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

Judaism says “Happiness is not a happening. Happiness is a state of mind.” You can have everything in the world and be miserable or have relatively little and feel a sense of joy.

The question then arises “Who is rich? The one who appreciates what he has.” (Pirkei Avot 4:1).
How is happiness related to health? Researchers have been studying well-being, life satisfaction and happiness and its positive effect on health.

Research indicates that there is quantifiable evidence that optimism can add years to one’s life. A study conducted at the Mayo Clinic tracked 839 people over a period of 30 years. Those who scored high in pessimism on a standardized scale had a 19% greater chance of premature death than those who scored more optimistically. Optimists get fewer colds, have more effective immune systems, recover from major surgery sooner, with less trauma, and usually meet with stressful events with better resources.

Dr. Martin Seligman of the Center of Applied Cognitive Studies at the University of Pennsylvania said that one can identify optimists and pessimists by the way they perceive and interpret adversity and success.
He identifies these differences with three words:

1. Personalization
2. Permanence
3. Pervasiveness

When bad things happen, a pessimist thinks: It’s my fault (personalization); it’s never going to get better (permanence) and it’s going to effect every part of my life (pervasiveness). An optimist takes the same event and thinks: I will do better next time (personalization), the problem is temporary (permanence) and this too shall pass (pervasiveness).

Further research indicates that there is no correlation between an individual’s social status, income, gender or physical attractiveness and happiness. Having more things is not a guarantee for happiness. It is interesting to note that when one achieves more material comfort, the individual is seeking more. The act of striving for better and better never truly allows one to feel satisfied or content.
Our sages have taught us that the key to happiness is pure appreciation for all our blessings. Perkei Avot 4:1, says “Who is rich? The one who appreciates what he has.”

Through Torah and scientific research, we can deduce that happiness is directly associated with health and longevity. It is important for you to begin to consciously notice and appreciate what you have. Start by thanking G-d for life.
To begin appreciating life, think about things you are grateful for and notice them everyday. Set some time each day to contemplate these pleasures and feel gratitude. Become conscious of these feelings by writing them down. By doing this we can begin to see what we have and not what we don’t have. Take a moment each day to appreciate all those around you. Acknowledging each pleasure enforces how much you truly are blessed. Once this realization is embedded into your being, you can experience happiness and peace. This subsequently will result in peace of mind and well-being.

For the past two years, many states have proposed new legislation and programs which would allow businesses and individuals alike to take advantage of the booming industry known as industrial hemp. Cannabidiol, better known as CBD, is a plant-based component found in cannabis that is non-intoxicating and may have several medical or therapeutic benefits for anxiety, pain, nausea, muscle spasms and seizures. Due to its extremely low levels of THC, hemp is not used to produce psychoactive effects. Rather, it is generally used to produce fibers, oils and seeds. Hemp fibers have been used in manufacturing clothing, rope and construction materials, while hemp seeds and oil can be found in cooking oils, cosmetics and delicious snacks.

The production and sale of hemp and hemp-based CBD products is a multi-million dollar industry that is sweeping across the country and is showing no signs of slowing down. While the federal government has put into place certain restrictions surrounding the use of hemp-based products, each state has been given the authority to regulate the cultivation and production of hemp and hemp-based products within their own borders. For example, New Jersey allows hemp-derived CBD to be combined with food and beverages. On the other hand, it is illegal in New York to infuse food or drink with hemp-derived CBD.
Following is important information for anyone interested in participating in this economic opportunity.

In 2014, the Federal Government passed the 2014 Farm Bill distinguishing hemp from cannabis. The 2014 Farm Bill distinguished hemp as having no more than a concentration of 0.3% Tetrahydrocannibinol (THC) by dry weight. The law stated that hemp could only be cultivated by state departments for research purposes.

Thanks to a recent law passed in 2018, known as the 2018 Farm Bill, hemp, hemp derivatives, extract, and hemp-derived CBD were removed from the controlled substances list of the Controlled Substances Act. As a result, hemp grown within either a state or federal program is now an agricultural commodity rather than a research project.
The US Food and Drug Administration regulates hemp products and is still working to develop appropriate production standards, testing and labeling. The US Department of Agriculture (USDA) has adopted federal regulations and established a national licensing system. Every state has the opportunity to submit its own USDA-approved plan to implement its own licensing and regulatory system.

New Jersey is one of only seventeen states with an approved plan for hemp cultivation and processing. It is now legal within the borders of New Jersey to grow, sell and purchase products infused with hemp-derived CBD oil, as long as the producers of the industrial hemp are licensed and conform with state and federal laws. Retail sales of hemp-based products, including CBD, may be conducted within NJ when the products and hemp used in those products were processed and grown legally in another state with similar requirements for processing hemp products. Sales of hemp products transported across state lines and exported to foreign countries must comply with federal law and the laws of the respective foreign countries.

The law in New Jersey allows hemp-based CBD oil to be added to food, drink and cosmetic products. When selling hemp-based CBD, New Jersey requires labels that show the amount of oils or extract, the percentage of THC and/or CBD extract contained in the hemp product, and all labels must distinguish between hemp extract, CBD, or hemp oil. In addition, the FDA has warned many companies about the language used in advertising and labeling certain CBD products.
In order to grow hemp in the State of New Jersey, you must first apply for a license. There are three types of licenses which require separate applications and annual fees: grower, handler, and processor.

A Grower License enables one to, you guessed it, obtain and grow/cultivate, process, or handle hemp seeds. The application process requires a small initial fee and that the applicant provide detailed information, including the exact GPS location where the hemp will be grown, the applicant’s experience in farming, all individuals who will primarily be responsible for growing or handling the hemp, and the reason for seeking a license.

A Handler License allows you to store a hemp plant on premises owned, operated, or controlled by a hemp producer. For example, handlers include laboratories, traders, seed cleaners, and brokers. This does not include possession or storage of finished hemp products.

Processors obtain raw hemp materials and turn them into finished products. There are two types of Processor Licenses. The first license allows you to process hemp materials for grains and fibers. The second type of Processor License allows you to process hemp materials for floral/hemp oil/CBD extracts. *Licensed growers do not require a separate Processor License.

It is important to note that licensees and their business participants are subject to annual background checks, inspections by the NJDA, and must submit planting reports for pre-planting, harvesting, disposal, and annual production.

New York

New York laws regarding hemp regulation have always been murky. Fortunately, a new law was passed in March 2020 splitting hemp licenses into “industrial hemp” and “hemp extract.” Industrial hemp is a product grown for industrial fiber or grain purposes. Hemp extract is a product made or derived from industrial hemp intended for human or animal use or consumption. There will be three types of hemp extract licenses which must be obtained through the New York Department of Agriculture and Markets: CBD Grower, CBD Manufacturer (e.g. Manufacturing and selling CBD products other than oils), and CBD Extractor (e.g. extracting and manufacturing CBD oil).

The new law in New York looks to provide the framework for:

• Renewable licensing required for those looking to grow, manufacture or process hemp and hemp extract products.
• Permit requirements for wholesalers, retailers and manufacturers selling cannabis products derived from hemp extracts.
• Packaging and labeling requirements.
• Laboratory testing oversight by approved labs.

The USDA allows states to establish hemp pilot programs operating under the 2014 Farm Bill. The 2014 Farm Bill allowing states to establish individual licensing programs will expire on October 31, 2020. Because New York is one of the very few states that has not submitted a state-wide plan to the USDA to regulate hemp production, if you want to start growing hemp, you will need to apply to the state’s Industrial Hemp Agricultural Research Pilot Program.
The laws surrounding growing, manufacturing and processing of hemp and hemp-derived CBD are evolving every day. Whether you want to grow industrial hemp, are curious about CBD processing and retail, or want to learn more about the rapidly expanding non-THC cannabinoid industry, The Law Office of Michael Botton, LLC is here to offer insight, guidance and legal services.

Applying for and obtaining a license in New Jersey and New York to grow, handle, or process hemp and hemp-based products can be complicated.
Many businesses apply, yet few are ultimately accepted. If you or someone else would like to get involved in the industrial hemp industry, call the attorney at The Law Office of Michael Botton, LLC for a consultation, (732) 894-3686 or email michaelbottonesq@gmail.com.

If there’s anything that these unprecedented times have taught us, it’s that with a little creativity, we can still be together—without actually being together. Yom Ha’atzmaut is the perfect example of this concept. Most community members associate Israel’s Independence Day with an exciting day of school filled with blue and white donuts, a special classroom curriculum, informative assemblies and lively dancing to celebrate our homeland.

This year, with most of our traditional customs off-limits, things had to be a little different. While we needed to find a way to recognize the 72nd year of Israel’s official statehood safely and at home, the celebration needed to be big and impactful. After all, Israel deserves it.

In came the SCA, the organization that has been turning an otherwise bleak several months into an opportunity to learn, connect and grow—at any time of day—from the comfort of home. To commemorate Yom Ha’atzmaut, the SCA planned an exciting series of programs in conjunction with Tanach (bible) study, to honor Israel.

The programming was dedicated by the family of Mr Stanley Chera A”H to his memory. Mr. Chera was one of the founders of the SCA. He was a visionary leader whose dedication to our community spurred the formation of this amazing organization, and many other organizations in our community—and the world-at-large.
From Sunday, April 26th through Wednesday, April 29th, the SCA hosted hundreds of hours of content dedicated to celebrating our homeland. Streamed from SCATorah.org and over Zoom video, over 4,000 people were able to celebrate this holy and joyous occasion.

First up was the Yom Ha’atzmaut Day of Learning on Sunday, April 26th. From 8 am to 8:30 pm, over 60 classes were live-streamed. The program offered dozens of insights into the miracle of Israeli independence, each from a different perspective, from rabbinical and Torah insights, to the thoughts of soldiers and community members.

Paul Kopyt, who recently made the dream of aliyah a reality, led a session featuring Cynthia Benun, a young community member who shared her experience serving on the front lines with the IDF. A session led by Rabbi Joseph Beyda helped us picture Israel on her 100th birthday; while Mrs. Emily Labaton took us back in time to study some of the earliest voices of Zionism. Major Yaakov Selavan led an exciting, heart-racing talk that felt like it was straight out of an episode of Fauda. He took us into a bunker near the border of Syria and told the story of how an IDF unit was miraculously saved from certain death.
The SCA also offered an array of programming for children. Mrs. Jacqueline Terzi led an Israel Scavenger Hunt and Mrs. Liat Dahan taught about the greatness of our tiny homeland. Rabbi Nathan Zaboulani took an in-depth look at the city of Hebron and ended his segment with a captivating video featuring the Abraham family’s clandestine purchase of a major building in the middle of Arab-held Hebron, more than a decade ago. Dozens of other sessions kept thousands glued to their screens all day, all in celebration of Israel.

On April 28th, the SCA partnered with AIPAC, The Sephardic Community Center, DSN, Hillel, Barkai, and Magen David Yeshivahs for a special tribute to our fallen soldiers. There was a musical performance, and an important message about our community’s connection to Israel. It was a beautiful way to recognize the important role we play as Zionists in America on the eve of Israel’s 72nd birthday.

Wednesday marked Yom Ha’atzmaut here in America, which would typically be the day our schools would transform into mini-Israels, with Hebrew music pouring out of loudspeakers, and Israeli flags and streamers filling the hallways, as we felt an outpouring of pride for our homeland.

The moment the SCA kicked off the celebration, it was clear that all of these traditions were still on deck, only this time they were happening at home. As families tuned in to the different programs on Zoom, many featured hand-drawn Israeli flags in the background, homemade Kotel walls made out of construction paper, and even a few virtual background changes that transported attendees to their favorite spots in Jerusalem.

It was the perfect way to set the tone for an uplifting day, which featured special addresses from rabbis and leaders, classes, music, and a movie to mark the occasion. Over a dozen different sessions streamed throughout the day, including a live Q&A with Joey and Kady Harari, which allowed viewers to ask the couple their most pressing questions about life after aliyah.
An interview with Mr. Jeffrey Beyda revealed inspiring details about his decision to enlist in the IDF almost 30 years ago. The re-telling of his experience as an IDF veteran was an impactful follow-up to the session with the Friends of the IDF.

Addresses by Rabbi Shimon Alouf, Rabbi Lord Jonathan Sacks from London, and Rabbi Shabtai Sabato from Jerusalem provided further insights into the day, while Dr. Joe Friedman’s virtual tour of Israel made us feel like we were there.
The day culminated with a screening of the documentary Beneath the Helmet, which helped us better understand what it’s like to risk it all while defending Israel with the IDF.

In many ways it was one of the most impactful Yom Ha’atzmaut celebrations I’ve ever experienced. The SCA rose to the occasion and flooded us with loads of inspiration. The overwhelming love and excitement was felt by all who participated.
Thank you to the rabbis, teachers, speakers, IDF soldiers and veterans who gave of their time to enlighten us. And to all of the SCA affiliate organizations for helping us make this year so special and unique. While this Yom Ha’atzmaut may not have been the traditional one that we were used to, it certainly was a memorable one that we’ll tell our children and grandchildren about years from now—hopefully, in Jerusalem!

The Democratic Primary Election is June 23rd. The Covid-19 pandemic has certainly caused us to rethink many things we considered routine. Politicians have had to adopt new procedures and protocols to help preserve our rights and privileges. Primary elections this year in New York City will be conducted in a way previously reserved only for those who were out of town. For the first time in New York State history, every registered Democrat will be able to vote by mail (by first requesting an absentee ballot) in the June 23 Democratic Primary.

How will this be achieved?

Last month, Governor Andrew Cuomo signed Executive Order 202.23, which states that every registered voter will be sent an absentee ballot application. The Board of Elections will be mailing absentee ballot applications to every household in which there is at least one registered voter. The application must be completed and returned to receive a mail-in ballot. Voters can mark the reason for their request as “temporary illness,” which now includes the risk of contracting coronavirus. If you are away from home, you can request that an absentee ballot be sent to your current location. This is especially beneficial to anyone who will be at a summer location.

In case you do not receive an application, you may request one be sent to you by June 16. There are several ways to request an absentee ballot:

• Online – nycabsentee.com
• Mail an application to the Board of Elections
• Call 1-866-Vote-NYC
• Scan and email an application to absenteejune2020@boe.nyc
• Fax an application to 212-487-5349

As of the writing of this article, a federal judge ruled that the New York Presidential primary is back on the schedule for June 23. This ruling might be appealed.
Regardless, almost every community in NYC will have a local or state primary on June 23, so please request your absentee ballot now.

Voting during this pandemic could not be easier, or more important. By voting, we participate in the democratic process. We choose those who represent us, and our ideals. If not, others will be making those decisions for us. This is particularly important in local races. We must show our elected officials that our community has a voice.