As the High Holy Days approach, theme of forgiveness is surfacing. Perhaps, it is forgiveness from those we have wronged, those who harmed us, or forgiveness of self that are forming. As these thoughts arise, some of us feel overwhelmed, and others recognize that they have lost the drive to strive or do right. Yet, in this season, we all stand together at the opportune time to get back on track.

Why Forgiveness?

Forgiveness is a healing process with profound ripple effects on ourselves, relationships, and the world. Without forgiveness, we are stuck, unable to move forward. The forgiveness process can be simple, but it must be consistent. Here is a 3 step process to help navigate forgiveness.

Step 1

Leave Our Old Identity in the Past
How many of us have truly left our old identity behind? Many of us are locked in our past, spending time, money, and energy to avoid the emotional pain of our regrets. We hold onto guilt and shame instead of saying, “I’m sorry for what I’ve done. That was the old me, and I’m turning a new leaf,” or “I regret I did that. I choose to move forward and leave it in the past,” or, “I’m replacing this old behavior with a healthier one.” When we linger in regret, we continue to mess up, because we create an ongoing connection with our negative past. The way out of this toxic cycle is cutting ties with our previous behavior, ensuring we don’t fall back.
The Almighty has a propensity for forgiving. If we believe we are unforgivable, we let our ego and evil inclination have control. The Nesivas Shalom teaches, the evil inclination doesn’t care about causing us to sin. His main goal is for us to give up on ourselves and think there is no way back to connecting with Hashem after sin. On Yom Kippur, we repeat the 13 attributes of mercy over and over. G-d Almighty is a merciful, loving G-d who wants us to stay connected and close. Even when we sin and create distance, he waits patiently, like a loving parent, for us to repent and return. Let’s not give in to the evil inclination and place our opinion over G-d’s. What we must do is shift from the old to our new selves. We need to acknowledge what we did was wrong and leave the past behind. When done properly, regret empowers us, serving as a motivator to avoid falling back to old habits because we no longer desire being our old selves.

Step 2

The Parent Forgiveness Model

Parenting is one of our most challenging yet rewarding roles. We are entrusted with raising healthy human beings. There’s lots of space for potential guilt. We can question why or how our children make their decisions, or take on the responsibility and guilt when our children mess up. It’s key to remember that Hashem entrusted us with raising our children to be functioning humans that will contribute good to the world. It’s also important to remember that no one is perfect except for G-d. We must pray for our children’s successes. We also must model healthy behaviors for them. Here are seven practical tools to model and bolster our forgiveness of self and children.

Forgiveness of Self as a Parent

1. Model Hashem. He is the ultimate parent. If we follow His lead, we can handle all parenting challenges.
2. Create a reminder system to check in with how you are regularly feeling. This combats living for too long in a state of guilt, shame, or grief. Reminders can be as simple as post-it-notes on your bathroom mirror or alarms in your phone, reminding you to acknowledge yourself and your commitments.
3. Write yourself a letter or card reminding you that you are worthy of forgiveness and capable of forgiving.
4. Look in the mirror daily, make eye contact while saying, “I forgive you. I love you.”

These tools and techniques can also be applied to forgiving our children.

Forgiveness of Our Children

5. If you hurt your child or are feeling bad about an interaction, it’s okay and advisable to say, “I’m sorry,” and ask forgiveness.
6. If you want to forgive your children, communicate, and work with them to understand the impact of negative behavior and importance of forgiveness. When you feel they understand, tell them, “I forgive you, I love you, and I will always love you.”
7. Be a role model. Children learn a lot from what they witness in their parents.

Step 3

Additional Forgiveness Tools & Techniques

• Now, in Elul, it’s especially important to make a Chesbon Hanefesh ()a soulful personal accounting. Be vigilant by checking internally (regularly), who you would like forgiveness from, and who you owe forgiveness to. In the example of parent/child, this can be a weekly or monthly scheduled event; a face-to-face sit down where you both discuss if forgiveness is needed.
• Clear-up communication and awareness through writing notes, letters, or giving your child a heart-felt card. This will continue to reinforce that your child is seen, heard, and understood while strengthening their foundation for living.• Encourage a strong relationship with Hashem, Torah, and Mitzvot.

Net-Results

If we model the Almighty’s attributes of compassion and forgiveness, it is easier for us to be free of negative emotions and held back by grudges. Forgiving yourself as a parent creates space to forgive your children. Forgiving your children empowers them to grow within themselves, spiritually, and in relationships.
May we all be inscribed in the Book of Life for a Sweet and Blessed New Year!

When you’re planning your holiday menus, you need to find a balance between serving the favorite dishes everyone looks forward to and introducing foods that are healthy, tasty and a new treat. I am always looking in magazines for new cooking ideas, new ways to prepare the chicken or roast, or a vegetable or rice dish.

I begin with a menu for each of the four meals, and establish a shopping list and time line for cooking. I try and make the food ahead and freeze, if possible. I divide the cooking into two days before, day before and same day tasks. I assign tasks to the children, my housekeeper and anyone else who comes by. Guests generally know it is a lot of work, and are appreciative of a way to contribute to the home cooked meal.

Each year, for the holidays, I contribute recipes to IMAGE Magazine, and I generally include the recipes for the brachot said prior to the evening meal. These dishes are Lubya (black eyed peas), Krafseeya (Swiss Chard), leeks, Hilu (candied spaghetti squash), tongue (some people use a cow’s head or a whole fish), pomegranate seeds, dates, and apples dipped in honey. My typical evening menu will include a roast, some type of chicken, a vegetable, rice, potatoes, meche (either stuffed squash or eggplant). If I am ambitious, I will make stuffed veal. Of course, we begin the meal with mouth-watering round sweet challah, representing the circle of life with sweetness for the upcoming year.

This year, I am providing new recipes, some of which are in the Sarina’s Sephardic Cuisine app, and a salad, which is in my new book Backyard Kitchen: Mediterranean Salads. The book honors my mother and grandmother, both of whom were models to me in cooking and entertaining.

The new recipes include items from each course of a meal. Most are not typical Sephardic meals, but add variety to each course. My mushroom bourekas are an easy, make ahead appetizer and can be cooked in 15 minutes and placed out for guests as they arrive, so they can have something to nibble on. The parsley potato frittata is an easy way to serve a potato dish that is tasty. A frittata is basically a vegetable baked with eggs. I like this dish because it allows me to portion the potatoes and serve them in wedges. Seasonal items must be incorporated into the meal. Corn, tomatoes, mint and basil are in plentiful supply this time of year. My minted corn and heirloom tomato salad uses totally delicious corn that comes off the grill.

The garlic infused veal roast creatively infuses the roast with luscious and smooth garlic flavor in every slice. For fish lovers, and those who are watching their waistlines, my salmon with pomegranate glaze makes use of the pomegranates and gives it an awesome flavor. My fruity rice pilaf is a recipe I attribute to my Aunt Lorraine Shamie, one of the ultimate cooks. She gave me this recipe early in my marriage and I only use it for guests. It is elegant and simple, and always gets rave reviews.

A typical Syrian meal is followed by tea or coffee, platters of fresh and dried fruit and homemade pastries. This is the time to break out the baklava and that sweet honey cake. To add diversity to the expected desserts, my chocolate cranberry brittle tart is rich and sweet.

Mushroom Bourekas

Mushroom bourekas are an easy appetizer to make ahead. Just pull them out of the freezer and bake as needed!

Ingredients:
• 1 pint mushrooms, cleaned and sliced
• 3 cloves garlic, minced
• 2 tablespoons oil
• 1 teaspoons kosher salt
• ¼ teaspoon pepper
• 2 tablespoons parsley, chopped
• 3-4 tablespoons bread crumbs
• 24 mini puffed pastry squares
• Egg wash (1 egg beaten with 2 tablespoons water)
Directions:
Heat oil in skillet. Add mushrooms and garlic and saute 5-10 minutes. Add salt, pepper and parsley. Mix well and cook. Strain and put in food processor with bread crumbs. Mixture should be dry.
Prepare cookie sheet lined with wax paper. Preheat oven to 350˚. Take 1 teaspoon mushroom mixture and place in center of puff pastry. Wet edges with water. Fold over into triangle and seal edges.
Place on cookie sheet. Repeat until all of the mushroom filling is finished. May be frozen at this point. Store in airtight bags.

To Cook:
Preheat oven to 375˚. Spray cookie sheet with cooking spray. Place bourekas on tray and brush with egg wash. Bake 20-30 minutes until pastry puffs and is golden brown.

Parsley Potato Frittata

Ingredients:
• 2 lbs. red potatoes, diced
• 1 tablespoon kosher salt
• 6 tablespoons oil
• 1 onion finely chopped
• 3 cloves diced garlic
• 1 green pepper, diced
• 1 teaspoon kosher salt
• ½ teaspoon white pepper
•½ teaspoon thyme
• 3 tablespoons parsley finely chopped
• 6 egg

Directions:
Place potatoes in a 3 quart saucepan and cover with water. Bring to a boil with 1 tablespoon kosher salt and simmer 10 minutes. Drain and set aside.
In oven proof skillet, heat oil and saute onion and garlic until translucent. Lower heat and add potatoes, pepper, salt, pepper, thyme and parsley. Mix slightly and simmer, covered 10 minutes.
These breakfast potatoes can be served as is. To make a frittata, whisk 6 eggs and pour over the potatoes. Simmer until set on low heat, about 10 minutes until edges look set.
Place in 400˚ oven for 15 minutes to finish cooking. Remove from oven.
To serve, loosen sides. Place a dish on top of the skillet and turn over. Serve in wedges. Garnish with parsley.

Minted Corn and Heirloom Tomato Salad

Ingredients:
• 2-3 ears of cooked corn
• ½ chopped red onion
• 2 cloves of garlic, minced
• 2-3 heirloom tomatoes, cut in wedges
• 3 tablespoons olive oil
• 1 lemon, freshly squeezed
• ½ teaspoon kosher salt
• ¼ teaspoon white pepper
• 10 basil leaves, rolled and sliced
• 20 mint leaves, chopped
• 6-10 mint leaves, whole

Directions:
Using a sharp knife, slice corn off of husks. The corn will come off in pieces. Place in bowl with tomatoes, red onion, and garlic. Gently toss.
Mix the oil, lemon, salt and pepper. Add basil leaves and chopped mint leaves to salad. Pour dressing on top and gently toss. Sprinkle remaining mint leaves on top.

Garlic Infused Veal Roast

Ingredients
• 4 lb. veal roast
• 1 teaspoon kosher salt
• 1 teaspoon white pepper
• ½ teaspoon paprika
• ½ teaspoon oregano
• ½ teaspoon parsley flakes
• ½ teaspoon thyme
• 4 tablespoons olive oil
• 6 cloves garlic
• ½ cup broth
• 1 teaspoon corn starch

Directions:
Preheat oven to 350˚. Cover veal roast with rub made from all of the spices and 2 tablespoons olive oil. Using a sharp knife, make slits in the roast and insert garlic cloves whole.
Heat remaining 2 tablespoons oil in skillet. Place veal roast in skillet to brown the outside. Turn every 6-7 minutes until completely brown.
Place veal roast in covered roaster in oven for 1 hour. Pour 1 cup water on roast and cook another 45 minutes. Remove from oven and let cool. Cut thick slices and place on platter.
To make gravy, deglaze roaster with ½ cup beef broth. Strain into saucepan. Add 1 teaspoon cornstarch to ½ cup water and mix well. Add to gravy and cook on low heat for 5 minutes to thicken. Serve with roast.

Ingredients:
• Four 6-oz salmon fillets
• 2 tablespoons olive oil
• 1 teaspoon salt
• ½ teaspoon pepper
• 3 tablespoons pomegranate juice
• 1 tablespoons mustard
• 3 teaspoons fresh parsley, chopped
• 1 teaspoon fresh dill, chopped
• 1 teaspoon lemon zest
• Juice of 1 lemon
• 1 cup pomegranate seeds

Directions:
Preheat oven to 400˚ degrees. Line cookie sheet with parchment paper. Place salmon on tray. Brush with olive oil and sprinkle with salt and pepper.
Mix pomegranate juice with mustard and spread on fish. Bake fillets for 10-12 minutes or until flaky when tested.
Mix parsley, dill and lemon zest. Top fish with spice mixture, dividing equally. Sprinkle with lemon juice and pomegranate seeds.

Fruity Rice Pilaf

Ingredients:
• 3 teaspoons oil
• 2 cups long grain or basmati rice
• 2 teaspoons orzo
• 2 cups water
• 2 teaspoons kosher salt
• 2 cups vegetable stock
• 1 cup chopped dry fruit (apricots, prunes or dates)

Directions:
Wash rice in cold water and drain. Repeat three times to remove all starch.
Heat oil in bottom of 4 quart saucepan. Add orzo. When orzo begins to turn pink, add water, stock and salt. Mix well. Allow water to return to a boil. After 5 minutes, lower heat and cover. Wait 10 minutes and turn off.
Add dried fruit, mix and cover. Allow to sit. Mix well when plating.

Chocolate Cranberry Brittle Tart

Ingredients:
• 1 pie crust
• 8 oz. dark chocolate, chopped
• ½ cup sugar
• ½ cup brown sugar
• ¼ cup light Karo syrup
• 1 cup parve heavy cream
• 1 teaspoon vanilla
• 1 cup cranberries
• ½ cup chopped cashews
• ½ cup brittle bits
• Caramel sauce

Directions:
Spread pie crust to edges of removable tart pan. Bake at 400˚ for 9 minutes until it looks slightly dry. Remove from oven and spread chocolate on top of the hot crust. It will begin to melt. Reduce oven to 350˚.
In saucepan, combine the sugars, Karo syrup and cream. On medium heat, mix well and allow to come to a slow boil. Keep mixing until it thickens. Remove from heat and add the vanilla, brittle, cashews and cranberries. Pour on top of chocolate. Bake 20 minutes. When cool, drizzle caramel sauce on top.

Wishing you and your families a happy and healthy New Year!

On any given Monday or Wednesday this summer, you’ll find me riding up to Larchwood Synagogue on my bike (or in a car on a lazy day). I walk down the path behind the building, and duck beneath the rows of canopies to sit down at ONE of the tables and chairs provided. I take out my humash, open to Sefer Bemidbar, and rub my hands together in anticipation for today’s packet of sources, painstakingly and generously put together by Rabbi Albert Setton. When I skim through the subject matter, my heart flutters with anticipation. I have not studied Parashat Korah since high school, and I can’t wait to see what I’ll discover today about myself, my religion, and my fellow students.

The two hours fly by quickly, and somehow we’ve touched upon crowd psychology, the purpose of a “good” or productive rebellion vs. a “bad” or nefarious one, the prominence of roles and boundaries in Judaism, and why Ramban’s argument here might hold more water than Ibn Ezra’s on the timing of this event. The thing is—we haven’t even gotten through half of today’s sources.
I leave with my brain tingling. I leave feeling invested in the words, the story, the lessons. I leave feeling closer to the Torah than I have felt in years.

When I tell my family and friends that I am participating in Allegra Franco’s first ever Bet Midrash for women in the community, they raise their eyebrows in surprise. Let’s just say I’m usually the one questioning how the stories and laws in the Torah apply to my life as it is now. Growing up, I attended a yeshivah that tried its very hardest to impart the lessons of the Torah through the words of the Tanach and the Mikraot Gedolot. From Bereshit to Debarim to Melachim 2 and on, I watched the realization of one G-d dawn onto one man and then flourish into a nation that defeated its enemies and then, ultimately, defeated itself. I learned how that tradition was preserved throughout thousands of years, with discussion and self-imposed boundaries between us and other nations.

Yet, I never felt like part of that story. I always felt like the story was being told to me by someone else. I might have been projecting my own feelings of insecurity, but I felt that my interpretations of the text didn’t matter in the face of these untouchable Gedolim who had already laid the path out for me.

That was until I saw the introductory video about the Bet Midrash during a women’s Zoom learning session the night before Ereb Shabuot. That night, the participants were provided with a source sheet on the subject of women learning Torah. I believe the content was meant to light a fire under the participating women. We all came back from our Breakout Sessions ready to defend our capability in the face of what Rambam had to say on whether women could take the Torah seriously or not! Once we were mollified by Rabbi Setton’s explanation that we now live in a time when women are more scholarly and therefore able to handle the study of Torah, we watched the video on a new Bet Midrash initiative. My heart was pounding as the Rabbi fielded questions, and as I began to understand that this is the kind of Torah-learning I had been waiting for my entire life.

“Is this only for people who want to be teachers?”
No.
“So it’s open to anyone who wants to study?”
Yes.
“Does this have a typical class format, with a teacher teaching and students listening?”
No.

This is two women sitting down and discussing the text together, much like the Habruta format used in a common Bet Midrash. I signed up immediately to study Sefer Bemidbar. I had always seen Sefer Bemidbar as a strange collection of numbers and names, with several extremely dramatic occurrences strewn throughout that would change the trajectory of an entire generation of desert-dwellers. Under Rabbi Setton’s watchful eye, it has become so much more than that.
I still have chills when I think about the day we were given our source sheet on Sotah. From what I vaguely recalled learning back in high school (over fifteen years ago!), this was some crazy law that allowed a man to put his wife through public humiliation because he suspected she was cheating on him. If it got to the point when the woman was brought before the Kohen, her guilt or innocence would be determined when she drank bitter waters prepared for this very purpose. If she was guilty, her belly would swell and explode. If she was innocent, nothing would happen. And after all that, her reward for being innocent was to have a child with the very man who put her through this whole thing!
I almost dared anyone there to convince me this wasn’t some example of how women were treated unfairly. My partner Aimee and I began to dig into the text. First we went through the peshat. We went a little deeper, and learned about all of the pieces that would have to be in place for a couple to even get to the point where the drinking of the bitter waters would be necessary—how many warnings, or witnesses, or opportunities both parties had to back out of this ordeal!
We learned that the woman had the ability to back out and demand a divorce. We learned that the waters wouldn’t work if the man had any sin on his conscience. We learned when witnesses were needed and what words needed to be spoken.

At first, all of these steps and conditions seemed tedious, but Rabbi Setton asked in his amused, quiet manner, for us to carry on to the end.

We came to the end with an astounding realization. At the end of the day, after very specific conditions were met that allowed for a couple to make it this far into the process, the only reason a woman would stand before her husband, the Kohen, and the gathered, and take a chance in drinking those waters, was to prove her innocence to her husband so that they may start a new life together free from the suspicion and guilt.

We suddenly understood why pregnancy would be a natural reward with that intent. I was floored! I went out with friends that night and, still thrilled with my realization, explained to everyone what I had learned that day. That week at shabbat dinner, I described to my family the moment I understood that sotah was more marriage counseling than public humiliation. Why was it different to have learned about sotah this way? Wouldn’t it have been the same if I had asked a rabbi this question, on why a woman should be treated this way, and he came back to me with this explanation? I would argue that, no, it would not have been the same.

I went into that day’s session with my own prejudices. When that happens, no amount of explaining, even by a rabbi I greatly admire, could completely erase that uneasy feeling. But through our study and discussion, Aimee and I were able to grasp the deeper meanings of the text. Our dialogue was at times fiery, at times confused, at times in sync. Yet always, we felt like we were forging our own connections with the text. Rabbi Setton may have given us the pile of cobblestones, but we laid down the rocky pathway to understanding through our own struggle with the words of the parasha.

The Allegra Franco Women’s Bet Midrash and Teaching Fellowship Program stemmed from the idea that in order to turn out solid Judaic Studies teachers, teachers need to own the material they are teaching, not just relay to their students what they themselves had learned. Imagine how much more passionate a teacher would be about making sure her students understand the lessons of sotah when she herself had grappled with the content herself! Imagine how much more receptive to questions she would be when she herself had learned in an atmosphere that didn’t just tolerate questions, but welcomed them!

I feel so grateful that the Bet Midrash opened its doors to all women, not just those seeking to become teachers. I am so excited to delve into Sefer Tehillim this fall. I am so excited that this Bet Midrash opened up a part of my brain that was beginning to grow dusty from years out of practice. I am excited about everything I’ve learned, and everything I have yet to learn.

The year 2020 has opened our eyes to the world’s truest heroes—our dedicated doctors, nurses and healthcare workers. I am writing to express my utmost gratitude to the staff at Maimonides Medical Center for helping to save my life. It is ultimately G-d who heals, but the messengers he sent to heal me deserve a huge thank you. Hashem has given me a second lease on life and I now appreciate every second. Every breath we take is a gift from Above and we should never take anything for granted.

On April 24th, I woke up with extreme shortness of breath and was rushed to a hospital. On arrival, I was diagnosed with COVID, despite the fact that repeated tests came back negative. After two weeks, I was sent home with oxygen to “recover.” One night later I had another attack and woke up with even worse shortness of breath.

Selfless Hatzolah volunteers from our community arrived and did an EKG, fearing that I was having a preliminary heart attack. They decided to rush me to Maimonides. The decision to take me to Maimonides is what saved my life.

At Maimonides, they figured out exactly what my issue was. It was not COVID-19 at all—I had a faulty heart valve that was in need of repair. All the symptoms I had were pointing to that diagnosis, and the Maimonides team was able to look beyond the raging pandemic to find the true cause of my distress. Once open heart surgery was scheduled, the nurses and doctors saw to it that I was comfortable and cared for. No visitors were allowed because of the pandemic, which was scary for me and my family, but Maimonides was sensitive to that issue and made sure to update my family throughout the whole process.

The nurses and doctors were like my surrogate family. They walked me through every step and held my hand as I recovered. Dr. Israel Jacobowitz, my heart surgeon, did an amazing job. He was there to answer all my questions. Replacing my faulty heart valve would have been easier and taken less time; nevertheless, he put his full effort into repairing the valve. Thank you, Dr. Jacobowitz, for fully repairing my heart.

Maimonides is ranked one of the top hospitals for cardiac-related issues and I can personally attest to this. I would love to single out all the doctors, nurses, and especially the Sephardic patient reps, who helped me recover and get home, but there are too many to name. Thank you to the entire staff at Maimonides for putting aside your personal needs and risking yourselves to help others. You are truly heroes.

To say that COVID-19 devastated all areas of life is an understatement. With New York hit the hardest, real estate transactions ground to a halt, as social distancing and business closures became the norm for slowing the spread. With restrictions slowly lifted, many home buyers and sellers are wondering what the real estate industry will be like post COVID-19. Let’s take a look.

Rebound

New York is already seeing a significant rebound in real estate activity and is expected to continue on this path, with major restrictions lifted. Those sellers who pulled their homes when the pandemic hit are slowly putting them back on the market. So, expect to see an uptick in inventory and buyers. From here, several scenarios may take place in the coming months to a year.

Possible Bargains

There may be bargains to be had out there, particularly with sellers who found themselves stuck with two properties when COVID-19 shut things down. After several months of paying two mortgages, sellers may simply be looking to get the added mortgage out of their hands as soon as possible. As a result, there is the possibility of negotiation and price drops to sell quickly.

Possible Exodus

While the city hasn’t announced its plan for schools in the fall, the eventual announcement could cause a shift in the real estate market. For concerned parents, opening schools may be the impetus to move from the city, and buyers should anticipate a flood of properties on the market around the time of the announcement. Again, this is a possibility, not a probability.

High-End Properties Lull

The mass evacuation of the city by those with second homes will likely cause a continued lull in the high-end real estate market. As many of those buyers haven’t yet returned, and likely won’t until the end of summer, the luxury market is expected to continue on its slow trajectory. Expect this market to pick up in the fall.

Differing List of Must-Haves

For those buyers who didn’t retreat to the suburbs when COVID-19 hit, the list of must-haves is different from pre-COVID-19 times. With many companies seeing remote and telework options as viable and productive, they’re allowing employees to continue to work at home. As a result, buyers want more living area to work comfortably from home, in addition to specific amenities and perks such as in-unit washers and dryers and soundproofing.

Suburbs Are Hot

While there are many die-hard city dwellers, there will be an exodus to the suburbs as a result of COVID-19. Many New Yorkers are opting to head to the suburbs for larger living spaces and outdoor areas after experiencing remote work. While many won’t have the option to work 100% remotely, commuting into the city one or two days a week is much better than five.

Home Prices Remain Steady

While there is the possibility of finding a bargain on the market, many homes will have prices that are equal, if not a little higher, than pre-COVID-19 rates. There will always be a demand for housing in Brooklyn, so buyers should expect to pay the asking price.

Best Time To Sell

For sellers, now is the best time to sell before the recession hits, and uncertainty wreaks havoc on home prices. If you’re a seller considering selling in the next two years, this is the year to do it, when pricing is predictable, and you get fair market value for your property.

The COVID-19 pandemic has shaken up nearly every aspect of American life. To say it’s been a difficult time would be an understatement.

However, difficult times may open doors to new possibilities. Businesses are changing their ways of operating, and individuals are exploring new avenues for investment. It may be time for you to consider some opportunities, as well. One consideration is a Roth conversion.

What Is A Roth Conversion? A Roth conversion refers to the transfer of an Individual Retirement Account (IRA), either Traditional, SIMPLE, or SEP-IRA, into a Roth IRA. With Roth IRAs, you pay tax on the money before it transfers into the account.
One benefit to having your money in the Roth IRA is that, unlike a Traditional IRA, you currently are not obligated to take Required Minimum Distributions (RMDs) after you reach age 72 (RMDs would be required to any non-spousal beneficiaries, however).

Another benefit is that since the money was taxed before going into the Roth IRA, any distributions are tax-free. Keep in mind that tax rules are constantly changing, and there is no guarantee that Roth IRA distributions will remain tax-free.

Why Go Roth In 2020? In the face of the market downturn after the COVID-19 outbreak, you may be in a unique financial situation. For example, suppose you have an IRA account that was worth $1 million before the downturn, but it’s currently worth $800,000.

Perhaps your income has also decreased, potentially putting you in a lower tax bracket. Maybe you own one or more businesses, such as restaurants, that have been closed. You may not yet know if these businesses will be opening again in 2020. Your income could hypothetically be considerably lower this year than last year. But, this may present an opportunity. Less earned income may mean lower total taxes due on a Roth conversion, especially if the overall account value has dropped.
Keep in mind, this article is for information purposes only and is making an assumption on an IRA account’s value and applying a hypothetical drop in earned income. We recommend you contact your tax or legal professional before modifying your retirement investment strategy.

No Turning Back. While this may be a good time for you to consider converting to a Roth IRA, remember that there’s no turning back once you do. The Tax Cuts and Jobs Act of 2017 decreed that Roth conversions could no longer be undone.
A Roth IRA conversion is a complicated process, and it’s wise to involve your trusted financial professional.q

So many stories have been told about Stanley Chera A”H. His passion. His business acumen. His vision. His wit. His moral compass. But above all, it is his tenderness and full heart that stand head and shoulders above it all. With unmitigated strength and determination, Stanley Chera loved and lived and shared. He truly enjoyed this world and the people in it, and his joie-de-vivre created a bridge for all of us to be a part of the electrified atmosphere he and his beautiful wife Cookie created. His approachability, rock-solid integrity, and generosity are the standard to which we all aspire.
Stanley had a love for all children, but he had a special love for special children. He rooted them on, encouraged them, and fought for them. Maybe he saw the potential and the possibilities ahead of them. Maybe he saw the pure love in their souls. Maybe he even saw a bit of himself in them, battling every day for a better life.

The History

Built with the love, sweat and tears of a few devoted individuals and a cast of hundreds who support them, The Special Children’s Center started with two kids in Jenine Shwekey’s basement after school; then four, and then six. When she and Chaya Bender found themselves taking care of 16 kids they expanded into a bright and cheery apartment and began to ask for help.
The year was 1996, and they were just teenagers at the time. As they began to ask for donations of furniture, services and money to bring joy to these kids, many friends and acquaintances discouraged them, but it only made them work harder. One by one, people joined their cause, as they formed the alliance that would become the Special Children’s Center; Richie Dweck, Elliot Tawil, Harry Adjmi, Dr. Gayle Krost, Michael Cayre, Norma Cohen, Jeff Sutton, Steve Rosenberg, and of course, Yaakov Shwekey, the Center’s most vocal supporter. They pushed for every dollar, every expansion, every square inch of play space, and every tool needed to make each special child’s life the most it could be.
Today, Jenine and Chaya’s dream is thriving. The Center hosts more than 450 special children daily across three locations. Every year, the number of families needing the Center’s services grows. Every year the Center needs to grow with it.
The day that Stanley Chera first met the founders of Special Children’s Center, it was at an event that took place in his own home. It was July, 2013. His daughter-in-law, Carol had been doing arts and crafts with the Center kids together with a few of her girlfriends. Later on, her daughters began visiting the Center on their own, once a week. They became attached, finding something beautiful in these kids, and when Jenine and Chaya were searching for an event venue, she suggested the Chera home in New Jersey.

Stanley said ‘yes’ without asking too many questions. That year they had created a “make a wish fashion show” for the children. Norma Cohen held the microphone while wishes came to life in every form, from front row tickets to Selena Gomez and Justin Bieber, to princess dreams, basketball star introductions, and so many other joys, large and small. When Stanley arrived home on the day of the event, he found a helicopter on the lawn, a forty-foot runway in place, and a white horse complete with Cinderella carriage in tow. He was in awe. This was his kind of show, and he could not believe his eyes. He looked at the two young women in charge and said incredulously, “Who are you, and how did you make this happen?”
Jenine recalls, “I think he saw a lot of himself in us. The crazy lengths we went to achieve our goals, the constant push and the sheer love for these children. He was on board immediately, and when we took him to Lakewood to see the building and meet the kids, he was as in love as we were.

The Businessman

Stanley Chera was and will always be a legend. He was known to be smart, savvy, and unbelievably creative. His enthusiasm was contagious, allowing him to appreciate the value in things many others could not fathom.
Born to Isaac and Florence Chera A”H, Stanley was raised in Brooklyn with two sisters, Helene and Louise, and a younger brother, Morris. The family grew up simply, without much money or fanfare, and Stanley worked after school delivering newspapers on his bicycle. When his dad took over a small hat store to open a discount children’s wear shop, he could not even afford to buy a new sign for the storefront, so Suzette’s Hats became Suzette Kiddie Togs overnight, and the seeds were planted for a future in the children’s wear business for the Chera family.

Isaac Chera fell ill at a young age, and so Stanley began working when he was just 13 years old. He was so young. He took the train to Fulton street alone, while his mother constantly worried where he was. By the time he was 15, he quit school to work full time, helping to support his family and running the store on his own. It wasn’t an easy road, but that only gave him the incentive to want more, and the motivation to work harder for it. He was surrounded by successful people. He had smarts and wits and drive. As his business grew from a 500 square foot store to a 10,000 square foot store, and then to a chain of stores called Young World, Stanley fought to make a name for himself and his family. As retail began to decline, he realized there was greater potential in the land itself than in operating the business. He started to buy the real estate on which his stores stood, and kept going. He was not afraid to go big, and then bigger still.

Stanley was a powerhouse and a miracle maker. His passion, creativity and fortitude would help change the face of retail, both in Brooklyn and on 5th Avenue. His attention to detail and smart business sense not only made him one of the most respected men in business today, but a force to be reckoned with worldwide. They called him “The Shark,” fittingly. Powerful, efficient and dynamic, Stanley was never afraid to swim with the big boys. He moved mountains every day, and his foresight and prudence created the foundation for the future of the family’s real estate business, Crown Acquisitions. The fact that his heart was made of pure gold was the cherry on the sundae.

The Philanthropist

For so many years, Stanley and Cookie stood at the forefront of the charity that this community thrives on. Stanley loved to plan parties and it was with joy and pleasure that the Chera’s gave back, elegantly and impeccably, hosting gala after gala at their home, lending their name and services to so many organizations. As founders of the Sephardic Community Alliance, they set the example. They are key donors, if not founders of almost every charity our community depends on, including SAFE, UJA, Sephardic Community Center, Bikur Holim, Food Fund, American Friends of Rabin Medical Center (Israel), Exceed, and United Hatzolah, among so many others. Stanley also arbitrated countless dilemmas in both personal and business situations. Stanley supported so many causes, from youth to health issues, both within our community and worldwide, but amongst all this giving, The Special Children’s Center stands out.

Jenine recalls the planning of the first Cipriani event. “When Stanley was working with us it was still ‘work’ for him; his mind reeled the same way it would for any business deal. ‘We need to raise big money. What’s hot now,’ he asked out loud. ‘Real Estate,’ he said, answering his own question. ‘And what’s the hottest place in NYC?’ Cipriani. And so, we began plans for a Real Estate event in Cipriani for the Special Children’s Center. We had no idea what we were doing, but Stanley guided us through every step of the process. He challenged us, and it only pushed us to excel.

“We held the Cipriani event to tremendous success three years in a row. At the last one, we invited Lloyd Goldman to speak in Stanley’s honor. It was a surprise, and when he walked onto the stage, Stanley was floored. I remember him smiling, and looking at us in that way he had, ‘You girls don’t stop,’ he said. He was always so proud of us.”

Stanley believed in the power of these kids, and in a speech that he made in 2016 he said, “When a parent has a special child, it is not what they bargained or hoped for, but it can still be a blessing…We have so much to gain from the purity and innocence of these kids; from the sheer joy they get through the simplest of activities… You have to understand what this Center is for these kids. Go and visit, see for yourself. It is truly jaw dropping.”
Richie Dweck, the Center’s very first supporter, explains, “Stanley had real rachmanut (empathy) for the children, and for the mothers who roll up their sleeves and give so much daily. He understood that for them this Center is a necessity. The kids gravitated towards him, too, like a big teddy bear. They saw the sunshine in him, and when Stanley called on donors it was his sincerity and true love for these kids that inspired them to join him in this cause. From the day he stepped foot in the Center the dynamics changed dramatically. He really brought these incredible children into the limelight.”

Stanley’s Girls

Jenine and Chaya became Stanley’s girls. They had a standing date with him every Friday. Chaya would bring his favorite, homemade chopped liver and Jenine would bring her energy and excitement for a cause that never stopped breathing. Stanley was often heard proclaiming, “These are the forgotten children. And as long as I am alive, they will not be forgotten.”

Jenine explains, “We lost a prince the day Stanley passed. I remember the first day he came to the Center. He was wearing a bright orange sweater. When he came inside to meet the children he just burst out crying. He fell in love with the kids and the place, but did not understand why we had several trailers attached to our state-of-the-art building. We explained that unfortunately the demand is just too high, and we didn’t want to refuse any children. We had to create more space, we could not say no. He wiped his tears, and immediately began going through his personal phone book, making calls and matching each donation as they came in. Chaya and I and Richie were all there. He looked at us and said, “You are going to get this building built and you will not be in debt. I am going to help you raise the money, and it will happen, I promise you.”

Norma Cohen, world renowned event planner and dear friend to the Chera’s remembers, “I believe that Stanley was the single person to give these girls the confidence and courage to raise money to numbers they never dreamt about. He was as excited about Center events as his own black-tie parties. He was involved in every step, and couldn’t wait to see the success. I remember when we were in Cipriani he would come check on the setup in the middle of the day. He’d make sure the model of the new building was set up just so, and that the seating arrangements were perfect. He did this selflessly, with nothing to gain. He just had pure love for these children.”

It’s Not What You Know…

Chaya Bender remembers, “We’d walk into Stanley’s office, sometimes with an appointment, and sometimes without, but no matter what he was doing, he made the time for us. One time, Stanley excused himself because the Oval Office was on the phone. Moments later he was right back there with us. Another time, Yaakov got us a last-minute meeting with a big fan of his, Brazilian businessman and tremendous philanthropist, Mr. Elie Horn. We called Stanley and told him we were 20 minutes away. He replied, ‘I’ll meet you there in 10.’ That was his way.”

We all know that Stanley was unafraid of people, and nobody was too big or powerful for him to approach. He had known Donald Trump from the real estate world and met him when he was one of 16 candidates running for President. He liked him and believed in his platform, and so they became fast friends. What people may not know is that Stanley did not ask much from the President, not for himself or the community. Except for one time.

Jenine recalls, “Charlie Kushner invited us to a Hanukkah party at the White House. We were so excited! We were allowed to bring just one guest. We decided it would be a special child, Bo. It was not an easy task. Bo had a ventilator and a wheelchair, but he also had a real dream to meet the President of the United States. When we arrived, we were part of a large crowd at the party. We tried to get close to Trump, but everyone was ignoring us. Bo was so disappointed. We called Stanley, and of course, within moments, the President made his way past security and towards this incredibly special boy. It was crazy. I am told it is the only favor he ever asked of the President. A special favor for a special child.”

Family

Stanley was the ultimate optimist who lived every day to the fullest. While his business dealings took much of his time, his crown jewels were truly the wife he adored, his three sons and daughters-in- law, and his many grandchildren and great grandchildren. He loved life, and when he passed at 77 years old, on April 10, 2020 due to complications from COVID-19, a light went out in this community and around the world. He was a force on more fronts than anyone can imagine.

Stanley marveled as his dynasty continued to grow. His children refer to him as the glue that kept them all intact, and insist that he always put their needs before his own. As far as he was concerned every problem could be solved, and every pinnacle could be reached and surpassed. No decision was ever made without him, and it’s no wonder, because Papa always knew best. He did everything with a smile, and without stress. He was not afraid to be who he was, and by example, he gave his family the impetus and direction to live lives of honesty, philanthropy and industry. He was their greatest protector, and his sons Isaac, Haim and Richard follow his lead.

Renee Chera, Haim’s daughter recalls, “His dedication to the Special Children’s Center was unexpected, but as we watched how he connected with the children, we realized that it wasn’t about the money or the building. It was truly about the kids. He just always felt that these kids were his responsibility.”

Stanley H. Chera agrees, “My grandfather’s life was not linear. It was full of ups and downs, and I think these kids resonated with him because they’re the underdogs, like he was, once upon a time. He had a personal investment in them to succeed, and he wanted to provide the best for them as he would for any one of us. He always reminded us that money had no inherent value. He only used it as a tool, a conduit to do the things he wanted to do and to better the lives of those around him. ‘It is not about how much you have,’ he would say, ‘but what you do with it that is important.’ He gave us more than we could imagine, not trying to impress us, but because it was his way. Even when he got others to match his donations it was him sharing in the mitzvah of giving. It was always out of love.”

Stanley never took ‘no’ for an answer. He didn’t ask for money for the Center, he demanded it. Harry Adjmi recalls, “Stanley was so sensitive to the kids. He’d say, ‘we have to do everything we can because they can’t help themselves.’ He wanted all the children to be taken care of, and wanted to be sure that we’d have enough space to handle any child that needed the Center’s services. He believed fully in the new building and was determined to see it built within the year. He had a unique power with people because he was genuine and they knew it.”

Christine Lompado, executive assistant to the Chera family, planned thousands of appointments for Jenine and Chaya and Stanley over the years. She adds, “All I can say is how dear the Center project became to him as the years went by. He loved the kids and wanted to make sure they had the best. The energy of Chaya, Jenine and Gayle propelled him to want to do more.”
In 2020, almost 25 years since its inception, so many more have joined the Center bandwagon, Elliot Aizer, Jack Scaba, David Hillel, Jack Klugman, Sam Zeldes and so many new young minds. Center care is 24/7. Every weekend. Every legal holiday. It’s a place of music and dancing and art—dinner and bath time. They take the children on vacation and provide work skills and homes when the kids become adults. This is not a school, but a respite for families with special children—a place where the kids can play and relax and learn, and be free of labels and stares. This Center is unlike anything else in the world.

On June 15, 2020 The Special Children’s Center made history with the live fundraising event of the summer, Singing in the Rain. Between the virus, the quarantine, the looting of our beloved city, and most devastating, the illness and death of far too many of our loved ones, G-d knows we have seen plenty of rain. And yet, today, while sadness fills our hearts, we find ourselves taking a page from the Special Children’s playbook, pushing through to the sunlight, singing and smiling. I say to myself, Hashem has a plan. He is forming an army up there, and without question, our beloved Papa, Stanley Chera A”H, must be the general.

Jenine concludes, “Stanley’s children would tell me that when he was with our kids he would have his best day ever. It felt like he was the captain of our ship; he’d lift everyone up, like it was his responsibility. He was always thinking of us and taking care of us; we never had to remind him. He had big dreams for these children, and I hope that his dreams carry on now that he is gone. We are so grateful. Our hearts are broken.”

Thank you to all who shared their stories with me, we have lost a diamond this year. To share in Stanley’s mitzvah and donate to Special Children’s Center please contact chayab@thecenternj.org.

DSN’s continued strength and success has demonstrated resilience and hard work through new unforeseen difficult challenges. As the state began re-opening, DSN once again was on the forefront.

DSN’s youth are the future of tomorrow, and we know how tough it has been on all children during quarantine. Accordingly, DSN strived to provide multiple cooking and baking demos by amazing volunteers.
For kids in the food category, DSN organized string cheese and yebra making with Nicole’s Kitchen, baking with adolescent girls with Sari’s Sweets, Macaroon making for kids with Alexis Cohen, ka’ak and rice pudding making with Evelyn Safdieh, kelsonnes making with Norma Blanco, a challah bake with Shelly & Frieda, and a tutorial on how to make TEENie S’mores pies by editors of QuaranTEEN magazine Jacob Smeke and Marilyn Chehebar.

DSN also had an eyebrow quick fix and makeup tutorial with make-up artist Stephanie Hassoun. PJ Jams are also a continued success with DSN, along with hangouts that now include Kahoot personalized trivia for 3rd, 4th, 5th, and 6th grades.
Frieda Betesh, a DSN mother of two, exclaimed, “No matter what, PJ Jam is a night we never try to miss. DSN always provides the best entertainment and my kids never fail to enjoy!”

Other activities have included Story Time with children’s book author Marilyn Harary, Yoga & Dance Movement with Sally Cohen, and an awesome dance party with DJ Ike Douek. For Erev Shavuot, DSN created an awesome garden-themed day program with tutorials on gardening, making edible dirt cups, art flower centerpieces with Jill Levy, and a tutorial on gorgeous Har Sinai cupcakes by Michelle Saka. DSN never skipped a beat.

On Sunday, June 7, DSN quickly converted the outdoor basketball courts at the DSN Beach Club to a massive group exercise studio. Starting with a class of 25, per Governor Murphy’s outdoor gathering limit, DSN’s app came in handy allowing members to book a spot in one of three classes per day. As soon as the limit was extended to 100 people, class capacity increased to allow for more members to join in. Each member who books a class on the app gets a 12’x12’ marked-off area to stand in. DSN provides sanitized equipment and towels for members to use which are then disinfected after class. DSN’s year-round instructors provide a variety of types of classes at the beach club including dance fitness, strength and toning classes, boxing, Pilates and yoga. Members keep coming out to take classes and expressing gratitude to be able to exercise with DSN.

In addition to the classes being offered 6 days a week, there are also evening outdoor cycle classes in the parking lot in front of DSN. This started with 25 participants and the capacity has been increased to allow for 15 more.
Men’s classes take place in the back parking lot and instructors have been creative, using the soft playground area, the back trailer and parking lot lines. On Sunday mornings and Monday and Wednesday evenings, guys can be seen running through the parking lot, performing cone drills, using battle ropes and having a great time while getting fit!

DSN’s senior fitness has continued to thrive on Instagram with weekday classes on @dealdsn account. There is no limit to the number of participants in these classes since they are virtual. One Brooklyn participant, Faye Sued who began the classes virtually during quarantine, sent a message, “Thank you so much. It took away the boredom and got me strong before my hip surgery.”

DSN has offered numerous, diversified virtual classes to stimulate and invigorate adults physically, as well as intellectually and emotionally. Some of the adult non-exercise classes have included a book club with Emily Labaton, cooking with various chefs, including Raquel Amar and Sarah Hanan, maintaining beauty during quarantine with beauty expert Sylvia Hamowy, summer styling with Instagram Influencer Fortune Dushey, baking with Susan Harari, arts and crafts such as plant holder making, and an outdoor short story in-person class with Sally Taylor Tawil.

One participant, Frieda Sabbagh, from Jenny Tawil’s Family Purity Refresher class on Zoom, spoke with the DSN Adult Program Director, Caleigh Silvera. She said “Jenny’s class was amazing! I was so appreciative to have had DSN print and drop in-depth materials on my doorstep prior to the class. Jenny was informative, warm and lovely. I learned so much and was so happy to have this Zoom in the evening after my children were asleep.”

Another participant from a cooking Zoom, Adele Dayan, stated, “DSN bounced back! They adjusted their sails as swiftly as possible and remain not only relevant but critical to our Jersey community life. I am grateful for them, as their cooking Zooms help dictate my grocery list and weeknight meals.”

DSN raised the bar and remains a dependable resource that has been—and continues to be—there for the community. They continue to listen to the needs of the community, and reflect this by providing structured, engaging programming for seniors, adults, youth and family for entertainment. As no one knows what the future holds or how it will look, one fact remains certain—DSN is here for you

I am a Brooklyn girl. I was born in New York to immigrants from Syria and spent my life as part of the Sephardic community. Excluding summers, all the places I resided in are within a four mile radius. As a child and teenager I was unaware of the implications that had on me. Of course I knew my food was different and that I had a wonderful, large, close family but for me it was all regular. Life was the way it was, and I didn’t realize how fortunate I was to belong to such a wonderful community. Today, I can say that I was never prouder or more appreciative to be a Sephardic Jew and part of this magnificent world that was created here in Brooklyn. Wherever I go, I take the lessons and values that I experienced all through my life along with me.
In my late teens and early twenties, my feelings were quite a bit different.

After much pressure from my older siblings and the Lafayette High School college counselor, my father relented and allowed me to attend Brooklyn College. In the early 1970’s education was not stressed. Boys were expected to join family businesses. A Sephardic girl attending college was quite unusual. Imagine an 18-year-old girl being driven to and picked up from college every day by her father. That was my reality my whole freshman year.

While attending Brooklyn College I removed my bangle bracelets to avoid being identified as Syrian, because I abhorred hearing the remarks of others who had stereotyped our people. “You can’t be Syrian, you’re smart” or “I didn’t know you were rich,” “You’ll never graduate,” and “You’ll be married tomorrow,” were among the comments I heard often, and truthfully resented. Thankfully, I was able to find a great group of friends and completed my degree.

As I slowly moved down life’s path, married, and had a family of my own, I slowly began to comprehend the enormity of what our community entails and what is available to us. Our schools and organizations became an integral part of my life. There was guidance for every situation that arose, an organization or a group with up-to-date knowledge in every field. Help, when needed, was and still is available for almost every issue imaginable. Community members giving their time and energy with dedication and love are the norm here. Helping one another is paramount in our world.

The last few months, during the corona pandemic, have been challenging for the world and unfortunately our community is not exempt. The foundations of our lifestyle crumbled like buildings in an earthquake. All of our core beliefs and normal ways of life became nonexistent. We were separated from our families, spent holidays alone, our yeshivahs and synagogues were closed. Many people became ill and the death toll was devastating. Our plans for weddings and parties were cancelled. The life that we once knew evaporated into thin air. As we followed the guidelines, and remained home, tension and fear of the unknown enveloped us. The economic impact of the pandemic is staggering. Then the rioting, looting and destruction of our city began. Reports of bricks and pipes being left in our neighborhoods were terrifying.

Just when I thought things couldn’t get any worse, social media became ablaze with horrifying news. A community member was missing. Everyone rallied by joining together to help. We checked our closed circuit videos, we searched the streets all night long, we prayed and prayed. Shomrim coordinated the effort with professionalism and I thank G-d our prayers were answered, and the individual was found and returned home safely. In the midst of despair overwhelming joy and hope for a brighter future triumphed.

I believe, that as a community working together and united, we can overcome anything and we will prevail. This too shall pass. I want to thank our forefathers for the vision that they had, and for their dedication to make their goals a reality. I thank our community leaders for following in our predecessors paths. I thank every organization, rabbi, yeshivah, teacher, volunteer and everyone who donated hard earned funds or time to any of the worthwhile causes which support us.

I have enormous respect for each and every community member and I thank everyone for the part they play in making us who we are today. We are all special, and our community is unique—a diamond in the world.

Today, I proudly wear my bangles. I am no longer intimidated by others and I am prepared to defend our way of life, and all that we collectively have been able to accomplish. I thank G-d every day for making me a part of this wonderful community.
I’m Syrian and I’m proud.

America’s response to the coronavirus pandemic has revealed truthfulness. So many rules and regulations, that we were told were impossible, were a matter-of-fact all along. In 2011, when activists demanded debt cancellation for student loans and medical debt, they were laughed at. Activists continued to push and have been repeatedly told their demands were unrealistic. Now, we see the rules we have lived under can be broken.

Rental evictions were avoidable, the homeless could’ve been sheltered in government owned buildings, utilities didn’t need to be turned off for people who were behind, paid sick leave could be made available to all workers, paying your mortgage late didn’t need to lead to foreclosure and creditors could have been much more flexible. President Donald Trump has already put a freeze on interest for federal student loans, while New York Governor Andrew Cuomo has paused all medical and student debt owed to New York State. Talks are being held that will involve the possibility of suspending collection even canceling student loans as a larger economic stimulus package.

If you have been financially affected as a result of COVID-19, contact each of your creditors and let them know. Be descriptive about how coronavirus has impacted your ability to make payments and inquire about the different options that are available for instant relief.
Unfortunately, we are finding that not all institutions are adapting to the new form of flexibility. The Consumer Complaint Database of the Consumer Financial Protection Bureau (CFPB) has its eyes wide open looking for problems in the financial marketplace.

As might be expected, the effects of the economic crisis created by the COVID-19 crisis are beginning to show up in consumer complaints to the agency. Since around the time the COVID-19 pandemic began, consumers have submitted more than 5,000 complaints about debt collection practices.
COVID-19 is highly stressful in many ways, with health concerns, apprehension about taking care of loved ones, lost jobs, reduced income, the unknown, and the stress from home. Harassment from debt collectors is the last thing Americans need to deal with. Yet, according to the reports, that’s just what is happening.
Yet, since the crisis began, the CFPB has chosen not to actively get involved, on both debt, collections and other areas of concern to consumers.
The need for action is urgent. A Forbes article warns that debt collectors could be readying to jump in and garnish the stimulus checks that we received. The Association of Credit and Collection Professionals is making a push to ensure they can keep on collecting throughout the crisis.

What Will Be After Forbearance & Payments That Were Put On Temporary Hold?

Forbearance is temporary postponement of mortgage payments granted by the lender or creditor in lieu of a foreclosure. Many creditors allowed you to hold off on paying bills right now.
At the end of the hold off period, all of those unpaid payments are due. And while you may have heard that these payments can simply be tacked on to the end of your loan, there’s no one-size-fits-all solution. Deferring payments may be possible, but it’s not that simple. There is still a lot of confusion about what exactly that help looks like and most importantly, what happens afterwards, when the payments are due in one lump sum?
I predict that structuring a payment plan will be even more difficult than the big crash of 2008. Restructuring loans will most likely require completing a confusing application proving proof that you were financially affected by the virus but you now have the means to make a newly restructured payment (if approved) which will likely result in a higher monthly payment. So, what can you do?

Competency & Trust

We have taken a proactive approach exploring every option available. We begin by requesting in writing forgiveness of payments that were put on hold and, in some cases, successful in full forgiveness of the entire debt! We know who to call and how to submit a proposal. Our staff will assist in finding the best solution for your situation.
Angels of Debt is a family owned and operated business, with over fifteen years of experience in servicing the Jewish communities throughout the United States. Having successfully helped well over 30,000 clients settle credit card debt, lines of credit, loans of all types, taxes, mortgages and any other debt conceivable both personal and business. We complete the job by removing negative items from the credit file. In addition, we help you build your credit score better than it was before. Angels of Debt understands financial crisis and how to solve them. We pride ourselves in being the pioneers and number one in the industry.

Before calling us, make a list of your monthly bills: rent/mortgage, car payment, utilities, student loans, medical bills, and anything else. Factor in how much you need for food, medicine, and other necessities.
We listen to each and every client with an open heart offering sincere and logical advice. Our motto is “It’s not just business, its personal.” For every one client that hires us we give free advice to ten! Like any other trade or industry, the more service rendered or products sold the more experience you gain. Don’t waste time or money hiring someone with very little experience. My father (may he rest in peace) always said “You don’t get what you don’t pay for.” For help with your financial burdens call Angels of Debt at 718 766-5193

This is an unprecedented time in history. Never before have we been told to stay in our homes, 24/7; and never before have we stock piled food. However, it’s hard not to buy in bulk when you don’t know when your next delivery will be.
So, now we’re at home, all day and all night, with more food than usual in our cabinets, our kids want snacks (and so do we) and everyone is stressed—this is the perfect storm for gaining weight.
Now is not a good time to start a diet, but you can try to maintain your weight. If you don’t gain weight during this pandemic, you’ll be so happy your clothes still fit when it’s over (and it has to end some time).
If you find that you’re always in the kitchen, thinking about your next meal, eating more than usual or stress eating you’re not alone. Here are some tips you can follow to stop overeating.

Cooking

One of the benefits of being home during the day is being able to take your time and cook your family healthy meals for breakfast, lunch and dinner. If you’re not sure what to prepare, visit one of dozens of kosher cooking websites, like kosher.com. Look for recipes that focus on protein, fiber, fruits and veggies—and drink plenty of water.

Drinking

If you and your family drink sugary drinks with your meals, this is a good time to switch to flavored seltzer. If your kids drink lots of fruit juice, look for nutrient dense, fruit juice with no added sugar and added vitamins. Milk is good for children, as well, and unsweetened green tea is an excellent choice for everyone. Of course, if you can get your kids to drink water, encourage them to do so.

Snacking

Chances are your children want more snacks than usual, because they’re home more than usual. This is another teachable moment. You can explain to them that cookies and chips contain lots of ingredients that are harmful for them—so you’re going to focus on healthy snacks from now on.
Then, the next time you order food, select healthy snacks. (If you don’t have junk food in your home you can’t eat it.) Stock up on yogurt, nuts, low fat cheese sticks, fresh vegetables and fresh fruit. If your children still want chips or cookies, that’s ok. Don’t stress your kids out because you don’t want to overeat. Of course, if you buy baked chips or bake your own cookies (which is a fun activity and you control the fat and sugar) that’s even better.

Remember, these are just tips. You don’t have to change everything at once. And you definitely shouldn’t feel bad if you don’t.

Laura Shammah