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A Current View on Unemployment

A Current View on Unemployment
nfortunately, we are all too
well aware of the dire state
of the economy which,
consequently, has taken a firm toll on the
employment rate. The number of unemployed Americans over the past year has
risen by about 4.1 million, putting the latest national unemployment figure at 7.6
percent . In New York the rate is roughly
at 7.4 percent. Sadly, the situation is also
taking a grim toll on people’s level of confidence in the job market and their future
Last month alone, a stunning
731,000 Americans stopped looking for
work out of frustration. Although the
Obama administration is calling for aggressive action to curb job losses and
bolster the economy through both an
economic stimulus package (a mix of tax
cuts and new spending) and financial institution rescues, we are still
faced with the current situation, which is predicted to
get worse before better.
There is no question that this financial
crisis and its effects
can be felt even
own local
communities. Many
or major cuts in work
hours. Individuals and
families may find themselves struggling
to make ends meet and anxious about
their immediate and long term welfare.
The pending question now is how we can
best cope as individuals, families and as a
community, at large to best overcome this
challenging hurdle.
However, perhaps adopting a different and more positive view on unemployment, might be a good start. Not always
has unemployment yielded bad results.
History and theorists have illustrated
that sometimes unemployment acts as a
‘cleansing’ of unproductive forces and
trends in the labor/market economy. Furthermore, employees may use this period
to update, refine or learn new skills in accordance with the demands of the market.
Continued on page 2
or four decades the UJO and its
affiliate organizations have engaged in active hands on work in
services that deal with some the largest
The UJO is proud to report that in addition to addressing the day to day needs
of the community, organizing meetings and overseeing broad long term
goals, our Board of Directors and staff
are also ever ready to jump in and act
immediately when crisis occurs. With
foreclosures now at an all time high,
we can assuredly say that this situation
has risen to crisis level.
Responding in a moment notice to a
community exacerbated by the strain
of foreclosure, the UJO demonstrated
quick emergency action. On November 17th at a community based level,
the UJO quickly organized an urgent
meeting at Aishel Avram Nursing
Home with national mortgage expert,
Mr. Joel Gross. Through an effective
Power Point presentation, Mr. Gross
not only explained the roots of the
housing crisis but also advised the
community how to act in response.
Furthermore, he clearly advised that
those in threatened by or already undergoing of foreclosure should take
extreme precaution in avoiding foreclosure scams.
Continued on page 11
Mailing Address:
Christine Lawson
issues facing the community right down
Continued on page 3
P.O. Box 4062 Forest Hills, NY 11375
Tel: (718) 643-9700
Email: [email protected]
steoporosis, meaning ‘porous bone’, is
a bone thinning disease which causes
bones to become brittle and weak and
which leads to fragility fractures. Osteoporosis is a major public health threat affecting over 44
million Americans, eighty percent of which are women.
It has been termed the ‘silent thief’ because it progresses
without symptoms or pain until bones start to weaken
and break. When this occurs, symptoms may include
back pain, which may be severe if the vertebra is fractured or collapsed and loss of height over time with an
accompanying stooped posture. In addition to the vertebra, other common fracture sites
include the hip and wrist.
Osteoporosis is a complex disease of which not all the causes are known. What is
clear is that the strength of your bones depends on their size and density, and density depends, in part, on the amount of calcium, phosphorous and other minerals bones contain.
When bones contain less than normal amounts of these minerals, they become weaker
and eventually lose their internal supporting structure.
So, what can be done to maintain healthy bone mass?
There are three factors that we can influence to help bones remain healthy. They are:
* Exercising regularly
* Maintaining adequate amounts of calcium in the diet
* Receiving adequate amounts of vitamin D, which is essential for absorbing calcium
However, there are also many factors that increase the likelihood of developing osteoporosis which include: gender, age, race, family history, diseases, lifestyle and eating
habits as well as use of medications such as corticosteroids or use of hormone therapy
or exposure to estrogen.
How doctors detect osteoporosis:
Doctors can detect osteoporosis or the early signs of it using a variety of devices
used to measure bone density. The best screening tool available today is a dual energy xray absorptiometry (DEXA). This procedure is quick, simple and gives accurate results.
It measures the density of bones in your spine, hip and wrist, which are most likely to
be affected by osteoporosis. Other tests used to measure bone density are ultrasound and
quantitative computerized tomography (CT) scanning.
If you are a woman, the National Osteoporosis Foundation recommends that you
have a bone density test if you aren’t taking estrogen and:
*You are older than 65
* You are post menopausal and have at least one risk factor, including having a
fractured bone
* You have vertebral abnormality
* You use medications such as prednisone that can cause osteoporosis
* You have type 1 diabetes, liver, kidney or thyroid disease or a family history of
Treatments for Osteoporosis:
Generally, the most widely used treatments for osteoporosis are estrogen hormonetherapy, lifestyle changes and prescription drugs such as bisphosphonates, which can
help slow down bone loss and which may even increase bone density over time. (The
use of estrogen therapy is, however, controversial and should be determined cautiously
between a patient and healthcare provider.)
Continued on page 4
A Current View on
Continued from page 1
Employers now have the advantage
of hiring top skill, increasing the potential
of their businesses as well as finding creative ways to boost business, such as finding unsatisfied needs, producing newly
and differently and perhaps [offering new
consumer incentives].
Practical tactics to cope with the
stress of recession and unemployment
Although a great deal of the ‘salvaging’ money will come through the stimulus package, we as individual consumers
can do our part in keeping the economy
healthy. As debt begins to accumulate,
many households are cutting back on
spending in an effort to save. According to
expert analysts, consumers should rather
spend now and save later. Why?
We must remember that our financial institutions are currently weakened.
In order to keep money in the hands of
consumers and stimulating demand, we
must keep money flowing through the
market at large. When our lenders are
strong, demand for goods will increase
and employees will stay employed.
Examples of good spending:
If consumers invested in programmable thermostats, hired contractors to
fix leaks and replace lightbulbs with more
efficient ones, the immediate spending
could pay itself off in just a year or two.
Families with young children could
become members at Costco saving hundreds in diaper purchases.
Drivers could inflate their tires, change
their air and fuel filters and start getting
better mileage.
Those who do a lot of printing could
purchase a printer that uses only a cent or
two of ink per page.
These initial investments usually pay
off within three months and are perfectly
suited for the moment in the sense that our
economy needs this jumpstart. It will keep
people employed and create new jobs.
Continued on page 3
Filing for
he unemployment insurance program provides
benefits to individuals
who have sufficient employment to establish a claim, have lost
employment through no fault of their
own, are ready, willing and able to work
and are actively seeking work. If you
have worked in New York State within
the last eighteen months, you have the
right to file a claim for benefits.
Note: Due to the high unemployment rate in New York State, an additional 13 weeks of emergency benefits
will be available on February 22, 2009,
for a total of 33 weeks of emergency
What is Sufficient Employment?
For employment to be considered sufficient an employee must have
worked and been paid wages for employment in at least two calendar quarters in a base period.
A calendar quarter is the three
month period beginning with January,
April, July, and October.
In addition, you must have been paid
at least $1600 in wages in one of the calendar quarters in your base period.
A Current View on
from page 1
Continued from page 2
to the most specific interests affecting
Another tactic to cope with the crisis
is to think practically. Employees should
investigate the market and find out which
industries are still afloat as well as those
that will be prioritized through the stimulus plan. For instance, according to the
plan, many jobs salvaged will probably be
concentrated in the manufacturing industry. In addition, only healthcare and education defied the cutting trend adding, in
December, 45,000 jobs combined, according to the Bureau of Labor and Statistics.
the welfare of even the fewest. The dai-
Faced with a situation that, perhaps,
has not seen its hardest day, we, as individuals and a community need to work
positively and constructively to overcome
this financial and unemployment crisis.
Even the Great Depression of the 1930s
was eventually overcome and with great
results such as the WPA (Works Progress
Administration) which not only put many
back into the workforce but also created
much of the infrastructure that our cities
see today. The new administration is as
determined as we are individually to see
a brighter economic future. The key is to
maximize our strengths and work collectively. Our age has the tools and intellect
to do so. With unerring application and
practical and creative thought, these days
of crisis unemployment will see an end.
ly efforts involved in producing fruitful outcomes are varied and many. We
would like to take this opportunity to
update and share with our communities
some of the processes and engagements
behind our efforts and achievements. In
doing so, we also take this opportunity
to acknowledge our political supporters
and friends with whom our successes
could not have been realized.
The following is brief synopsis of
some of our most current work and
• We are extremely apprecia-
tive to announce that Brooklyn Borough President, Marty Markowitz,
has funded 24 hour surveillance cameras for public housing in many of our
which will greatly enhance the safety
and security of so many tenants.
Continued on page 4
Contined on page 4
from page 3
thanks also
to Assemblyman Joseph Lentol
for intervening with the
state which
resulted in
the Department
Transportation’s (DOT) removal of
electric boxes, specifically on the overpass on Bedford Avenue.
• The revitalization of the
Broadway Triangle spearheaded by the
UJO and other community groups, and
led by Steve Levin, Chief of Staff to
Assemblyman Vito Lopez, is moving
forward. The scoping session last November was a great success and the application for the rezoning of the Broadway Triangle is proceeding accordingly.
Once the property is approved, the first
100 units at 100 Throop Avenue can
start ‘putting the shovels to the ground’.
Funding is secured. This will be a great
asset to all residents living in Community Board 1, as they will have the first
chance in obtaining an apartment, in
accordance with and fulfilling the Department of Housing and Preservation’s (HPD) fifty percent community
preference. At a time when rental units
are particularly scarce, this is a great opportunity for the community.
• A victory for UJO’s two year
advocacy with the Department of Education (DOE) for the allowing of Third
Party Vendors in non-public schools, specifically Yeshivas. Third Party Vendors
will be instrumental in the facilitation
of Title 1 (Special Education) services.
Additionally, the DOE, under the leadership of Chancellor Klein, agreed upon
the addition of a mentoring program for
at risk students, a new facet of the Title 1
services that the UJO initially
Continued on page 8
Continued from page 2
The effects of osteoporosis may be preventable if bone loss is detected early enough.
A healthcare provider may recommend appropriate and regular testing to predict your
risk for future fractures, if one has
already occurred.
He or she may prescribe a diet rich in
calcium and vitamin D and a regular
program of cardio
and weight bearing
exercises as well.
therapies also include physical therapy programs that
have been shown to
significantly reduce back pain, improve posture and reduce the risk of falls.
Filing for Unemployment Benefits
Continued from page 3
in addition, the total wages paid to you
in your base period must be one and onehalf times your high quarter wages. The
amount of high quarter earnings used to
determine if you meet this requirement
will not be greater than $8,910. Earnings
in the other base period quarters must total at least one-half of $8,910, or $4,455.
If one meets the requirements of this Basic Base Period, this Base will be used to
determine the claim. If not, an Alternate
Base Period may be established to determine a claim.
How to file a claim and what information is necessary:
To file a claim, you must either
complete an online application or call
the Telephone Claims Center at 1-888209-8124 or 1-877-358-5306 for out of
state residents.
You should file your claim during
your first week of total or partial unemployment - to delay may cost you benefits. If you have worked or will work
four or more days or earn more than
$405 gross pay between Monday and
Sunday of the current week, you must
wait until next Monday to file, if you are
still unemployed.
To apply, you will need the following
• Valid New York State driver’s license or Non-Driver Photo Identification Card number (if you have either
• Your complete mailing address
and zip code
• Telephone number where you can
be contacted between 8 am and 5 pm
Monday through Friday
• Employer Registration number or
Federal Employer Identification Number (FEIN) of your most recent employer (FEIN may be found on your W-2
forms), if you have it
• Complete name, address, zip code
and phone number of your most recent
• Alien Registration card number (if
you are not a U.S. Citizen)
• If you are unable to print, have a
Continued on page 5
Filing for
Unemployment Benefits
Continued From Page 4
pen and paper available to write down
important information
• If you are choosing to have direct
deposit of your weekly benefits, you
must have a check handy in order to enter your bank routing and checking account numbers
If you have not worked in New York
State in the last 18 months, but worked
in one or more states other than NYS,
you may be able to establish a claim
with one of the states where you worked.
Circumstances for Filing Claims
You cannot receive unemployment benefits if you have less than the
required work and wages to establish a
• You were discharged or fired because you were unable to meet employer
performance or production standards,
or you were unable to meet employer’s
qualifications for the job
You may be denied benefits if:
• You were fired because your employer alleged that you violated a company policy, rule or procedure, such as
absenteeism or insubordination;
• Because of a disagreement or dispute with a boss or co-worker; or you
were fired for any other reason
• You quit your job
• You are unemployed because of
a work stoppage and participation in a
strike in the facility in which you worked
Your original benefit rate is calculated on your actual high calendar quarter
Eligibility for benefits can only be
determined once a claim has been filed
and all of the required information has
been obtained.
You may be eligible for benefits if:
• You lost your job due to lack of
• The temporary or seasonal employment ended;
• Your job was eliminated;
• There was an involuntary reduction in the workforce;
• The company downsized or shutdown;
• The company restructured or reorganized
• There was a lack of company operating funds/orders;
• For any other business operating
reason which resulted in your involuntary unemployment
wages. Your weekly benefit rate is one
twenty-sixth (1/26) of the high quarter
wages paid to you in your base period.
The current maximum weekly benefit
rate is $405.
Part Time Employment
If you work less than four days in a
week and earn $405 or less, you may receive partial benefits. Each day or part of
a day of work will result in your weekly
benefit rate being reduced by one-quarter
What is the maximum amount of benefits you can receive?
Although a claim lasts one year,
Continued on page 8
Free foreclosure prevention
services are now just a phone call away!
ew Yorkers facing foreclosure
have a new place to turn to
for free foreclosure prevention help: the Center for New York City
Neighborhoods (CNYCN). To reach
CNYCN, dial 311 and ask for the Center
for New York City Neighborhoods, or
call the direct line at (646) 786-0888.
Free help is also available through the
web at (Click on the
resources tab for the short intake form.)
CNYCN - was created to coordinate
and expand services to New York City
residents at risk of losing their homes to
foreclosure. CNYCN partners with 30
nonprofit, community-based organizations to provide free housing counseling
and legal assistance to low and moderate
income people living in New York City.
Call center specialists will ask callers
about their financial situation and connect them to the appropriate free housing counseling or legal services in their
The CNYCN call center is an important
resource for New Yorkers at risk of losing their homes. Every day, homeowners facing foreclosure are inundated
with ads from foreclosure rescue scam
artists illegally promising to save their
homes for a fee. In many cases, once
desperate homeowners pay in cash or
money orders, they never hear from the
broker again. Other times homeowners are railroaded into refinancing or
loan modifications that are just as bad as
the ones that led them to be at risk of
foreclosure in the first place. By calling
the Center for New York City Neighborhoods, New Yorkers are assured
that they will receive free help from a
reputable, nonprofit, community-based
organization experienced at analyzing a
homeowner’s options and helping them
realize the best outcome.
Avoid mortgage scams! Anyone who
seeks assistance with a troubled mortgage should call the Center for New
York City Neighborhoods at 311 or
(646) 786-0888, or visit us on the web at, for free help.
Senior Assistance
major part of the social services that the UJO is proud to
offer is assistance for senior
citizens. With an ever increasing life
expectancy, our office and caseworkers assist hundreds of
seniors each week. Although we are locally
based and operated, it is
quite common that we
receive walk-in referral clients from all the
tri-state area. In various
cases, we have serviced
seniors from as far away
as Baltimore, MD.
A typical senior who
receives our services
will receive a generous
one-stop shop of assistance. Seniors are serviced in one of
two ways: either as a walk-in or as a
homebound client. In either case, a
full and detailed needs assessment
will be taken by a senior caseworker.
Following the assessment the caseworker will assist, provide and refer
a client with all his/her needs as determined. The following
are the many types of
senior assistance offered
through our agency.
Assistance in Applying
• Medicaid, Recertification and assistance with
Spousal Refusals
• Medicare
• Medicare Part D and
• MSP Forms, a Medicare Savings program
which if eligible will
save a client $96.40 in their Social
Security check each month
• SSI and SSD benefits
• Access-A-Ride
• Lifeline discount phone service
• SCRIE, assistance in rent for seniors
• PANIC, a Medic alert button for
the homebound
• NYSARC Pool Trust, a trust for seniors that are over income for Medicaid and need homecare yet cannot
afford to give the city back the access money.
• METROPAIR, a service of Met
Council which provides minor home
repairs for seniors
Another large portion of our work is
in the allotment of Holocaust Survivor
Funds for needy and qualified seniors.
Survivor funds are available largely
for medical issues and associated
needs which cover but are not limited
to: transportation for medical appointments or therapy, dentures, hearing
aides, appliances, food and services
not covered by Medicaid, Medicare or
other insurance.
Ghetto Work Compensation
In addition to Holocaust Funds, the
UJO facilitates the Ghetto Work Compensation. This is a one time payment
of 2000 EU. Application are still being accepted. Qualification requires
that a person was in a Ghetto for any
length of time during the war performing voluntary work.
Homecare Services:
UJO arranges the following homecare
services for seniors:
• Visits from UJO case handlers for
• Filing mail and providing other
associated assistance
• Out of hospital needs and medical
• Short term home care such as
chores and other personal services
for seniors homebound after surgery or other related times of need.
For additional information regarding Senior Services please contact the
UJO at 718-643-9700. Ask to speak
with any caseworker dealing with senior issues.
Women’s Workforce Development Program
n an ongoing effort to offer
our communities educational
classes and future opportunities in the workforce, the
UJO has expanded its curriculum for
women in the Workforce Development Program. The outlook of the
workforce today is not only increasingly competitive, but also, unfortunately, limited in the current number
of positions available.
Today many households are finding it inevitable that both spouses must
contribute financially to maintain a
normal and healthy standard of living.
One working spouse alone may
not yield enough resources to offer the
family what it needs. Yet, this demand
for additional income may be the beginning for many newly acquired
skills and future careers.
people cherish the visual documentation and memories of such meaningful occasions. This is also a skill that
is in high demand within the business
world, ie. advertising and documentation of business events. The advantage
of photography is that you may work
from home and/or choose work events
best suited to your schedule.
In this class students will learn:
• Digital camera functions
• Lighting
• How to use a tri-pod
• Editing pictures on computers using Adobe Lightroom and Photoshop
• How to make a professional portfolio, print and save on the computer
The instructor for this class is a pro-
Furthermore, many opportunities and possibilities for women in the
workforce today offer flexibility and
variety so that the role of mother and
homemaker need not be negatively affected.
In accordance to the needs and
acknowledged interests of the women in our communities, the UJO has
embarked upon implementing several new and engaging career minded
classes. The following is a description
of current ongoing and future classes
to be offered in the program. All classes require registration and a deposit.
Most classes offer certificates of completion. If interested in any class, or
for additional information please call
the UJO at 718-643-9700 and ask for
Kjirsten Alexander at ext. 241.
Digital Photography
Digital photography is a highly
useful and sought
after skill these
days. The demand
for photography is high in our communities due to the great number of
social and familial functions such as
weddings, bar mitzvahs etc. in which
fessional photographer from the (JCC)
Jewish Community Council, and may
be a good referral for future work.
The class is a five week course
which meets twice a week. The hours
are from 10-1pm and totals 30hrs. The
cost is $300.
Computer Graphics
This is another useful,
skill that can be
done from the
home. Computer graphics is also a specialized skill much in demand to
Continued from Page 7
from page 4
and ensure appropriate attendance of
students in classes.
Continued from page 5
and specifically advocated for.
during that time you can only receive 26 times your full weekly rate (or
the same amount of money for weeks of
partial unemployment).
• The UJO has been working with David Greenfeld, VP of the
Sephardic Federation, in appealing to
Governor Patterson for the restoration
and funding of the Comprehensive Attendance Program (CAP). This program is a security measure to monitor
Does receiving Social Security affect benefits?
Women’s Workforce
day with the vast amount of printed and
computerized material in circulation.
This is a good choice for those interested
in starting their own business.
In this course students will learn:
• Basics in graphic design
• Adobe Photoshop, In Design and Illustrator
The current cost of a graphic computer course anywhere is roughly $1500.
The UJO is happy to be able to offer this
course for $750. (the deposit to register
is $400.). The course is 90 hours and
will begin in May and run through June,
meeting three times per week during
the middle of the day. Evening graphics
classes may also soon be available for
Medical Billing
Another class
of specific and
specialized skill
is medical billing. Although this
class has not yet
been scheduled,
the UJO is in the
process of gathering enough students to implement it.
Here again is yet another opportunity to
embark on a job that can be done from
home or office. The medical industry
is one of the least affected industries
in today’s recession and is in constant
need of medical billing professionals.
For further information regarding this
upcoming class please call the contact
numbers provided in this article.
Filing for
Unemployment Benefits
Computer Basics
For those who are not yet familiar
or sufficiently comfortable with computers, the UJO offers Computer Basics
as a regular and ongoing course. We believe that everyone today should have
access and familiarity with this basic
and important skill.
Students will learn:
•How to turn on a computer
•Mouse and keyboard basics
•Microsoft Word
•Microsoft Excel
•Resume workshop
•How to burn information onto a CD
This is a 52 hr. course lasting 61/2
weeks. It meets twice a week from 102pm.
•ESL and Quickbooks classes will
also resume after Passover.
•A new course to obtain a license to
run an official Family Day Care Center
is also being considered. Please call to
help us gauge interest level.
•The possibility of Sunday classes is
also being considered.
The Workforce Development Program is always open to ideas for new
classes from our students and the community at large.
There is no reduction of unemployment benefits because you collect Social
Security. You must be available for and
looking for work with no restrictions
when you receive Social Security, just
as all other claimants.
May a non US citizen still file a claim?
If you are not a U.S. citizen, you may
receive unemployment insurance if:
• You were working legally when
you lost your job
• You are legally allowed to take a
new job
• You meet the other requirements
for UI
Benefits and starting a business
Notify the Telephone Claims Center
before taking any steps to start a business.
You must report all of the work
you perform, whether it is for yourself,
a friend, a relative or an employer. Any
activity which brings in or may bring in
income at any time must be reported.
If you are involved in free-lance
work, self-employment, starting a business or doing «favors» for another business, you should call the Telephone
Claims Center and give all the details
before claiming weekly benefits.
Helping a friend or relative
You may be considered employed
on any day or any part of a day when
performing even minor duties or «favors» for a friend’s or relative’s business, whether you get paid or not. Call
the Telephone Claims Center and give
all the details before claiming benefits.
Honest Business Dealings
ur Sages of blessed
memory consider honest
business dealings as one
of the fundamental rules
a man must follow. The great weight
our Sages of blessed memory assign to
this matter is especially important now,
when the financial situation all over the
world, and especially among our Jewish
brethren, is dire.
would discourage
others from violating the law.
It is all too well known that people
who until recently were wealthy and
gave a great deal to charity are now
struggling to maintain their households,
which are often blessed with many
children. A great many average wageearners, as well as many earning large
incomes, have lost some or all of their
income and are unable to cover the expenses of feeding their children. This
situation may, unfortunately, drive some
people to try and make money through
dubious means, even more so than in
better times.
Current: What caused you to share
your story with the public?
It is, however, important to remember that following the law is both a social
duty and a commandment of the Torah.
Our Sages of blessed memory tell us that
one must adhere to the secular law of the
land. We must also consider what consequences may, God forbid, ensue if one
conducts business in an unlawful manner. We must be especially wary now as
we approach the tax-filing season. We
must make certain that we report all our
earnings appropriately, claiming only allowable deductions.
I am moved to write about this
important subject because of Rabbi
Moshe Eliezer Zigelman, who is now
in trouble with the law. He states that
he is very sorry that he was not careful
to obey various tax laws. Rabbi Moshe
Eliezer asked me to alert the community
not to get involved in any action that is
ultimately harmful to everyone and may
also have dire consequences to the person committing them, to his family and
all the people around him.
Although it is very difficult for a person, especially a head of a household, to
talk about his problems, Rabbi Moshe
Eliezer agreed to sit down for an interview with “Current” and share some
of his experiences in the hope that this
Read on and
draw your conclusions:
David Niederman
Rabbi Moshe Eliezer: As you
know, my case is a serious one because
I helped people commit tax evasion. As
a result I became more knowledgeable
of the law and have come to realize that
I did the wrong thing. I think it is extremely important to caution people that
they must discuss all business matters
with their accountants in order to make
sure that all laws are followed!
Even when dealing with charitable
activities, we must not ignore the laws
and all the regulations. Helping the poor
or supporting Torah institutions is not an
excuse for disobeying the laws that our
Sages of blessed memory instructed us
to follow.
Current: Is it possible to get implicated in such things unknowingly?
Rabbi Moshe Eliezer: I’ll tell you
my story, just so that you will understand how a Hassidic Jew can lose his
way, and not grasp the seriousness of
these matters.
I came here from Israel after the Yom
Kippur War in 5734 / (1973) with many
children to feed. I wandered from one
job to another, trying to make a living
as best as I could and did not have any
stable form of employment. In 5744/
(1984), I happened to visit an institution
in which two of my friends were teachers. Also, when my father would visit
the United States for lengthy periods
of time, he would be employed by that
institution. Because of my ties there, I
became friendly with the staff and also
with the Rebbe, may he rest in peace,
who was the president of the institution.
Since I had no regular job and wanted
to support my family somehow, I helped
the institution in any way I could, even
working in the kitchen.
The Rebbe was already advanced in
years and very frail. With God’s graces
my manner of speaking pleased the Rebbe and I won his trust. I would always
have encouraging words for him and
they would revive him. I would take the
Rebbe out for walks in the fresh air. It
would raise his spirits and imbue him
with fresh energy. The Rebbe was grateful to me for it, as he told me countless
When the Rebbe departed from this
world in 5748 / (1988) and his son was
appointed his successor as the Rebbe
and leader of the institution, he asked
me to continue helping him in whatever
I could, since I had been so close to his
father. Naturally, I accepted and I became the personal assistant and almost
the official Gabbai (assistant).
I would travel with the Rebbe all
over the world, from Australia to California and various other cities, to raise
money for the institution. Of course, I
did everything possible to help the institution including with the finances of
the institution, and I accepted donations
from people on behalf of the institution.
I got to know people and they gave
me money. I became close with the
generous people, who would urge me to
come back again and again. It was thus
that I, an ignorant man, who couldn’t
even read and write English, became a
fund-raiser and bookkeeper of the donations. And this is how I got into trouble.
Thus, based on my experience, I’m
warning young people and even established businessmen, who come out of
the Kollel (seminary for married men),
or work place with minimal professional
education. Before you start dealing with
Continued on page 10
anything relating to legal issues, discuss it with experts in the field, such as
accountants, lawyers and so on, in order
to make sure that you are doing it properly. This is also true when it comes to
giving charity. Not every charitable donation is a deductible expense.
Current: What happened the day
you were arrested?
Rabbi Moshe Eliezer: It’s very hard
to relive those difficult days when my
world collapsed around me. After being
a Torah scholar and a man involved in
charitable work, I was now likened to a
criminal. My family suffers because of
me and I became a broken man, shaken
to my core.
To make the public aware of what is
at stake, I will provide you with some
At six in the morning there was a
knock on the door where we were staying in Los Angeles, and we then underwent a very harsh and frightening arrest.
The officers came armed with guns as if
we were the biggest criminals and it was
very tumultuous. Being led in handcuffs
was horribly humiliating for us.
those difficult days that we had undergone, we had to be strong. It was only
by virtue of the prayers of the community that I made it home in time.
During the day I was interrogated in
order to extract information from me.
Afterwards we were led to a jail where
foreign criminals were awaiting depor-
Current: How did the arrest affect
your family?
tation. We were kept together with wild
criminals as if we were murderers or
robbers. It was a terrible humiliation.
During my whole life my desire has
been to study Torah and perform deeds
of charity. I never earned much money
from my work and whatever money I
saved I sent to the needy in Israel. That
morning I and the Jews who found out
about my arrest were shocked to learn
that instead of being known as a man
who does good, I now had a reputation
for being the lowest of the low. It is
impossible to describe the physical
and spiritual pain I
It took two
days before I was
brought before a
judge for a bail
hearing. My bail
was set very high,
$1.5 million, but
thanks God, in
spite of my disgrace, many kindhearted Jews put
up their houses for
my bail.
In California
the bail law is especially
you must put up
the house you live
in and there are
many other requirements. This
delayed the process even more. I
missed by a hair
staying in jail over
the Sabbath. After
- 10 -
Rabbi Moshe Eliezer: I have no
words to describe it. They underwent
a trauma because of me. At the same
time that I was arrested in Los Angeles,
agents stormed my apartment in Brooklyn, where my wife and children were
staying, and they searched the whole
apartment. It is impossible to describe
how hysterical my family was, not
knowing what was going on.
The agents turned everything upside
down and left the entire apartment in
great disarray. But much worse is the
inner turmoil my family went through.
They didn’t know what it was all about
and they suffered a terrible disgrace
from the whole neighborhood that witnessed the invasion. My poor innocent
family suffered greatly.
Even my little grandchildren were
victims too. Even they heard that their
grandfather had been caught by the police like a common thief in the street.
Current: How did the authorities
find out about the case?
Rabbi Moshe Eliezer: I learned that
I had been on their radar screen for as
long as four years and my conversations
had been wiretapped. A man, who is
himself in trouble with the government,
cooperated with the government.
What I would like to say is that people should not think that they can protect
themselves from being found out. You
can never know what your partner is doing against you and who is listening to
your conversations.
My message to the public is that I
suffered terribly and am still suffering
and I wish this would at least serve as
a lesson to others to not do what I had
done. If you want to be charitable, more
power to you, it’s a great mitzvah (good
deed), but make sure it’s done in accordance with the law. If you don’t know
what to do, talk to your accountant and
make sure you obey the law of the land.
I will be grateful to you for alerting
the public about this matter.
‫ַן‪ ,‬פיל‬
‫א נייעם פ‬
‫ָל צוליב לעגיטי‪‬‬
‫ָבער עס קען‬
‫מע סיבות‪ ,‬א‬
‫ַז זייער‬
‫ַכן א‬
‫זיך אויך מא‬
‫ַנספער ווערט ָ‬
‫ָרפן צוליב אומבא‬
‫ַכן‪ .‬ווען די‬
‫כטיגטע אורזא‬
‫ָנגעגעבענע סיבה פא‬
‫ַנספער ווע‪‬‬
‫ָס די טרא‬
‫רט צוריקגעוויזן איז נישט‬
‫גערעכט‪ ,‬וועט די יו‪.‬דזשעי‪.‬‬
‫ַר'ן קליענט‬
‫ָ‪ .‬שתדל'ען פא‬
‫און מ'וועט העלפן יענעם‬
‫א טרא‬
‫ַקומען ַ‬
‫א צווייטער פ‬
‫ַסירט א‬
‫ָס פ‬
‫לעם ווא‬
‫איז אונטער די "גוטע‬
‫ָוס) טר ַ‬
‫סיבה" (גוד קא‬
‫ַציע‪ .‬דא‬
‫נספער רעגולא‬
‫א קליענט איז‬
‫גילט ווען ַ‬
‫ַרט אין ַ‬
‫ָך ניינציג טעג‬
‫ַן (נא‬
‫פון זיך איינשרייבן ביז'ן‬
‫צוועלפטן חודש) און וויל‬
‫ַן א‬
‫ַנספערירן צו א‬
‫ַן‪ .‬מעדיקעיד‬
‫דערן פ‬
‫א גוטע‬
‫ַן ַ‬
‫ַנגט דא‬
‫ָס די טויש‬
‫סיבה פא‬
‫ָל ערלויבט ווערן‪ .‬די‬
‫ַנספערס ווערן‬
‫ָרט טרא‬
‫נישט לייכט בא‬
‫דורך מעדיקעיד טשויס‪ .‬די‬
‫ָ‪ .‬קעיס ווא‬
‫קערס ווייסן אויף וועלכע‬
‫ַציע זיי קוקן אין‬
‫ַזוי און‬
‫ַל‪ ,‬און ווי א‬
‫א פא‬
‫דורך וועמען צו א‬
‫ַז די נויטיגעענדערונגען‬
‫ַשטעטיגט ווערן‪.‬‬
‫ָלן בא‬
‫זיי קענען אויך א‬
‫טן מיט אייער דא‬
‫אויסצופולן די נויטיגע‬
‫ַציענטן וועלכע‬
‫זייערע פ‬
‫ָרט טרא‬
‫ַרפן די סא‬
‫א דריטע סא‬
‫ַנספער וועלכע קען‬
‫זיין שווער צו ערלעדיגן‪,‬‬
‫איז צו טוישן פון מעיד‪‬‬
‫קעיד צו די טשיילד העלט‬
‫ַם‪ .‬עס קען‬
‫ָס פ‬
‫ַז ווען מען‬
‫ַכן א‬
‫זיך מא‬
‫ַנספערירט צווישן די‬
‫ָל מען פא‬
‫ַמען זא‬
‫א שטיק צייט נישט ווע‪‬‬
‫רן געדעקט דורך קיין איין‬
‫ַם‪ .‬אויב עס מא‬
‫ַן עמוירדזשענסי‪,‬‬
‫זיך א‬
‫ָט ריכטיג גע‪‬‬
‫און מ'הא‬
‫ַכט דעם טרא‬
‫ָ‪ .‬סטעף‬
‫קען די יו‪.‬דזשעי‪.‬א‬
‫ַן העלפן צו ערהא‬
‫עמוירדזשענסי דעקונג‪.‬‬
‫קליענטן קענען און‬
‫ַרעכטיגט א‬
‫זענען בא‬
‫אויסצופולן זייערע רע‪‬‬
‫ָן פא‬
‫מס און זיי אויך עס א‬
‫ַכט זיך‬
‫צוריקשיקן‪ .‬עס מא‬
‫ַז די אויסג‪‬‬
‫ָפט א‬
‫ָבער א‬
‫ָקומענטן ווערן‬
‫עפולטע דא‬
‫נישט צייטליך ערלעדי‪‬‬
‫גט‪ .‬עס קען זיין ווייל די‬
‫ָרעם איז נישט א‬
‫עקומען אינעם ריכטיגן‬
‫ָט מען עס‬
‫ָדער הא‬
‫ַץ‪ ,‬א‬
‫ַרזען און נישט‬
‫פשוט פא‬
‫ַריינגעלייגט אין קא‬
‫ַזעלע פע‪‬‬
‫ּיוטער‪ .‬אין א‬
‫לער קען די יו‪.‬דזשעי‪.‬א‬
‫מעדיקעיד סטעף העלפן‬
‫ַלטן זייער‬
‫קליעננטן ערהא‬
‫ריכטיגן רעסערטיפיקעי‪‬‬
‫ַטוס‪ ,‬געווענליך‬
‫ָן שטא‬
‫ּגיין צום מע‪‬‬
‫דורך א‬
‫דיקעיד א‬
‫מעדיקעיד מיט‬
‫ַכן זיך א‬
‫עס מא‬
‫ָט –‬
‫ָבלעמען ווען מ'הא‬
‫ַט – ַ‬
‫ָט געהא‬
‫ָדער מ'הא‬
‫העלט אינשורענס אויס‪‬‬
‫ָס קען‬
‫ער מעדיקעיד‪ ,‬ווא‬
‫ַפעקטירן די מעדיקעיד‬
‫ָל קען זיין א‬
‫א קליענט איז שוין א‬
‫פון די אינשורענס‪ ,‬און‬
‫ַר מע‪‬‬
‫ּלייען פא‬
‫וויל ַ‬
‫ָבער עס וועט‬
‫דיקעיד‪ ,‬א‬
‫ַרבעטן ווייל די‬
‫נישט א‬
‫ּיוטער וועט צייגן א‬
‫זיי זענען געדעקט אונט‪‬‬
‫ַטער פ‬
‫א פ‬
‫ער ַ‬
‫ָל קען דער פ‬
‫עם אויפקומען ווען מ'וויל‬
‫נוצן די מעדיקעיד‪ ,‬א‬
‫ָזט עס‬
‫די סיסטעם לא‬
‫נישט דורך און פא‬
‫ָל נוצן די אינשורענס‪.‬‬
‫ָ‪ .‬סטעף הא‬
‫די יו‪.‬דזשעי‪.‬א‬
‫ָליגע מא‬
‫זיך שוין פילצא‬
‫ַוועט מיט א‬
‫כע פעלער‪ ,‬און זייער א‬
‫ַוויזן אויס‪‬‬
‫ָבן זיי בא‬
‫ַרבעטן און פא‬
‫די סיסטעם'ס גרייזן נא‬
‫רעדן צו מעדיקעיד‪ ,‬די‬
‫אינשורענס פירמע‪ ,‬א‬
‫בלעמען קענען זיך אויך‬
‫ַכן ווען איינער איז‬
‫געהעריג א‬
‫ָדער א‬
‫אין מעדיקעיד א‬
‫ָ‪ .‬עס מא‬
‫ַז קליענטן הערן‬
‫ָפט א‬
‫זיך א‬
‫ַז זייער‬
‫ַסי א‬
‫אין פא‬
‫ַרבעט נישט; עס‬
‫ַרטל א‬
‫דעקט נישט זייער מעדיצין‪.‬‬
‫ַן צא‬
‫ַרפן דא‬
‫קליענטן דא‬
‫די מעדיצין פון זייער טא‬
‫ָדער ערגער‪ ,‬זיי הא‬
‫ָלן און‬
‫עס נישט צו בא‬
‫דעריבער נעמען זיי נישט‬
‫די וויכטיגע מעדיצין‪ .‬די‬
‫ָ‪ .‬סטעף שטייט‬
‫ָבער גרייט און איז גע‪‬‬
‫ַרבעטן און‬
‫לערנט אויסצוא‬
‫ַררעכטן די פ‬
‫אינעם סיסטעם‪ ,‬און זיי‬
‫ָפט העלפן שפ‬
‫וועלן א‬
‫א קליענט‪ ,‬צייט‪ ,‬כח‬
‫ַר ַ‬
‫און עגמת נפש‪ ,‬דורך עס‬
‫שנעל פא‬
‫ַל איז פרויען‬
‫א פא‬
‫ָך ַ‬
‫ַנדערע אומשטענדן‪.‬‬
‫אין א‬
‫ָפט ווא‬
‫ַכט זיך א‬
‫עס מא‬
‫ָבן אינשורענס צו‬
‫זיי הא‬
‫ָקטוירים קָ‬
‫דעקן די דא‬
‫ַרפן נא‬
‫ָבער זיי דא‬
‫סטן‪ ,‬א‬
‫ּעימענטס‪ .‬אויב‬
‫ָלן קא‬
‫ָבן מעדיקעיד א‬
‫זיי הא‬
‫נס‪ ,‬קען מעדיקעיד דעקן‬
‫ּעימענטס‪ .‬עס איז‬
‫די קא‬
‫ָגן א‬
‫ָבער שווער צו זא‬
‫ַל דא‬
‫ָר יעדער פא‬
‫ווערן‪ ,‬און די יו‪.‬דזשעי‪.‬א‬
‫ָרן די‬
‫ָפט העלפן שפ‬
‫קען א‬
‫ָרשריפטן ווי א‬
‫א פא‬
‫ַרף עס פא‬
‫אפילו ווען מ'ליידט פון‬
‫ּערליכע בא‬
‫ָל פעלט אויך‬
‫צונגען‪ .‬צומא‬
‫ָך הילף צו קענען‬
‫אויס נא‬
‫ַר די עקזעמ‪‬‬
‫ּלייען פא‬
‫די סטעף אין די‬
‫ָ‪ .‬זענען זייער‬
‫ַרן מיט‬
‫ַנט און ערפא‬
‫ָצעדורן אין א‬
‫די פ‬
‫עלכע פעלער‪ .‬זיי קענען‬
‫שנעל אינדעטיפיצירן און‬
‫ַסיפיצירן די עקז‪‬‬
‫ָס מ'איז‬
‫ָן צו ווא‬
‫ַרעכטיגט‪ ,‬און מיט די‬
‫ַקטן קענען‬
‫נויטיגע קא‬
‫זיי עס שנעל ערלעדיגן‪.‬‬
‫סטרעיט מעדיקעיד‬
‫ָס ווע‪‬‬
‫ַר די ווא‬
‫רן געדעקט דירעקט פון‬
‫זייערע ספ‬
‫ָבלעמען וועלכע‬
‫ַנגן מער מע‪‬‬
‫דיצינישע הילף‪ ,‬שט‪‬‬
‫עלט צו די יו‪.‬דזשעי‪.‬‬
‫ָ‪ .‬זא‬
‫לע הילף‪ ,‬צו‬
‫ַז זיי‬
‫מען די‬
‫ּדעיטס צו‬
‫• ַ‬
‫די נעמען‪ ,‬געבורט‪-‬‬
‫ַטומס און זייער‬
‫ָט שטא‬
‫• עפענען און‬
‫ַכן מעדיקעיד‬
‫• דעקונג פא‬
‫ַריינגערעכנט קא‬
‫ָנס‪ ,‬שפ‬
‫טעלער און ָ‬
‫• מ'קען א‬
‫העלפן צו בא‬
‫שנעלע בא‬
‫ַר אינדיווידועלע‬
‫פעלער און צומא‬
‫אפילו צו טרעפן פי‪‬‬
‫ַנציעלע הילף צו‬
‫דעקן אומגעדעקטע‬
‫ווען אונטער די גע‪‬‬
‫ָצעדורן‪ ,‬וויל‬
‫ווענליכע פ‬
‫מעדיקעיד נישט דעקן‬
‫קען די יו‪.‬דזשעי‪.‬‬
‫ָ‪ .‬סטעף אויך‬
‫העלפן א‬
‫נטס‪ ,‬און‬
‫זיי קענען‬
‫די פעיר‬
‫הירינג פ‬
‫ָבן זייערע‬
‫ּלענער הא‬
‫ַגרעניצונגען און זא‬
‫ָס זיי דעקן נישט‪ ,‬א‬
‫אין פילע פעלער קענען‬
‫ַקומען ספ‬
‫קליענטן בא‬
‫ַמען זיי זא‬
‫ציעלע אויסנא‬
‫א געדעקט ווערן‪ .‬אין די‬
‫ַרף מען אויפ‪‬‬
‫פעלער‪ ,‬דא‬
‫ַז מ'איז בא‬
‫ווייזן א‬
‫ַמען – זייער‬
‫ַר די אויסנא‬
‫ָפט זענען די אויסנא‬
‫ַר מענטשן וועלכע‬
‫ען פא‬
‫ָבן 'דיסעביליטיס‪ ',‬און‬
‫ַרף זיין לייכט פא‬
‫עס דא‬
‫ַליפיצירן פא‬
‫זיי צו קווא‬
‫ָך זענען‬
‫ַמען‪ .‬דא‬
‫די אויסנא‬
‫‪- 11 -‬‬
‫‪Continued from page 1‬‬
‫‪As a result of this event, the UJO immedi‬‬‫‪ately created a division within our agency‬‬
‫‪to deal intensively with the issue of foreclo‬‬‫‪sure. This month marks our second seminar‬‬
‫‪educating and assisting community members‬‬
‫‪with the facts and intricacies of this crippling‬‬
‫‪crisis. Seminars will be conducted monthly at‬‬
‫‪venues to be announced within Brooklyn. For‬‬
‫‪further information about our Foreclosure Di‬‬‫‪vision and future seminars, please contact Mr.‬‬
‫‪Felix Gottdiener at 718-643-9700 ext. 243.‬‬
‫לכבוד די חשובע איינוואוינער‪,‬‬
‫עניסער פון מעדיק‪‬‬
‫ָדער טשיילד און‬
‫עיד‪ ,‬א‬
‫פעמילי העלט פ‬
‫ַנען זיך איינ‪‬‬
‫ָס פ‬
‫ָדער די ווא‬
‫ַם‪ ,‬קענען‬
‫שרייבן אין די פ‬
‫ּעציעלע און אייג‪‬‬
‫געניסן פון ספ‬
‫ָס די יו‪.‬דזשעי‪.‬‬
‫ַרטיגע הילף ווא‬
‫ָ‪ .‬שטעלט צו מיט די פ‬
‫ַרטיקל צו וויסן ווי‬
‫– לייענט דעם א‬
‫ַזוי מיר קענען אייך העלפן‪:‬‬
‫ַנגע יא‬
‫עס איז שוין לא‬
‫ָ‪ .‬איז א‬
‫זינט די יו‪.‬דזשעי‪.‬א‬
‫ַלס סערוויס‬
‫ציעל דעזיגינירט א‬
‫ַן א‬
‫ַלס א‬
‫ָוויידער‪ ,‬און א‬
‫ָרט וואו מ'קען זיך איינ‪‬‬
‫עלער א‬
‫שרייבן אין מעדיקעיד און טשיילד‬
‫ָס רעגירונג אינשור‪‬‬
‫העלפט פ‬
‫ָט די‬
‫ָרן הא‬
‫ענסעס‪ .‬במשך די יא‬
‫ָ‪ .‬שוין ב"ה געהא‬
‫טויזנטער קליענטן צו ערהא‬
‫ַמען‪ ,‬און ווען ס'הא‬
‫די פ‬
‫ָבלעמען ווען‬
‫ַכט פ‬
‫זיך געמא‬
‫מ'איז נישט געהעריג געדעקט‬
‫ָט מען זיי געהא‬
‫ָרן‪ ,‬הא‬
‫עס איבערצוקומען כדי די געזו‪‬‬
‫ָלן געהעריג‬
‫ַדינונגען זא‬
‫נטהייט בא‬
‫געדעקט ווערן‪.‬‬
‫ַרונג מיט‬
‫ַנק די ערפא‬
‫טויזנטער קעיסעס‪ ,‬ספ‬
‫ָ‪ .‬סטעף און‬
‫זיך די יו‪.‬דזשעי‪.‬א‬
‫ַנד צו העלפן‬
‫ָט דעם פא‬
‫ַנדלען פון די א‬
‫קליענטן הא‬
‫ָצעדורן‪ ,‬ביז די קָ‬
‫עמיינע פ‬
‫ּליצירסטע אישוס וועגן זייער‬
‫ָווערדזש‪ .‬די היינטיגע העלט‬
‫קעיר סיסטעם קען זיין זייער‬
‫ּליצירט‪ ,‬מיט פא‬
‫ָרשריפטן און רעגולא‬
‫נע פא‬
‫ַפעקטירן די‬
‫עס וועלכע קענען א‬
‫ַל און ָ‬
‫קליענטן'ס אויסווא‬
‫עס וואו צו ווערן בא‬
‫ַפעקטירן די‬
‫און עס קען אפילו א‬
‫א קלי‪‬‬
‫ָס ַ‬
‫ַנדלונגען פון ווא‬
‫ענט קען געניסן‪ .‬די קא‬
‫ָרשריפטן קענען שלעכט א‬
‫עקטירן דעם געזונט‪.‬‬
‫מענטשן וועלכע פ‬
‫ַנדלען און זיך דו‪‬‬
‫ַליין צו הא‬
‫רכקומען מיט די מעדיקעיד און‬
‫ָ‪ .‬סיסטעמס‪ ,‬ווערן‬
‫ַנטוישט און געבן אויף‪ ,‬און‬
‫ָפט א‬
‫ַט קענען זיי פ ַ‬
‫ַלס רעזולטא‬
‫ַר וויכטיגע‬
‫ַסן די דעקונג פא‬
‫א עטליכע‬
‫ָלגענד זענען דָ‬
‫ָבלעמען‪ ,‬מיט ווע‪‬‬
‫ָפטע פ‬
‫ָ‪ .‬הא‬
‫ערפ ַ‬
‫רונג און‬
‫ָט ב"ה‬
‫געווען צו‬
‫פן אין די‬
‫אויב מו‪‬‬
‫ווי איר ווייסט ַאוודאי איז דער גלָאבַאלער פינַאנציעלער מצב זייער‬
‫שווער און ווַאקעלדיג‪ .‬דער קריטישסטער טייל פונעם קריזיס איז‬
‫הייזער פָארקלָאזשורס‪ ,‬אונטער ווָאס משפחות וועלכע הָאבן זיך‬
‫געמוטשעט‪ ,‬געשּפָארט‪ ,‬געבָארגט‪ ,‬און געַארבעט שווער צו קענען קויפן‬
‫ַא דירה‪ ,‬קענען זיך חלילה טרעפן ָאן קיין דַאך איבער’ן קָאּפ צוליב זייער‬
‫אוממעגליכקייט ווייטער צו צָאלן די מָארגעטזשעס‪.‬‬
‫עס איז שוין יָארן ווָאס די יו‪.‬דזשעי‪ָ.‬א‪ .‬שתדל’ט און לייגט ַאריין‬
‫ַאסַאך ַארבעט צו צושטעלן בַאקוועמע דירות פַארן גַאנצן ציבור – סיי‬
‫פַאר רענטערס און סיי פַאר קויפערס ‪ -‬ווָאס זיי זָאלן זיך עס קענען‬
‫ערלויבן‪ .‬אויך אין די איצטיגע שווערע צייטן‪ַ ,‬ארבעטן מיר אינטענסיוו‬
‫צו צושטעלן אונזערע בעסטע סערוויסעס ווָאס נָאר מעגליך פַאר‬
‫איינוואוינער צו קענען עררייכן און בלייבן אין געהעריגע דירות‪.‬‬
‫אויב חלילה די בַאנק הָאט שוין ָאנגעהויבן קעגן אייך די פָארקלָאזשור‬
‫ּפרָאצעדור‪ָ ,‬אדער איר זענט בַאזָארגט ַאז עס קען ּפַאסירן אין די‬
‫צוקונפט‪ ,‬הָאבן מיר סטעף און אינפָארמַאציע וועלכע קענען אייך‬
‫העלפן‪ ,‬ווי מיט די סטעיט און לָאקַאלע הילף אין ַאזעלכע פעלער‪ ,‬ווי‬
‫ַאזוי אויסצומיידן פָארקלָאזשורס‪ ,‬און אויך איר זָאלט וויסן ווען די‬
‫פָארקלָאזשור פַארזוכן קעגן אייך זענען שווינדלערייען ווָאס נוצן אויס‬
‫די שווערע צייט‪.‬‬
‫פַאר סיי וועלכע פרַאגעס דערוועגן קענט איר רעדן צו ַא הַאוזינג‬
‫קַאונסלער אין די יו‪.‬דזשעי‪ָ.‬א‪ .‬דורך רופן אויף ‪718.643.9700‬‬
‫עקסטענשָאן ‪ָ 209‬אדער ‪.243‬‬
‫בברכת חג כשר ושמח‪,‬‬
‫הק’ משה דוד ניעדערמַאן‬
‫טשעט איר אייך מיט איינע פון די‬
‫ַציעס‪ ,‬קענט איר רופן‬
‫ָ‪'.‬ס מעדיקעיד און‬
‫די יו‪.‬דזשעי‪.‬א‬
‫ָס סטעף אויף‬
‫טשיילד העלט פ‬
‫ָן ‪,207‬‬
‫‪ ,718.649.9700‬עקסטענשא‬
‫‪ ,213 ,208‬און ‪.214‬‬
‫ָרקערס אין די יו‪.‬דזשעי‪.‬א‬
‫ַליזירן זיך אין פא‬
‫ַנספערס וועלכען‬
‫ָרטן טרא‬
‫ענע סא‬
‫ָדער או‪‬‬
‫קענען זיין שווער א‬
‫ַר די קליענטן א‬
‫ממעגליך פא‬
‫עס דורכצופירן‪.‬‬
‫טוישן עיטש‪.‬עם‪.‬א‬
‫ָרט פ‬
‫די ערשטע סא‬
‫ַכן זיך מיט געווענליכע‬
‫עמען מא‬
‫ַנספערס‪ .‬קליענטן ווערן א‬
‫ַנספערירן צו‬
‫צוריקגעוויזן צו טרא‬
‫ווען מען וויל טרא‬
‫ַנדערע מענעדזשד קעיר‬
‫ַן א‬
‫צו א‬
‫ָל זיך א‬
‫ַן‪ ,‬קען מען צומא‬
‫ָבלעמען‪ .‬די קעיס‬
‫שטויסן אין פ‬
‫ווייטער אויף זייט ‪11‬‬
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