilliant, way more than we realized. We continued working on Chavy’s weakness, systematically, and consistently and slowly skill by skill. As we continued working on her difficulties, we unwrapped the gift of our dear Chavy…

A child who can walk, run, play, socialize and speak.

A child who is continuing to shine and achieve her potential.

What more can a mother ask for?

*name changed for confidentiality

Classroom runs following the DIR floortime approach. Teacher collaborates and implements ABA goals and strategies, Fun loving, happy approach while working on individual’s challenges, Step by step plan set up by teacher to build on strengths while simultaneously challenging child’s weakness, Music and movement sessions along with option of individual mother/ child session, Traditional therapy combined with new updated approaches and technological advancement, Constant collaboration! Daily notes. Weekly phone calls to parents.

Teacher/aides observe home sessions of related services (PT, OT, SLP) to implement all goals throughout the day, Yiddish, English, Hebrew, Lunch and transportation provided, centrally located in the Monsey Hub on Rte. 59, At no cost to parents, Funded by the EI program thrue RCDOH

Ask your child’s Service Coordinator today about the GDM class services.

Wellspring ofWISDOM By: Kaila Weingarten, MS Ed

Wellspring Early Intervention Service Coordinator

The Calming Effect of Morning Routine

Do you know how to make your day go smoother and happier? With a smooth and happy beginning!

Ace the morning marathon by creating a morning routine, which is especially impactful for the special needs child. Of course, along with setting up a daily routine, comes speaking to your child when changes inevitably occur, and keeping your child abreast of the situation so he knows what to expect.

Take one young child with speech delays, for example, whose mother told me, “It just never occurred to me to talk to him about what was going to happen, until one of the therapists gently pointed out how I can improve my interactions with my child. She suggested that this might be a direct cause for the meltdown my son was having at that very moment. “‘He needs to know what to expect,” she explained. “And the more predictable you can make it for him, the better.’

“I took her words to heart and started working on routines,” said the mother. “The change in my son’s behavior was immediately positive. Having routines in place gave him the structure he needed

78 / T HE MO NS E Y V IE W

and allowed him to progress.”

She’s not the only one. I’ve seen many a client have a meltdown when confronted with an unexpected event, even a change in timing of a therapy session.

For the siblings of a child with special needs, a routine may be the safety net they crave and need.

Life can often seem inconsistent (and perhaps even unfair) when sharing a home with a child that needs extra help in various ways, and these kids may easily become resentful of the attention their sibling demands, so it is best to be proactive, and keep them in the know. Talk with each child as they mature and maintain lines of communication.

Keeping a steady routine will help every member of the family feel loved and respected.

TRAINING Once you have picked a morning routine for kids, go through all of the steps with them in the morning.

Give each child a list with his or her morning routine, and let them check off the items, mentally or otherwise, as they are tackled.

VISUAL CUES If you have younger children, use real pictures instead of just words and include all of the tasks that have to get done like: • Brushing teeth • Combing hair • Getting dressed • Eating Breakfast • Washing face • Putting shoes on • Get briefcase • Wait for bus at door Most parents who implement a visual schedule notice a huge difference. “It’s just a little paper with some simple drawings, but you won’t believe what a difference it’s made. My children are focused, and following along so happily!” gushed one mother.

OWNERSHIP Throughout the morning routine, encourage your child to take ownership of the tasks on his chart and try not to do everything for him. It might be quicker in the short term to put his pants on, but you may just contribute to a power struggle that you will pay for in time and frustration down the road.

Talk to your child’s therapist to get specific ideas of how to help your child work on his goals in achieving independence. For a child who is hypotonic (low muscle tone), you may work on self–feeding or his getting dressed by himself, albeit with

a little help if needed, due to the tendency to tire with exertion.

ADDED GOALS Physical goals can also easily be incorporated in the morning run; a five-minute “exercise” session can get everyone awake and moving. Children with low attention span can benefit from hearing a story during breakfast time, when they are anyway seated. Mealtime, in general, can be a great way to focus in on language that you want your child to learn.

Any child who is self-sufficient, who can tie his shoes, dress or undress himself, reflects in his joy and sense of achievement the image of human dignity, which is derived from a sense of independence.

-- Dr. Maria Montessori

PREPARE YOURSELF The one running the show also needs to be properly prepared to ensure a smooth morning. Here are some ideas to help you keep your cool.

1. Prepare the night before.

• Plan what you will be serving for breakfast and prepare the ingredients.

• Pack snacks and lunches • Choose and prepare clothes

school essentials so you aren’t searching for backpacks, shoes etc. each morning. Try a box, hooks at your child’s level or a shelf. Assign a place for your pocketbook/wallet/phone as well. It is hard to encourage your kids to prepare ahead of time or keep all of their things in a designated place if you are the one yelling “where’s my phone?” to your husband each morning.

3. Get up before your kids.

If you wake up even 15 minutes before your children, you can get yourself oriented and ready. Ideally, you have showered, dressed, packed and the most important of all (in my opinion), had a coffee! You need all the energy you can get, so set yourself up for success.

Trying to establish a morning routine that actually works may seem to take a lot of effort, but the ease with which (most of) your mornings will flow will make the effort well worth it.

Instead of being the most stressful time of the day, our mornings are calmer and set the pace for a wonderful day ahead.

2. Assign a place for all of the

Wellspring has been providing evaluations and therapy services to the community for 15 years. Mrs. N. Meisner, Director carefully selects licensed and dedicated professionals; they are handpicked for their sensitivity, as well as their expertise. Convenient and confidential, services are administered in the setting of your choice, at no cost to you. Wellspring’s elite staff can make a difference in your child’s life. Often, the sooner a suspected delay is addressed, the quicker it can be resolved. Call Wellspring at 845-426-7700 to discuss any concerns you may have regarding your child’s development.

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MASTER BEDROOM Hi! Let’s begin our journey of d’cluttering and polishing our homes. Along the way, we can polish our hearts, minds, and souls.

Allotted time for the master bedroom: 4 hours.

2 hours for the closet (1 ½ hours for decluttering and organizing and a half hour for cleaning) For the rest of the room, allow yourself 20 minutes for each job, unless something is overly soiled, in which case the scrubbing may take longer.

If you’re working on it for longer than that, half of the stuff in your room, A: doesn’t belong in your room or B: doesn’t belong anywhere in your home!

Keep your mind engaged by listening to something that you enjoy, and the time will fly! Call Akeres Habayis for lebedig music, discussions, and extras at 845-678-8360 or Tik Talk 201-855-8255.

Don’t forget to take a two-minute break every half hour to have a drink and stretch with the broom held high above your head, horizontally. Hold for 40 seconds and release. That will take away back pain caused from all the bending and, well, cleaning.

• • • • •

PREP LIST:

Garbage bags Gloves Shmattes or dust cloths, (I actually use baby cloth diapers for shmattes. They work the best!)

Broom, shovel, mop, duster, vacuum cleaner Window cleaner: Windex (no drip streak) For mirrors you can use the Windex, or make your own mixture with white vinegar and water. Wipe with newspapers for a streak-free shine.

• Mild cleanser: Mr. Clean Multi Surfaces, antibacterial; a favorite in my home.

• Furniture polish- Method Wood For Good polish (almond) or Murphy’s oil soap liquid (gives it a high shine and I love the smell!)

• Floor cleaner: Black Diamond Wood & Laminate Floor Cleaner • Containers, dividers, hangers If you prefer all natural cleaning products, Seventh Generation Natural All Purpose Cleaner is great.

The products I mention here are all fantastic products and tried by me. Obviously, I haven’t tried all the products on the market, but I did compare most of them, and the ones I mention are my top picks.

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GOAL:

D’clutter, clean, and organize — in that order.

1

Before you begin with anything else, strip the beds of linen and wash them in the machine.

Also remove the bedding; either airing out or washing it in the process. Remove your curtains, and have them join the line of items to washed.

Keep those machines going, and by the time the room is finished, so will all the washing!

2 THEN WE CAN START WITH THE CLOSET AND DRAWERS. a. Empty your closet. Everything! Otherwise the closet can drag on for days…

(Lay a plastic tablecloth over your bed if the linen is stripped.) b. SORT: Grab two garbage bags. Throw out damaged clothing in one. Just do it.

Old clothing that hasn’t been worn in a while should go in the other garbage bag to be donated. Don’t spend too much time agonizing over what to keep or throw out. If you have to think for more than ten seconds about a certain sweater, then give it away. c. Designate a place for everything: • Clothing should be hung with everything facing one direction, divided by type of clothing. I like the following order: long robes, dresses, then blazers, shirts, bulky sweatshirts, tops that need hanging, and lastly, skirts.

Use your judgment, or email me for questions. sarastyle2020@gmail. com.

• Coats and rain jackets belong in your coat closet.

• Seasonal items that you won’t be using any time in the next while belong in storage.

• Delicate sweaters, shells, and thin tops should be folded, sorted according to style, color or type.

• Shoes: Since shoes are my weakness, it’s hard for me to preach about having too many! But everything has to have a place, and my absolute rule is: if one thing comes in, another goes out. There are great storage solutions for shoes, depending on your closet. There are so many shoe racks out there! Choose what fits best within your budget and space. They range from $8.50 to $150. Of course, custom made and anything a little unique will be more.

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/ T HE MONS E Y V IE W

Here are some options: • Origami Hanging Organizer - Container Store $39.99 • 3-Tier Mesh Shoe Rack - Home Depot - $29.99 • 36-Pair Over Door Shoe Rack Houzz.com - $23.27 • If you have drawers: Get dividers for your hosiery, turbans and snoods etc.

• If you have shelves: Get bins, and neatly fold your hosiery and headcovering in separate bins for easy access.

• Handbags go on the top shelf of the closet. The one you use on a daily basis should be at eye level. Wipe handbags with a damp cloth, and shake them out. All the loose change you find can be quite handy for your tzedakah pushkah, and put away the bills for an outing with your friends.

Hey! Not now. Finish your room first!

• Belts and Scarves: There are quite a few hanger options designed for belts and scarves. Do not fold belts, as their shape will be ruined.

Scarves can be folded, although hanging is a better option. Hooks are great as well.

3

4

NOW ON TO...THE HEAVY WORK...CEILING AND WALLS!

• Dust your ceilings, working your way down. Don’t forget the corners!

• Depending on what light fixture you have, you may want to take it down, or just wash with a gentle cleanser. Make sure it is completely dry before you put it back.

• Wall art: Never spray directly on the frame. Rather, wipe down with a damp rag.

• Dust blinds with a damp cloth, not wet.

• Wash windows and window sills.

• Your curtains should be out of the machine by now: Hang them up.

5

BY THE TIME YOU’VE MADE IT TO THE FLOOR, IT’S WORTH IT TO STICK IT OUT JUST A BIT MORE!

FURNITURE • Turn over mattresses for even wear. Clean bed frame. Move beds. Clean under bed.

• Dust and polish the dresser, drawers, nightstand, and lamps.

We organize your home to perfection.

• Sweep, dust, and mop hardwood floors. Spot treat for mildly soiled carpets — try Resolve Triple-Oxi Advanced.

• If you have a garbage can in your bedroom, get rid of it!

Ahhhh!

Now that your room is sparkling clean, make yourself a smoothie: 1 cup frozen strawberries (bug-free ones, of course!), 1 cup vanilla yogurt, a half cup of milk, and 1/2 cup crushed ice. Sit down and read The Monsey View. No, not this page.

You’re done here!

COMING UP: CHILDREN’S ROOMS Catch you next week, Sara Sara Goldstein is a professional Organizer serving Upstate, Brooklyn and Beyond.

WANT TO SEE YOUR BEDROOM SPARKLE AND CHOMETZ-FREE? Stay in beat with The Monsey View and get a free treat! Completely finish your master bedroom by Monday, February 22nd and get a free treat at Sweet Expressions!

Call 845-600-8484, option 5 on Monday, February 22 between 7:00-10:00pm, and leave a voicemail informing us that your master bedroom is ready for Pesach. Include your name, address, and phone number.

Information on claiming your treat will appear in Issue #39 of The Monsey View. Happy Cleaning!

By: Ruchy Reese The countdown is on! With only 57 days until Pesach, it’s not surprising if you experience the occasional bout of CIHBP (Chometz Induced High Blood Pressure.)

When you feel you those numbers creeping up, it’s time to sit back with The Monsey View and read about cleaning instead of actually doing it!

CLEANING A SPICK-AND-SPAN HISTORY

• The history of household cleaning product starts with plain ol’ water to wash everything down, that is, IF someone saw the need to wash. Many civilizations weren’t overly concerned with any form of cleanliness. Over time, however, soaps were introduced into daily life for home sanitation, later followed by household cleaning supplies as we know them today, like Lysol, Mr. Clean, Windex, and bleach — only being invented well into the 1900s. Lysol was originally invented to cure a medical condition, but was actually proven to be a dangerous substance that caused medical conditions when used as prescribed, and thus was relegated to the cleaning closet. Mr. Clean was created as a substitute for the highly caustic chemicals used to deep-clean ships (which often left workers disabled) and soon become the best-selling household cleaner.

• In times gone-by, carpet cleaning was a mystery solved by the friendly little carpet rod (that gave a not-so-friendly ache to the arms of the one doing the beating!). The following quote is taken from an 1827 carpet-cleaning guide: To Restore Carpets to their First Bloom.

Beat your carpets with your carpet rods until perfectly clean from dust - then if there be any ink spots, take them out with a lemon, observing to rinse with clean water; then take a hot loaf of white bread, split down the centre, having the top and bottom crust one on each half; with this rub your carpet extremely well over, then hang it out on or across a line with the right side out; should the night be fine, leave it out all night, and if the weather be clear, leave it out for two or three such nights, then sweep it with a clean corn broom, and it will look as when first new.”

Somehow, I don’t think this method will work for Pesach cleaning...

•

Many moons ago, clean clothing was obtained either by dumping all items to be washed into a bucket and securely fastening said bucket into a flowing river, and letting the water wash over the clothing, leaving it clean; or alternatively, by using good ol’ elbow grease to get the gunk out. Cauldrons full of water would be heated and the clothing inserted into the boiling water along with a bar of soap (usually made from a combination of animal fat and ashes) to loosen the grunge. The clothing would then be agitated by mixing tools or scrubbed on a washboard to get the remaining dirt out.

(Rinsing away the soap was a whole ‘nother parsha!)

• “Hitzati mitusi” takes on a whole new meaning when you look at bed-changing through the lens of history. Freshening up your bed was a tedious process that involved emptying your “tick” (a duvet-like bag) of whatever

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/ T HE MONS E Y V IE W

FAST FACTS

bedding material you used, be it straw, leaves, or grass, and then scrubbing your tick clean.

Then you’d have to fill it once again — this time with fresh stuffing. If that wasn’t enough to tire you out, the tick still had to be sewn closed before you could go to sleep!

• There’s one type of cleaning you’ll be really happy to avoid, and that’s scraping the soot out of your chimney. Way back when, fireplace chimneys needed to be regularly maintained by scraping off the layers of soot that developed on the chimney walls. It was a dangerous job that often resulted in fatal falls and respiratory ailments.

Although your heating and cooking system may need maintenance, it’s nothing compared to scrubbing out a chimney by hand!

• If cleaning isn’t your cup of tea, just keep in mind that by doing your Pesach preparations, you are actually getting a good workout! An hour of cleaning burns roughly 100 calories.

• The average woman worldwide (not necessarily factoring in the chometzchasing type) spends 12,896 hours of her lifetime cleaning, while men on average, spend but 6,448 hours.

• Make sure to polish your sinks well on a regular basis! Research shows that there are even more germs in a kitchen sink than in that other (rather unmentionable) room in the house…

• Desperately seeking to bade good riddance to those yucky germs? Make sure that your antibacterial spray remains on the surface you seek to sanitize for a bare minimum of 30 seconds.

• Speaking of disinfecting, if you take the time to disinfect your desk regularly, you can reduce the risk of a having to take a sick day by up to 30%... then again, maybe a day off doesn’t sound that bad…

• In the middle of all this cleaning, try to make sure that you get outdoors for a little fresh air. In addition to the mental benefits you’ll reap, you’ll be happy to know that you are (temporarily at least) getting away from those little buggers.

Afterall, the air of an enclosed space can contain up to 500% more germs than outdoor air.

• While you scrub away all those bits of chometz, be thankful for this oncea-year cleaning bonanza: before the 1800s, the average life expectancy was well under the age of 40, due to the generally low standard of cleanliness, and high level of uncontrolled germs.

“Making Pesach” naturally results in the added benefit of a cleaner, healthier way of living.

Now that we see how thankful we should be for the relatively easy cleaning methods that we use today, it’s time to get back to work!

T H E M O N SE Y V I E W /

87

Learn to Draw

LEARN TO DRAW WITH FAIGY ROTHMAN

STEP 1

STEP 4

STEP 2

STEP 3

STEP 5

STEP 6

INSTRUCTIONS: 1. Draw one of the art ideas from this column. *Submissions should be drawn on a standard 8.5” by 11” paper.

2. Color it, using pastel, crayon, paint, marker or even colored pencil.

3. Clearly label your submission with your name, age, and school/cheder. *Please write your name and age on the art page, not on a separate paper.

4. Mail your master-piece to Faigy Rothman at 8 Gwen Lane, Monsey, NY 10952

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/ THE MONS E Y V IE W

*Art submissions become the property of The Monsey View and will not be returned.

By: Yitty Lichtenstein

THE COMPOTE CHRONICLES “I’m really full by now,” my husband smiled apologetically.

“I think I’ll skip the compote for tonight.” I retreated back to the kitchen slowly, holding my deflated hopes in the untouched plate of compote. * * * * * It all started when I got married and attended the very first meal at my in-laws. The tingling in my toes kept creeping upward as we entered the brightly lit dining room. Crisp linen napkins starched to perfection were

chalantly, causing me to nearly choke on the many seltzer bubbles dancing in my mouth. “Anyone in the mood of compote?”

All around the table, heads were shaking from right to left.

I saw my reflection in the glass china closet door. Two perfectly arched eyebrows. My head bobbed, up, down, up, down.

What a question! Of course I wanted compote.

The only sound disrupting our quiet trek home, other than our footsteps echoing on the hard pavement, were the seagulls hovering above Suzanne Lake.

In their white winter coats, they sailed majestically over the icy body of water while my thoughts sailed to next week’s Shabbos table. Perhaps my mother-inlaw would ask, “Anyone in the mood of fish or cholent?” I felt that familiar tingling in my toes inching its way up again.

All around the table, heads were shaking from right to left.

My head bobbed, up, down, up, down. What a question! neatly inserted into metallic napkin rings. Steaming plates were served and emptied.

“So far so good,” I mused. “This place really feels like home.” It seemed there were no major surprises in store, other than my ten-year-old brother-in-law comfortably perched on his Tatty’s lap for the duration of the Shabbos meal. The soup plates were swiftly cleared by fastmoving, helpful hands. Following the tasty chicken platter, was apple strudel on square white china dishes, which was quickly devoured.

And then, my mother-inlaw announced it so very non-

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* * * * * SHABBOS MORNING. I observed my new husband sitting at my parents’ table from the corner of my eye. All was going well, until little brother politely placed Mommy’s fantastic compote before his new brother-inlaw. The compote cup waited in its place patiently. My father fingered his bencher, staring at my

The look on my husband’s face was one of utter relief. Saved from the depths of the compote. husband’s untouched compote. I fidgeted in my seat, willing myself to be anywhere but here.

“Eat Chaim, eat.” My father gently prodded his new son-in-law.

“Believe me, the Shvigger’s compote is well worth tasting and,” he paused for added emphasis, “compote is an essential part of our Shabbos meal.” At that very moment, my little sister scrambled onto my husband’s lap, oblivious to my mother’s disapproving expression. She dug straight into his compote and smacked her little lips in sheer delight. The look on my husband’s face was one of utter relief. Saved from the depths of the compote. * * * * * FRIDAY 4:30 P.M. The shrill erev Shabbos bell sounded, announcing the arrival of Shabbos in a mere fifteen minutes. My floral bandana slightly askew, I raced through the house hiding muktzeh objects and taping the light switches. It had been a day of heavy cleaning, and lots of cooking. Ahhh… I stretched my legs on the leather sofa as I ushered in our first Shabbos at home.

My husband’s voice was loud

and strong as he sang the zemiros. I contemplated between using my small china bowls or crystal cups for my pureed pear compote. Its perfect lavender coloring and smooth consistency was bound to be a winner. I popped a deep maroon cherry on top. Pretty! My husband lifted his spoon reluctantly and dripped a bit into his mouth. He was working hard on forming a slight smile. “Delicious!” he proclaimed grandly. I agreed wholeheartedly as I finished my compote to the last bit. I lifted my head satisfied. My face fell. The cup at my right was completely full, minus the one teaspoon my husband had tasted.

After four failed attempts with four different recipes, I succumbed. Our Shabbos meal would always finish off with

cholent, spicy and heavy. * * * * * FRIDAY NIGHT. Our finest china and sparkling flatware were delicately displayed on the lace tablecloth. I reveled in my zeese yingelech’s voices in song, as I rocked my young daughter to sleep. The tangy scent of fruity tea and apples tickled my nostrils. Although I had quit any compote making attempts many years ago, the Tea Enhanced Applesauce recipe by Draizy Wercberger in The Monsey View got me to buy a large bag full of Cortland apples once again. I dared to fool myself into believing that this time my compote would

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And then, five year-old Moishy was at my side, astonishment dancing in his hazel eyes.

“Tatty asked for a refill, please.”

He extended an empty compote plate. My eyes sparkled.

Thanks to D. Wercberger, my Shabbos meal is finally complete!

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DO TRY THIS AT HOME CHEFS-IN-TRAINING

CHOCOLATE DIPPED PRETZEL RODS Now that the month of Adar has arrived (even if it is Adar I), I’m sure Purim and mishloach manos ideas are starting to percolate in your mind. These pretzel rods are easy to make and

can be done in any color you prefer. There are many ways to wrap and present the pretzel sticks either for mishloach manos or even as a centerpiece for the Purim table.

EXCURSIONS JR. WITH CRAFT IT

LET’S GET CRAFTY

ACTIVITIES TO FOREVER OBLITERATE THE COMMON KVETCH

MOMMY, I’M BORED! 96

Created and Photographed by: S.Y. Einhorn

INGREDIENTS: • Pretzel rods • Colored baking chocolate • Assorted decorative sprinkles

Melt chocolate in the microwave for one minute, and then take it out and mix. Return it to the microwave for ten seconds at a time. Mix every ten seconds, until the chocolate is completely liquid. (If you do not have a microwave to use, you can melt it in a double boiler)

Pour the melted chocolate into a cup so that it will be high enough to coat the pretzel well.

Dip a pretzel rod into the melted chocolate.

Place the pretzel rod on a cookie sheet lined with baking paper.

Let the extra chocolate drip back into the cup.

Freeze for five minutes to make sure the chocolate hardens properly.

Pour decorative sprinkles over the chocolate.

(You may need to stick some on piece by piece if they fall off.)

DISPLAY #1 1.

Using a square plate, line up the pretzel rods and put into a cellophane bag.

2. Fold over the end of the bag and tape it to the bottom.

3. Tie a bow around the plate with an organza ribbon.

T H E M O N SE Y V I E W /

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98

DISPLAY #2

DISPLAY #3

Use a glass or jar to showcase the pretzel rods.

1. Put three pretzel rods in a narrow, long cellophane bag.

2. Fold over and tape down the opening of the bag.

3. Take a decorative paper and trace the width of the bag.

Make it about 4 inches long and cut it out.

4. Fold the 4-inch paper in half and make two hole punches in the center.

5. Staple the paper to the top of the closed bag of pretzels.

6. Put a ribbon through the hole punches and tie a bow.

/ THE MONS E Y V IE W

Hershele Rosenberger Lizensk - Age 5

Chava Breiny Spira Skver - Age 7

Dini Grunfeld Bais Rochel - Age 10

Avrohom Shia Heshel Rosenblum - Skver - Age 6

T. Berger Skver - Age 10

Aviva Berkowitz Ateres Bais Yaakov - Age 13

Avrromi Kaufman Cheder of Fallsburg - Age 8

Esty Goldklang Age 7

Yosef Yuda Ekstein Satmar - Age 10

Chavy Zeigerman Viznitz - Age 6

Moshe Tychuk Bais Mikroh - Age 4

Rivky Frank Bais Trany - Age 11

Sori Weiss Age 12

Trany Frieder Avir Yaakov - Age 9

Chaya Sora Nussbaum Bais Shifra Miriam - Age 12

Yakov Tychuk Bais Mikroh - Age 6

Yishai Ekstein Satmar - Age 6

Charnie W Bais Malk

Rivky Fr Satmar -

Rachy K Bais Malk

Gitty Mezei Satmar - Age 11

Pinchos Rosenblum Skver - Age 7

Zissy Fisch Bobov - Age 7

Toby Hass Viznitz -A ge 6

Wasserman ka - Age 11

Chayala Roth Bais Malka - Age 7

Devoiry Deutscher Bais Malka - Age 8

Chana Rivka Glauber Satmar - Age 7

Hindy Gordon Skver - Age 9

Chana Malka Bais Chinuch Hayashan - Age 8

Rivky Herzog Ateres Bonos - Age 5

Leah Salamon Satmar - Age 6

riedman - Age 10

Pearl Nechy Deutsch Bais Trany - Age 10

Libby Ryba Bobov - Age 10

Chany Greenfeld Viznitz - Age 12

Kornbluh ka - Age 11

Yitzchok Feldman Vien - Age 13

C.R. Herzog Aterest Bonos - Age 9

Hirsch Satmar - Age 7

Fun Page

R Y X

B

L L

R M

T A

O N

U O I

V N J

“ No adding “s” at the end of a word. “ No proper nouns, abbreviations, or acronyms “ No bouncing back to letters already used in a specific word “ Words may not be found with a computer boggle solver “ All words must appear in the Merriam-Webster Table Dictionary. *The Monsey View carefully reviews all submissions. Word lists that have more than two incorrect words are disqualified. *Points submitted without a word list will be disregarded.

A

H

PLAYING RULES:

Y

Write your 4-letter, 5-letter, 6-letter etc. words in alphabetical order, in separate columns. Fax or email your word list, together with your total points by Sunday, 8:00 PM for a chance to win!

Include your name, phone number, and address.

S

DIRECTIONS:

F O

G

Sponsored by:

“ 4 letter words 2 points “ 5 letter words 3 points “ 6 letter words 5 points “ 7 letter words 7 points “ 8 letter words 9 points “ 9 or more 12 points

Due to the many “word doubles” we screen each week, we will from here on only be accepting alphabetized word lists.

The Monsey View does not take responsibility for faxes that don’t come through.

Winners: S. Friedman xxx-2890 369 points

Supper on us! A pizza pie, fries, and ice cream delivered to your door.

Runner Ups: TOP 5 Tauber - xxx-8441 - 360 points Podrigal - xxx-5918 - 354 points Chany Israel - xxx-0751 - 354 points Breuer Family - xxx1934 - 348 points Deutscher - xxx-0836 - 348 points Pick up your free slice and ice cream at Chai Pizza

Prize must be claimed within six weeks. Please have the issue number where your name appears handy.

All submissions are checked against the Merriam-Webster 11th Edition paper/table dictionary. (pictured) Words found in the electronic or online dictionary – which are not in the table dictionary – will not be credited. Due to the high volume of submissions that we look through, a word list with more than two ineligible words will be disqualified.

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/ THE MONS E Y V IE W

4

Letter Words aery aide airy arid cyst dare date dire dive draw drew dray

5

Letter Words aerie dairy diary direr

6 7 8

Letter Words aerier

Letter Words

Letter Words

Winner’s list ergo gird goad goat grid help hide hive hire hype jive levy ogre pray prey prig

pyre raid rate read rest ride rive sear seat sera star stay stew tare tear twig

vide vied wade wadi ward ware warp wary wear west wide wire wiry woad yard year

drier drive eyrie eyrir hider hired hoard hoary irate

prate pride pried radio rider serve staid stair stare

stead teary wader water weary wider wired

airier cervix derive divest drivel girder

levied raider rawest reader redraw rewire

schlep starve warder warier watery wirier

hoarder hoarier prairie

steward tardier wearied

wearier

hysteria

steadier

Helping yo

u help

Clothing & Shoes, in ANY condition!

Please note that inappropriate words are obviously omitted from the list.

Are you wondering why your name is not here or why your points were reduced?

Perhaps you: 1. Did not add up your points correctly and we had to adjust your total accordingly.

2. Had from the following ineligible words: aider, airest, dater, dryest, eary, go at, hirer, hoarest, ired, rewest, redate, seta, tera, tech (abbreviation), tyer, Virgo (proper), warest, wirest

201.477.8775

Fun Page

Advanced

Intermediate 8 5

8

3 4

7 6

6

9 8

1 4

7 8

6 1

2

4

9

5 3 1

iSpy

8 5

9 4

1 3 5 6 7

3 1 7 2 4

8 1 2 9 7 3 5 1 4 6 8 9

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

How well do you know our town?

in Our Town

Last week’s picture is in front of Pita Land.

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/ T HE MO NS E Y V IE W

31 Commerce St. Spring Valley NY Near Beckerle Lumber

914-712-8473

Ramapo Tires

Get 4 new winter tires and storage your old ones 50% off ‫גדלי' וויינבערגער‬

Still don’t see your picture in print? Don’t worry! Due to the overwhelming amount of submissions we received, it may take a while until you see yours in print.

You can still send your magnet creation to comments@ themonseyview.com

Akiva and Rus Tehilla Rosenblum. Ages 3&5

Ezriel & Dovid Katzburg

7 year old boy built a nice palace

Ahron Burech Halberstam

Avraham & Yehuda Goldbrenner Ages 6 & 3

Avrumy Lebovits

Bamberger

Binyomin Itzkowitz

Chaim Roth age 7 and Yanky Roth age 5

Chavi Liebster

Chesky Rose, Age 3 Empire State Building with Airplane.

Avraham Goldbrenner Age 6

Family Ganz

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/ T HE MO NS E Y V IE W

Yossi Rosner, Age 4, Magnatile castle

Family Fisher

Dovid Katzburg

Dovid green age 7

Goldberger

Hadassa Rosenblum Age 7

Herman Family

Yossi Rosenbaum & Ari Weiser

A Zoo by the Lowy Family

Ari wertzberger

Avrohom Menachem Reiser

Avruma’le and Ari Gluck

Binyomin & Shloimy Mandel age 11 & 3yrs

Dassy Klein

Diny Laufer & Devory Gross 6 1/2 yrs old

Esty Adler’s Mansion

Rivkah Davis, Age 3 3/4

Volvi Rosenberg & Elimelech Klein

Yeedle Schonfeld

The Rosenbergs

Ruchele Friedman age 3

Rivkah Davis, age 3 1/2

Rivkah Davis, age 3 1/2

Devorie, 8 1/2 and Sara’la, 7 Gottesman, Bais Rochel

T H E M O N SE Y VIE W /

107

Shloimy Sefer Torah!

Dini Grunfeld, Bais Rochel, Age 10

Mayer Zev Fishman

Mayer Zev Fishman

Tea Time at the Liebsters

‫ יאר‬4.5 ‫דאלי באטל לאהלע ראטטענבערג‬

Yossi & Shloimy Breuer -skver-

Brocha Gella Grunwald

108 / T HE MO NS E Y V IE W

Bridge made by Yanky, Rivky, and Gitty Schwartz

Yanky Rosenbaum 10 years

Duvidel Malik

Naftuli and Ari Eger

TALENT SHOW

Where Every Entry Is a Winner

Hey kids! Here’s your chance to show off what you made! Did you have fun in the snow or the fall leaves? Did you construct something special with Magna Tiles or other building toys? Or did you do one of our “Mommy, I’m Bored” activities or crafts? We’d love to show everyone how creative Monsey kids are! Please email or mail your picture to The Monsey View.

‫‪845.356.1110‬‬ ‫בהשגחת רבני‬ ‫וועד הכשרות‬ ‫שע"י קהילת‬

‫באיאן ‪ -‬באבוב‬ ‫ראחמיסטריווקא‬

‫חידוש‬ ‫בעולם‬ ‫הכשרות!‬

‫קהלה עופות ווי די רבני הקהלות‬ ‫זענען פערזעליך ביי יעדע שחיטה‬

‫‪TeitelCreative.com‬‬

‫מיר דעליווערן אין מאנסי יעדן טאג‬

‫פון מאנטאג ביז דאנערשטאג‬

‫רופט אריין אייער ארדער פאר צוועלף אזייגער‬ ‫און איר באקומט עס נאך דעם זעלבן טאג!‬

‫‪917.562.7374‬‬

‫‪Text‬‬

‫‪845.356.1004‬‬

‫‪Fax‬‬

‫‪845.356.1110‬‬

‫‪Phone‬‬

Real Estate

Credit Derogatory

by Ann Zeilingold Everybody knows that credit is a key component of the mortgage approval process. Most people misguidedly think that the only important factor is the credit score! It is a fact that the credit score can determine your interest rate. It is a fact that most mortgage programs have minimum credit scores. It is also a fact that while the score is important, it is more important to review each line of the credit report, because there are some credit catastrophes that require a waiting period before one can get a new mortgage. Here are some examples: • Looking at Mary and Edward’s credit report, I saw that their scores were over 700, but unfortunately they had a Chapter 13 Bankruptcy that was discharged in October 2015; they cannot get a mortgage loan until November 2016.

• Baila and Chaim have three late payments on a mortgage loan that they cosigned for a friend. Their score is 705, but they cannot get a loan until they have two or less 30-day late payments in the last 12 months.

• I met with Sam and Yonina and learned that they had a short sale two years ago. They cannot get a mortgage on their current home, a condo that they are paying 5.75%.

Their rate is 699.

• I originated a mortgage loan for Yossi and Bassie, with Bassie’s parents as cosigners. On the parents’ report was a paid collection, stating “Settled less than full balance” underneath the

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/ T HE MO NS E Y V IE W

There are some credit catastrophes that require a waiting period before one can get a new mortgage.

posting. It stated that it was “revolving”, but the rating was M5. Revolving usually means a credit card, while the “M” rating is designated for mortgage. We actually got the online automated underwriting approval, but under “Credit”, it said that we should determine if it was in fact a mortgage loan. It turns out that it was a “Settled Home Equity Line Of Credit.”

The parents were partners in a rental property, and the managing partner had asked them to sign documents to lower the payment, in addition to providing some documents. They actually thought that they were refinancing. It turns out that the partner arranged for a settled loan which means that they paid it off in full for less than what was owed. When one has a settled debt, it is treated the same as a short sale and the waiting period for this specific loan is four years.

The four years is almost up, so we only had to delay the closing for a few months.

The following are some of t h e

Let’s do tablecloths easy. elegant. classy.

• • • • • • •

Bankruptcy Foreclosure Shortsale Settled mortgages Modifications Mortgage late payments Judgments that one is not planning to settle or pay off, but that has a payment plan

The primary reason why people incur one of the above credit catastrophes is that circumstances sometimes spiral out of control, usually due to an illness, loss of income, increased expenses, business partnerships, divorces and even death, etc... But even if the circumstances are beyond control, investigate and learn, what

are the long reaching ramification of your credit being affected in this negative way? Not just from a mortgage perspective, but from an overall life-perspective i.e. possible higher costs of insurance, possibly not being able to get certain jobs in certain fields, possibly not being able to obtain new credit cards, or facing the possibility of a garnishment of salary or your bank account.

Credit derogatory should not be taken lightly. The silver lining in this tale of gloom is that credit derogatories have a time limit. I see lots of people who are finally able to repair their credit and their lives as time passes.

cloth & décor rental

Accent Design MG / 732.813.1550

derogatory credit items that have specific waiting periods, irrespective of credit score, that an applicant has to wait for prior to obtaining and sometimes even applying for a new loan:

Zissy Goldman

347.782.9121 Ann Zeilingold, NMLS # 41850 is the Vice President and Branch Manager of FM Home Loans in Pomona, NY. FM Home Loans 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.

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

Ann Zeilingold Vice President

FM Home Loans 1609 Route 202 Pomona, NY 10970

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

T H E M O N SE Y VI E W /

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nappeandcloe@gmail.com

DELIVERY AVAILABLE

now servicing the NY & NJ tristate area

THE WORLD REALTY GROUP World Class Service ~ World Class Results LICENSED REAL ESTATE BROKERS New York | New Jersey | Connecticut | Pennsylvania Irving Rohinsky

Chaim Cillo

CELL: (203) 641-0373

CELL: (917) 817-9146

NEW LISTING!!

59 West Maple Ave. Amazing opportunity in great location! 4 Br/ 3 bath over 2,800 SF. Home has a separate apartment/office with 3 Brs/offices and bath with 2 private entrances. Zoned R-15A. New furnace and hot water tank, Anderson windows throughout. Asking Only $724,900!!

4 Arrowhead Ln.

99A W. Maple Ave.

6 Dalewood Dr.

6 BR / 4 BA 5,200 SF set on private 1.27 Acres of parklike land, Pr iv. Inground Pool, Huge walk out lower level, possible subdivision opportunity, excellent central location.

Please Call For Price

4 Br /3 Bath, park like 1/2 acre property, finished walkout lower level w/ 1/2 bath, lrg deck off kitchen, home office w/ priv. entrance, quiet cul-de-sac! Only 3 min walk to Olympia Ln. & LOW TAXES!!

Only $549K!!

place, 2 car att. gar ONLY $439K!!

ALL!!

Charming 5 br. 3 bath colonial is unassumingly L-A-R-G-E!!

Set on a beautiful and quiet cul -de-sac, it boasts a large newer EIK w/ granite & cherry cabinets, formal DR w/ wainscoting, LR w/ wood burning FP & large family room w/ double sliders to back deck overlooking amazing and private inground pool with diving board!

536 Rt. 306 – Wesley Hills 55 College Rd. Private bonus/guest room off family room home truly round 3 BR / 2 Bath home in move in con- 3,000 SF, 4 Br. / 2 Bath Center Hall out this great home. dition, set on 1.57 private acres, w/ Colonial, granite gourmet kitchen, ONLY $599K!! sparking in-ground pool, stone fire- prof. grade SS on 1/2 acre lot. Walk to Asking Only $799K!!

Thinking of buying or selling? Who you work with MATTERS. The World Realty Group has likely LISTED or SOLD a property near you!

Please call us today for a FREE consultation and market analysis!

(845) 605-TWRG

(8974)

FOR SALE FOR RENT

THE

For Sale CUSTOM BUILT CONDO ON CALVERT ready to move in, 5 bedrooms, beautiful custom kitchen with granite countertops, separate Pesach kitchen, Call: 845-6414208

JOBS

CALVERT DR. Luxurious townhouse ready to move in, 4 luxury bedrooms, Ready Income,Plus full basement, legal for bedrooms, playroom, guest room, etc. Call: 845-6414208

MISC.

GEMACHIM

SERVICES

CAR FOR SALE

LOST & FOUND

for sale Lenox butterfly set of dinnerware plus party plates and all purpose bowls for lowest price ever 845-426-1249

COCOBLISS THE ORIGINAL FINE BELGIAN PRALINE And other fine chocolates.

Candy Wrapper(845) 445-8288/ (845)362-0283

REFRIGERATOR Looking to purchase a used refrigerator in good condition.

Please call 845-371-7079

COLORED PRINTER

Chevy Impala 2012 has extended warranty 82000 miles asking $8000 call (845) 274-8731

High Quality Canon Photo printer, paper and ink included.

Original Price $375, selling for $225. 274-4940

CAR FOR SALE

FOR SALE.

A 2006 Dodge Grand Caravan for sale with 88K miles for only $3900. Please call 845-213-7402

2- 39” Rex beds (memory foam) in excellent condition. Please call 845-499-7381

CAR FOR SALE

PRINTER FOR SALE

2006 Ford Taurus, 4 door sedan, Leather seats, Sun roof, Good running condition, Needs Battery.$775.00 negotiable, Call 845-425-1845,or 845-641-7241

Brand new Canon Pro-100 printer for sale including photo paper. (not in box) $100. Call or text 845-587-0286.

FURNITURE FOR SALE

CASIO FOR SALE. Contact: 845-425-1781 or 845200-1826

Beautiful dark mahogany master bedroom set. Also six door seforim shank/ china closet for sale. Both are six yrs old and in great condition . 213-0978

available in many styles. Please call: M. Berger 845-782-4560.

FURNITURE

FOR SALE:

2 48’ Taupe/Gray suede Drexel headboards with mattress and box spring for sale. brand new condition.(used less than 2 weeks)845-426-2925

Nikon d5500 - new for 750 dollars! retail is 1000

JEWELRY FOR SALE

114

LENOX DISHES SET

BIRKENSTOCK SLIPPERS

BEAUTIFUL BRAND NEW OZ VEHADAR CHASSAN SHAS

Beautiful expensive kallah jewelry for sale hardly used .

Bracelet , Earrings ,Watch , please call & leave message clearly 845746-6012

Talmud Bavli, is a real masterpiece! Bound to last with a strong special designed cover, and printed with new clear letters. 14” high. Retail $1000 asking $750 845-356-3487

CHANDO

WIG FOR SALE!

Upscale elegant and appreciated for yourself or as a gift. Now 25% off 845-445-8288

Human hair short style barely used medium brown excellent price call/text 845- 538-3091

/ T HE MONS E Y V IE W

CANON PHOTO PRINTER FOR SALE Brand new Canon Photo Printer for sale with ink and photo paper for best offer. Please call 845-578-5750

RABBI PAYSACH KROHN LECTURE CD’SDiscounted prices!! New topics!

To order or for more info call/ text 443-915-5507 or email rabbikrohnmonsey@gmail.com.

Free delivery with minimum purchase.

BEDROOM SET Includes 2 headboards (full), 2 mattresses, Big armoire with mirror in the middle, Night table 845.641.0857

BEDROOM SET FOR SALE 2 headboards(full), Night table, Dresser with mirror, Armoire.

Excellent condition. Please call 371-1855

CHINA CLOSET FOR SALE Beautiful Mahogany 6 door China closet + a set of couches (1-2-3) 845.641.0857

FURNITURE FOR SALE Loads of furniture & appliances for sale for great prices. Don’t miss out 845.641.0857

COMPRESSION HOSIERY Delivered 2 U. Medi, Sigvaris, Venotrain, etc... 845-290-0650

CAR SEAT Graco infant carseat with base for sale-$10. Call 425-9210 leave msg if no answer.

STROLLER Great condition 2013 UPPAbaby Vista stroller with bassinet, black frame, including plastic & nets. $400. 845-499-1453.

NEW STROLLER Mamas & Papas Urbo2 (2014) carriage for sale. Brand new; still wrapped in box! Luxury stroller with many convenient features. Fantastic opportunity! $450 (in stores $649) Call/text 845.548.2685

THECL A SSIFIEDS

BUGABOO

FOR SALE

AIRMONT

Black bugaboo cameleon for sale $275. 425-1937

Vacuum Cleaner. Folding booster seat. Baby floor mat. Please call (845) 445-9234

Brand new 3 bedroom apt in airmont for rent walk in level brand new renovated with 2 bath $1800 Please call 718-757-2290 or send a text

2004 FORD TAURUS STATION WAGON Runs well, needs some work. $950 OBO. Please call 845 425 1057

MASTER BEDROOM Master bedroom set available for sale; includes: dresser, armoire, night table, mirror and two headboards. Excellent condition @ $2500. Call 914.413.7907

TWIN CARRIAGE FOR SALE Front/back, large air wheels, comfortable seats. Moves easily into stores. $100. 845 352 4015

DINING ROOM SET 8’ table, 4 chairs and China closet for sale. Very pretty detail, good condition, $2000. Call 914.413.7907

MASTER BEDROOM SET Available for sale; includes: dresser, armoire, night table, mirror and two headboards.

Excellent condition @ $2500. Call 914.413.7907

DINETTE TABLE Beautiful rectangular glass dinette table in mint condition.

Desk and desk with hutch. 845352-2874

STERLING SILVER MENORAH

For Rent HOUSE FOR RENT IN OLYMPIA LANE 6 Bedroom Fully furnished 3500.

Monthly Call 845-659-4269 or call or text 718-757-2290

MIAMI BEACH, CARRIAGE CLUB NORTH Beautiful 2 Bedrooms, 2 baths, pool, Ground Floor, Backyard, Available only after Feb. 17, Call: 845-274-3175

CHESTNUT RIDGE Close to shul. Beautiful large property. Bedrooms, kitchen. 2 full br. lr. dr. lndr. Call 848-2243456 leave message. $ 2,150

SHORT TERM RENTALS Beautiful, spacious 3 room furnished apartment(Linen, towels included) in the Maple/Suzanne area. Please call 371-1855

OLYMPIA Furnished house in available for rent 6 bedrooms 3500 please call 718-757-2290 or send a text

HIGH RANCH FOR SALE High ranch for rent in Dexter park. 3 bdms 2 baths. Gorgeous property. $2100 - negotiable. 848224-3456 pls lv msg.

APARTMENT FOR RENT

Beautiful sterling silver menorah (wall style) and Chosson Kiddush cup for sale. 845-425-1075

Beautiful 1 bedroom apartment located on Gwen Lane Call (845) 352-7118

LEATHER SEFORIM

NEW HEMPSTEAD

Leather bound Artscroll Machzor set. Leather bound Tehillim, Haggadah and Siddur(not Artscroll). Call 845-425-1075

5-6 Bedroom Colonial in New Hempstead, cathedral ceilings, hard wood floors, in ground pool, 4 bathrooms, large basement Winter special $2900.00 Call 845-362-7302

VIOLIN FOR SALE Beautiful condition violin for sale. Shoulder rest, stand, electric tuner and case. Standard size.

Call 845-425-1075

RITA AVE. Private room for rent. suitable for use as an office or for a single. pls call 845-538-6071

FURNISHED APARTMENT enjoy a Shabbos vacation in a beautiful furnished apt in the center of monsey (next door to shul/mikvah)

APT. FOR RENT brand new 2 bedroom, in Chestnut Ridge area, close to Ohr V'das, perfect for a young couple Please call 845-274-2379

POMONA AREA beautiful 3 bedroom apartment avail - living room, fire place, and brand new kitchen with new appliances, call 1845- 37R- ENT7

CHESTNUT RIDGE AREA 2 bedroom apartment; brand new kitchen and appliances; available immd; call 1845- 37R- ENT

REMSEN AVENUE 3 room furnished apartment on Remsen Ave. available from Pesach. 845.517.8409

DOVER TERRACE Newly renovated 3 bedroom 2 full bath ground level apartment for rent on Dover Terrace. Call 845-579-5587 and leave message

2 BEDROOM APT. (CHESTNUT RIDGE), 1130 SQ. FT., $1600 + Util.

Access to 3-car garage negotiable.

646-957-6589

‫ רום דירה‬5 ‫ ביטע‬Walter Dr ‫ רום דירה אויף‬5 ‫נייע‬ 356-2747 ‫רופט‬

‫ רום דירה‬3 ‫ רום דירה אויף‬3 ‫אינגאנצען איבערגעמאכטע‬ 356-2747 ‫ ביטע רופט‬Edwin Dr

ROMAN BLVD Fully furnished 4 bedroom apartment available on month to month basis on Roman Blvd., please call 845-425-8657

T H E M O N SE Y VI E W /

115

FOR SALE FOR RENT

THE ELLISH PKWY 4 Bdrm. Apt for Rent Ellish Pkwy. area. Section 8 okay. Tel# 845352-1059

CHESTNUT RIDGE brand new beautiful 2 bedroom apt. in chestnut ridge, birds area, with private entrance Please call 845-274-2379

JOBS

MAIN ST New 4 bedroom spacious apartment with granite kitchen + 2 full baths + laundry room + parking + storage room, section 8 okay . Please call 845-274-2379

LOST & FOUND

MISC.

GEMACHIM

SERVICES

LOOKING TO RENT

116

I'm looking to rent a one room office. I'm Doing kinesiology.

It should have a window and bathroom. Please call 845-4997271

LARGE BASEMENT FOR PLAYGROUP Built special for playgroup avail for rent. Playgroup equipment; tables, chairs, toys, copy machine...also avail for sale.

Please call:213-7425

LOOKING TO RENT POOL

BALL GOWN WEDDING SKIRT FOR RENT Gorgeous, up to date style; Light gray & dark gray floral print. Size 6-8, $85Call/text 845.548.2685

Beautiful sister/mother of the bride gown/dress for sale or rent.

Size 6 color black.Great price.

Please call 845-659-1265

DRESS

KALLAH GOWN FOR SALE

Young macheteniste or sisterof-the bride dress size 4-6 for sale. Hand beaded, iridescent silk organza over silk. Beautiful color! $200 or best offer! 352-4015

Looking to rent/sell very reasonable custom made Kallah gown worn once, size 6-8, alterable. Picture available. Call 845-538-6316

GOWN FOR SALE

MATERNITY DRESS

Beautiful children's and adults gowns for rent/sale in teal blue.

Children's sizes 2-12 adults size 4, 6, 10, 14. Call 845-414-9031

Machetenista black Maternity dress for sale or rent call 845352-9015

CUSTOM CLOTHING top of the line, dresses or gowns please call (845)303-3103

GOWN FOR SALE Stunning light blue and white floral 2 piece gown for sale. Ladies size 6-8. Please call 425-0784

EXQUISITE GOWN FOR RENT Brand new gown for rent. Size 10-12 suitable for teen or young adult (very slenderizing fit) 845-354- 4122

MATERNITY DRESS

2-3 times a week during July for small backyard girls camp in the Cameo/Briarcliff area.Please call 732-364-4562 (lv mssg)

Elegant black sz M maternity dress for rent or sale pls call 347432-6669

OFFICE IN GARNERVILLE

GOLD DRESS

Small office space (700 – 800 SF) in Garnerville available. Private entrance and plenty of parking.

Great location. Call 914-806-5796

One of a kind, custom, gold, 2-piece Sz 14-16 ideal for mature sister of bride/mother of bar mitzva boy.

425-5941, leave message

OFFICE FOR RENT

CLASSY BLACK DRESS

Brand new, 2 Rooms +Kitchenette +full Bath. Private Entrance. 845-538-7861If no answer, leave msg

Classy black lace top sister of bride dress size 14 for rent/sale.

Reasonable Price. 425-1210

Wedding Gowns and Dresses CHILDRENS WEDDING DRESSED ten beautiful lavender children's gowns suitable for spring or summer wedding for sale or rent. very reasonable. sizes 2-10. call 3560369

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LIMITED TIME OFFER

MOTHER OF BRIDE DRESS Magnificent designer young mother-of-bride cocktail length dress sz 6-8 for sale. 426-3347. messages returned

MINK FUR STOLES End of season. Selection of Sizes & Colors. For rent & sale, Bargain prices. Call: 845-425-1845, or 845596-1110

DRESS FOR RENT Elegant black velvet dress for sale or rent size 14 call 845-499-5229

CHIFFON DRESS For rent/sale gorgeous chiffon taupe sister of the bride gown.

Size 4/6. Call 425-8440 lve msg

MOTHER OF THE BRIDE DRESS Beautiful "Finds & Co." young mother of bride dress/gown for rent/sale. Size 8. Call 425-8440 lve Msg

Jobs ASSISTANT TO VOLUNTEER/ PROJECT MANAGER Chesed 24/7’s Hospital Projects needs a capable, organized individual to assist our Volunteer/Project Manager.

9:30-3:00 Mon. – Thurs, Friday 9:3012:00 in the winter. All Erev Yomim Tovim as well Strong computer skills in Word, Excel required and knowledge of other programs beneficial. Yiddish speaking a must.

Wonderful environment doing Chesed while earning a nice salary.

Call: 845-354-3233 x 1121 or email efeder@chesed247.org

JOB OPPORTUNITY E-commerce company is seeking a self motivated individual.

Computer experience a must, Amazon experience a plus. Good pay for the right individual, great potential for growth. Email resume to jobs@pawsdistributors.com

THECL A SSIFIEDS

JOIN OUR TEAM

ENGLISH TEACHER

SECRETARY WANTED

Join our dynamic women's Day Hab program, enabling & enriching the lives of developmental disabled individuals. Hours: 9:00 a.m. 4:00 p.m. M-Th and Friday 9:00 a.m. - 1:30 p.m. Great pay and benefits. Candidate must be motivated, caring, responsible and committed. Driver's license a plus. For more information or to apply Call: 845-354-3233 x 1121

Boys school in Monsey seeking English Teacher. good payseekingteacherny@gmail.com fax:7183055004

Local office is looking for a girl for P/T secretary position. Must know quickbooks and payroll a must.and excellent communication skills, please call 845-665-1708

RESERVATIONS COORDINATOR Frum Company located 20 minutes from Monsey, seeks a full time dependable individual to answer property inquiries; respond to phone and email booking requests; make and confirm reservations; maintain room availability/guest accounts and perform data entry tasks to support the Vacation Rental Team.

One year work experience required.

Must be organized, detail oriented, have excellent verbal/written communication skills and have the ability to multi-task in a fast-paced environment.Resumes to: careers@ ChurchillLiving.com Great Pay! Great Benefits! EEO/AA Employer

BILLING ASSISTANT Frum company located 20 minutes from Monsey, seeks a full time responsible individual to work as an A/R-Billing Assistant in a fast paced company. Must be organized, accurate in bookkeeping and detail oriented.

1 year basic bookkeeping experience required.Resumes to: careers@ChurchillLiving.com Great pay! Great benefits! EEO/ AA Employer

EXECUTIVE ASSISTANT Frum company located 20 minutes from Monsey, seeks a full time responsible individual to work as an Executive Assistant in a fast paced company.

Must be organized, accurate in bookkeeping, have strong communication and project management skills.1 year bookkeeping & 3 years work experience required.Resumes to: careers@ChurchillLiving.com Great pay! Great benefits! EEO/ AA Employer

HELP WANTED A Monsey-based company providing fiscal management services for skilled nursing facilities is aggressively seeking talented people to fill multiple positions. The qualified candidate will possess excellent organizational skills with the ability to meet tight deadlines, a background in bookkeeping or light accounting, and have some customer service experience.

Enjoyment of researching, auditing, and reconciling financial data is a plus. Email resume's to: jobs@ apexhllc.com

TEMP EMPLOYEE AVAILABLE Need to take off from work?

Looking for someone to temporarily fill in for you? Woman experienced in retail sales/ secretarial work. Call Raizy at: 845-517-8385

P/T OR F/T SECRETARIAL POSITION; Office is seeking a part time or full-time female employee. Must be efficient in basic computers, and have good phone skills.Please email to: officein10952@gmail.com

LOOKING TO HIRE Office in Monsey seeking intelligent girl/lady for office position. Duties include handling incoming phone calls, computer work, and customer service. Growth potential. Please email resume openofficeposition9@ gmail.com

SEEKING P/T SECRETARY Busy office seeking P/T MonFri. Must be detail oriented, proficient in Excel and QuickBooks.

Please send resume to: employmentinmonsey@gmail.com

SEEKING SECRETARY Seeking full time secretary in local heimishe insurance office. Immediate hire for right individual. Fax resume to 845425-1959

HELP WANTED Busy wholesale company looking for well organized person to ‎search items online and basic office work Office located in Monsey

AMAZING OPPORTUNITY! Seeking individuals with any Amazon experience, unlimited potentials. Buying-MarketingUS or foreign market. CALL: 347-560-4295 Or email: hiretherightperson@gmail.com

FULL TIME POSITION: Looking for computer literate, detail oriented female with excellent English language skills. Email resume to syl1316@optonline.net

HELP WANTED Wholesale maintenance supply company looking for someone to search images online and do basic office work office located in Monsey please email resume to harry@starcomaintenance.com

SUNDAY EXCERCISE FOR GIRLS Seeking an experienced girl/lady to lead young girls in a weekly exercise session in N COLE area.

Call 425-2773 and leave msg if interested in job or joining.

PROFESSIONALS/ SPECIALTY The Everest Equity Company is looking for f/t mortgage processor. Must be detail oriented, professional, and able to handle a heavy workload. Qualified applicants please fax or email your resume to 845-357-6175 or saram@ everestequity.com

COMMUNICATION SKILL POSITION Well known tzedakah organization has full-time short term positions available for men with yeshiva background.

Excellent communication skills required. 845-426-3130

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FOR SALE FOR RENT

THE VOLUNTEERS NEEDED Bikur Choilim Ohr Sima Mirel is in need of volunteers to take shifts in the hospital during the day or overnight. Please call 845535-9676

HELP NEEDED

SERVICES

JOBS

Bikur Cholim Ohr Sima Mirel is in desperate need of drivers to deliver lunch or supper. Please call 845-535-9676

SALESPERSON WANTED Successful magazine looking for experienced salesperson to build and maintain relationships with new and existing advertisers.

Flexible hours, generous commissions, great opportunity.

917-566-4981

TAX RETURNS Professional service reasonable prices call Y&M Accounting Inc 845-422-2794

ONE MAN BAND

LOST & FOUND

MISC.

GEMACHIM

One man band and singer by Chaim benatar 845 659 0222

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SHALACH MANOS IDEA !

Exquisite Beaded Tablets and Pillows at Off-Store Prices.

Suitable for Kallah, Gift or Your own dining room. Convenient Location: 845-659-3133

PACKER/SHIPPER Well established non-profit organization seeks an efficient full-time packer/shipper for processing and packing orders for short term. Call: 845-426-3160

SALESLADY WANTED A showroom in Monsey is looking to hire a saleslady with great communication skills.

Designer savvy preferred. Basic computer knowledge a must.

Please call 845-445-7951 Fax 845-503-2207 Email sales@ thecloseoutstop.com

YESHIVA LOOKING FOR F/T SECRETARY Job includes: answering phones, data entry, quickbooks, basic office tasks please e-mail resume to: office@baisbinyomin.Org

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SEEKING ENGLISH TEACHER Boys school in Monsey seeking English Teacher. good pay seekingteacherny@gmail.com fax:7183055004

EARN MONEY WHILE MAKING A DIFFERENCE IN PEOPLE’S LIVES!

HELP WANTED Looking for two friends to take out two high functioning girls on Sunday afternoon after 2:30. Drivers license required. If interested please call 503-0219 or email your resume to eeger@ hamaspikrockland.org

MAKE A DIFFERENCE

Seeking Medicaid Service Coordinator, 25-30 hrs. for OPWDD agency. Human services plus 1 year experience with developmentally disabled population or as a case manager with any population Call: 845354-3233 x 1121

Do you believe that you can earn a significant income? Do you believe that the world needs a little more health and wealth in it these days? Do you want to help make a difference? I believe in inspiring people to do the things that inspire them so together we can create health and wealth in the world. But I can’t do this alone! Are you looking at improving your current financial situation? Do you enjoy helping people? If so, I might want to meet you. You may leave me a message and I will IY”H call you back. Mrs. F. Katz 845-570-3565

PART TIME POSITIONS AVAILABLE:

SEEKING CAPABLE YOUNG WOMAN

EARN MONEY WHILE MAKING A DIFFERENCE If you like working with adults with special needs than this job is for you. Chesed 24/7 is looking for male and female workers to work one-on-one with people with developmentally disabilities who live at home in your community. We offer very competitive salary and Flexibility in days and hours! Call: 845-3543233 x 1121

Looking for a worker for a very high-functioning young lady a few times a week for two or three hours. Please call 503-0229.

P/t respite positions available!

Chesed 24/7 is looking female respite workers to work in a group respite program. Sun. 9:30-3:30 Mon. & Wed. 5:00 – 9:00 Pm must drive. Call: 845-354-3233 x 1121

HELP WANTED:

HAMASPIK OF ROCKLAND EARLY INTERVENTION AGENCY IS LOOKING TO HIRE PER DIEM *Physical Therapists *Occupational Therapists *Speech/Feeding Therapists Please contact Mr. Eizikovits Program director 845-5030209 or email Eizikovits@ hamaspikrockland.org

LOOKING FOR AN ASSISTANT IN THE EVENING Looking for a girl/woman who can take a high functioning young lady swimming at Lifeplex.Monday and Wednesday between 7:00-8:30pm and Sunday and Friday between 12:302:00pm for at least 45 minutes. Driver’s license a must. Please call 845-503-0219

BABYSITTING/HOUSE HELP Having a Simcha? Experienced babysitter is available to babysit your child/ren overnight, or for a few hours. Pick-up and drop-off available for an additional feeMrs. Fogel - (845) 426 - 1209. If no answer pls. leave a message.

LOOKING FOR A WARM HOME Looking for a warm loving home for an adorable four year old with developmental delay . Good pay. Please call 579-5442

BABYSITTING Where each child is loved, pampered and devotedly cared for. Flat monthly rate. Steep discounts. Right on Adar Ct. Call 845-570-0933.

MOTHER'S HELPER Looking for mothers helper (preferably leshem mitzve) please call 845-445-8817

THECL A SSIFIEDS

EVENING BABYSITTING We do evening babysitting.

Conveniently located next to Ateres Charna. Please call: 845 362 0283

BABYSITTER Experienced, devoted babysitter available to watch your baby with love in a small group setting.

Located on south rigaud road.

Please call 356 3665

HELP WANTED: Looking for a part-time assistant for a licensed day care, servicing infants and preschoolers. Please call 845-352-1016

ASSISTANT NEEDED Playgroup in Chestnut Ridge is looking for an assistant, please call 845-354-5219

Services SEFORIM BINDING .‫מיר קענען בינדען פאר אייך אייערע ספרים‬ ‫ רופט שוין‬.‫שיין – שטארק – גוטע פרייזען‬ 352-0715

TROUBLE IN SCHOOL? Fun tutor available to help your daughter excel in all english subjects. Reasonably priced. Call: 426- 1209

BUSINESS OWNERS/ ORGANIZATIONS

PROFESSIONAL PHOTOGRAPHY

Want to attract customers?

Boost sales? Raise funds? Call Copywrite Writing Service today.

845-377-5503 Copywritetk@ gmail.com

at unbeatable prices! Bar mitzvahs, mens side at chasunahs, dinners...

862- 505-9546 845-642-0572

TEETH WHITENING.

‫באנייט אייך פיזיש און גייסטיש דורך‬ ‫ אויך גרייט‬.‫א היימישע אינגערמאן‬ ‫ישראל אין‬-‫אריבערצוגיין באהאנדלען חולי‬ 845.521.5378.‫ גוטע פרייזן‬.‫שווערע מצבים‬

Get your teeth whitened professionally with lasting results. Male and Female Techs available. Call for specials 845826-4928

BAAL KOREH Experienced baal koreh available for bar mitzvah lessons,as well as laining 4 your shul.Call Mordy #8456249314 for info or email airmontpark@gmail.com

RELEASE THE STRESS!

FIXERMAN FIXERMAN, installations & repairs (845) 517-9026

PEARL RESTRINGING Expert & reliable service. Free pick up & delivery. 845-352-5013

*Swedish *Deep Tissue *Pregnancy *Reflexology Massage by Sarah (845)202-2911 NY/NJ Licensed

HANDYMAN

SHAKLEE

Reliable heimeshe handyman for your many household needs.

845-826-1056

Looking for powerful nutritional supplements? Call to place your Shaklee order. Free delivery. Call/ text 845 213-8016

EAR PIERCING Wide selection in the latest styles.

Exp in getting it in that perfect spot. Call 371-2325

for all your home appliances at reasonable rates please call 845596-0002

We accept to bind all your seforim and books. Best choice bookbinding. (845) 445-9183

RESUMES

BAAL KOREH

HANDYMAN

BOOKBINDING

Need help? Heimishe lady will translate and explain the process.

Call 845-356-1113

experienced baal korah is now available 845-608-9603

Affordable and talented handiman available for minor repairs to renovations and custom closets. 845-642-0572 862-505-9546

Call the experts Candy Wrapper (845)445-8288 We also carry a full line of Favor Boxes, Ribbon, Flowers, and Embellishments

E-Z GREEN CARD

Have your strong points highlighted on a professional resume. Excellent for those with limited work experience.

Affordable pricing. 845-596-0131

INSTALLATION

GIFT ARRANGEMENTS

REFLEXOLOGY

PAINTER Talented painter at a beginners level is available to do custom paintings according to your preference cheap price using oil or acrylic paint. 1929 238 5487

PARTY PLANNING For every budget and style.

Gorgeous setup, top-quality vendors, excellent service, great prices! Call/text: (845) 274-4799.

References and photos available upon request.

REFLEXOLOGY Releases stress, relaxes, improves circulation, helps with pain management and prenatal discomfort. House calls at no extra charge. Tamar Spiro (845) 352-6496 / 538-6782

MISHLOACH MANOS TO ISRAEL Gorgeous dried fruit arrangements. Great prices.

More info/pictures: 917 728 1332 sentimentsbychavi@gmail.com

SPEAKERS FOR RENT Top quality music speakers for rent (accessories included) rates as low as $70per night. To reserve call (845)500-7848

SPEAKER RENTAL For all occasions and events. For best prices on speakers mixers microphones cables stands and more call (845)578-5657 and leave a message

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FOR SALE FOR RENT JOBS SERVICES GEMACHIM

THE I MAKE IT – YOU BAKE IT Rivky’s Famous Challah Dough, custom made to your taste, diet & schedule. Yoshon. SAME DAY ORDERS ACCEPTED 845-369-3755

HAFROSHAS CHALLAH OPPORTUNITY 5 or 10 lbs. of fresh, custom made challah dough. always perfect texture, made to your needs, YOSHON, LAST MINUTE ORDERS ACCEPTED call 845-538-9332 or email challahdough@gmail.com

HOMEMADE GOODIES Delicious homemade challah, cake, and kugel to enhance your shabbos and simcha!

845-356-0027

THE SHALOM BAYIS CHALLAH PLUS 1/2 the loaf whole wheat, 1/2 white, 2 for $10. Yoshon, sifted flour, regular challah also available.

Tamar Spiro (845) 352-6496

CAR SERVICE Long distance trips brand new minivan anywhere anytime very reliable always on time call yanky 845-558-2697

RIDE TO LAKEWOOD Ride available to LAKEWOOD for Shabbos. Please call 845-4252583. If no answer please leave message

MISC.

INVITING YOUR EXTENDED FAMILY ?

We can extend your existing table to accommodate them all.

Call today 718-782-8936 or 845492-6459

HEIMISHE LADY DRIVER

LOST & FOUND

Available for local and long distance trips, day and evening hours available. You can book in advance (845) 288-3451

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$40 PORTRAIT PHOTOGRAPHY!

OVERSTOCK TONER DEALS

$40 portrait session, with full digital album included! For more information or to book an appointment call Dassy @ 845-517-9920

OEM Brother TN350 $55. OEM HP 950xl bk & 951 c/m/y $93.

Compatible HP Q5949x $40.

Compatible HP Q6511x $25.

Compatible Xerox 108R00795 $75… Call: 845.659.4939

ATTN: BUSINESS OWNERS/ORGANIZATIONS Want to attract customers? Boost sales? Raise funds? Call Copywrite Writing Service today. 845-3775503 Copywritetk@gmail.com

ALBUMS do you have cd's/sd cards piled up waiting to be developed and stored into albums?? We have the perfect soloution! call/text 845-538-3648

SHUCHT BOOKKEEPING SERVICES QuickBooks Specialist - Need someone to help post, reconcile, run reports & more? I can help.

Call 201-376-4378 or email bookkeeping@shucht.com

CELLPHONES FOR ISRAEL Traveling to Israel? We rent cellphones-daily/weekly specials.

Monsey pickup. Please call, leave message if no answer. 845-445-9126

HAMANTASHEN EQUIPMENT The original Hamentash kit: Dough, Filling, Cookie Cutter, Chocolate & Non-Pareils Available only @ Sara Rosenberg Personal Chef $20 Pareve 845-821-2159

PLAYGROUP IN AIRMONT Experienced, warm and loving teachers. Bright and airy setting, healthy lunches, stimulating program. Happy referenced available. Pls call917-828-4503

BABYSITTER Babysitter available on Brewer til 1:15. Sunday option too! 2.

PM teacher looking to swap babysitting with AM teacher. 862 505 9546

QUICKBOOKS Brush up your knowledge or learn in from scratch. Oneon-one course by experienced female bookkeeper. Please call:845.445.9651

CHILDBIRTH CLASSES To join the next class please call 845-426-0931. Tzippy Tauber CD (DONA) Certified Birth Doula

“LIVE ALIVE!” WITH ESSENTIAL OILS

Sound equipment rentals for all occasions, speakers, microphones, mixers and more please call 845263-0460

Educational/Experiential Open house. Wednesday Feb 10 12:303:00 pm 32 Truman; 845-3640034

AT&T VERIZON SPRINT

NEW! 10% off for ‫ החומה‬members.

845.352.3013 picitusa@gmail.com

EAR PIERCING

BINDING TAPE

Ear piercing is our specialty. Call Little Stars for an appointment 845-356-1345

Only $9.50 per/inch. (Shurtape) Special price for schools, yeshivos...

Call today 845-422-5516 Lv msg

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Want to help your autistic child?

Learn the Son-rise program. Call 845-425-5161

M&S SOUND EQUIPMENT RENTALS

Find the Best price Best network Best plan for your needs No contract,tax/fees include. Basic phones,Kosher phones… Home phone connect,Evening hours Call/text 845-659-2050

PIC IT PHOTOBOOKS

SON-RISE

VOICE LESSONS ‫ היימישע‬voice lessons 845-377-3389

DRUM LESSONS BY SHMUEL KLAVER Monsey’s most experienced Shomer Shabbos drum instructor.

Lessons ($40 & up) given in your home or my studio, to boys or girls ages 10-adult, beginners to professional. Call (845) 459-9935

THECL A SSIFIEDS

DRUM LESSONS

HAIR BY ESTY

MOTHER HEN METHOD

Beginner drum lessons for women and girls. My home or yours. Please call: 845 608 9895

Cutting & Styling, Chasunas & Simchas our specialty. Adar Court area.

Reasonably priced. For appointments Call, Esty, 845-426-2732

A New Approach to Childbirth.

You Can have it easily and completely naturally B'ezras Hashem Call Now (845)587-1649

MUSIC LESSONS Piano and keyboard lessons beginners to advanced children and adults please call yisroel fishbain at 718-790-8659/ 973-928-3476

SUNDAY ART CLASSES Classes given by an experienced art teacher on Bluefield Dr. Boys & Girls sessions:5,6 years 7,8,9, years Y Lichter 845 425 3605

SHIUR FOR WOMEN & GIRLS “Simchas HaChayim and its Power of Persuasion” by Mrs. S. G. Soble Tuesday J 2/23/15 J 8:45PM 51 Park Lane – 425-2433 $7.00

SUNDAY EXCERCISE FOR GIRLS Seeking an experienced girl/lady to lead young girls in a weekly exercise session in N COLE area.

Call 425-2773 and leave msg if interested in job or joining.

CLASSIC CUTS Cuts $10 Styling $15 845.356.6215 Conveniently located on Blauvelt Rd

FLAWLESS BY RAIZY. Careline cosmetics and skincare.

Call for your refills or to schedule an appointment. Free Delivery!

Raizy Gefner - 425-0784

DEVORA’S HAIR DESIGN Wash n sets, cuts, blow. Hair courses available-learn to style your own/others hair/shaitels!

845 608 9895

SHAINDEE'S COSMETICS Now selling in Monsey!! Long lasting makeup! Free gift with first purchase. Call/txt 443-835-6481

ARBONNE SKINCARE All Arbonne makeup and skincare products available here.

425-2772

BRIS GEMACH Brand new bris outfit and pillow.

Located on Rt. 306 ‫לע"נ ר' חיים זאנוול‬ 845.352.3013 .‫בן ר' משה אדמו"ר מריבניץ‬

Car seat’s to lend for short term call 845-352-9015

EURO. WIGS Cuts-Blows-Styling Wash-n-Sets FREE PICKUP & DELIVERY call 845-274-7412

Experienced female frum instructor will teach you how to play in ten lessons. Years of enjoyment guaranteed. 347- 455-5320.

Mineral liquid powder foundation (black tube) on special! FREE DELIVERY 845-352-2573

Brand new beautiful 100% down maternity coats sizes small to large. For more info please call/ text 845-521-2912

To have your hair professionally done at a great price, call now (845) 578-1939

HAIR BY TOBY​​

CMK COSMETICS

MATERNITY COAT GMACH!

CAR SEAT GEMACH

Professional haircuts, wedding styling, and wash & sets by Toby Francis area.​Great rates call 845.213.0378

Professional course for men including quickbooks and excel call 845-352-0066

GPS GEMACH: Call 845-352-2588 leave message.

(Minimal fee)

HAIR DESIGN

GUITAR LESSONS

BOOKKEEPING COURSE

Gemachim

BASHIE BRODY Kallah & Family Exclusive wedding night package! 426.4632.

5387603

Misc.

YESHUA I lit a candle leily nishmas R.Menachem mendle ben R. yosef merimonov & i saw 2 big yeshuas

TREADMILL Looking for a free giveaway of a good working treadmill. Please call 845-352-3201

HIGHCHAIR

MAKEUP

Looking for free giveaway or to buy cheap Prince Castle Highchair in good condition. Call 356-1390

Makeup application and sales please call Rivky Einhorn 917 405 6506

BAG WITH CLOTHING

MASSAGES

Lost blue bag from the children’s outlet with clothing.If found please call 845.352.8893

Professional female massage therapist available for evening appointments. My home or yours.

Women only. 848-202-4980

ITCH RELIEF A 100%natural bar of soap with a unique triple acting formula that stops the itch exclusive at Benefit.

To order 613-3487. For information 845-678-8360 ext -1611

CANON CAMERA Found a Canon Camera Feb 4 by Calvert/Cedar shortcut call/text 8456080589

RESHAVULKA Found a Reshavulka at Veretsky Malava Malka on Olympia a few weeks ago call 347-432-6669

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PHOTO CREDIT: JDN

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PHOTO CREDIT: JDN

‫ אבי ס‬:‫צילום‬

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‫בס"ד‬

‫בית הור‬ ‫א‬ ‫שעל ידי ה‬

‫קהל משכנות לאביר יעקב טאהש‬ ‫מודעה‬ ‫רבני בית הוראה‬ ‫כ”ק הגה”צ שליט”א‬ ‫גאב”ד‬

‫הרה”ג ר’ יודא‬ ‫ליכטער שליט”א‬

‫דומ”ץ במכון להוראה‬

‫הרה”ג ר’ זלמן‬ ‫איליאוויטש שליט”א‬ ‫דומ”ץ בכולל זכרון מנחם‬

‫הרה”ג ר’ יצחק משה‬ ‫מרדכי סקולע שליט”א‬ ‫ראה”כ ראחמיסטריווקא‬

‫הרה”ג ר’ יואל הכהן‬ ‫גראס שליט”א‬ ‫מו”ץ‬

‫לאור בקשת הרבים הננו בזה להודיע אשר הבית הוראה שבבית מדרשינו‬ ‫העומדת בנשיאות מורינו כ”ק הגה”צ גאב”ד שליט”א אשר מפורסם זה‬ ‫עשרות בשנים בכח ההוראה‪ ,‬פתוח לכל דורש‬

‫ •בבוקר‪••:‬משעה•‪•9:00‬עד•‪•10:00‬‬ ‫ •אחר•צהרים‪••:‬משעה•‪•4:00‬עד•‪••6:00‬‬ ‫ •בערב‪••:‬משעה•‪•8:00‬עד•‪•9:00‬‬ ‫ •בעש”ק‪••:‬משתי•שעות•קודם•הזמן•עד•שעה•לפני•הזמן‬ ‫ובכל היום יכולים לשאול ע”י הטעלעפאן בהבית הוראה‬

‫‪845-371-2637‬‬

‫‪O‬‬

‫הכניסה•הוא•מצד•הימין•של•הבנין•‬

‫מיט פרייד לאזן מיר וויסן אז צוליב די פילע אנפראגע האבן מיר‬ ‫פארברייטערט די צייטן פונעם בית הוראה דקהלתינו הק’ וואו איר קענט‬ ‫אייך ווענדן פערזענליך מיט אלע אייערע שאלות‬

‫ •פון•‪•9:00‬ביז•‪•10:00‬אינדערפרי‬

‫‪845-371-2637‬‬

‫ •פון•‪•4:00‬ביז•••‪••6:00‬נאכמיטאג••‬ ‫ •פון•‪•8:00‬ביז••••‪••9:00‬פארנאכטס‬ ‫ •פרייטאג•נאכמיטאג•פון•‪•2‬שעה•צום•זמן•ביז•א•שעה•צום•זמן‬

‫‪5 Weiner Dr.‬‬

‫‪Monsey NY 10952‬‬

‫ווי אויך קענט איר רופן סיי ווען אויף די פאלגענדע נומער‬

‫‪845-371-2637‬‬ ‫די•אריינגאנג•איז•פון•די•רעכטע•זייט•פון•בנין‬ ‫הנהלת הבית הוראה‬

PHOTO CREDIT: JDN

126

/ THE MO NS E Y V IE W

PHOTO CREDIT: JDN

128

/ T HE MONS E Y V IE W

A Real Community Bank STATEMENT SAVINGS

1.00% • 25¢ Return Deposit Check Fee (yes, that’s correct, twenty-five cents!)

• 25¢ Return Check Fee • No ATM Deposit Cut-Off Time • Intra-Company online Banking & Transfers

Parmanand Mana Vice President Branch Manager

APY*

• Free Checking – Business1 or Personal • Remote Deposit Capture • Commercial Loans • Night Deposit 1

Transaction limits apply. See our Terms and Conditions and Schedule of Charges for business customers.

72 West Eckerson Road Spring Valley, NY 10977 (845) 356-5300

LOBBY & DRIVE-UP HOURS: Monday–Friday 9 AM-5 PM Saturday 9 AM-1 PM Sunday 10 AM-1 PM

www.necb.com * NECB Super Saver: Annual Percentage Yield [APY] 1.00% and the rate 1.00% guaranteed for 1 year from date of opening. $5,000 minimum required to open. New money only. Effective as of February 8, 2016, offering subject to change at any time without notice. Account is limited to Statement Savings Accounts only. No maximum deposit limit. Rate may convert to prevailing Statement Savings Rate at end of 1-year anniversary.

‫ומשלוח מנות איש לרעהו‬