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and there that night I saw videos and I
saw people walking around with a tag I'm
a Kidney donor and another another guy's
walking around I'm a
recipient I was like wow you I was 30 30
years old at the time and I told my wife
why don't I donate a
kidney I can't believe you really want
to go through this I'm like yeah he's
like you're not
drunk none of your business oi none of
your business m it's the noneof your
business podcast hosted by Michael
anoshi welcome back everybody to another
amazing episode of the noneof your
business podcast thank you for joining
I'm your host Michael Greenfield joined
with me is ushi Schwarz uh this episode
is sponsored by the serenity healthc
Care Center which we'll get into later
during our commercial break and of
course the prime Source production team
thank you to all of our followers and
listeners we ask you to please subscribe
comment get get involved we enjoy your
feedback and we're growing together on
our journey today we are joined by the
person that told me my first dirty joke
when I was in sleep awake camp and I was
9 years old to naftali Welcome to the
program thank you thank you for having
me you're one of the most spiritual
people I know and uh right so Journey so
like what was that like um it was
definitely a beautiful I I don't want to
call it a roller coaster because it
wasn't a roller coaster but but as soon
as we moved to the states I was sent to
public school actually I was sent to
Yeshiva we went I went to Hulk Hebrew
Academy of West Queens uh I was there
for a year I couldn't stand it I hated
it so much so that I took you know in
the bakery they would have or the pizza
shops they would wrap the pizza box with
with a white string I would take those
strings and put them here in the side so
it's it was situs because we had a very
annoying teacher that would come in
every day check are you wearing s so
just check the string so that's what I
had because I couldn't stand it I could
I hated it that's terrible the teacher
would actually check yeah yeah that and
she would say time for diing and it was
so hated I mean as as a kid in second
grade who has no connection whatsoever
to to going to Yeshiva and when I was I
remember being in in
kindergarten and we had a uh
we I grew up in R laon and we had a
fence it was a shared building and there
was a fence one side is the
non-religious and the other side was the
religious and they used to tell us that
the religious people are
smelly so this you know in growing up
like why would I want to associate or be
connected to a smelly kid and some kids
had dirt coming out of their ears I mean
whatever they were just not
wellmaintained that could very well be
also with a regular guy so growing up I
was like I want to stay away from these
guys from religious people from
religious people and then when we came
here all of a sudden you're like there
no there's nothing bad and we were in a
religious neighborhood in Queens ke
Garden Hills so I started having making
friends and then from there I actually
started putting on kipa and tittis in
public school no I finished fifth grade
you left Hawke and you went to public
school I left Hawke I went to Public
School third fourth fifth wow
and in the middle of fourth I put on
aipa in tius and it was a whole year and
a half that I was you know already
practicing religion and then uh some
Holy Soul a Jew I would actually mention
his name because he's he's incredible
guy Robbie Newman from Queens he put me
into Dar Torah put me into Yeshiva and
you know from there it's it's you know
it's all history so your parents weren't
religious my parents weren't religious
and they came in why did you decide
fourth fifth grade that you want to
suddenly put on a c like how so my my
siblings my older siblings uh who went
to Ezra Academy if you heard of Ezra
Academy they're incredible they they
really help people they had one of the
best reame then was rosha Weinberger
from a from from Woodmere uh and he got
my sister on board to become religious
and then my S my sister started keeping
shabas my mother had to cash of the
kitchen and we started have to make ch
then you know Friday night meals it
became more official uh and then I told
my sister I really I love this I I want
to keep shabas with you I want to bench
with you you know and and that that got
me into it and from there you know it
was became yiva and then from yiva we
started rolling uh you know we don't
know this life us she you know yeah the
phenomena and we just met someone
recently who's his 20s who was living at
home and no one in his family is uh
observant and he's doing it on his own I
think it's amazing that a family allows
you your parents allowed you the par my
parents allowed it yeah not only that
they put on you know now you you're
going back and you're thinking about it
wow to put in a shabus clock so the
lights could turn on and off and I
remember my
brother he would bka shut off the light
in the bathroom and I and I went on I
got one of those shabas protectors and
he would take it he would try to you
know sibling rivalry your brothers do
that's where it's normal it's normal but
the fact that my parents got me the uh
you know that that Cho I remember there
was a push button that turn it and you
set it and you know those are always
very little button you still see them in
Brooklyn is some old house over there
you know you you'll find it is it off
you know when I built my house by the
way I created a shabus clock room that
everything is controlled from one room
you have that not only do I not have
that I have never in my life used a
shabus timer shabus clock ever on
anything even when I was growing up ever
I've never used one never been on one
never used one a light that's on it
stays on it's off it stays off goodbye
have a nice day do you remember the
shabas clock pins remember they had that
little plastic pins and you had like no
you had they come they came out and you
if you lost it you couldn't use the shop
clock ever you're like running around
right before shop I need a black pin to
turn it back on I need the on the why is
he talking hit the
sit had the uh the ability to say or do
whatever he wants but uh that's that's
an amazing background I I I can dive
deep into that for hours and we could s
but keep forwarding us up a little bit
and telling us how you got to where you
are today all right so uh then you know
myy called I was introduced to myy and I
fell in love I called it myy irides this
is what myy was like wow I remember my
sister and my brother-in-law they they
brought me up on one uh and and we're
talking about Albert
drive and I was like wow I was so
fascinated first of all the space and
the the the beauty was summer it was
really really nice and then I was like
okay I want to go to yiva over here and
I got myself into yiva I went to
Baga yeah oh after bisha after bisha I
went to Israel for a little bit uh came
back I learned graphic design and um
when did you got married married got
married I was 21 I got married on my
birthday on your birthday yeah 21 nice I
met my wife in myy it's actually pretty
fascinating Story how we met um I I came
to myy to help an organization I had a
friend uh Ron celle maybe you know him I
know him okay M his father had an
organization that he worked for arim
arim they they help people to you know
kir and all that uh and he said to me to
I know you you're not shy you're not
embarrassed you're a good fundraiser I
need you here on Pim and M I told him
listen it's a Thursday my parents are
having their meal in Brooklyn if you can
make sure that I get a ride back on on
Perm day so I'll drive you fine no
problem if you're going to drive me I'm
in so I came to Mony on Wednesday
afternoon we we had uh you know whatever
it is we went
collecting me and him and and whatever
we did we did we did we made we did good
um and then uh 3:00 in the afternoon I
think like SK at 5:30
roughly we already driving towards uh
pasak Road get on getting on from old
Nik Turnpike onto the highway as we're
about to enter the highway he says we
have to turn around I'm like what for we
forgot to say uh
to my parents who are having a meal by
the lon family are you kidding send them
a beep beeper you know we have phones
back then like stop by the get a pay
phone and then be happy bur
so
go understand what that means go then we
turned around got all the way right near
Orel Court opposite side of where you
were yep and we came there and that's
where I met my wife oh what happened
where she was just there she had she
came from Montreal for pin yeah she's
there she had uh she D dressed up like a
bear so she had the you know like polka
dots on her face and whatever her I not
say hello to her but I asked the lady
the lady who I I used to be a been
biased by that house
okay and I'm like who is that she's like
Tom she's great that's she's your wife
she's your wife that's it go I was like
what are you talking about she called my
mom that night told her get her on the
phone I went out with her on Sunday for
the first time this was perm night was
Thursday night we went out on Sunday
Monday Tuesday
Thursday Shabbat we spent the whole
Shabbat I came to monay I proposed about
shabas one week one week one week one
week I've ever heard of that stay with
your wife for one week one week that's
insane and that was it I mean you know
we have a lot of listeners by the way
that are not Jewish I'm sure I'm going
to get a lot of but even by our
standards one week is very very Fab you
know what we're going to hear back yeah
but then then of course you know her
parents uh were opposed because she's
Ash and I'm safic she's from benck back
the background you know again what kind
of sapharic are you uh Syrian you're
Syrian Turkish now Syrian Turks usually
marry into syrians only or can you go to
Persia you could do whatever you want
today today you could do whatever you
want passing in in general you're you're
not what's accepted is that you're you
really should not intermingle because
you know the the the cultural
differences could really you know be
become a challenge oi your story matters
let's talk is the slogan for our newest
sponsor the Serenity Center which is a
clinic for therapy and many other types
of services that people need for mental
health challenges and I have to tell you
that I did not want them to be a sponsor
of ours until I tested them myself and I
sat down as a session paid by my
insurance with the leader morai Weinberg
this person who has a radio show he has
live Zoom conferences with hundreds and
thousands of people tuning in every
single week the reason why they do is
because he is amazing I sat with him for
over an hour and I got the most out of
it and let me tell you I did a lot of
talking he did a lot of listening and I
learned that the Serenity Center is a
clinic that provides a service for
therapy that's LED and supervised by
morai Weinberger and I see why they're
so successful
and it's just something that you know we
need to mention more of and I want the
community of Rockland County and even
Beyond to know that if you need therapy
don't wait and push it off because it
might be too expensive or you may not be
aware of the perfect therapist go to
Serenity Center try them out insurance
will most likely cover most if not all
the charges and you will get top level
service sounds like a no-brainer to me
see that was your first uh job was was
marketing printing graphic design
graphic design
yep and you were the actual graphic
designer I was a designer you had a
company you had you had people working
for you I would say I had people working
for me yeah back then back then if any
couple was getting married they wanted
to work on an invitation he would sit
there and curate the logo and figure out
the words and I did I did everything for
them I mean I would meet people in the
store and I see a couple that were just
Eng on like here's my card you're going
to you're getting married you need a
wedding invitation and and believe it or
not people called me from that of course
um but you said you were laid off so
that's before you had this business
right yes so before I had the business I
was working for someone and I found out
later on that he was actually borrowing
from mmak for three months to cover my
salary a very very nice great guy uh and
I felt bad and he uh at some point even
six months prior to that he offered me
either go off on your own or he said he
was offered a job by some big uh uh
marketing company and he's like I'll go
and you run my business and that's where
I got more involved and that's at least
where I had a little bit of the
experience to run a business I don't
what do we need $20,000 buy a Mac buy a
printer uh you know a little inkjet and
uh scanner and you know and we we'll get
you started your business by yourself
started by yourself how old were you at
the time 22 and you were just married
have one kid just married and then three
weeks later we had a kid and thank God
is spired barem from there
you know many clients later uh actually
one of my biggest clients uh was U mty
suard from gateways
organization um I actually helped him
four years prior uh to run a seminar one
of his first seminars that he ran here
when he was still with arim uh and then
we met one day in the cleaners mazal
cleaners you know next to
Mandarin and we met over there like oh
Tom how are you
do graphic he's like oh I have an
organization I need B shorts I need
stuff and from that so he he was one of
my biggest clients go he he the yeah
he's one of the first organizations yeah
like in Rockland County not just making
an organization and kiru and rabbis
inspiration but also one of the first
haach programs yeah one of the programs
that the organization into a program
yeah and then the program supported the
organization and that they just evolved
now they have buildings in and hat and
Tel Aviv phenomenal he he does
incredible work and and you kick off
your business so he I'll kick off my
business and and I'll tell you at some
point very very interesting you know
because some people and this is this is
part of the
spirituality I I I think you know we
have it it's it's ingrained in our in
our blood system as stream but we also
need to constantly work on and and so on
um and whatever happens is for the best
always even things that you think that
are not good okay why don't I give you
an example from a a a a movie that I
just uh recently saw I don't know I
don't remember the name bad with this
where you're going with this yeah you're
about to bring inspiration we're going
to talk about Rabbi or some safe and I'm
telling you from a movie from a movie
okay I like your style go ahead two two
uh uh girls that are are you know
renting and they live in a
dump uh I I I remember the name it's
called doesn't matter yeah it doesn't
matter anyway they live in a dump and uh
the guy came to evict them where's the
rent money I gave it to her he gave it
to him whatever the guy ended up
stealing stealing the money and they had
from from 10 o00 in the morning they had
till 6 p.m. to come up with the money
$1,500 they did whatever they could to
try to come up with the money they ended
up finding shoes hanging on a street and
they sold it and they got the money they
made 2500 now they had the money and
then some other girl came and beat him
up and took the money the girlfriend of
the boy whatever anyway they don't have
the money by 6: p.m. they show up and
the guy emptied out their house they're
like what do you mean you told us by 6
p.m. he says well I knew you're not
going to come up with the money so I
already evicted you uh they put the M on
the
street and at that moment you're like
thinking tears are like how much worst
going to get but I was like thinking to
myself everything is for the best
and what happened one of these uh one of
the girls is is an artist but she didn't
succeed she wasn't doing anything but
now her art was out outside on display
and some girl one of the new tenants
that came she saw it she's like I'm I
love this 3500 boom and all of a sudden
she was like let's make a uh show and
they made an art gallery that night and
they made tons of money and I'm like
look at that so from one thing that's
bad and I was like being put out on the
street it's really for your best every
situation like is is like that in life
things that sometimes seem so where
where am I leading with this over here
um we were renting for a few years in in
Spring Valley and we get a call from the
owner um I'm selling the house you guys
have to leave and my wife like where are
we going to go what are we going to do I
told her everything is for the best
we're going to find we're going to go
look for a house to buy and we actually
looked on ker Lane at six ker Lane you
know where where uh aoka used to live
and I don't know if you know them and um
we looked at that one that wasn't good
for us and the the next Sunday we saw
the the house across the street five
Kerlan my wife had some money put away
from her childhood her parents saved or
whatever but we needed uh so we had 20
and I'm like okay we'll get another 20
10% the house was 400,000 beautiful you
need 10% my mortgage broker calls me and
he says it's better if you get 20% down
or am I getting
20% so here comes an
unbelievable Mahala I don't know I could
say this publicly but you know what it's
okay I called up a client and U of an
organization not suard but suart
actually is the one that who introduced
me to this client um and they were like
American friends so they have an
organization in Israel and they have an
organization over here and I called him
up and I said you know I need
50k would you loan it to me and I'll pay
you back through printing services and
and Designs he says yeah sure come
tomorrow come pick up a check out I like
what wow and to top it off he tells me
um I don't want you to pay it back every
invoice that you invoice because we were
doing a lot of work for them and he says
I don't want you to pay it back all at
one lump sum every invoice that you
invoice us you will deduct 20% towards
the loan and then the rest you could
keep for yourself within 2 years I paid
off the whole loan what a bench what a
bench and then he got laid off I mean he
was like 90 literally 90 years old he
got he got sent home now he was the
emiritus of the of the company and they
changed changed over and they stopped
using us and I told my wife this is
exactly what uh M
told this is the reason why you came to
this position I said the reason they
were our clients was that we could
actually put down that money for the
house pay them back and be you know
completely clean anyway that's that
that's that I think was a very very nice
uh no that's phenomenal what a story
there are some good people in this world
you know there are some people that do
really nice things for other people I
mean this guy this client of yours like
he didn't have to do that and it's also
very risky business because if you're
paying it back from what you're
invoicing you could start maybe
inflating some of the prices and I don't
know how you know how honest right it
could be but he trusted you I imagine he
trusted you they trusted me well they
scrutinized everything they they knew
everything that's going on it's a really
nice story you mentioned your wife had
some money saved up what does that mean
she had how did she have that money
saved up from her childhood I don't know
$20,000 from babysitting that from her
no way from her grandpar when she she
was a child that her par her oh like her
grandparents open up saving account
usually that's what you do when you have
a child that's born so she had that no
the savings account I don't know what
you mean my grandmother didn't leave me
a sing account yeah that's really nice
it was very very nice do people do that
is that normal I mean everyone has a
little bit of a flavor of how they do
things but people save money for their
kids I remember my dad he actually gave
me an option when I first got married
and he said to me I'll e I'll either
give you
$115,000 for a ring or whatever the
amount was for the ring and the setting
and so on yeah or I'll give you five
grand you buy yourself a less expensive
ring but I'll give you 20,000 to buy
your first house what do you pick and he
had money saved up for me and uh at the
time we decided together she got a five
grand ring and they gave you 20 grand
towards your towards house cuz I made
the decision that the house was more
important together obviously I didn't do
it alone but everybody does something
different I think that uh especially if
you have a friend that's a life
insurance salesman I'm sure he'll tell
you to save up for your child or buy
life insurance for your four-year-old
kid and save up over that's really nice
you're very very fortunate yeah but it's
interesting to me by not everybody has
that it's interesting to me that toar
you know
um know oh she's asking you give me a
moment that defines you and you're
picking your business there's not
defines you the mo first moment that he
made his Mark yeah first like what's his
entrance way into the adult world like I
love that because you went into this
business and then covid came and then
you pivoted and then you started this
whole new business line and like you're
saying everything happens for a reason I
just I would love to hear that process
like you you definitely have a great
marketing head you're a Salesman you're
you know how to connect with you see a
person in a in a store and you find out
they're engaged and you know do you go
to dating spots and is that something
that you did also you know I don't know
what you're talking about I'm I know you
know his story already but I have no
idea about anything that you just said
that's what I'm saying so you had this
printing business that would happened
that's my point I'm saying you should
take us forward yeah all right were you
suful in the sprinting very successful
in the printing business and how did you
make in the biggest year when you were
doing what was like the biggest year you
had I'm just trying to get a sense like
what kind of Revenue you were talking
about I mean let let's just say until I
was doing printing it was only design
and that was bringing in about less than
100K a year as soon as I opened up the
printing business uh that was in
2006 the the sales are almost uh uh
quadrupled from year to year leaning the
first year doing like four 400 between
four and 500 the next year I was already
at 1.2 and that just it kept on going up
and up and then at some point what was
your
height I think it was like 1.5 wow
roughly it's and then and then from
there it started to decline you know
there everybody goes through roller
coasters in life yeah did you like it
did you love what you did I loved what I
did I loved what I because you get to
actually see a product that you created
it's your brainchild I created something
and then that that thing was something
would you be shocked to know that you
did the imitations for my wedding I
would not be shocked yeah you did you
did imitations for my wedding I did
invitations and you know what I tell
people I go I go to their children who
are uh uh now getting married I'm like
you know you're alive because of me
there I don't know about that I don't
know about that but no invitations no
wedding no trial yeah there all right
all right everybody settle down I you're
not cing cancer over here but that's
pretty that's pretty cool so how long
did you do this uh thing for and what
happened um so we did the invitation we
were in the invitation industry till
2020 till Co is there even uh industry
now like I know when people believe it
or not there is back back it's like via
WhatsApp yeah WhatsApp a lot of that are
hard copy invitations believe it or not
our mailboxes are that's what people do
they want to get a check our mailboxes
are full because they realize that doing
that that uh you know the wedding
registry barely works the WhatsApp is
that right am I right though in saying
that that yeah really want to send
physical invitation cuz they want to get
a check I never send a check with the
return card some people do if I when I
show up to the wedding I'll bring a
check with me some people do believe it
or not there's a nice ount of of of
money that comes and it's for the kids
by the way how much money do you make at
your wedding at our wedding we made 10K
10 nice actually I made six okay I made
three yeah so apparently I suck or I
have very stingy stingy friends and
family members but I made three grand
that's it people make oh and I and I
spent it in like the first three weeks
yeah I don't remember I'm just living I
didn't have a lot of money when I got
those like you know on my own who had
money yeah who had money you know like
the your most expensive bill was Verizon
your life was so much simpler then it
was I had so much less 50 contacts on
your phone that's it you can't have
anymore you're ex out of 50 I had one so
you know that I still remember phone
numbers from back then because you have
to you have to memorize numbers sure I
remember numbers of of of vendors of of
of you know family members I remember my
old phone number go ask me today what my
daughter's number know what her number
is you want to something very you know
your daughter's number we talking about
like by uh wedding money baritz for
money right the kids we turned 13
usually they get I don't know how much
they get like on average 3,000 4,000
something like that some of my friends
told me they got like $5 $20,000 out
there bar mitzah which is wild to me
that to get that much money but I only
discovered years later that it was very
normal for people for mitz boys that
they kept the money that the money was
for them and they got to use it or their
parents made them put it away and they
used it you know later on when they got
married I didn't keep my money my my
parents actually took the money from me
the night of the bar MIT I didn't get to
like you know see count how much money
it was they took the money from me and
uh when I was like talking about my
friends later on and they're like really
like you you didn't keep the money like
no and I thought it was normal I only
started feeling bad about myself much
much late at the time I think it was
such a big deal you know but apparently
inish world it's very common they take
the B mitz for money from the kid and
they use that to pay some of their bills
from the B thing and in the non world
it's not it's actually considered like a
little it's an insult like yeah it's the
kids money like you know even if the
parents don't have money even if they
have to borrow money to make AIT so they
will not take the kids' money which I
don't know how I feel about it I don't
know like does the parents have the
right to take the money should they not
take the money like Michael what's your
feeling on that you know that if a kid
wins money in a lawsuit the parents have
the right to use the money to help the
kid live right so you can use let's say
a kid you know something happens to him
and there's a lawsuit and there's
earnings of $100,000 off a lawsuit so
what do you do do you give the kid the
money or do you you you put it away for
the kid or do you or if and if you can't
live and you need that money what are
you do so you're that's the that's the
question that comes up inter these in
these discussions that I've had before
but legally you're allowed to use
sometimes the parents are desperate
sometimes they they don't have them they
don't have money and if they got access
to it in this way and they they feel
like justified in and using it I guess
yeah but doesn't mean it's right it
doesn't mean it's and it's a it's a
little bit of a controversial topic you
know uh parents feel like sometimes
entitled to you know their kids whatever
until they're like you know married F on
their own like everything you do is mine
right you're living under my house but I
think that's an old school mentality
like I wouldn't do that for my kids I
mean I should never need to I should
never know of it but I I feel like I
would feel very dirty like taking my
kids by M for money I feel like I'd feel
dirty doing that I guess it depends how
much they
made he you know what I I think every
family has their own you know situation
and how they handle it and how they they
they are you know I heard of one family
you know since I met people with
invitations so they they would say we
don't allow you to open the gift until
you sit down and write a thank you note
of course the yeah have gra that sounds
yeah that's that's very nice don't you
know you cannot cash the check until you
teach appreciation sorry all those have
have gratitude and you know what I just
was something right now right Tak I hope
my parents did I hope everybody but I
definitely the Gratitude uh is called an
avod the avod it's it's a work it's it's
it's it's a
uh something you have to work on because
not everybody has naturally to be
grateful you have to conly work on being
grateful being grateful to I'm very
grateful that you're in my life and uh
one of the things that I know about you
that oh she doesn't and um if it's okay
with you I want to talk about the idea
of being grateful you you know you call
me up a lot for different you know uh
organizations to support and to be a
part of we'll get back to that in a
minute because I have a problem with
that and we'll f up that in a minute but
besides that though you called me once
and you said yeah come we're we're
having a party for somebody who almost
didn't live and they survived and and I
came to the party and we're eating all
this delicious uh Syrian food and so on
I turned to the guy and I says so what's
your deal he goes what do you mean
what's my deal toer gave me his kidney
wow and I'm like what what are you
talking about what how much did he get
paid for it what what do you say what
why how do you know him is he your
brother what total stranger total
stranger H do that I've never actually
asked you this story and I don't know it
and since that moment I was like whoa
new found respect for you like okay it's
interesting to know but I was always
scared to tell to ask the story and go
through this with you but here we are so
I'd love to hear it wedding invitations
that's where it started with a wedding
invitation for uh men Andy and Daniela
Sabo eight years later she sends me an
email she says I'm doing a party uh
event for Renewal and I'd like you to
print the Flyers and the uh postcards
and the tickets uh I read the email and
I said wow it sounds like a very worthy
organization we're talking about they
going back to
2011 uh and it was in the summer in
August and I said to her I replied back
I said you know what sounds like a very
good organization I'm going to donate
all the printing the Flyers and whatever
it is she says wow thank you I'm giving
you two tickets to come to the to the
event so to make a long story short we
came to the event it was wine tasting
and food it was in permont it was so
beautiful I fell in love with Pont Pont
to me is like you just go and chill
watch the bridge and the water it's very
relaxing and
calming um and there that night I saw
videos and I saw people walking around
with tag I'm a Kidney donor and another
one another guy's walking around I'm a
recipient I was like Wow and I was 30 30
years old at the time and I told my wife
why don't I donate a
kidney you know like well we're saving
saving lives this is sound like a really
really nice uh thing I took bam
fredman's number he's one of the
directors of um renewal and and I told I
at first I gave him my card and I said
we cannot call you you got to call us
the next day it was Friday morning I
called him he's like toer I'm never in
my office on a
Friday and I said I he's like I can't
believe you really want to go through
this I'm like yeah he's like you're not
drunk anymore I'm like no I'm
not they sent me the forms I then had to
do blood work so I went to Dr fredman
Benyamin fredman he was right across the
street from us he did my blood work I
overnighted it and within a week we got
back results and they said that I match
a guy who's been 17 years on dialysis he
has
33 antibodies and you have
30 and you're the closest match possible
the guy 17 years has been waiting and I
said I told my wife I'm like are you
kidding I'm sorry I I don't know what
that means for antibodies okay let let's
just say you have prongs like over here
you have on all these the you know the
back of the computer you have you have
the uh uh uh the prong and then and it
goes in okay antibodies are uh in in
your uh uh immune system they protect
you from certain sicknesses most people
will have 8 10 12 15
whatever this guy uh ronen he received
when he was 17 years old he received the
kidney from a gavver that's a dead
person who just passed or had a car
accident
uh which is not the best form of of
kidney uh receiving a kidney because
it's already it's it's it's the body
went through a shock he had it for three
years that uh kidney uh raised his
antibody levels in his body to 33 from
whatever number he had prior I don't
know it doesn't make a difference so so
basically if you're putting in a foreign
uh object in somebody's body those are
going to reject it 33 antibodies and if
you put another guy who has 15 it's not
going to the prong won't won't fit won't
connect yeah it won't connect so it's
going to be a reject the doctor said
we're going to be able to handle the
three by giving an antire uh um
injection uh and and uh very very
quickly we went through with it I called
up the rabbis I introduced myself to
Rabbi Mansour at that time for the first
time it was that time when I was how you
met Rabbi that well I met I met him a
little bit before but then I called him
I told him R I'm your you know I'm your
student I'm and and it spiraled from
there and we have a very good connection
today um you know driving in on Fridays
and going in keeping a steady connection
with with the rabbi which was very
important to me because in Mony we
didn't really
have you don't have anybody to really
connect with at the time you know going
going back to
2011 um and we saved the guy's life we
let's get this time straight so you
thought of the first time you even were
I didn't even know what a kidney was
right like the concept of donating
kidney was just born a couple of weeks
before that right when you went to the
renewal event correct right they called
you to do the graphic design oh sounds
like a nice organization I'll do it for
free they invited you you show up there
you get inspired by all these other
people I also want to do it I want to
give a kidney and then like the next few
days you give blood work and you're
tested blood work and you're tested and
then you and then they and then they
find a match with a week or two they
find a match for another person and also
a very rare match right right exactly
they realize like wow this person's been
waiting for a long time we didn't think
we're going to find someone now we're
finding you and then then you start
going into the colia you got you got to
go to Columbia hospital you you have to
meet with with a social worker you have
to meet with psychi psychologist they
got to make sure you're mind they got to
make sure you're clean why are you doing
this right how are you do how is anybody
paying you yeah and of course you you
like no one's paying me I'm doing this
altruistically I really want to help
this guy and I feel like I'm saving aive
and I know my my children are going to
learn from this over here and it's a
lesson that they'll never forget by the
way the my my my my my boys and my
daughters who who were around I had four
kids at the time they will never
forget that we all together and
obviously I had my wife to back back and
sub if your wife is not on board forget
about it you know you could have your
mother saying H don't do it you know but
and my teach my mother lesson to your
four kids everybody teaching a lesson
right now to me and Michael both sitting
here and to anybody that's listening I'm
like super inspired right now I I think
that you might not be so Human After All
like there's something wrong with you
because us humans like we are hardwired
to care about ourselves first and
especially in a dangerous situation
right is where our natural reflex is to
First just take care of ourselves so if
we're like hanging on on a cliff and
somebody next us hanging on a cliff like
I'm going to try to figure out how I
survive right my first instinct is in
how do I help the next person survive
right if I'm in a danger situation as
well that's how people are and the
planes tell you first put on your mask
and then yeah exactly for for safety
reasons that makes sense to do it that
way but when I think of donating a
kidney I'm thinking first thing wait a
second like what kind of harm is that
causing me if I'm going to be down one
kidney like I know that they say that
you know you don't need two kidneys you
need just one and if one fails they both
fail so it's not even going to help you
right but but still fact is is that it's
a process it's difficult to do and
they're opening you up once they cut you
open all bets are off all bets are off
so it's a risk it's still a risk it's
definitely a risk and by the way I went
in life at risk thinking I'm not going
to wake up by the way I didn't know I
was going to I I was like forget it
they're putting me out and I might not
even wake up okay to I want to take it
up a notch may I I want to up the anti a
little go ahead I could understand and I
could relate to you a little bit better
if it was for somebody you know and for
somebody you love that you're willing to
take more risk total stranger but for a
stranger somebody that you never met to
even take 1% risk for your own life is
wild it's totally totally crazy so I'm
like shocked right now I'm all inspired
by how you did and so quickly in a
couple of weeks this is all happening
rapidly it's happening so quick so fast
like who are you what what kind of it
doesn't make sense to me I'm like it
doesn't make sense where is this coming
from I also want to add to that and I
appreciate everything you're saying oi
he he keeps using the word we donated
who's the wi who's the wi without the
wife you can't do it without the wife
you can't do it that it's like it's it's
an effort of it's it's it's a group
effort yeah yeah also I involved and by
the way my employees at the time who
were working for me if they wouldn't be
on board uh uh being able to to handle
the business uh the printing that was
going on at the time and the
designs you know I'm the boss I'm
running the show and I'm I'm out I was
out for five weeks wow you the rec yeah
recovery wow they say it's harder for
the person giving the kidney than the
person receiving the kidney it's a
quicker recovery pretty quick they say
right so what so you don't know this
person and you decide to go through with
it were you able to meet this person
before they right before the yeah but
you're allowed to is that is that yeah
you're no I wanted to I wanted to see
him I give him a blessing and he gets to
see you also how does that Pro if you
don't mind he gets through that process
so I interesting you said also that they
make you call them they say we're not
going to call you right because they
they convincing people to give kidneys
have to run after yes people have to
have to voluntarily on their own call up
and say match and you say I want to know
who the person is they don't tell you
until the day they don't tell you they
just told me a first name and I didn't
know did you know how old he was until
uh he was 39 you knew that that they
tell you yeah they told me he was 39
tell you if it's a man they tell you how
old he is they give you very basic
details very basic details and they give
you the option to meet him or you no you
cannot you usually they they don't want
you to meet because they don't want you
to have any regrets you might you might
have a regret they don't want you to
meet and you know what I did I went on I
went on uh on Google and I and I said
you know what
Ronan kidney uh need kidney TI blood o
and all a sudden I found a video that he
posted years prior from another
organization in Israel very sneaky wow
and I was very I I was petrified because
there must have been something wrong
with the video
and his head in the video the video was
choppy so he was like saying hi hi
bro and I was like I'm giving a kidney
to
whacko called the guy I remember who was
I called the guy I
said this guy's not nor he's like to I
promise you he's a normal guy like the
video must been there was a glitch in
the video know the reason why they don't
want you to exactly this is the reason
they don't want a chance of something
happening that they get bir and they
Chang their mind and by the way my
mother was she was totally scared we
naturally my father was like yeah go do
it you're my father anyone against
it no no one was against it I mean they
were afraid renewal paid for my brother
to come from Israel they paid his ticket
to come support to be yeah of course s
very very nice uh so he came he was here
for a week so the day of is when you get
to meet this ruin of right and then you
know as as as things would have would
would be at that time for 3 Days uh
before the surgery we had a a a storm
and all power we had no no electricity
we had to actually move the hotel I
don't know if you remember that in
2011 uh it was November October October
yeah it was October 29th and it snowed
and tree it there were still leaves on
the tree on the trees all over
trees started falling everywhere and
power lines were down it was the most
crazy time and now you where are you
going my wife is like if we're not
getting electricity you're not doing it
like where am I going to be in a hotel
and you're in in surgery what am I doing
with the kids and so on and so you know
it it was difficult but thank God that
it came back on but that was Shabbat and
the thing was uh on Thursday November
3rd you're in the
hospital the first time you met what was
that meeting like when you met him
meeting was very emotional the meeting
was very emotional we
met they brought him into the room we
were already in our robes and I have
pictures I don't have it here I actually
have it on my phone I'll find with us
yeah that's okay with you yeah and I met
him we hugged and we cried and I gave
him
a and we just shared a few moments and
uh I wished him luck I said you know it
should go well were were you nervous
were you scared I don't think I was
nervous like I said you know I was
walking in thinking that I'm going to
not wake up from this thing I've never
been put out before so I had no idea
what to expect I thought you know I was
like goodbye so you didn't like do a lot
of research as to what the risks are um
I did did thinking soul
searching no I knew I knew that I'm
doing the right thing I knew that I had
to two weeks to decide to actually do it
and then until you did it it was like a
week no you talking about from August
till till November 3rd 2011 November 3rd
was was the was the actual procedure
exactly and I had time to think about it
of course yeah but it took you very
little time to say I want to do it right
and like I met my wife how long did it
take for me to decide to marrier that
was the right thing to do and this was
the right thing to do I know I'm saving
a guy's life and I'm like if not for
that by the way I don't know how many
people actually could live for 17 years
on dialysis you look at the go people
maybe 10 years 12 years tops this guy
did dialysis a different type of
dialysis which was he was very young
this guy he his whole life since he's 14
years old by the way he's been suffering
from kidney disease wow uh uh he really
didn't have a life was he married at the
time this guy he was single and he got
married a few years
afterwards and um and he had a child
only one child and she's four years old
now cutest thing um with do you have a
relationship with him now till today
yeah yeah like you guys are close you
stay close we we could visit each other
once I mean you have a piece of yourself
inside of him yeah did by the way he
would not be able to get to get another
transplant after that because he has he
has two of his own failed then he has
the cadav and then he has M he has four
kidneys three three are like three
little things that are not functioning
in his body but the average person that
gets a kidney does it do they have end
do they end up having normal lives they
oh they they definitely has a normal
life not normal life say they can live
long they can like they can live I don't
know how long it lasts uh you know
Michael You Know You and I by the way
should both just leave this room we're
terrible people we're really bad people
frustrating what get yeah sure you're
having straining order okay went to help
somebody yeah to it's just this is wild
this is like I hope you can appreciate
that a lot of people listening are going
to feel bad about themselves as well
because I don't know if I have it in me
I don't know many people have it in them
I don't know I don't know if I had it in
me somebody showed me something my name
is Tom and it's the same if you Boggle
the letters it's toim donor ah so that
was very uh U you know always nice one
of those do you feel any different at
all they no zero zero like you have the
same strength the same energy same
strength same energy more energy I'm you
know always positive Forward Thinking so
are you at risk for anything in the
future because the fact that you only
have one kidney now or you have the same
like your status quo as if it was before
nothing really changed I mean they only
told me maintain your health uh you lose
weight you know keep keep fit so we're
doing that thank God okay you look great
thank you very much and um wow what save
one life save the world right isn't that
what they say save one life save the
world you did that you literally did
that uh a guy like this has one place to
go Only Heaven I hope you be a better
otherwise we're all out of luck here
here your pace I'm grabbing on to
his oh my God that's that's intense
anyway uh um so fast forward fast
forward you know so we got we got the co
um there was nothing no work going back
to your life story yeah yeah we're going
back still we're going back we're going
back I'm I'm back I'm back I'm back he's
like yeah okay let's move on okay so
that was my what I did yesterday let me
tell you about let me tell you about
tomorrow go ahead yeah came Co and there
there was literally no work nothing to
do we were like three weeks before PES
and there's no events there's everything
there's no events
everybody you know all the my client
that were doing their events P usually p
is is is a busy time because you're
doing uh uh uh you know printing for the
the the programs and so on and so forth
and everybody shut down and I was
um was
shabat I lit a candle it was 12:30 at
night I lit a candle for Elia and a v
one candle I never did that before and I
just sat there and I said God please
give me
something we need we need to do
something you know p is coming and I
just have no
means uh and then I said okay well after
you pray you need to do some form of is
you need to do some form of of of you
know taking a step forward towards an
act an act uh so I looked online at some
gadgets that could be appropriate for Co
I saw a a uh a pouch that would be
appropriate for nursing homes or be
appropriate for um uh uh landlords to
give out to their tenants to give out to
the to the people what what in the pouch
the pouch would have your logos put on
it and inside the pouch was a glove with
a a kit a kit okay well they call glove
a mask yeah yeah had a few things in
there you know sanitizer Co kit
beautiful you going have your logo on it
and you could have your logo on it so
that's great fine perfect I posted that
first time in my life that I posted
anything on a
status at 1
a.m. I receive a uh response from there
from a friend in Lakewood and he says to
me uh toor can you get me masks and I
said what kind of mask he's like you
know the the blue the blue masks I said
first of all I said yes of course I can
because it's not going to be a no I
could get you Mas
and it's actually fascinating so he told
me that his wife is the purchasing
director for 30 nursing homes and
they're desperately looking for masks
how much do they need uh 350,000 masks
I'm like okay so let me find out I'll
get back to you in a few
minutes luckily already for for over a
year I've had a relationship with a uh
with some lady I've never met her but
her name is the sky
Chen uh and in China and I was buying
promotional items from her so we had a
relationship so I texted her right
through WeChat and she said yeah I could
get you masks sent me a picture send me
the price I sent it to them by the time
the morning came they put the order
through and I was like okay you know
what maybe I should buy a little more so
I bought a half a million masks and then
a few other people bought for me uh uh
at that time uh and the biggest
challenge was how are you paying for
this this cuz I didn't have any money to
pay for it I needed almost 200k to Fork
it that that company said they're going
to put the money in
escrow by Madison
title uh and a very good friend stepped
up to the plate and he said toer I
really want to help you I don't want to
make any money on this and I'm going to
lend you this money I'm going to pay for
the
order and the good thing is that in his
line of business he knows Madison title
and he knows who they are and everybody
just knew each other so there was a
trust Factor over here and he made sure
that the mask was approved and
everything was good and luckily he he he
took every step he was so involved in
every step uh even with the shipping now
how are you going to ship stuff over
here I didn't even know how to ship
anything two months before Co started I
got a phone call from some Italian lady
and she said yeah we do shipping from
China I'm like I don't do shipping like
this leison in China the sky lady she
does all the shipping for me like I'll
just meet with you I said you know what
okay meet me on when are you going to be
in M she's like on Friday I'm going to
be in m and I was just on the way back
from Brooklyn at 12:05 she called me
she's like I'm in your driver I'm like
I'll be there we met for a minute she
gave me a business card and a pen and
that was it and then that's who I used
to actually bring all the goods in it
was like unbelievable that Hasen already
set everything up months before we had
it all it was moving pieces on the chest
moving the pieces and and because of our
friend's involvement in knowing
everything every step of the every
detail to the tea uh and then my father
passed away uh a few days before this
shipment was supposed to come and arrive
and he handled everything from there and
I got a paycheck I made like
100k from that order wow it was
ridiculous and then and I'll tell you
I'll tell you another thing that
happened so you did a lot of these types
of deals we did we they then then I
started the whole covid uh PPE stuff
right didn't know involved during that
time I was I yeah I got very involved
and and uh Michael you started buying
stuff for me I sold you a bunch of uh uh
uh things and I don't know if you know
the story but you you had a guy Yan I
don't even know his last name I haven't
I haven't Sav y masks maybe I have 100
people on my phone anky Mas flamy mask
Ellie masks oh God go ahead anyway at at
along with this shipment I decided to
order 15,000
gallons and they were very cheap quality
like 25 gram it was nothing it was a
joke uh and you're you're a yane guy I I
mentioned it to him or you mentioned it
to him and and you said you're going to
sell it to him for I was going to sell
them for 350 each okay he's like I'll
take them all we need it great and I'm
happy
um and then you're going to be Sur
you're going to be wilded by the story
because you don't even
know uh and I just got up from from
Shiva and a good friend of mine from
Lakewood he says to me toer I heard you
have uh gowns coming in uh can I buy
them you I'm like no they're already
sold he's like what are you selling them
for I'm like 350 he's like I'll give you
650 I'm like okay uh Yani I just got
offer more for these things he says to
me don't don't do this to me he's like I
already have it however you guys were
set up already to sell it to another
another a nursing home that needed him
he's like you gave me your word I don't
you didn't give me a
deposit so we hung up he was a little
upset and then I sat there and I thought
I'm like I literally just got up from
Shiva what would my father
do and I thought deep down I went deep
down to my soul and I said my father
would not back he would not reneg on his
word and I called yon and I told him yon
it's yours wow I'm I'm forgiving for
going it was it was a tremendous amount
double the money and I needed it so and
you know what happened a week later you
ordered for me and I made more than I
would have made had I sold you the the
had I sold the guns to the the to the to
the the additional orders exactly
because you you order you didn't burn a
bridge and a paay for you exactly and
well it didn't take a long time to see
that Co and PP was crazy that was a
Madness Michael that was Madness that
time and everybody was selling or buying
at that point people get tested yeah
that's crazy to me for me it was a t
yeah gener no I no no I'm not saying
this this this oh this this particular
incident yeah of course how much volume
did you do through PP it was a crazy
amount a lot I I did a one 200,000 I
mean imagine it was a little crazy by
the way it didn't evade me that the
puras sword was 200k and he made 100K
say that sounds like a 50% margin to me
that's amazing um so you did this thing
during Co which probably a lot of people
did and thank God I think it's amazing
that the private sector got involved
because the government totally dropped
the ball on this nobody had anything it
was wild people have to step
up a Mas for the the the 3M that was
ridiculous but anyway I'm saying people
has to have
surpris so what happens next so so what
happened there over and like
the printing I I just kept doing for
select clients I was doing the you know
servicing them because they were you
know they're like we don't know where to
go we don't know what to do okay fine
I'll do it for you keep keep myself a
little busy uh and then this was a
little over two years
ago and we're sitting it was Sunday
morning I'm in sh and a guy turns around
uh one of thep them in the faric and he
says you know I've been looking for an
apartment in Taria for over 3 years I
just can't make up my mind I can't buy
anything he's like I don't know why I
can't seem to find anything I told him
what's the big deal I'll find you an
apartment are we getting to the real
estate stuff now we are ah Hallelujah we
get it Hallelujah I was waiting for that
I when did this real estate ask toer
business start wa for this poting and
we're up to this point we made it took
us two hours to get here but here we are
okay by can we zoom in on you zooming on
this over here could you do this there
it is asker ask it's just funny like you
know everything through his life you
know oh need a kidney I got you yeah
yeah I got you you
need he's a yes man yes man he's a Yes
Man lesson learned by the way literally
teachable moment you know how we used to
do these teachable moments teachable M
be the yes be the yes guy you're missing
out on life otherwise to say you're
missing out on things 100% don't be no
don't be negative be positive be
positive always positive you're like I
got
you yeah so I said I I I I'll find you
an apartment it was a big deal I made a
phone call to a friend and he connected
me with a broker over there and he
showed me an apartment and the guy
literally fell in love with it I was
like okay what what do we do next I got
a call that same day it was Sunday
afternoon I got a call from a friend he
tells me listen there's an attorney from
Israel over here and he wants to meet
with you because you're always making
parties you're always making events he
wants you to do like a host a home
Gathering and uh meet up with him so I
said okay give me his number I'm like
this is
great we met on Monday
morning in my house and I was very I was
like okay by the way I have a guy who's
on the fence over here to to you know he
wants to see I I found an apartment
we're going to need an attorney he's
like great okay I know I want to learn
more about this where where could I he's
like well we're doing a uh we have a an
event an Israel Expo in Great Neck I can
I come he's like yeah free come I went
there I drove in I you know what I think
we should I think I should go I think I
should go I went there and I met the
mortgage broker and I met the guy who
could do the power of attorney and I met
so many developers and over there it's
like a little mini conference guys in
two weeks this guy was under contract
and I like hold on this was very easy
and why don't I create a a a platform to
help Americans buy apartments in
Israel and then I started advertising it
and started telling you know I started
hounding guys and you know one person
I'm like I'm thinking that this guy is
going to be the one he's going to buy
and buy you know and and it just it
spiraled it spiraled and the aser brand
came into existence now I used to just
write ask and then toer if you want to
know something ask ask to Black Ink No
inspiration no nothing I was just
putting out like tips on how to buy and
I was suturing on the internet and so on
and so forth and thank God we closed
with that with that and I set him up
with Airbnb so that he could make money
on his uh very a purchase for
$550,000 whatever it was and he he was
making money he was so happy and he's
still happy and he bought another
apartment by the way I have a few guys
that are repeat clients um for
themselves they're buying yeah for the a
second just to have there just to have
because and they rent it out they'll
rent it out real estate in Israel is
always profitable is always a blessing
and you can never go wrong when you're
buying an apartment in Israel or a house
or a v whatever it is you could never go
wrong in the whole country in the whole
country there's no bad parts there's no
no there's no bad part there is all
going up it's always going up go look in
the history go Google Stephan Google did
Israel's real estate ever go down no did
it stabilize at some point yes is it
going to continue going up yes you know
how he knows he asked T yeah so this is
what you're doing now full so now we're
doing that fulltime I have to tell you
you took your energy of asked Homer and
he took his marketing background
printing knowledge yeah and he went
crazy crazy I'm let me tell you how
crazy he went first of all show us the
sign that you have behind you the as.com
as.com he made this into a sticker okay
this sticker that you see here aso.com
I'm not I'm not kidding ring I want you
to know okay all right that's enough
that's enough yeah yeah put it away put
it
away I want you to know that I was doing
at the cotel and my son looks at me and
he goes ask tobert sticker on the coat
Bel I'm like what are you kidding it's
all over the place I was in a bathroom
in kevron ast.com your name is all over
the place and it's just amazing what
you've been doing and how you how many
apartments have you brokered in the last
couple of years uh over 20 wow yeah
that's amazing that's pretty good
incredible yeah yeah very good how does
it work if if I want to get an apartment
tomorrow by a house in uh Israel is it
similar to how it works over here as far
as the mortgage as far as the percent
you have to put that um like is is it
easy to get a loan over there how does
it work okay so fir first thing first
thing is Identify the property are you
going into a development where you would
help me with that I say I want to buy a
home in Israel I want to you know have a
vacation home there um I don't know what
to do I don't know where to get started
I call you what's the first thing you do
for me first thing first thing is I'll
ask you do you know where you want to go
no okay don't know people not know where
they want to go no okay unless they knew
unless the guy is like I want to go to b
or I want to go to Jerusalem I know very
little all right very good I bring that
two three times in my life second
question I'll ask i' love to get a house
there one day if I'm interested what do
you second question I'll ask you is what
is your budget is it half a million
dollars is it $2 million is it five okay
you'll have guys that I had a guy I just
met now on on vacation he says to me his
father wants to buy a nine bedroom
apartment in ravia now if you if you
know what that means
you're looking you're looking at $10
million by now if I could afford it
let's say my Bud's good 00,000 okay so
if you have 500,000 so then I I'll tell
you by the way Jerusalem is a nice
apartment in Gaza yeah no hold no you
could you could could start somewhere
either at him go if you want Jerusalem
for a half a million dollars I told them
you could donate it to the mirror and
they'll put a plaque over the bathroom
no no no I donate want Jerusalem I want
in Israel somewhere yeah you tell me but
I will tell you I think I'm sorry one of
the questions that you need to ask is
why because I want to be able to go to
Israel and have my own place so you want
it to be
anywhere I don't know exactly so the
first do you want a beach from you want
to ask yourself why do you want to buy
an apartment in is it an emotional buy
which it 99% is in my opinion get to
that you know because although the
property value 100% I agree with you
toer does go up in value I've done the
study and invested in Israel it goes up
in value Equity wise but you're not
profiting on a yearly basis so it's not
a great investment as far as a return on
your investment in every single property
you buy in Israel there are plenty of
Investments that you could buy in Israel
don't get me wrong but not everywhere
you can't just say I want to buy an
apartment in Israel let me just buy some
make money so why do you want to buy an
apartment in Israel I love Israel I
think it's a beautiful country and I
want to be able to go a little bit more
you know now that I'm getting older and
I want to have a place where where I can
go in or around Jerusalem then right
sure it doesn't have to be in or around
within an hour drive to Jerusalem within
minute drive to Jerusalem have a setting
of where to go now we have a setting
yeah exactly in an American area I'd
love to have something a little bit more
modernized something more Western like
right right right so there projects
there are definitely definitely project
with American I mean I wouldn't tell you
I wouldn't send you to Bish anymore I
would tell you the beautiful things go
further out put down a down payment
there's a very popular uh development
strategy that someone was buying an
apartment in Israel sorry you can ask
Michael also I have some answers
we'll get back by the is that you know
you could put 10% down and then over the
course of the next two years or
sometimes three as it's being developed
you give up to 30% more and then you get
a mortgage of 50% that's common proc
okay but let's assume that I find a
place and I guess you're going to start
showing me pictures right you're going
to start I'm not going to actually to go
down there and I find a place and I like
it and I say to I want to buy this okay
it's there my budget it's $500,000
that's a great location house seems
great I want to buy what what happens
next registration form deposit
registration form there's a registration
form if again we're talk I'm not a
citizen yeah you know you're not a
citizen so you're not going through the
process of uh uh a a an existing home or
we're talking about a development the
development you have a developer and
they they need you to do a to that's the
registration form you'll fill it out
give us your passport give me your
license uh and then I get the I get the
ball rolling when just clar you're
talking about a development that takes
under construction under right not a
purchase more let's talk about a house
imediate purchase there yeah immediate
purch immediate okay yeah yeah fine
whatever whatever it is but let's say if
it's an immediate person yes immed what
I do is is uh um send your uh passport I
will provide you with the attorney I
will provide you with the power of
attorney and the mortgage broker should
you need a mortgage uh I need a mortgage
yes you're going to need a mortgage very
how do I get a mortgage I have no credit
in Israel they don't know I'll tell you
about that it's very easy um once once
you uh uh sign a an an agreement we get
you the uh the power of attorney the
documents basically you're allowing the
attorney to sign on your behalf because
you're not going there great we have
that they schedule a signing of the
contract and you need to get a mortgage
what what does it entail well you need
two years of tax returns American Tax
American Tax Returns the banks look at
your income only they don't look at your
expenses as they do over here so they
just look at my income they just look at
your income they don't care about how
much expenses I have they don't care cuz
I could be in the red I could be uh
spending more than I'm earning they
don't they don't they don't care they
they need three months of bank
statements they want to see your credit
score just to see that you're a m so our
credit score here matters there are they
yeah they're just looking to see that
you have above 650 oh okay they don't
have their own credit scoring system
over there they in Israel no really and
and once you provide that that document
I know it sounds funny like okay but
it's easy to get a loan andards here in
America are much uh uh uh greater than
the the Israelis so the Israelis are
struggling to get a mortgage what what
type of percent is the bank offering the
bank gives you by default 50% it's easy
you'll get 50% they give me 50% 50% more
so you have to put down 50 if you that
means you're putting down yeah yeah yeah
okay and you got to you got to
understand why the banks are a little
more Le amount that I'm putting down
exactly the reason why they're a little
more lenient there's a few reasons why I
think they're a little more lenient and
10 20% over it's 50 % you put down
you'll tell me what you think about this
um thought process because I thought
about this a lot the reason why they're
more lenient about approving you for a
loan is because a they're only giving
you 50% there are ways to yeah there are
ways to get an extra 10 or an extra 20
as a secondary mortgage that's number
one number two is they know the value in
Israel keeps going up so they know the
equity leverage on the profit need to
take it back they also don't have
American rules where if you don't pay
your mortgage you're at it's not New
York City you get a tenant out in like
19 years exactly and and the lastly is
interestingly enough everyone has to
take a life insurance policy right a
mortgage insurance mortgage insurance
that means the guy croaks and the bank
is like okay well we we're we're going
to cover they don't have problems with
trusts and challenges with you know
family fight what kind of interest rates
is going on over there in Israel 5% 6%
depending on the time here very similar
yeah a little bit lower actually lower
year now yeah and um and you you get
approved in like three four days it's
like that you're done you get the
approval we got the process going uh we
give the power of attorney to the to the
mortgage guy we give the power attorney
to the attorney he signs on your thing
and obviously we have to transfer funds
to Israel so we use uh Forex uh uh
system to transfer the funds and uh we
simplified nice the whole what's the
this place right now in Israel where are
the young people going the Gaza what's
with this Gaza business Mike that's
awesome you and Trump trying to you
trying to get Gaza going over there yeah
but it's going to take some time but
before then you've got the young couples
are going to uh uh first of all hottest
place yeah y Tel Aviv for the the
non-religious you have Tel Aviv the
religions you have well Tel Aviv is one
of the most expensive real estates in
the world by the way top 10 yeah yeah
okay so not everybody's going to tell
we're not going to tell's like the
Practical places up the Practical places
uh uh would the affordable places would
be in Bish that would be your first
choice to go after how far is that from
Jerusalem 25 minutes roughly okay okay
and then they're surrounding
neighborhoods and areas that uh even 20
minutes from uh from bmes you have a
place called
carat for 450 500 600 you get a
beautiful
apartment uh in an all Ango area you
know or you go a little up north yeah
definitely 20 minutes to 30 minutes away
from Jerusalem the prices go down I
think if you want to educate
the listeners it'll be a fun fact of how
it works per square meter so you have
the pricing per square meter generally
an apartment which is a 100 square
meters think of it as a th000 square fet
as an apartment right so it's a
two-bedroom apartment 100 square meters
right right so uh the price per square
meter in Jerusalem is 45 to
75,000 go go up a little go up to 90
well maybe on new developments you mean
yeah on new that's scary by the way so
high but um it's very expensive and when
you go 20 30 minutes out it's half that
so you you know there's a tremendous
advantage of going 20 minutes out if
you're okay with that I personally so if
I'm the average you know middle-aged
American kind of comfortable here but
you are the average of those both those
things are true um do you recommend that
uh we start looking seriously into
buying is like what's the benefit like
sell me on it what do you tell the
typical person like you got to buy a
house or an apartment Israel and here's
why so one thing is I I I never go with
the tactic of oh my gosh America is
going to blow up and you have to have a
place to run please don't because you
lose me if you do that exactly um you're
buying because you have a lot of the
land and you're buying because there's
also a Mitzvah toy and I know you might
say oh there's other Mitzvah I haven't
done yet okay fine is that true it's a
Mitzvah to buy property in Israel yesu
it's one of the 613 Commandments is yeah
I don't know if it's one of the 613 no
it's when there's maybe when there's the
mdash well there the Mitzvah are taking
steps in Israel even I mean so that in
itself
is I want 613 but
of and you're GNA you're going to want
to have a part and a piece of the land
then you have the Skeptics and they'll
tell you oh you know they're going to be
giving away all the land when Messiah
comes and I'll wait for messiah to come
you have not paying your mortgage number
one and in my humble opinion when comes
trip exactly people for mhia to
come I'll wait for that that doesn't
make because like if Mia just giving
away properties like what about the
people that already own over there like
they lose their houses exactly they lose
their houses add up and and then and
then what about and then you have those
guys and then I
had he tells me uh uh you know remember
you want to start a mashiah fund when
when mashiah comes where are you going
to have money to pay for all the people
that are getting up they going to need
clothing they need food okay so I had
one guy he says to me um you know what
what's going to happen with RI styman
when he gets up and and rim kki they got
up they're going to need they're going
to need a house because they sold their
house already it's not existing so I own
Fire Apartments they're going to tell me
oh well sorry sir you're going to have
to give one apartment to the rabbi and
I'm not going to give the rabbi so I'm
gonna lose thank you give the
rabbi
you you know I don't know I don't know I
don't know if I'm giving away my
apartment to a rabbi I'm struggling with
life here real not worried about what's
going to happen after the fact I think I
said it earlier it's a very emotional
Buy in general you're connected to the
country the holy land and believe in the
process of of the Mitzvah and and
waiting for mashia why wait you know uh
you know let's and I met a guy on a
plane and I said to him uh would you uh
want to consider you know would you
consider buying an apartment he's like
I'm about to sign the fifth contract
already wow I have four apartments and
bu he's doing it as investment at this
point I think I think the message I
would like to say is that you have to be
able to afford it obviously and you have
to be able to afford to not make money
on that apartment it's not something
that like you
know say is ask Tom come ask to.com to
we're we're gonna wrap it we're gonna
wrap we got wrap up in uh in in just a
second you know um we we have a
tradition of going through a lightning
round but I I will tell you that I think
that this entire podcast was a lightning
round and everything you said and so
much we learned and it was so beautiful
so just going to end with asking you
honestly who would you recommend as a
good guest on the podcast and I have to
ask you Rabbi Mansour I mean you
mentioned his name a few times and he he
he is he is our family Rabbi he is my
Rabbi he is my role model am I allowed
to offer someone up for you is that
something that's normal I mean like I
don't know is she can I do that I don't
know if that's in the rules of the
noneof your business podcast the rules
are what we make them to be I want you
to get R by my on thec that's the rules
I think it would be fantastic
dict on to but I I I could bring another
student of his on here um and I I'd love
to call him who's that his name is meer
safdi okay and he has an organization
called care care for special children
okay uh autistic children and his um he
opened up the organization him and his
wife they have two autistic children and
they uh struggled with them for years
not knowing which schools to put them
through and what benefits they could get
from the government
and um
he uh opened up that organization to
help other parents enough said get him
on the phone get him on the phone yeah I
love it well Meer how are you it's nice
to meet you we asked Homer after the uh
after the podcast like we asked all of
our guests who's someone that you would
recommend that would benefit and that we
can grow with and can share their story
and he mentioned you so it's nice to
meet you first of all I understand that
you're on
vacation yes we're on vacation the first
thing that I love that you said you said
you ask toare
ask to you started off with the right
words you ask to so you're one for one
off the back um second of all I actually
I've I've met several times with I guess
it's your brother David yes uh we've met
several times barash is a great guy he's
a very Gifted Man and uh um you know I'm
grateful to to know him so uh yeah and
uh toer is a good friend and he
recommended that we speak so yeah we're
we're on board and uh and I appreciate
the call wow that's amazing okay so
we're going to schedu it when you get
back and we're sorry to bother you on
vacation but it's really nice to speak
with you not a worry I appreciate it
thank you so much and continue your
great work I appreciate it thank you all
the best great
wow what a guy all right everybody don't
forget to like subscribe comment get
involved we are sponsored by the
Serenity Center in Rockland County
therapy is a real thing and it's
recommended to everyone especially if
you don't have to pay for it and
insurance covers it that's amazing wow
and thank you again of course to the
prime source uction team for doing such
a fantastic job Stefan will Kim Skyler
everybody on the team you guys are
amazing that's a WAP have a great day
everybody Michael wait wait wait wait
wait what happened whated Michael you
are a people's person yeah you asked me
to find you a guy to come to your
podcast I'm asking you to call someone
now and tell them I want you to buy an
apartment you are going to make the best
decision of your life look at this guy I
love him I love it I love it that's what
you need that is 100% what you love an
apartment all right fantastic who one I
have a guy for you ushi noiss here I'd
like that to be taken home please okay
but um not at the moment but in the very
near future I think I'm done with
thisit that out exactly have a nice day
all right