SANDRA LAZAR

INDUSTRY RESEARCH INDICATES THAT 82% OF SMALL BUSINESSES FAIL DUE TO POOR CASH FLOW MANAGEMENT. WE’VE ALL HEARD THE TERM “CASH IS KING. SO HOW DO WE WORK ON ENSURING THAT WE HAVE THE PROPER CASH FLOW THAT’S NEEDED IN OUR BUSINESS?

What is Cash Flow?
Cash flow measures the company’s sources and uses of cash. When a customer pays for goods and services, the money received is a source of cash, also called “cash in.” When a business pays its bills or its employees, that is considered a use of cash, or “cash out.”

When the amount of cash coming into the business is larger than the amount of cash leaving the business, there is a positive cash flow. That is a good sign.

On the other hand, if a business has more cash leaving the business than coming into the business, it has a negative cash flow. This is problematic for a business. One way to avoid having a negative cash flow is by doing a cash flow forecast.

What is Cash Flow Forecasting?
A cash flow forecast is similar to a budget. However, rather than summarizing prior activity, the forecast looks ahead to predict and plan future cash flow. Cash flow forecasting is important whether a business is doing well or struggling. Regularly preparing cash flow forecasts is considered good financial hygiene. Knowing what’s likely ahead can help businesses plan accordingly. For example, companies with a cash-positive forecast might look to make some investments, expand their operations or make additional distributions to its owners. Cash-negative companies will need to keep close tabs on their cash flow to keep operations running smoothly by paying suppliers, employees, taxes and lenders on time.

How do I manage my business’ cash flow?
Stay on top of your bookkeeping regularly. This means having your accounts reconciled monthly and keeping information up to date. Having an experienced bookkeeper to handle this is crucial to your business.

Generate cash flow statements to be analyzed monthly. Analyzing your cash flow will give a deep level of visibility for your business. The statement will help you determine whether you need to increase your cash flow. It will also help you see what areas of the business to focus on.

Look to see where you can streamline your spending. Overspending can result from covering unnecessary expenses or paying for expenses at times that are not strategic.

Rinse & Repeat: The more you analyze your financial statements, the better you will become at spotting opportunities to increase cash flow and nip shortages in the bud before they become larger issues.

There is a famous saying: “Revenue is vanity, profit is sanity and cash flow is reality.”

This article is to be used for informational purposes only and does not constitute legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Lazar Accounting assumes no liability for actions taken in reliance upon the information contained herein.

Sandra Lazar graduated Brooklyn college in 1995. She has served as a CFO in a variety of businesses for the past 25 years.

ARI BAUM ®

$100 IS ON THE TABLE, AND YOU ARE GIVEN A CHOICE. YOU CAN EITHER OPT TO RECEIVE A GUARANTEED $50 OR TAKE A RISK BY FLIPPING A COIN. IF THE COIN LANDS ON HEADS, YOU GAIN $100, BUT IF IT LANDS ON TAILS, YOU RECEIVE NOTHING. GIVEN THIS CHOICE, MOST INDIVIDUALS WOULD LIKELY CHOOSE THE ASSURED $50. HOW ABOUT YOU?

Now, consider a scenario where the focus shifts to potential losses. Imagine you are at risk of losing $50 right from the start. Furthermore, envision that in the coin toss, landing heads would result in a loss of $100, while landing tails would mean no loss at all. Here, most folks choose to flip the coin. What would you do?

In the realm of financial choices, fear and greed often play pivotal roles, influencing decisions that may not be in one’s best interest. The inherent fear of losses and the allure of gains can lead individuals to make emotional decisions that disrupt our ability to make sound, long-term decisions.

How $25 Trillion+ Has Been Lost
To Greed & Fear In 35 Years
1987 Stock Market Crash (Black Monday)
When: Monday, October 19, 1987
Why: Panic! Wall Street melted down, giving into fear in response to major world events. A U.S. attack on an Iranian oil platform caused a massive panic, with fear driving many to sell ASAP. Markets crashed soon after.

The Losses: The Dow dropped 22.6%, falling 508 points. That’s roughly the same as a 7,000-point freefall in today’s markets.

Dotcom Bubble
When: 1995 to 2002, with a peak on March 10, 2000, and a crash on October 4, 2002
Why: Extreme optimism in the early internet age sparked overconfidence, widespread speculation, and overvaluations. Folks gave into greed, rushing to invest in companies and concepts before they had proven models or even a business plan. That lasted for years until the bubble burst in late 2002, as investment dollars dried up and many tech companies went under. When the bubble burst, greed turned into FEAR as investors rushed to get out.

The Losses: The Nasdaq fell nearly 77%, dropping from roughly 5,132.52 (in March 2000) to 1,139.90 by October 2002. Tech companies that didn’t go under saw their values decline by as much as 80%. All said and done, the burst of the dotcom bubble resulted in losses of around $5 trillion.

Cryptocurrency Bubble & Bust
When: 2020 to 2022
Why: Crypto has been through a couple of bubbles and busts. The most recent one happened during the pandemic, with greed gripping many folks out of work and bored at home. That’s when optimism and crypto greed was high, with many rushing to buy the newest blockchain assets available, including nonfungible tokens (NFTs). Some of these assets appreciated by 20 to 40 times their original value, stoking investor greed. But it didn’t last. Rising interest rates, inflation, and world events, like the war in Ukraine, soon turned that greed into fear. That fear led to a crypto crash in late 2022, with incredible losses to follow.

The Losses: An estimated $2 trillion was lost so far in the most recent crypto crash. Most of that disappeared in about 6 months.
What if you ignored the cycle of fear and greed?

The Lump Sum Investment
Let’s look at a simple example: Someone invests a lump sum of $100,000 in the S&P 500 in January 1987. Assuming an average annual return of 10.11% over the next 35 years, that 100k would have grown to about $3,206,940 by the end of 2022.

Takeaway: This shows the significant compound growth possible from a lump sum investment left untouched for decades. Of course, staying invested through many ups and downs requires patience and discipline. But the long-term rewards can be substantial with a buy-and-hold approach.

The Power of Consistency
Consider the following investment approach: Investing $500 per month in the S&P 500 from 1987 through 2022.
That’s a total investment of $210,000 over 35 years. Assuming an average annual return of 10.11%, those monthly $500 contributions would have grown to around $1.7 million by the end of 2022.

Takeaway: This example illustrates the power of consistent investing over long time periods. By sticking to a regular contribution plan, one can potentially build substantial wealth through compounding growth, even if investing relatively small amounts. The key is to stay disciplined and keep investing through ups and downs.

FINANCIAL LESSON
Were you surprised to see the losses caused by greed and fear?
If you could go back in time and handle any of them differently, would you?

No one can predict what’s going to happen next, and that can be a tipping point for fear and greed, especially in turbulent times. With that fear and greed, we tend to be more impulsive. We may even panic and rush to act because we’re afraid of missing out (FOMO, anyone?). That’s when we can be more vulnerable to poor choices and the losses that we’re so desperate to avoid, like selling low and buying high. The more we know about fear, greed, loss, and our financial choices, the better. That’s how we can get our emotions and instincts in check to make better financial decisions, regardless of what the markets are doing. Of course, that’s not always easy to remember in the moment. That’s why we shouldn’t jump on any bandwagons or dive into big financial choices without thinking them through.

Instead, we can take some simple steps to avoid the fear/greed cycle and do the following:

1. Set some long-term financial goals.
2. Get some distance and avoid checking your portfolio day to day.
3. Take your time and think things through.

It’s prudent to check in with the folks you trust, especially when it’s time to make major money moves.

Risk Disclosure: Investing involves risk including the potential loss of principal. Past performance does not guarantee future results. This material is for information purposes only and is not intended as an offer or solicitation with respect to the purchase or sale of any security. The content is developed from sources believed to be providing accurate information. Consult your financial professional before making any investment decision. For illustrative use only.

Ari Baum, CFP® is the founder and CEO of Endurance Wealth Partners, with over 26 years of experience in the Financial Services industry. He brings his in-depth experience to Conceive. Believe. Achieve. for his clients.
Securities and Advisory services offered through Prospera Financial Services Inc. Member FINRA/SIPC. Brokerage and Advisory accounts carried by Wells Fargo Clearing Services, LLC.

SOPHIA FRANCO

MEMORY IS A FUNNY THING. IT PLAYS TRICKS ON US, FLASHING ONE REEL, AND THEN ANOTHER. WHEN I WAS A TEENAGER, I HAD A MOTTO. “ENJOY LIFE, YOU MAY GET HIT BY A TRAIN TOMORROW.” LOOKING BACK, THAT SOUNDS TERRIBLE, BUT IT WASN’T. I WAS A RULE BREAKER, AND A WHIM TAKER. MY SISTER’S HUSBAND NICKNAMED ME, “FLOWER CHILD,” AND I GUESS I WAS.

Iwas the one who brought an extra pack of Yodels to share with the rest of my table at lunch. I was the one who ordered the French fries at the diner, and I was the one who threw Peanut M&M’s into our popcorn at the movies. I was chunky, as my husband reminds me, and in the version of the story I speak about here, I didn’t care. And yet, even as I type these words, I also remember bringing no-mayo tuna on “thin bread” to lunch, day after day, to the very same table where I once brought Yodels, years before. I remember a strict 800 calorie a day diet that I kept for months, and that the two pieces of thin bread were just 100 calories combined. I remember being hungry. At that time, I remember a nervous tic of clicking my watch buckle open and closed, incessantly, throughout the day. So, no, maybe I wasn’t always a flower child. Maybe I was a nervous little girl trying to make my friends think I was awesome because I ordered whipped cream and hot fudge on my frozen yogurt. I’m not quite sure.

Sari Dana and I grew up together; we are exactly the same age. It is incredible to see her enthusiastic following, and to watch how she has brilliantly tackled the once taboo subject of elevating body image in this community. Her book, Body Positive – The Journey, is more than inspiring. It allows us to experience her personal story in a real and raw way, and says, to each of us, you are not alone. We are in this together.

Mary Anne Cohen, Director of The New York Center for Eating Disorders since 1982, psychotherapist, and Sari’s book editor explains, “Sari has become an energetic warrior against diet culture, expressing a fervent wish for girls and women to truly learn how to free themselves from society’s straight jacket. Her book is filled with wonderful stories from Sari’s life (cue up her sad and hilarious attempts to lose weight through fertility hormones as well as by carrying 50 frozen juice bottles on vacation from Brooklyn to the Caribbean). Body Positive is also a guidebook, inspirational roadmap, educational manual, and most of all, represents her desire to inject hope for those who have constantly struggled with the pain and frustration of eating and body image dissatisfaction.”

“WHAT DO I WANT?”
Sari began her career some thirty years ago as a certified health coach and fitness instructor with a following that grew to over a hundred women and girls attending her classes daily. After she began her journey with Mary Anne’s help, she employed a method of declaring self-love affirmations combined with embodied movement called intenSati, and experienced life changing results. She decided to introduce it to her girls. “I am powerful beyond measure,” she exclaimed, while rolling her hands in front of her heart in a move called Power. “Let’s repeat, I am powerful beyond measure!” They responded, but not with strength. No one understood or cared about how they felt. They cared about a smaller waist and thinner thighs. They cared about how they looked.

Sari explains, “Fifteen years ago, no one spoke about true wellness or healing from the inside out, but I had seen the light. I spent an immense amount of time retraining my brain, and I learned that people can be themselves and love their bodies in all shapes and sizes. I stayed with this message, even though my classes dwindled to almost no one. Still, I’d get calls from moms saying, ‘keep at it; my daughter needs to hear this!’ or ‘I don’t come to your classes but I watch all your videos, you’re amazing!’ I knew how important this message was. And I kept at it. Today, I truly feel like a trailblazer!”

And then, there is social media. No doubt, on Instagram or Snapchat, we will see top models looking gorgeous while heading to the gym, influencers showing off surgically enhanced buttocks and boobs, and friends with pretty drinks in hand, looking oh-so-happy, whether they are or not. How can we ever compare? The analyzers know this, and diligently do their jobs, presenting you with appropriate self-help ads, magical hair straightening tools and potions, clear skin red/blue or green light masks, weight loss pills and injections and “clean” meals delivered to your door. Of course, clothing ads follow, to show off your now perfect body, once you’ve taken advantage of all these fabulous offers. Help!

“FREEDOM IS BEING YOU WITHOUT ANYONE’S PERMISSION.”
Sari explains, “We were all born loving ourselves. Think of a little girl dancing full out in the mirror, loving herself completely. Suddenly, somewhere around puberty that changes. Hips start to expand, bellies round out, friends progress at slower or faster paces — and a new learned message sets in, ‘we are not perfect enough.’ Jane Fonda was iconic back when I was a teenager, in her high cut fluorescent bodysuit and legwarmers. She was thin and perfect, and she told us we could fix our bodies. I, among so many others believed her. Looking back, I see it as change, change, change! You’re not good enough as you are. Was the message to feel beautiful, or to feel thin? Are those words synonymous? Where was the freedom just to be?”

Sari’s docket is full these days, teaching The Body Positive Journey curriculum and Brain Health Positivity in each of our community’s high schools, coaching privately, online, and in groups large and small. She is also promoting her book, lifestyle and “zenSari” positive empowerment and body love brand. “Everyone is tired of perfection. In the schools I show up real. I’ll kick my shoes off and declare positive affirmations, asking them to repeat, and they do! I show them what it feels like to feel free, empowered, positive, smart, beautiful, and authentic. I want them to appreciate the face and the body they have; you may not look like everyone else, but you are who you are, and be proud of that. I like to listen, and let them speak about their pressures. I truly understand their feelings, and the more time we spend together, the more each girl is able to grow into a new empowered woman.”

“EATING DISORDERS ARE NEVER ACTUALLY ABOUT FOOD BUT ABOUT FILLING AN EMPTINESS THAT IS WITHIN US.”
Joanie, one of Sari’s first students, recalls, “I am a friend of Sari’s daughter, Yvette. We came to her house one day to try her mom’s program, and Sari had music blasting. We danced and did the affirmations. She had us reflect, and become aware of how we felt, and it was honestly the best experience I ever had. Years later, she introduced a class called, ‘brain health,’ during lunch, and a lot of us found that it really translated into life. Before a test, a group of us girls would make a circle and do the affirmations together and talk positively about ourselves. It worked! In those days I was shy, even insecure, but with Sari I was able to recognize my capabilities and realize the difference in thinking positively about myself. She gave us a new perspective, and through that lens, I changed, and grew. I would not be who I am without her. Now I’m very outgoing and confident. But this wasn’t always me. It was all from Sari.”

Sari provides an opportunity for girls, young and old, to feel good about whoever and whatever they are on any given day. She asks them to think before they do; is it necessary? Is it helpful? Is it inspiring? Joy, a 15-year-old student reflects, “A lot of people in school don’t talk about mental health. Nobody wants to admit who they do, or don’t want to be, or how they see themselves in the mirror. I really look up to her.”

Rebecca, a Flatbush 10th grader explains, “Sometimes we do power poses, and they actually work! Sari makes me see the world in a different way. She helps me to walk through my day with positivity, self-worth and confidence. I’ve found that once you can see the world in a positive way, everything becomes sharper, and more attainable. Sari helps me to realize that I can do hard things.”

Diane, a young mom in Sari’s online course says, “I learned to love my body with all its imperfections, and that allows me to raise my daughter with a new mindset.” Sarah, a 40-year-old who has dieted since she was 8, explains, “The whole dieting and perfection thing is wrong. Sari’s teachings helped end my binge eating and exhausting dieting cycle. I honestly can’t believe it. This loving method works!”

“WE ARE ALL IN THIS TOGETHER.”
“What I see,” says Liat Dahan, head of education for Project Safe, “is a truly healthy woman healing from a lifelong cycle of disordered eating. Sari is educating young girls that thinness doesn’t equal beautiful, but rather, confidence does, and that can only come from within. I recall one of the girls looking at her at the end of the session, saying, ‘I want to be confident like you are. That’s what I would love.’ To hear a 16-year-old say that to a woman over 50, that spoke volumes.”

In this tight knit community, there is much blessing to take advantage of and enjoy, but also high pressure to do it. Acceptance, impression; everyone’s burden is different, but it is all very important to us. Preparing physically and mentally is tiring, and often comes at a cost, not only monetarily, but for the body and soul. Sari’s methods provide a way off this treadmill we are all running on, at full speed. She has honestly shifted the narrative; instead of saying, ‘I need to be perfect,’ she’s telling us ‘you are already perfect.’ She is creating a space for each of us to be proud, and confident. Liat continues, “Through her classes, and now her book, it has become clear that we can feel comfortable in our own skin. Sari has a very special way in which she delivers that message to young girls. She sees herself in each of them and looks at them with love. They look up to her because they can sense that, and see that she is for real.”

Joanie, now in college, continues, “I was laughing, crying, and smiling reading Sari’s book. There is vulnerability, positivity and growth, and it was so inspiring. Looking at Sari, she’s the most positive, happy person. You would think her life is perfect, and never know what went on behind the scenes. Yes, she has confidence, and views herself positively, but the book showed me that she struggled to get there, like we all do. The beauty that is Sari Dana came with growth and hard work, and I can get to that place too. It is relatable. And the goals are achievable. It was very impactful.”

In her book, Sari says, “I knew I was here on purpose, for a purpose.” That line struck me, as I often feel the same. We all should. Sari’s journey has taught her, and now all of us, that it is worth spending more time on how and what we think, and the words and language we use. She continues, “I work with grown women, as well, who have been at constant war with food and their bodies, creating fear, stress and anxiety. This weighs us down! When how we think and feel on the inside becomes strong and positive, the outer appearance begins to match. That’s when the smiles grow wide and beautiful.” As a writer, I often put myself out there, and that’s not easy. I know that when I feel confident, I am braver. When I feel worthy, I stand taller. When I am happy, I am glowing. Bravo, Sari, for opening up our hearts and minds to possibilities; to shaping our own lives, and becoming the best versions of ourselves. There is a way out, and you have opened the door.

Writing this while in Aruba during winter break, seeing each and every girl look spectacular (you do), I cannot help but feel the pressure they are under to present themselves “perfectly.” This topic is so important!

Sophia Franco is a community member, mom and grandmother, author, poet and lyricist. Interviews for this piece were conducted by Gabrielle Greenstein, MDY senior.

KYLIE ORA LOBELL

ADELA COJAB MOADEB HAD BEEN A PROUD JEW AND ZIONIST HER ENTIRE LIFE. IN 2019, WHEN SHE WAS A STUDENT AT NEW YORK UNIVERSITY, AND BACK HOME FROM A RECENT BIRTHRIGHT ISRAEL TRIP, SHE DECIDED TO CELEBRATE ISRAEL’S INDEPENDENCE DAY IN WASHINGTON SQUARE PARK WITH HER JEWISH FRIENDS AND FELLOW JEWISH STUDENTS.

In the past, anti-Jewish protestors had tried to shut down the celebration, so Adela, who was the president of the student group Realize Israel, met with the NYU administration to express her concerns. They told her she was overreacting.

She wasn’t.

As soon as the event started, an anti-Zionist student rushed to the front of the protest line, held up the Israeli flag, lit it on fire, and threw it to the ground where it continued to burn. Adela told her friends to ignore him, sing “Hatikvah” and move on.

Suddenly, a student protestor grabbed a microphone from a Jewish student, yelled “Free Palestine!” and waved his hands in the air. More protestors took the 10-foot Israeli flag, shredded it, and hung it from lamp posts and trees. Two protestors were arrested by NYPD and charged with assault, reckless endangerment, and property theft and damage.

Soon after, Adela, who was also a senator for the NYU student government, met with the administration to tell them that a line had been crossed and it was time to act.

What did NYU do instead? They gave the anti-Israel hate group the President’s Service Award — the highest honor a student group can receive.

“There was so much frustration and sadness,” Adela said. “The school wouldn’t even make a statement about the burning of the Israeli flag. They weren’t even willing to deal with it as a conduct issue.”

SUING NYU
Adela kept trying to meet with the school to get them to do something, but they ignored her. So, she sued NYU under Title VI of the Civil Rights Act of 1964, which states that, “no person in the United States shall, on the ground of race, color, or national origin, be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any program or activity receiving federal financial assistance.”

“My lawsuit against NYU wasn’t about antisemitism or additional protection for the Jewish community,” Adela said. “It was about equal protection under the law. The school and the government have laws to protect religious groups on campus. Jewish students were left out. The school cannot decide which minorities do and do not deserve protection.”

Adela was familiar with anti-Jewish hate, having grown up in a Syrian-Lebanese-Jewish home. Her mother’s side left Lebanon in the 1970’s when the war broke out, and her father’s side left Syria in the 1920’s. As Jews, they were second-class citizens in these countries.

“Jews were not able to get passports,” Adela said. “They were not included. They didn’t feel safe, so they left.”

Adela was born in Mexico, and she went to NYU to major in Near and Middle Eastern studies. She became vice president of her sorority, AEPHi, and served as the official representative of Jewish Students at the United Nations.

The event in Washington Square Park wasn’t the only antisemitic event that occurred on campus during her time at NYU. The Governance Counsel for Marginalized and Minority Students (GCOMMS) put out a statement that compared Zionism to racism and Nazism, and just two weeks after this, a resolution was presented to NYU Student Government to boycott the NYU campus in Tel Aviv. And then, 53 student clubs signed a pledge to boycott Israel and Realize Israel, which Adela was involved in at the time. NYU has a large student population in the second-most-Jewish part of the world.

“Every liberal institution tells people they shouldn’t check their identity at the door,” she said. “Jews shouldn’t have to, either.”

After filing her lawsuit against NYU, Adela made headlines, and then-President Trump invited her to Miami to speak about it. Just three days later, he signed an executive order that expanded the definition of Judaism to be considered an ethno-religion, and it would fall under Title VI. This change in the law meant that NYU would likely lose in court.

So NYU drafted a settlement agreement. Adela did not request damages. She simply wanted NYU to act when there was discrimination against Jewish students.

“Lawsuits take a long time to affect anything,” Adela said. “It doesn’t become instantly better. They start making changes, no matter how small. It’s unfortunate, but at the end of the day, schools do respond to legal action.”

How Jewish Students Should Respond to Antisemitism on Campus.

Even in the face of rising antisemitism on campuses around the U.S., she urges students not to leave their schools or be afraid. Instead, they must be proud and fight back.

Following the settlement, there wasn’t much happening on campus since it was COVID. But since the October 7 attack, antisemitism at Adela’s alma mater has spiraled out of control.

“There has been an explosion of antisemitism at NYU,” she said. “It’s a shame. If NYU had dealt with it head on and instilled proactive programming to combat antisemitism, or they had actually dealt with the real issue, it wouldn’t be happening. I sent them a letter calling for suppression of SJP (Students for Justice in Palestine) as a student organization.”

She continued, “They can’t just sit there and say, ‘We don’t know what to do’ or “This is a complicated situation.’ If you would have done your job four years ago, you wouldn’t be in this situation.”

Now, three NYU students are following in Adela’s footsteps and suing the school. Other students across the United States who are facing antisemitism on campus are wondering if they should do the same.

“You don’t have to run off and sue your school,” said Adela, who is now a JD Candidate at Cardozo School of Law. “That should be a last resort. But every student should be making a record of antisemitic incidents so that the school is aware.”

Adela doesn’t believe the schools are inherently antisemitic — they just don’t know how to deal with antisemitism. Plus, schools including NYU are receiving funding from anti-Israel Arab countries, and NYU has “a good chunk of faculty that are against condemning antisemitism,” Adela said.

However, even in the face of rising antisemitism on campuses around the U.S., she urges students not to leave their schools or be afraid. Instead, they must be proud and fight back.

“These students should be more open about their Judaism and make it clear they belong in that school like everyone else,” she said. “Jewish students should know: they are not alone.”

Kylie Ora Lobell is a Los Angeles-based writer as well as president of KOL Digital Marketing, where she does publicity and marketing and helps clients share their unique stories with the world.

FRIEDA AZRAK, GLORIA CHABBOTT & JOELLE BAWABEH

GEARING UP FOR A FABULOUS YEAR, THE MAGEN DAVID YESHIVAH PTA MET ONE SUMMER DAY TO DISCUSS THE COMING SCHOOL YEAR. AS WE WERE PLANNING, A MEMBER OF OUR TEAM RECEIVED A NOTICE ON THEIR PHONE, ISHAY RIBO HAD SOLD OUT HIS CONCERT IN MADISON SQUARE GARDEN ON SEPTEMBER 3RD.

We allowed ourselves to drift into a daydream for a moment and consider what it would be like if we were able to host him in our school for our children. We immediately added it to our wish list.

Fast forward to October 7th, a war broke out in Israel, as a school and community we put our plans on hold, with a focus on doing everything possible we could to support the soldiers, the country, and the effort. Prayers, fundraisers and hesed, no stone was left unturned. We banded together to achieve one common goal.

Jews from all over the world attended a huge rally held in Washington, DC in support of Israel. One performer who had flown in from Israel to sing at the rally was Ishay Ribo. As he got onto the stage, his music and words brought such a special spirituality to the event. That same feeling crept up on us once again, we would love Ishay to perform for our school! We would welcome that ruach with open arms!

The MDY family has been working so hard in support of Israel, we thought it would be amazing if we could present our school with the ultimate Hanukkah gift! Lo and behold after being introduced to his team, Ishay Ribo was going to be coming to Magen David Yeshivah! We were bursting with excitement, but there was one catch. We couldn’t tell a soul! It was going to be a Hanukkah surprise for our students and teachers! We planned for two concerts, to accommodate grades 3 through 12, and started counting down the days until showtime! December 5th could not come fast enough! We were eager to see the reaction of the Magen David family!

A surprise assembly was scheduled, and students did not know what to expect. As they entered the auditorium under our Hanukkah inspired balloon arch, their faces lit up with excitement and anticipation. They knew something special was happening. The electricity was palpable, the room smoldering with excitement! When our principal Rabbi Cohen-Saban introduced the world-famous performer, the cheers that erupted were deafening. Everyone was ready for the music, and the light it would bring to their lives. The energy level only increased with each song. He sang his beautiful tunes, impactful words, words of prayer and hizuk. Ishay possesses a velvety soft voice, accompanied by the strum of his guitar that captures your heart and pierces your soul.

What a dream come true! Ishay Ribo was in our auditorium, performing for our children in their home, and he was spectacular! It was better than anything we could have imagined. The students and teachers of Magen David were all singing, dancing, cheering and enjoying as one. Ishay sang with them, prayed with our students for the soldiers and the release of the hostages, as we all united in solidarity under the Israeli flag.

There were moments looking out at the crowd of children waving their light up wands that just felt like a pure blessing. The PTA could not have presented our school with a more perfect gift. They needed this. We needed this! How important in this time in such an unstable world, to be unified as one. In a time filled with worry and desperation, we encourage pride in who we are, a Jewish nation, and where we come from.

At MDY we are grateful to be united in such a harmonious fashion. Faculty members were so touched and grateful to be part of such an uplifting experience. We have received numerous messages about that very special day. Here are just a few:

“Wow, wow, wow, what an incredible day!”

‘So grateful, and you managed to pull off Ishay Ribo twice! Kol HaKavod, unbelievable!”

“The PTA did an amazing job connecting our community through Ishay Ribo and his spiritual music, and made me proud to be part of Am Yisrael, thank you!”

As the day came to a close, we felt a deep sense of satisfaction that we ignited a flame in their hearts. We felt very confident to send our children home saying “Now go, light the candles of Hanukkah and celebrate the miracle of our salvation.”

Beezrat Hashem it will come again soon.

Frieda Azrak, Gloria Chabbott, and Joelle Bawabeh are Magen David Yeshivah PTA Presidium.

& OPERATION MAGEN ISRAEL

MIGDAL OHR, ONE OF ISRAEL’S MOST IMPACTFUL SOCIAL WELFARE ORGANIZATIONS, IS LEADING ITS LARGEST HUMANITARIAN RELIEF EFFORT YET, CALLED MAGEN ISRAEL, UNDER THE LEADERSHIP OF ITS FOUNDER, THE TZADIK AND ISRAEL PRIZE LAUREATE RABBI YITZCHAK DAVID GROSSMAN.

Now, in the difficult and uncertain days of the war, Migdal Ohr has been providing ongoing care for thousands of displaced parents and children, visiting and blessing hundreds of wounded victims and soldiers, inspiring army units, and of course, caring for the 10,000 orphaned and underprivileged children who are a part of the Migdal Ohr family.

In times of national crises, Rabbi Grossman and Migdal Ohr have consistently played an active role in supporting Israel, collaborating with government bodies to deliver immediate relief. When the COVID pandemic struck, Rabbi Grossman was called upon by the Israeli government to lead a significant packaging relief effort. Similarly, during the Second Lebanon War, Migdal Ohr opened its campus doors to host hundreds of soldiers. The commitment to providing assistance remains unwavering during these ongoing times of war in Israel.

OPERATION MAGEN ISRAEL MOBILIZING DURING WAR
With the outbreak of the war with Gaza, the organization mobilized donors all over the world in a massive campaign to provide shelter to over 4,000 evacuees from the Gaza border and to help the families most affected by the massacres in the south of Israel. The Magen Israel initiative continues to quickly expand, responding to immediate needs that are emerging on the front lines and in Israel’s hospitals.

As a unifying and beloved national figure, Rabbi Grossman has always taken the approach that Israel is one family, with one heart and has always been willing to do anything necessary to help Israel with the resources at his disposal. Magen Israel has hosted over a thousand soldiers on Migdal Ohr’s campuses, cooked over 2,000 meals a day out of Migdal Ohr’s soup kitchens, and sent thousands of supplies to soldiers on the front lines, among many other activities.

RABBI GROSSMAN ON THE NATIONAL STAGE
Rabbi Grossman has personally visited dozens of army and air force bases, blessing the soldiers with coins to give to tzedakah upon their safe return from war. His regular visits to Israel’s hospitals provide strength to the wounded and instill hope in their families. Miraculous stories are emerging from Gaza, a testament to the profound impact of Rabbi Grossman’s outreach.

The Rav has been seen on national television multiple times, offering interviews that fortify the nation’s unity and resolve. Following each of these appearances, he returns to Migdal HaEmek in the north of Israel, to be among his beloved children. There, surrounded by thousands of orphaned and underprivileged kids, he imparts his values and actively builds his visionary future for Israel.

MIGDAL OHR’S ALUMNI THE LEADERS IN ISRAEL TODAY
For over five decades, Rabbi Grossman and global supporters have devoted themselves to nurturing orphaned and at-risk youth, transforming them into productive, inspired citizens of Israel. Today, tens of thousands of alumni lead institutions, serve in the army, run companies, and raise families, showcasing the profound impact of Migdal Ohr’s work.

These alumni form a resilient shield in Israeli society, embodying dedication, selflessness, and a Zionistic spirit. Like Rabbi Grossman, they are unwavering in their commitment to do anything and everything for Am Yisrael.

One standout example is alumnus Shai Knopfer, who, on October 7th, dropped everything to enlist in the reserves. Tasked with identifying bodies in Be’eri and ruling out hostage scenarios, Shai leveraged his networks to raise $7 million for gear, aiding evacuated families and treating the wounded. Alongside friends, he organized large-scale BBQs and even orchestrated a wedding for a soldier within hours.

Shai reflects, “Rabbi Grossman has been like a father to me since I was 16. When I met him, I was lost in life, caught up in crime and drugs. That wasn’t me, but I didn’t know how to find my way back. I came to Zoharim Youth Village when it was just a dream. ‘There’s nothing here!’ I said. ‘So,’ the Rav replied, ‘You and your friends will be the ones to build it. If Hashem sent you now, then surely that is your purpose.’”

This ethos pervades Rabbi Grossman’s approach—where there’s a need, build it; where there’s no leader., lead.

Observing Rabbi Grossman’s impact — whether at army bases, hospitals, with evacuated families, or at home in Migdal HaEmek — inspires Shai to question, “What excuse do any of us have not to do more for Am Yisrael?”

The achievements of fellow alumni, whether in leadership positions, the army, or community leadership, showcase the pervasive spirit and drive to help, instilled by the Rav in each and every one of them.

LOCAL SUPPORT FOR MAGEN ISRAEL AND RABBI GROSSMAN’S EFFORTS
In the US, the Magen Israel campaign has seen an incredible outpouring of support from synagogues, schools, restaurants, and local businesses, all raising funds and sending donations to Israel.

During Hanukkah, 14 partner schools and communities united with American Friends of Migdal Ohr (AFMO) to raise funds for gifts and celebrations benefiting children from evacuated families. Notable participants included The Frisch School, SAR, Yeshivat He’Atid, Ben Porat Yosef, HALB, NCSY, and many others, each contributing to bring light to Israel’s children and support the Israeli economy.

The Rav has been profoundly touched by the unwavering dedication and support emanating from the Syrian community. The collective impact of each individual’s personal care, and the solidarity of the community at large, has been truly inspirational. In a remarkable display of compassion, the community has contributed hundreds of thousands of dollars worth of brand new clothes, toys, and essentials, providing evacuated families with the means to endure these challenging days with dignity. Multiple shipments have already been dispatched, and there are more on the way. The community has demonstrated robust support, both in giving, ruach, and physical presence, offering a comforting embrace during this challenging time for Am Yisrael.

“We are all driven to act, and the community has been an inspiration for so much good,” shared AFMO’s Executive Director, Atara Solow. “With needs on the ground that are so vital, the feeling and spirit of Am Yisrael together not only supports but strengthens our resolve.” Among other initiatives, Atara was blessed to take part in missions with the Mikdash Eliyahu Synagogue in Brooklyn and Yeshivah of Flatbush High School. This mission was dedicated to offering strength and support to those wounded since October 7th and to supporting the children of Migdal Ohr during this challenging time. The groups renovated bomb shelters and uplifted the morale of the nation.

“As an Israeli living in the Diaspora and far from home,” says Executive Director, Atara, “it has been extremely comforting and inspiring to see the love and unity of the Jewish people. We truly are one nation. When we are hurting in Israel, the Jewish community abroad is with us, feeling the pain and doing everything in their power to send support and assistance. I cannot tell you how proud and humbled I have been to be involved in Migdal Ohr’s Magen Israel war relief efforts. Thank you to everyone who has stepped up to get involved. The Syrian community in particular has been a tremendous part of the Magen Relief effort and Rabbi Grossman wants to extend his deepest appreciation.”

To learn more about Magen Israel and how you can get involved visit migdalohrusa.org/israel.

In March, American Friends of Migdal Ohr is organizing an Online Auction for Israel and asking the community to donate goods and services items to benefit Magen Israel. You can inquire and donate items at: auction@migdalohrusa.org.

A DISPLAY OF UNITY, SOLIDARITY & JEWISH PRIDE

IN THE SPIRIT OF UNITY AND UNWAVERING PRIDE, DSN CELEBRATED HANUKKAH WITH A SERIES OF HEARTWARMING ACTIVITIES AND EVENTS.

Hanukkah festivities took on a deeper meaning this year, resonating with a sense of unity and support for Israel. From a multi-generational lunch to a symbolic balloon release, the events showcased the resilience of the community and its commitment to being Jewish and proud.

Celebrations kicked off with a Hanukkah cookie making activity for 6th through 8th graders on Saturday night, December 9th. DSN’s Youth Program Director Frieda Shamah was thrilled with the turnout and success.

The fun continued on Monday, December 11th, with DSN’s Senior Program Hanukkah Lunch held at TEVA, where seniors were invited to share a meal with their children and grandchildren. Senior Director Vicky Sherry was smiling from ear to ear. “The sight of three, four and even five generations of a single family coming together was both touching and inspiring!” Against the backdrop of traditional music by Elliot Morabia and his band, and the uplifting words of Michael Cohen from the Mitzvah Man organization, attendees experienced a memorable celebration of family and heritage.

In addition, DSN recently launched the DSN Israel Committee led by Honey Dayan and Jacqueline Musry to plan ongoing events in support of Israel. They orchestrated a balloon release at the DSN Beach Club’s TEVA, with every balloon symbolizing a hostage that is still kidnapped in Gaza. A total of 147 biodegradable orange balloons were released into the sky, representing the hair color of the youngest hostages still being held captive, the Bibas boys. Children handed out balloons to seniors, creating a connection between generations. DSN member Esther Epstein was inspired. “I was flipping out from this! Fainting! What an incredible job! And the TEVA retractable roof took this over the top!” Former IDF soldier Zoe Benun shared heartfelt words, and her young daughter sang Hatikvah, adding an emotional and patriotic touch to the event. Watching the balloons released from the open rooftop at the DSN Beach Club was profoundly emotional and poignant.

That same evening, all DSN community members were invited to come together for DSN’s annual Family Hanukkah Dinner and Bingo Extravaganza. The DSN Community Center’s gymnasium buzzed with the excitement of over 600 people. Executive Director Sammy Sitt stood next to an 8-foot high gold-colored menorah, as he explained that this would be the largest gathering in our community to publicize the miracle of Hanukkah. He then introduced Rabbi David Tawil of the Larchwood Synagogue, who proceeded to make the berachot on the menorah and lead the traditional singing of Mao’tzur. Then it was time for Bingo! Sammy got the crowd into a frenzy as he called out numbers with participants eagerly awaiting their chance to win one of the many fantastic prizes. DSN member Yvette Nasar was ecstatic. “My daughter won a bike! A bike! DSN never ceases to amaze me. In all my years living in Jersey, it only gets better!” The event featured a beautiful dinner with latkes and donuts, adding a delicious traditional touch to the festivities. From a photobooth capturing joyous moments, to Hanukkah card writing to soldiers, combined with the booming cheers of children chanting for more bingo, the event exemplified the unity and camaraderie of the community.

Sammy summarized the successful week of events. “DSN’s Hanukkah celebrations this year went beyond the usual festivities, becoming a powerful expression of unity and Jewish pride. It’s a testament to the passion of our amazing staff and wonderful volunteers that we have risen up to meet the challenges of this time. When the community needs us most, we will be there for them. May Hashem continue to bless DSN and our entire community taking us to even greater heights. Am Israel Chai!”

ARI BAUM, CFP®

In 2024, let’s explore the exciting opportunities that await you with the latest updates in Individual Retirement Accounts (IRAs), 401(k)s, and the transformative power of gift contributions.

Supercharged Savings with the New IRA Rules
The dawn of a new year brings with it new possibilities, and for savvy investors, the updated rules surrounding Individual Retirement Accounts (IRAs) present an exciting opportunity. As of 2024, the annual contribution limit for IRAs has been increased to $7,000, allowing you to turbocharge your retirement savings. Whether you opt for a Traditional IRA with tax-deferred contributions or a Roth IRA with tax-free withdrawals in retirement, these updated limits mean you can now contribute more than ever before.

Additionally, keep an eye on the catch-up contributions if you’re 50 or older. The extra contribution allowance of $1,000 gives those in the second half of their careers an added advantage in boosting their retirement nest egg. So, seize the moment and take advantage of these increased limits to ensure a financially secure future.

401(K) REVOLUTION ELEVATE YOUR RETIREMENT GAME
Your workplace 401(k) is a powerful tool for building long-term wealth, and 2024 brings exciting changes that can elevate your retirement game. Employers are increasingly recognizing the importance of supporting their employees’ financial well-being, and this is reflected in the updated 401(k) contribution limits.

With the increased annual contribution limit to $23,000 you now have the opportunity to stash away more pre-tax dollars, reducing your taxable income for the year. If you’re over 50, your eligible for an additional $7,500 in catch up contributions, raising your employee contribution to $30,500! It’s a win-win situation: you save more for your future, and you may also enjoy a lower tax bill today.

But that’s not all — many employers offer matching contributions as part of their 401(k) plans. Make it a goal to maximize this employer match. It’s essentially free money that can significantly accelerate the growth of your retirement savings. So, review your workplace retirement plan, adjust your contributions accordingly, and set yourself up for a financially prosperous retirement.

THE GIFT OF FINANCIAL FREEDOM MAXIMIZE GIFT CONTRIBUTIONS
While the focus often leans towards personal contributions, don’t underestimate the impact of gift contributions. In the coming year, the IRS sets the annual gift tax exclusion to $18,000 per recipient tax-free without using up any of the taxpayer’s lifetime gift and estate tax exemption. For married couples, this means that they can give $36,000 pere year per recipient.

For example, if a married couple has five children and five grandchildren, they may transfer $360,000 in 2024 to their descendants without touching their combined lifetime gift tax exemption, thus allowing them to transfer further substantial assets gift-tax-free. Not only are the assets removed from the taxpayers’ taxable estates, the assets’ future appreciation also avoids gift and estate taxes. The gift tax exclusion allows you to give a certain amount to as many individuals as you wish without incurring any gift tax.

Moreover, this may encourage the concept of financial literacy within your family. Use the opportunity to educate your loved ones about the importance of retirement planning, the power of compounding, and the benefits of long-term investing. This not only fosters a culture of financial responsibility but also strengthens the bonds within your family as you collectively work towards a brighter and more secure future.

DIVERSIFY AND CONQUER SMART INVESTMENT STRATEGIES
As you embark on this financial journey, remember that it’s not just about contributing more — it’s also about contributing wisely. Diversify your investment portfolio to mitigate risks and maximize returns. Explore new investment opportunities, stay informed about market trends, and consider consulting with a financial advisor to tailor your investment strategy to your specific goals and risk tolerance.

In the dynamic landscape of financial markets, staying informed is key. Embrace the new year with a commitment to financial education, attending workshops, webinars, or reading up on the latest financial literature. Arm yourself with knowledge and make informed decisions that align with your long-term objectives.

A PROSPEROUS NEW YEAR AWAITS
Let New Year’s Day symbolize not only the end of one year but the beginning of a new and improved financial chapter in your life. Embrace the enhanced contribution limits for IRAs and 401(k)s and consider the impactful gesture of gift contributions. Your future self — and your loved ones — will thank you for the thoughtful and strategic financial decisions you make today.

Remember, the journey to financial freedom is ongoing, and each new year brings fresh opportunities to grow, learn, and prosper. With the right mindset, informed decisions, and a commitment to securing your financial future, 2024 can be the year you set the stage for a lifetime of prosperity. Here’s to a new year, a new you, and a financially empowered future!

This content was developed from sources believed to be providing accurate information. Investing involves risk including the potential loss of principal. This information is not intended to be a substitute for specific individualized tax or legal advice. Consult with a licensed professional regarding your specific situation.

Partners, with over 25 years of experience in the Financial Services industry. He brings his in-depth experience to Conceive. Believe. Achieve. for his clients.
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ON TUESDAY MORNING, DECEMBER 12TH, MAGEN DAVID YESHIVAH HIGH SCHOOL CELEBRATED HANUKKAH AT THE MAJESTIC EDMOND J. SAFRA SYNAGOGUE, MDY’S RABBINICAL LEADER RABBI ELI J. MANSOUR’S NEW SHUL.

Students and faculty prayed together with Hazan Mordechai Salem lighting the Hanukiah and singing pizmonim, before enjoying a bountiful breakfast.

The girls then headed downstairs to partake in a moving and impactful Hallah Bake with Mrs. Suri Jaroslawitz, coordinated by Mrs. Sara Ovadia, and students Marilyn Dweck and Lauren Shriqui. Mrs. Jaroslawitz told countless stories of many open miracles brought on by the power of making Hafrashat Hallah and everyone took turns saying their own berachot to a resounding chorus of Amen. We pray for all of our blessings to be answered!

Upstairs, the boys heard an important class from Rabbi Mansour and partook in a mentalist experience. One of our freshman students had this to say, “I really felt the Hanukkah spirit this morning in the synagogue. It went from the amazing hazan during prayers (who went at a good pace and had a beautiful voice that made me sing along), to the tasty breakfast we had, to the amazing siha with Rabbi Mansour and lastly, to the fun and interesting magic/hypnosis show we watched. Thank you so much Dr. Vitow for all the amazing things you do for our school, making it so enjoyable to come to every day. Every morning I look forward to getting up and dressing up.”

It was an incredible day for all and a very special way to celebrate the holiday.

TO HELP THOUSANDS OF ISRAELIS

MIGDAL OHR, ONE OF ISRAEL’S MOST IMPACTFUL SOCIAL WELFARE ORGANIZATIONS, HAS UNDERTAKEN ITS LARGEST HUMANITARIAN RELIEF EFFORT IN HISTORY, UNDER THE LEADERSHIP OF ITS FOUNDER, ISRAEL PRIZE LAUREATE, RABBI YITZCHAK DAVID GROSSMAN.

During the COVID pandemic, the Israeli government called on Rabbi Grossman to spearhead a major packaging relief effort, and during the Second Lebanon War, Migdal Ohr hosted hundreds of soldiers on their campus.

In the outbreak of the war with Gaza, the organization mobilized donors all over the world in a massive campaign to provide shelter to over 4,000 evacuees from the Gaza border. The Magen Israel initiative then quickly expanded to respond to immediate needs that were emerging on the front lines and in Israel’s hospitals.

As a unifying and beloved national figure, Rabbi Grossman has always taken the approach that Israel is one family, with one heart. That ethos pervades the organization’s activities, from now hosting over a thousand soldiers on Migdal Ohr’s campuses to cooking over 2,000 meals a day out of Migdal Ohr’s soup kitchens for families in hospitals and soldiers on the frontlines.

To date, the Magen Israel activities in Israel have included:

SHELTERING EVACUEES FROM GAZA BORDER COMMUNITIES
Magen Israel has assumed responsibility for housing, feeding, clothing, and providing for the needs of 4,000 individuals from communities who have been evacuated from the Gaza envelope. This includes activities and daycare for children, outfitting hotels for family living, therapies, and anything that people need to weather this traumatic and difficult period. It also included the purchase of over $160K in clothing, games, supplies, and essentials distributed to evacuees not being housed in hotels and an Emergency Fund that distributed $1,300 per family in the immediate wake of the massacres.

SUPPORTING SOLDIERS AT ARMY BASES AND THE WOUNDED IN HOSPITALS
Migdal Ohr has over 1,000 alumni and faculty currently serving in the IDF or in reserves and a long history of partnership with the army. To date, Magen Israel has purchased over $250K in warm clothing, boots, drones, helmets, gear, hot plates and urns for thousands of soldiers on bases across Israel. The effort also purchased and delivered over 1,500 mattresses to hospitals and military bases that needed places for reservists and medical personnel to sleep. Migdal Ohr’s soup kitchens also expanded operations to send hot, nutritious meals to families in hospitals and soldiers on army bases.

EXPANDING CARE FOR ORPHANED AND UNDERPRIVILEGED CHILDREN ON CAMPUS
Migdal Ohr cares for over 10,000 orphaned and underprivileged children and teens. During the war, they expanded protected spaces to guard against rocket attacks on their campuses and opened to provide daylong programs for over 200 children with special needs while schools had closed.

Rabbi Grossman has visited dozens of army and airforce bases personally, blessing the soldiers with coins to give to tzedakah upon their safe return from war. He has also made regular visits to Israel’s hospitals, giving strength to the wounded and providing hope to their families. He has appeared on national television numerous times giving interviews to strengthen the nation’s unity and resolve.

In the US, the American Friends of Migdal Ohr (AFMO) campaign has seen an incredible outpouring of solidarity with initiatives from synagogues, schools, restaurants, and local businesses, all raising funds and sending donations to Israel.

Examples of community-based efforts include a one-to-one matching campaign by the owners of Cedar Market in New Jersey that raised $100K, a clothing and toy drive spearheaded by AFMO board members and a network of volunteers across the tri-state area that sent over 150 duffle bags to evacuees. Migdal Ohr was also the beneficiary of $100K raised by The Little Champions Foundation which hosted its annual young professionals event this fall. Numerous organizations put on bake sales and hosted local Shabbat markets which raised thousands of dollars for Magen Israel. AFMO Executive Director Atara Solow even joined a delegation from the Mikdash Eliyahu Synagogue in Brooklyn and Yeshivah of Flatbush High School that came to strengthen and support soldiers, wounded individuals, and children at Migdal Ohr during the war.

Before Hanukkah, American Friends of Migdal Ohr is organizing a “Goods and Services Shuk” which will be a silent auction where people can donate and bid on unique items to benefit Magen Israel. They are also participating in a “Be the Light’’ campaign intiated by Yeshivat He’Atid with numerous Jewish day schools. The campaign is encouraging families to donate a night’s worth of Hanukah gifts towards presents and parties for Israeli children who have had to evacuate their homes.

Atara Solow, Executive Director of American Friends of Migdal Ohr, said, “As an Israeli living in the Diaspora, it has been extremely comforting and inspiring to see the love and unity of the Jewish people. We truly are one nation. When we are hurting in Israel, the Jewish community abroad is with us, feeling the pain and doing everything in their power to send support and assistance. I cannot tell you how proud and humbled I have been to be involved in Magen Israel. Thank you to everyone who has stepped up to get involved.”

To learn more about Magen Israel and how you can get involved visit migdalohrusa.org/israel

ABOUT MIGDAL OHR
For over 50 years, Migdal Ohr has been transforming Israeli society by the lives of Israel’s orphaned and underprivileged children. Today, Migdal Ohr provides essentials, education, and empowerment to over 10,000 children every year. None of this would be possible without the support of donors all over the world whose dedication to Israel’s future are a beacon of hope and love. To learn more, visit migdalohrusa.org.