The Brooklyn Museumâs newest art and fashion blockbuster is all about gold. Gold jewelry, lots and lots of gold fashion, gold paintings, gold sculptures, gold home furnishings, gold objects and gold bars are exhibited in this shining, brilliant, glittery show.
The Brooklyn Museum is celebrating itâs 200th anniversary and what better way than to showcase some of its holdings. About half of the fashion and objects on display are from the museumâs own collections. The curators decided to focus on the precious metal gold, which was used from ancient times to the present to express the essence of beauty, joy, success, wealth and spiritual enlightenment.
âThe idea came up about doing a show about one medium in the collection for the anniversary,â senior curator Matthew Yokobosky said during the preview. âI based the exhibition checklist on our impressive permanent collection,â he said. âIn reviewing our holdings, nearly 4,000 works are gold or have a gold aspect and span thousands of years, from ancient times to today.â Brooklyn Museum curators chose about 250 works and then enriched them with loans of fashion, jewelry and art. They combined the old (the oldest item being a large sarcophagus lid from the 22nd Dynasty, which is on view for the first time in over a century) with the new, including garments such as a golden-foil ball gown from Balenciagaâs Spring 2022 collection.
The story of gold is told throughout the displays, beginning from when the ancient peoples first discovered it in riverbeds and streams and thought that it was a magical element. Visitors can view a film showing the dangerous conditions that gold miners suffer, all to be able to find some gold and strike it rich. The story continues with objects from many of the worldâs religions, all using gold in art and objects.
Mixed in with all the objects and fashion are some fun film clips. One was of Elizabeth Taylor in the film âCleopatraâ where she was wearing a 24 karat gold cape. Another film that was really enjoyable was from the disco era. For the Broadway-to-film adaption of The Wiz, many NYC artists contributed to the dance sequences that featured more than 100 dancers dressed in golden costumes designed by Norma Kamali.
The âgoldenâ art on display alongside the fashion, objects and film were to me the most spectacular aspect of this show. Early Renaissance paintings depicting religious themes used gold leaf. Japanese screens and golden furnishings from long ago display the richness of those times. And contemporary works from Agnes Martin, Jean-Michel Basquiat and El Anatsui all employ gold in such wonderful and different ways than it was ever used before. And be sure not to miss the wall created by an artist using over one thousand gilded bars! If the bars were solid gold (which they are not) the wall would represent over 1 billion dollars!
This glittery show is for everyone, from young to old. It is thoroughly enjoying and entertaining. Be prepared to not only be wowed by the fashion and jewels, but to enjoy the extravagant, opulent and detail-oriented way this show is presented to us.
âSolid Goldâ runs through July 6 at the Brooklyn Museum, 200 Eastern Parkway, Brooklyn, New York.
Natalie Greenberg is a former Brooklyn College Art History professor. She is currently teaching studio art at MUSEBK.
Joe Nahem spoke of how his creativity began as a teenager when his cousins, aunts and uncles in the community gave him carte blanche to decorate a room in their home. This was the start of a long and fruitful career. A high school dropout, he went back to school to get his GED and degree from Parsons School of Design. An early job made the cover of the New York Times Sunday Homes section. Before he knew it, he was decorating the homes of the rich and famous.
The 6 Honorees of the Sixth Class of 2024 are an esteemed and diverse group who have made tremendous, lifelong contributions to: Entertainment, Interior Design, Jewish Humor, Human Rights, Social Services and preserving Jewish history, in addition to contributing to the incredible and unique Jewish Life and History of the Borough of Brooklyn.
Clips from @OldJewishMen Instagram account were shared with the audience, which had many rolling with laughter. In one clip, David is seen wearing his tefillin in Crown Heights on Erev Yom Kippur asking Hasidic men if they have put on Tefillin that day. âI want the mitzvah of you putting on tefillin. Why canât I have the mitzvah? Why do you always get the mitzvah?â
Joe was interviewed by his older brother Edward and they spoke of working in the family business and how they identified strongly with their Brooklyn roots and family heritage.
This was the sixth in-person Hall of Fame ceremony, bringing the total membership to over 60, including such leading Brooklynites as Joseph Shamie, Dan Hedaya. Clem Soffer, Julie Budd, Sen. Chuck Schumer, Mimi Sheraton, Alan Dershowitz, Fyvush Finkel, Judge Rachel Frier, David Greenfield, Marty Markowitz, Elizabeth Holtzman, Rabbi Joe Potasnik, Jake Ehrenreich, Eleanor Reissa, Bruce Ratner, Lainie Kazan, Neshamah Carlebach, Merle Feld, Judge Judy Sheindlin, Malcolm Hoenlein, and Norman Siegel.
Joe/Joey Nahem was born and raised in the Syrian Jewish community in Brooklyn, New York, where he started out working in his parentsâ retail stores. The third of four children, Joe showed a natural talent for interior design as a teenager, often decorating spaces in the homes of his relatives.
After graduation from Parsons School of Design, Joe and his late business partner, Tom Fox, started Fox-Nahem Design in their early twenties. After 4 decades of experience, Joe and his team change with the times, without falling victim to fads, and curate rare vintage pieces, as well as works with artists, craftspeople and artisans from around the globe.
Since joining Old Jewish Men three years ago, David has become the face of the brand and is recognized wherever he goes in the world. He starred in the movie Sauna Dreams, as well as commercials for Meta, GrubHub, Mikeâs Amazing Mustard, Sperry Topsider, Kalshi, The New York Mets, and has appeared on Live with Andy Cohen and The Kelly Clarkson Show. Most recently Dave was in a commercial for Katzâs Deli that was directed by New York Nico.
BJHI was created to tell the amazing story of the Jewish community of Brooklyn, and the BJHI Brooklyn Jewish Hall of Fame recognizes the leading Brooklynites who have truly made a difference in the world. Visit brooklynjewish.org for more information.
On Friday, November 22, the students and faculty were privileged to receive a visit from the esteemed Rabbi Grossman, the Chief Rabbi of Migdal HaEmek in Israel. The Rabbi was welcomed to our yeshivah by our kindergartners, first, and second graders. The third and fourth graders lined the lobby as Rabbi Mustacchiâs MDY Boysâ Choir sang a warm and beautiful rendition of Yahid El Dagul. The hacham (rabbi) was then led by Rabbinic Leader Rabbi Eli J. Mansour, Principal Rabbi Ezra Cohen-Saban, and faculty members to the stage in our auditorium.
Rabbi Eli J. Mansour stated that Rabbi Grossman is the Abraham Avinu of our time, and just looking at the Rabbi is akin to a mikveh (ritual bath) for the eyes.
Grades 5-8 filled the auditorium, where the Rabbiâs message reached over 400 students and faculty. His message emphasized the importance of tefillah (prayer) and how much of an impact it has on Israel during these challenging times.
At the end of his address to the Elementary School students, Rabbi Grossman was joined on stage by the faculty of our school to receive a beracha (blessing) from the Rabbi during this historic moment.
The family life we have, our exposure to religion, the different cultural experiences of the places and countries where we lived, are what determines who we are today. Gladys Mandalaoui was born in Guatemala to Syrian parents. Her sister Fortuna Debbah and brothers Moises and Abraham were born in Panama. Her family history of living in different countries as well as the values taught by her traditional parents shaped the person she became, full of pride in her heritage.
Esther, Abraham and Fortuna in 1951
The story began in or about 1913 when Abraham Zafrani, a young man born in Aleppo, left his family in Jerusalem. He was looking for a better life and to help his family survive. The Turkish government was conscripting young men and many young men left. He had a kitab (school) education and spoke Arabic.
Abraham traveled to Panama where he met his cousin and other friends. They were selling material to the workers of the Panama Canal. They organized the first Sephardic Synagogue in Panama.
In1923 Abraham met and married Alegre Zayat, who also had a Syrian background and had just arrived in Panama from Egypt. Their daughter Esther was born in 1924 in Panama. Six months later Abraham was offered a better business in Barranquilla, Colombia, so they moved. The business did well and the family was wealthy. They had four more children and sent their children to private secular schools.
Esther arrives in Guatemala in 1952 with her children
They kept the Syrian Jewish traditions. Abraham taught his children Friday night prayers and helped build up the Sephardic synagogue there. He always yearned for his homeland and in 1935 he tried to relocate the family to Israel where the last child was born. They stayed in Eretz Israel a few months and there were rumors of another war. The Arab kids were using words that were offensive. Abraham was disappointed in life in Tel Aviv and decided to bring his family back to Barranquilla, Colombia.
In1940, Abraham sent his son Isaac Zafrani to a boarding school in New York. After seeing the Brooklyn community, he decided to move the family here. He also felt his daughters would meet and marry Syrian men, so they moved to Bensonhurst in Brooklyn, NY in 1942. But in 1944, many Syrian men were serving in the U.S. Army, defending our country during World War II. There were few candidates for Esther to marry. So, her father decided to take Esther to visit Panama, where she had been born. Thatâs where Esther met Leon Abadi, who was also born in Panama, and they married in October 1944, where she had Fortuna in 1945, Moises in 1947, and Abraham in 1950 in Panama. Gladys was born in Guatemala in 1955. They had a store called La Fortuna in Panama.
Leon, Esther, Moises, Abraham and Gladys during a trip
to the Radio Operators Convention
From Panama to Guatemala
Business in Panama was not so good. Leonâs brother-in-law offered him an opportunity to work in a rice plantation in a town in Guatemala. The idea seemed great, but neither of them knew anything about growing rice. Leon was supposed to be sending money to Esther, but the money wasnât coming.
In 1952, Esther moved to Guatemala with the three children and settled there with her husband. Within a few years, it was clear that the rice business was not going to support them and they needed to look for another business.
Another of Leonâs sisters had moved to Guatemala and married. Her husband was a good businessman, and helped Leon identify a small store called El Panameño where he sold textiles. Esther was pregnant with Gladys, so they stayed in Guatemala. Other Jewish community members who owned factories produced fabrics that helped him. By 1957, his inventory was so large that he opened another store where Esther worked.
Temple Magen David in Guatemala
The family was successful in Guatemala and actively participated in the Jewish community and Magen David Synagogue. They were all well accepted by the community.
From 1952 until 1959, the family lived close to the Sephardic synagogue. Leon liked to go to synagogue on Friday nights and Saturday. The community had 500 families, about half of whom were Ashkenazic, and the rest were Sephardic. A few wealthy men supported the synagogue.
In 1959, the family bought a plot of land to build a home. Leonâs brother was an engineer in Panama. He designed the house using drawings sent by Leon that showed the position of the plot, the angles of the sun and other details. Leon was his own contractor. Overseeing the building of the house. Houses in Guatemala did not have basements but Leon insisted on a basement. Gladys and Fortuna shared a room, as did their brothers. It was a ranch style house with a large terrace on the roof.
Moises, Abraham and Gladys stay home in 1965 while Fortuna married in New York.
The family had a housekeeper, gardener and a person who came weekly to do the wash, since they had no washing machine. They had a nice home with big gardens. They raised chickens and got eggs from the chickens. Esther cooked Syrian foods but also learned to make some local foods so the family learned to eat black beans and tortillas. Because Leon was Ambassador of Panama in Guatemala, they entertained often, and Esther served them.
There was one synagogue in the north and another in the south. The house was in the middle so they had to drive to synagogue. The rabbis lived in the synagogue and were all friends of the family. Leon helped the rabbis adjust to life in Guatemala. He helped with fundraising, and helped the synagogue run smoothly.
Kashrut was hard. âMy grandfather was a shokhet and taught my father how to kill chickens. Most of time we ate chicken, killed by my parents, plucked and everything,â said Gladys. âRabbi Moises Zaccai, came from Panama. He was trained at Mirrer Yeshiva and was a rabbi, shokhet and mohel. He killed the cows and chickens. We were among the most religious there. A lot were not religious. Still, Rabbi Zaccai would not eat in our house except for boiled eggs and fruit or uncooked vegetables. When rabbis came, they came to us.â
Moises in his Bar Mitzvah
While Esther helped Leon in his business, she stayed home Sundays and cooked food for the week, always cooking the same Syrian foods that we eat today.
The family had two cars and often went for rides in the car. Esther drove and they shopped for food.
While there were no Jewish schools, the four children had good Jewish role models in their parents. The children attended private schools. Gladys attended an English American school. Fortuna attended a Catholic school. The school was strict and Fortuna had difficulty there. At age 12, for one year, she attended school in New York where she lived with her aunt. Then she returned to Guatemala and attended the Austrian school, where they taught her German. Tuition was about $15 a month.
Guatemala was a Catholic country. âNo one understood why we wouldnât pray the way they did. We had mass in school and when they said stand, we stood while the kids said Hail Mary,â said Gladys, âWe were respectful and didnât talk when they prayed. We knew it was their religion. We never kneeled. Nothing happened to us, we respected them and they left us alone.
Moises Abadi operates the ham radio. All the children were taught by their father to operate it. October 1970
âI never had a play date with them. We knew those are people from the country and we knew we were different. We only associated with them when we had to. We didnât mix with them or mingle. We never invited them to our home. The school had a boys and girls section. At the end of the year, when we celebrated Guatemalan Independence Day, the school brought the boys and girls together to practice for a parade. Thatâs the only time we saw them. They were not Jewish, so my parents would not allow us to mingle with them either.â
Gladys remembers having many Jewish friends. They used to socialize at a Jewish club on Saturday afternoons, where they learned Zionism, Jewish culture, Israeli songs and dances.
Some people had summer homes, where the Abadi children would visit. For fun, they went to fairs, the movies, picnics at a nearby lake, or visited farms. Leon liked the latest equipment. They had a color TV and he was a ham radio operator in Guatemala using the handle TG9AE. Often Israelis would come to try and convince them to make Aliyah to Israel, plant trees and sell Israel bonds.
In 1964, the Abadis sent Fortuna to Brooklyn as she was of marrying age. In 1965 she married Jaime Debbah, where she settled and raised her family.
Gladysâ Wedding in 1975
By 1972, many were leaving Guatemala because they wanted a better education for their children so went to the United States. There was also the issue of safety as there were kidnappings and people couldnât go out at night. As a diplomat, Leon had many parties at his home.
A few families made Aliyah to Israel. In 1972, Leon was appointed as a Delegate of Panama to the United Nations and he moved the family to Brooklyn. Gladys attended and graduated from Lincoln High School in 1972.
Both Moises and Abraham went to Panama and married women from Barranquilla. Moises married Rina Gateno in 1980. Abraham married Miriam Birbragher in 1981. Abraham worked in the consulate of Panama in New York when he married Miriam. Then he became Vice Counsel of Panama in Bogota.
Gladys met Sol Mandalaoui, who was born in 1950 in Egypt and came to New York in 1962. They were married in January 1975 and had three children â Ikey, David and Pauletteâand they all married in the community. Gladys and Sol have ten grandchildren ranging from ages 23 to 10 years old.
Leon passed away in 1990 and Esther passed away in November 2024 at the age of 100. Baruch dayan emet (blessed is the judge of truth). q
Magen David Yeshivah Warriors Assist Habayit in Making a Difference
Many sports teams often spend hours practicing together to build unity and enhance their skills, but itâs also important for teams to take their sense of unity and make an impact off the court. As Coach Ike Spike Dweck is known to say, âAt MDY, we get young men ready for life, not just basketballâ! And so, on a Sunday afternoon in December, the Magen David Yeshivah Varsity Basketball team demonstrated what it truly means to be a team by coming together to do an act of hesed (kindness). Partnering with Habayit, the community organization that provides short term apartments for people who come to NY for medical treatment, they set out to help families in need by moving heavy furniture and belongings from one home to another.
Known for having skills and determination on the basketball court, these Magen David Warriors showed that their dedication extends far beyond their athletic performance. Recognizing the challenges some families in the community face during their transitions, the team decided to step in and lend a helping hand. With rented moving trucks and a desire to make an impact, the players spent their Sunday hauling beds, couches, boxes, and other household items, making the moving process easier for a struggling family.
Teamwork on and off the Court
The values that make a great basketball teamâcommunication, trust, and a shared goalâare the same qualities that contributed to the success of this hesed project. âOn the court, we always rely on each other. Whether itâs moving the ball or supporting a teammate during a tough game, we know we are stronger together,â said team captain Philip Sherr. âOff the court, itâs no different. Helping others is a way for us to practice those same valuesâworking together as a team to make a difference.â
The experience demonstrated the depth of the teamâs bond, with players coordinating their efforts as if they were executing a play. They divided up the work, communicated effectively, and worked with precision to get each item moved quickly and safely. The boys learned firsthand how teamwork can change livesânot just through sports, but through the simple, meaningful acts of kindness that strengthen the fabric of a community.
The Importance of Hesed in the Community
For the players, the experience was also a valuable reminder of why doing good for others is so important. The concept of hesed teaches that kindness should flow freely and selflessly, without expectation of reward. The basketball team took this lesson to heart, understanding that service to others is an essential part of being responsible community members. âOur team has always believed that our purpose is bigger than just playing basketball. We strive to be leaders and role models, both on and off the court,â said captain Joshua Chabbott. âDoing hesed is about helping people in ways that truly matter, and it made me feel good while doing it too.â
Looking to the Future
As the season continues, the team is excited to carry the lessons of hesed into their future games and beyond. Theyâre committed to putting in the work and making an impact, whether they are on the court competing or off it, contributing to the well-being of others. As the basketball season progresses, this act of charity serves as a reminder of the importance of teamwork, not just in sport, but in the larger game of life. The team has shown that their commitment to working together doesnât end when the final whistle blowsâitâs a mentality that extends to every part of their lives, proving that hesed and hard work go hand in hand, on and off the court.
âA decade ago, on December 1, 2014, we opened the doors to the DSN Community Center with the dream of transforming community life on the Jersey Shore. Today, we can proudly say that dream has come true!â That is how DSNâs Executive Director Sammy Sitt, who has been leading the Community Center from day one, summed up his feelings. Sammy credits the Community Centerâs success over the years to his staff, whom he calls the âDSN Dream Teamâ.
The milestone anniversary celebration began on Monday, December 2, with a heartfelt acknowledgment of the staff. A special âHappy Anniversaryâ cake was presented from the DSN Seniors to the DSN staff, in recognition of their unwavering commitment. Next, Sammy introduced each of the staff leaders to the Seniors. âI want you to meet the heart and soul of our Center, the people who work every day to build our community.â The staff, many of whom have been at DSN since it opened, were overwhelmed. Each of them spoke to the gathering of nearly 100 people.
David Belhassen, DSNâs Building & Facilities Director, working with DSN for nearly 15 years explained, âWorking at DSN doesnât feel like work. It feels like being with family. Watching DSN evolve has been the most beautiful experience, and Iâm grateful to contribute to the smiles we bring every day.â
Marcella Missry, DSNâs Finance Director, also with DSN for nearly 15 years, reflected on the journey. âItâs been an honor to see the incredible growth of both DSN and the community. First with my very own children and now with my grandchildren, Iâm proud to be a part of it and excited for whatâs next.â
Sharon Carlstrom, DSNâs Fitness Director, shared her sentiments about the occasion, remarking âI am so happy to be celebrating DSNâs 10-year milestone! The fitness and group exercise program has grown tremendously since its establishment, and we couldnât have done it without the commitment of members and the hard work of our team.â
Other leading staff who spoke at the gathering included Frieda Betesh, DSNâs Membership Director, Jon Entel, DSNâs Sports Director and Frieda Shamah, DSNâs Youth Director.
The DSN Community Center building was decorated to honor the anniversary. Visitors were greeted by a festive balloon arch at the entrance and a walk-through history. A stunning display of 10 posters lined the hallways. These posters illustrated key moments from the buildingâs history, from its groundbreaking construction to cherished memories of the first programs and events. A continuous slideshow played in the lobby, offering a nostalgic look back at a decade of achievements.
DSNâs Youth Department brought their trademark creativity to the festivities. Children in after-school programs received custom cupcakes, while Club Friday featured a special session with Sara Chehebar, where kids decorated 10th-anniversary cupcakes and crafted snow globes featuring the DSN logo in art class. The activities highlighted the importance of engaging and nurturing the next generation.
The DSN organization was born in 2007, seven years before the Community Center opened. It came about from a collective need identified by young parents to provide extra-curricular and Sunday activities for the communityâs children. Before DSN existed, parents sought to enroll their children in after-school programs and sports leagues, but options only existed outside the community and on dates that conflicted with the Jewish holiday calendar. DSN was envisioned as a solution: an organization where everyone could come together within our own community, protected and secure, while being true to our traditions. However, without its own building, DSN relied on renting local facilities to provide its programming. Eventually, the demand from the community for more programming necessitated DSN finding its own building, which it did in 2013. One year later, the Community Center opened.
The ribbon-cutting ceremony, a decade ago, attended by esteemed community Rabbis and led by Chief Rabbi Saul Kassin AâH, symbolized the beginning of a new chapter. That chapter has since unfolded into a story of resilience, connection, and growth. Since then, the Community Center layered on programming, so that it currently caters to all ages from little infants to our most-respected Seniors.
âDSN is a pillar of community growth. Without DSN, we wouldnât be where we are today,â said DSNâs Adult Director, Caleigh Silvera. âItâs easy to see that DSN is not just a center; itâs a cornerstone of our identity and lifestyle.â
As the DSN Community Center celebrates its 10th anniversary, the focus remains forward-looking. DSN continues to innovate, expanding with programs and opportunities that bring people together and foster Jewish pride. It has become a beacon of community, inspiring all who walk through its doors.
Sammy puts the past 10 years in perspective. âTalk about growth. Before we opened our building, we were a startup company with 4 full-time employees and a vision. Today, we have nearly 100 employees at our Community Center, all who have contributed to get us where we are today. This 10-year anniversary is a testament to their passion, as well as the dedication of our amazing executive board, and of course our countless volunteers. With Hashemâs continued help, the future is very bright for DSN and the entire Jersey Shore!â
DSN Staff CelebratingDSNâs Head Staff Being Honored By SeniorsDSN Girls CelebratingDSN Ballerinas Celebrating10 Yearsâ CupcakesFrom 2014âs Ribbon Cutting CeremonyFrom 2014 Pre-Construction In The Old Acme2013âs Initial Fundraiser At Home Of Ruby Franco Aâh
Receiving a car insurance renewal with a significantly higher premium has become an all-too-common experience in recent years. Whether you reside in New York, New Jersey, or another state, chances are your rates have jumped dramatically. Many factors contribute to this increase, ranging from state regulations to rising repair costs and thefts. Understanding the driving forces behind these changes can help you navigate your options and even lower your premiums.
Auto insurance is state-regulated, meaning each stateâs insurance department oversees policy coverages, company solvency, and, yes, rate approvals. In New York, for instance, the Department of Financial Services must approve any increase over 5%. Despite being one of the most restrictive regulatory environments, the department has granted notable rate hikes to several top insurers in recent years. Insurers must provide evidence justifying their need for increased rates, often pointing to the rising costs of claims and maintaining profitability. For context, a car insurance company typically aims for a modest 5% profit marginâequivalent to just 5 cents on the dollarâfar from the returns most corporations expect.
Several factors are driving the steep increases in premiums. The cost of new and used vehicles has surged, making car repairs or replacements more expensive than ever. Advanced vehicle technology, including sensors, cameras, and multiple airbags, has driven up repair costs, and in many cases, vehicles are declared total losses because repairs are simply too costly. Vehicle theft is another significant factor. For instance, certain Hyundai and Kia models have been highly targeted due to vulnerabilities that make them easy to steal. Despite efforts by manufacturers to address these issues, insurers remain hesitant to cover these vehicles without clear proof of fixes.
Adding to the pressure on rates, many insurance companies experienced substantial losses over the past two years. While insurers profited during the COVID-19 pandemic due to reduced driving and fewer accidents, the subsequent return to normal traffic patterns, coupled with the rising costs mentioned above, reversed that trend. Insurance regulations in states like New York also limit how insurers can address losses, requiring them to renew 98% of their policies annually, even if a customer has multiple claims. Consequently, many insurers have become more selective about new policyholders and scaled back their operations in certain markets.
So, what can you do to lower your auto insurance premiums? Start by exploring all available discounts. Many insurers offer savings for completing accident prevention courses, bundling policies, or maintaining a low annual mileage. Features like anti-lock brakes, airbags, and stability control can also qualify for discounts. Additionally, some companies provide incentives for safe driving through monitoring devices or smartphone apps. Other options include raising deductibles on collision and comprehensive coverage, or even dropping those coverages on older vehicles.
Your credit score can also play a significant role in determining your premium. Studies show a strong correlation between better credit and fewer claims, which is why many insurers use credit as a factor in setting rates. Improving your credit score could lead to substantial savingsâsometimes up to 150%.
When it comes to claims, not all are treated equally. In New York, for example, certain claims, like those involving collisions with animals or being hit while parked, are not surchargeable. However, insurers may still consider claim frequency when deciding whether to renew your policy. Claims involving at-fault accidents, especially when damages exceed $2,000, are typically chargeable and will likely impact your rates for up to 39 months.
Tickets and moving violations can also affect your premiums, although insurers handle them differently than the Department of Motor Vehicles (DMV). While the DMV counts violations for 18 months from the violation date, insurers typically count them for 39 months from the conviction date. This discrepancy is important to keep in mind when dealing with tickets.
Some insurers offer accident forgiveness, either automatically after a certain period or as an optional add-on. This coverage can protect you from rate increases after a first accident, which could be a worthwhile investment depending on your driving history.
In todayâs challenging insurance landscape, understanding how rates are determined and exploring all possible discounts are your best defenses against rising costs. By taking proactive steps, such as improving your credit score, taking advantage of available discounts, and driving safely, you can mitigate the impact of higher premiums while maintaining the coverage you need. For personalized advice, reach out to your insurance agent or consult with a professional to make the most informed decisions about your policy.
David H Cohen has been an Allstate agent for 35 years and his son Eli Cohen owns an Independent Insurance Agency. Our family has been a member of the community for many years with all of my children attending Yeshivah of Flatbush. David still maintains an Allstate agency and can be reached at 718-874-9240 davidcohen@allstate.com
Imagine stepping into a time machine. Youâre whisked decades into the future and come face-to-face with your retired self. What would they say? Would they thank you for the decisions youâre making today, or would there be a list of regrets they wish you had avoided? Thinking about your future self can provide valuable insights into the steps you should take now to secure financial stability, peace of mind, and a fulfilling retirement.
Lesson 1: Time Is Your Most Valuable Asset
One of the first lessons your future self would likely emphasize is the power of compounding. The earlier you start saving and investing, the more time your money has to grow. For instance, if you invest $500 a month at an average annual return of 7%, it will grow to $900,527.30 in 35 years. Wait just 10 years to invest, and that same $500 monthly grows to only $405,035.85. Starting early isnât just important â itâs transformative.
Your future self might also remind you that time isnât just about investments; itâs about life. Retirement isnât merely a financial milestone â itâs a chapter filled with memories, adventures, and moments. The financial choices you make today buy you freedom to enjoy those moments tomorrow.
Lesson 2: You Canât Save Your Way to WealthâInvest It
While saving is essential, your future self knows that saving alone is not enough to keep pace with inflation and rising living costs. Money sitting in a savings account earning 1% interest (or less) loses purchasing power over time. Investing in a diversified portfolio of stocks, bonds, and other assets is how you build true, lasting wealth.
Your future self might say, âDonât be paralyzed by fear or indecision.â Market volatility is inevitable, but history shows that long-term investors tend to be rewarded. Staying invested through market ups and downs can lead to greater wealth than trying to time the market.
Lesson 3: Health Is Wealthâ Plan Accordingly
As your future self reflects on retirement, they may stress how interconnected health and wealth truly are. Medical expenses can be one of the largest costs in retirement, and without proper planning, they can derail even the most carefully constructed financial plan. Long-term care insurance, a health savings account (HSA), or simply prioritizing a healthy lifestyle today can pay dividends in the future.
Regular exercise, a balanced diet, and preventive healthcare are as much an investment in your future as any financial decision. Your future self might say, âStay active, because the true joy of retirement isnât just financial securityâitâs having the health to enjoy it.â
Lesson 4: You Need a Purpose Beyond Money
Itâs easy to focus exclusively on the numbers â 401(k) balances, stock market returns, and withdrawal strategies. But your future self might remind you that retirement isnât just about financial security; itâs about finding purpose and fulfillment.
Many retirees struggle with the transition from work to retirement. The loss of a structured routine or professional identity can be unsettling. To combat this, your future self might encourage you to think beyond your career. What hobbies, causes, or relationships bring you joy? Investing in those areas now can help ensure a fulfilling retirement later.
Lesson 5: Debt Is a Silent Thief
If your future self could rewind time, they might urge you to address debt as early as possible. High-interest debt, like credit cards or payday loans, erodes your ability to save and invest. Even âgoodâ debt, like a mortgage, needs to be managed carefully.
A retiree carrying significant debt faces a double-edged sword: reduced cash flow and increased stress. Your future self might say, âEliminate high-interest debt, and be strategic about low-interest debt.â
Lesson 6: Donât Underestimate the Power of Professional Guidance
Your future self has likely seen many people make costly mistakes because they didnât seek professional advice. Whether itâs tax planning, estate planning, or investment management, having a trusted financial advisor can help you avoid pitfalls and maximize opportunities.
Your future self might say, âA good advisor doesnât just crunch numbers; they help you navigate lifeâs complexities and keep your emotions in check during uncertain times.â The peace of mind that comes from having a solid plan is invaluable.
Closing Thoughts: A Conversation Worth Having
The idea of meeting your future self is, of course, a thought experiment. But itâs a powerful one. Imagining what your retired self might say can help you make smarter decisions today. By prioritizing time, investing wisely, safeguarding your health, and staying true to your values, you can build a future that your retired self will look back on with pride and gratitude.
Your future self is counting on you. What will you do today to make their life extraordinary?
The content is developed from sources believed to provide accurate information. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance does not guarantee future results. Consult with a financial professional regarding your specific situation.
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A Tribute to Sephardic Contributions in World War II
Raquel Hanon Boujo
The Sephardic Heritage Museum recently set up a showcase at the Sephardic Community Center in Brooklyn, New York, featuring a remarkable collection of artifacts from World War II. This exhibit highlights the contributions of Syrian Sephardic servicemen, alongside Egyptian, Persian, Iraqi, and other Jewish soldiers who valiantly served during the war.
Among the treasured items on display are Mickey Kaireyâs tefillin bag, hat, war boots, and a heartfelt letter he wrote during his time in service. Also featured are Meyer Cohenâs Army Identification Card, his Persian Gulf Command Shoulder Sleeve Insignia, a wartime meal card, A Short Guide to Syria, and A Pocket Guide to Egypt.
The exhibit includes Jack Maslatonâs Certificate of Merit, awarded for his service in the European Theater Operations of the United States Army. Youâll also find a photograph of Sarah Kairey alongside fellow Red Cross volunteers, and Fortune Tawil Manopala, showcased in her raid warden uniform during the war.
One of the exhibitâs highlights is a four-page record of American Syrian Jewish war veterans. These pages honor many members of our own community, including great-grandparents and grandparents who proudly served and sacrificed during this pivotal time in history.
We invite you to visit the Sephardic Community Center to experience this incredible display of heritage and history. Donât miss this opportunity to connect with the legacy of our communityâs heroes.
Raquel Hanon Boujo is an accomplished author, humorist and mother from Brooklyn NY.
Itâs well known that the faculty at Magen David Yeshivah High School is unparalleled and that student-teacher relationships are our claim to fame. This yearâs Educational Enrichment Program, sponsored for the success by Jacob & Shelly Orfali for the success of their children & grandchildren, was MDYHS Mystery eXpedition, which took place on Wednesday, December 4th, 2024.
The program was designed to afford every student the opportunity to get to know and bond with their teachers outside of the formal classroom. Students were invited to select any teacher that they would like the opportunity to spend a day with on a mystery expedition preselected by that teacher. Some students didnât know where they were going until the buses pulled up to their locations! The actual trip was secondary. The point was choosing a teacher they wanted to get to know better. The day was filled with fun, bonding, learning, and excitement.
At Magen David Yeshivah High School learning takes all forms, and we are sure this out of the classroom experience was extremely valuable. Thank you Dr. Daniel Vitow and everyone who worked behind the scenes that made this day possible.
Another little Jewish girlâs world completely overturned. I am screaming from the rooftops as loud as I can, but I am one person and my voice wonât carry as far and wide as it need.Â
As I sit in my living room with my kids safely tucked in their beds, I am reading about another little girl whose world was completely overturned. The tears will not stop falling and I feel as if I was punched in the stomach. I want to throw up, I want to scream, I want to run upstairs and gather my own children in a safe embrace and never let go. A 7 year old child was recently kidnapped and assaulted in Ashdod. The perpetrator was Jewish, looked like a nice man and said a very common lure for kids. âYour father sent me to pick you up today and I have some candy for you.â That is all it took, that is how quickly it took to shatter this child and her parents trust and change their lives.
This story saddens me but even more than that it angers me. I have sat across principal after principal, parent after parent, telling me that I am âoverprotectiveâ âwhat are the chances?â âHashem is watchingâ and other comments of the like.  I want to say to all of you, you are right. You are right!, Hashem is watching. Heâs watching us make mistakes, heâs watching us take these precious gifts for granted, heâs watching the diamonds he gave us go unprotected by the people who vowed to do that job.
Youâre right I am overprotective. I spent years feeling bad about myself and doubting my need to protect all children. I questioned myself, a lot. But then I came to the conclusion that, Iâm fine with it, I am comfortable and happy with being overprotective. Now donât get me wrong, there is a fine line between being anxious and nervous and constantly in a state of panic versus protecting our children in the ways they deserve to be, but setting up rules, regulations and protocols to protect our neshamos?, No! That, is not overprotective, that is our job as trusted adults.
You are right âwhat are the chances?â It was one story right? Leiby Kletzky was one story right? An abomination that should never happen and probably wonât again right? Wrong, there are unfortunately countless people reading this that understand all too well the dangers we are referring to. If you donât, count your brachos, but donât get complacent. Donât be lulled into a false sense of security. Donât check out from your role of protector.
What can we do?
I run Magenu, an organization dedicated to the protection of children, and I see every day how important it is to teach our children basic safety lessons, but more importantly I see how children are so vulnerable and so trusting that it is completely insane to expect them to protect themselves. To ask a child to be solely responsible for making the right decisions is unfair and unsafe. Many of you are thinking, my child would never walk away from the line, my child would for sure check with me because we spoke about that. Think again; when a child is in an actual situation, unless they are really prepared they will likely make the wrong decision. They get confused and scared and intimidated.  Saying NO to an adult or even speaking up is more difficult than you can imagine.  It is therefore, the adultâs job to protect that child. The responsibility falls on all of us. Parents, we have to talk to our kids about these types of scenarios, role play, discuss situations and what your rules are, if you never speak about it your child will never have the knowledge to pull from, if it should arise. School administrators, you have to set up protocols where children are being protected, who is allowed to pick up this child? What if someone else shows up? Who is making sure the kids are getting on the buses? Who is making sure the kids are getting in the right cars? These are topics every school needs to discuss and regulate. I do not think it is an easy job for a school, in fact it is really difficult, parents get upset when they have to be inconvenienced, thereâs not enough staff to monitor all the kids etc. These problems pale in comparison to the pain and suffering that 7 year old girl will face. Close your eyes and picture that 7 year old girl, the fear, the pain, the confusion. Now imagine telling her, that you could have prevented all that but it was too difficult to figure out. Donât be reactive be proactive.
I am screaming from the rooftops as loud as I can, but I am one person and my voice wonât carry. Please, please join in so our voices are strong and can be heard. I want to protect all of our children, all of your children, donât you? Donâtâ you want to protect your own children, your siblingâs children, your neighborâs children, your nationâs children? Hashem is watching; letâs show him how much we love his children, how grateful we are to have been blessed with watching over them.
Please join me in a night of prevention and awareness where the topics discussed will be, âwhat is the role of the adult in regards to the safety of our children? Taking the responsibility off the child?â
Benefits of Selling Your Home Without An Agent (For Sale By Owner, FSBO)
Search online and youâre sure to find people who have had success selling their homes without an agent. However, there are far more horror stories. Most sellers choose the FSBO route to avoid paying a commission to a real estate agent. Typically, the buyerâs agent and the sellerâs agent split a commission of 4 to 6% of the homeâs purchase price. Say, the purchase price is $700,000. You can save lots of money.
When you decide to sell without an agent, you will have to study what is involved in a real estate transaction, because you are in charge. When potential buyers call to ask questions about the house, you have to answer them. The first few times, this may seem exciting, but it will eventually become tiresome. Where will you advertise your house? Do you have time to show it to potential buyers? Are you a lawyer? Youâll need to know all of the current real estate laws. Not only do you need to know the current real estate lawsâand then thereâs the closing.
Selling a home is one of the largest financial transactions you will ever be a part of. Why would you want to attempt it alone?
Benefits of Hiring An Agent
Realtors sell homes faster. They have access to a multiple listing service (MLS). This is a membership only list, available to real estate brokers and agents. Not only will your agent be able to add your home to the MLS, but they also come with a built-in network of buyers looking for a home. From a strong social media presence to a well-designed website, your real estate agent brings plenty to the table.
You will have to pay a commissionâmost of the time that money is well-spent, because youâll be hiring an expert with intimate knowledge of the local real estate market and how real estate transactions work. An agent will know how to price your home just right. A list price too high will scare off potential buyers, while a list price too low may have potential buyers wondering whatâs wrong with the home.
A real estate agent can be objective, without the emotional attachment you have to your home.
Plus agents have professional negotiating skills, because itâs what they do for a living. Real estate transactions come with a large amount of paperwork, which can become overwhelming. Your real estate agent knows exactly how to handle the paperwork throughout the process, and they understand real estate laws. You wonât wind up in court due to a law you were unaware of.
A real estate agent will know exactly how to show off your home in the best light with amazing listing pictures and theyâll know how to show it.
There are many benefits that come along with hiring an agent when you sell your home. Real estate transactions are complicated and the expertise of an agent is priceless. Chances are you will sell your home for a higher price and faster
PEOPLE WITH ADHD know how much the condition can affect all aspects of their life â from how well they do in school to their relationships. But many people with ADHD may not be as aware of just how much the condition can influence their eating habits. And if left unchecked, these poor eating habits could eventually affect their mental and physical health.
Some of the most common problems are âhyper fixationâ and binge eating. Hyper fixation is an intense fixation on certain activities or interests but can include eating habits, too. This means some people may only eat a specific food or meal for a while before becoming tired of it and moving on to a different food or meal.
Studies have also shown an association between ADHD and certain eating disorders, with binge eating disorders being one of the most common. Binge eating disorder is when people consume large amounts of foods over a short time, even when theyâre not hungry. Itâs estimated that almost a third of people in the U.S. who have binge eating disorders also have ADHD.
Some experts believe that people with ADHD may overeat to satisfy their need for stimulation. Binge eating may also happen because ADHD makes it difficult for people to have self-control and self-regulation, meaning they may be more likely to overeat if theyâre feeling sad or angry, and they may not find it as easy to know when theyâre full.
Some evidence suggests that binge eating in people with ADHD may be attributed to a heightened neural-reward response to food rather than impulsivity. This is when the brain is exposed to a stimulus that is rewarding and responds by releasing an increased amount of dopamine, a chemical in the brain associated with reward and pleasure. However, impulsiveness (another symptom of ADHD) may also lead people to overeat â especially foods that are unhealthy.
Some ADHD medications can also suppress appetite during the day. But as the drugâs effects wear off in the evening, appetite increases, which may lead to binge eating. Sensory issues may also explain why some people with ADHD tend to eat or avoid certain foods. Certain textures or smells may cause sensory overload, making it difficult for people with ADHD to eat them â leading to avoidance of those foods or food groups altogether. Dopamine may explain why people with ADHD prefer high-sugar foods.
Thereâs also evidence that people with ADHD tend to gravitate toward junk foods, especially food that is high in sugar. This may be because high-sugar foods stimulate the release of dopamine. People with ADHD have lower levels of dopamine. As such, they may be more likely to seek dopamine out. Since eating simple carbohydrates like candy triggers a rush of dopamine in the brain, this may be why people with ADHD tend to hyper-fixate or binge on these foods.
NUTRITION AND ADHD
Not having a varied diet or only eating foods that may be high in sugar can lead to a range of health problems, from vitamin deficiencies to obesity. High-sugar diets can also affect energy levels and mood. Highly processed additives and preservatives, may also change behavior and cognitive development.
Several studies have shown nutritional deficiencies can affect behavior and cognitive function in people with ADHD. Vitamin D and magnesium, in particular, are important, they may improve attention and decrease hyperactivity somewhat. Vitamin D can also affect the way dopamine forms in the brain.
But even though ADHD can make it harder to keep eating habits in check, if you have ADHD, there are things you can do to improve the situation. Here are some of them:
1.PLAN
Shop and plan meals for the week ahead. Planning meals makes it easier to decide what and when to eat and may help you avoid buying or bingeing on unhealthy, processed foods.
2.EAT SMALL BUT NUTRITIOUS MEALS THROUGHOUT THE DAY
If these are planned, it can help you avoid filling up on unhealthy snacks â and may also help you avoid evening binges if youâre someone who forgets to eat throughout the day or medication suppresses daytime appetite. A balance vegetable, protein and complex carbohydrates (such as chicken, beans, and whole grains) and healthy fat will help you get enough proper nutrients and vitamins but will also help you feel fuller for longer and give you energy. This also helps brain focus and function better.
3. CREATE A HEALTHY FOOD ENVIRONMENT AT HOME
Keep nutritious snacks in sight â such as fruit or vegetables, nuts and seeds, which may help improve your attention.
4.SUPPLEMENT CERTAIN VITAMINS AND MINERALS
People with ADHD are more likely to be deficient in certain micronutrients. Ask your doctor if including omega-3, magnesium, and zinc would be right for you. These nutrients are important for ensuring the brain, body, and immune system all function at their best.
While it may not always be easy to adjust your diet, working with a nutritionist, a psychologist, a psychiatrist, getting help from a loved one, or even using a daily meal planner may all be useful in helping you get on track. Even making just a few small changes to your daily eating habits can have a big positive impact on your daily routine and wellbeing.
I see many clients with ADD/ADHD who struggle with eating disorders. Once they find what I call their right cocktail they find success. What is the right cocktail? Everyone is different. For some it is going to therapy, a dietitian, exercise and taking supplements and for some taking right medication along with above is like putting on eyeglasses for someone who couldnât see. If you are struggling find out what your right cocktail isâreach out to professionals to help you find it so you can live you best life.
Laura Shammah MS, RDN specializes in eating disorders but has clientele that run the gamut from people dealing with PCOS, infertility, hypertension, high cholesterol, Crohnâs disease, diabetes and cancer. She also helps clients who run in marathons, are pregnant and those who would like to lose or gain weight in a healthy way.
