Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 177:17-23. Interest: Late Fees and Penalties; Business Dealings, Investor and Managing Partner

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Yoreh De’ah 177:17-23. Interest: Late Fees and Penalties; Business Dealings, Investor and Managing Partner · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:02
  OK, I'm focused. OK, So kuf EIN zein helpless
• 0:05
  ribas. We are continuing with the topic
• 0:08
  of late fees and penalties. OK.
• 0:11
  So it's important that you listen to the previous year to
• 0:16
  understand the next couple and appreciate the next couple.
• 0:18
  See. All right, you'd sign Amal VE
• 0:22
  alamashkam VE Amar. So again, this is the case of he
• 0:27
  lends out cash, let's say $100 and he says if, but I'm giving
• 0:35
  you a Moscone this time. We didn't have this.
• 0:37
  We didn't have the Moscone scenario.
• 0:39
  We learnt that you can't charge $10 extra when the month passes
• 0:44
  because you passed the time that you were supposed to be paid
• 0:48
  $100. Let's say, right?
• 0:51
  Our example was you made it for 30 days, whatever it is, and you
• 0:55
  relate. So you can't charge a late fee
• 0:57
  of $10.00. But we did learn you are allowed
• 1:01
  to turn it the Mafreya into a Mecca of so that that is a
• 1:08
  loophole, a legal 100% way to make a late fee, right.
• 1:12
  The whole problem is Haramas Ribis and that just undoes the
• 1:16
  Haramas ribis. So here it's a little bit a bit
• 1:20
  more of a homra. If you when you lends the
• 1:24
  $100.00 with a person who borrowed the $100, gave a
• 1:28
  moshkon an item worth let's say $110 more than the 100 at the
• 1:34
  Amar, and he says I don't pay by such and such a date that we
• 1:43
  agreed on, then you can keep it as long as this in collateral.
• 1:55
  The scapez is worth more than the loan, more than $100 in our
• 1:58
  case. So then yeesh, me Shaoser
• 2:02
  mushroom haramas Rebus. So in the Besioso, if you quote
• 2:05
  Sarishon, who writes, I forget the name, but he writes it's
• 2:09
  aser because of Haramas Rebus and that's the halafa.
• 2:13
  The difference is because if you give a mashgun at the same time
• 2:17
  as giving the cash, it resembles more as you see that immediate
• 2:22
  exchange. You give $100 and then you get
• 2:25
  something in return that's worth more than $100.00.
• 2:28
  So again, it's not 100% mukhra. The whole concept is not real
• 2:33
  ribis. But that is the opinion of that
• 2:36
  Rishon that gets quoted and that becomes the Halafa, the accepted
• 2:40
  Halafa Mahalaposkin that if you have, if you're doing that, you
• 2:44
  can't make the penalty of a late fee a Hefitz.
• 2:49
  If it's the mash cone itself, that's the one exceptions.
• 2:53
  You have to use a different item that's in exchange.
• 2:57
  That happens much later on and it's more removed and it it's
• 3:01
  less similar to Ribbus. So that's OK, you're cut.
• 3:09
  It just means that's the penalties more than the 100
• 3:12
  million. But but the mash in itself is
• 3:14
  going to get that with the rest of the machine is going to take
• 3:17
  that. No, no, no, he's leaving.
• 3:19
  He's if he doesn't pay for 30 days case is you don't pay for
• 3:22
  30 days. The item is worth more than
• 3:24
  $100. You keep the whole item and you
• 3:26
  don't have to pay back the loan anymore.
• 3:27
  That's what the mush that's a general mush gun.
• 3:30
  In general. A mush gun is collateral that if
• 3:32
  I don't pay on time, you you keep it or you sell it and you
• 3:35
  keep the the portion from it just literally sound like he's
• 3:39
  only eat the part That's more than the no, no, no, no.
• 3:43
  OK, you've had Amokhar sahora la cavaro beshishim zehuvim
• 3:47
  shikibel. OK, so what's this case?
• 3:50
  It's a little bit of an inverse of what we learned before.
• 3:53
  Another way of having a late fee.
• 3:57
  So we say like this. In this case, you didn't lend
• 3:59
  money. You sold an item from day one.
• 4:02
  You sold an item and it's worth the item is worth 60 Zehuvim and
• 4:10
  Shakib El Miyat. He got the merchandise
• 4:13
  immediately. He went to the store and this
• 4:17
  this is not an issue of there's no two fees.
• 4:19
  This is not Ribis. They're abundant that we learnt
• 4:23
  simonym about. This is just a normal
• 4:26
  straightforward sale. You sell something, you pick it
• 4:30
  up from the store or you know retailers from wholesalers,
• 4:35
  whatever. It is very normal.
• 4:37
  You buy it and you have a number of days to pay it back.
• 4:41
  Let's say 30 days is common. Whatever the whatever the
• 4:44
  agreement is, you have time to pay it back.
• 4:47
  And he says like this, but you only get, let's say you only,
• 4:51
  you can't have forever to pay it back.
• 4:52
  Let's just call it not 30 or 30 days to pay it back.
• 4:58
  In this case, he agreed to let you keep the item.
• 5:02
  He bought the item. It's not, it's not alone.
• 5:04
  And you pay the money, let's each other money in a year from
• 5:09
  half a year from now. That's this, that's this
• 5:11
  scenario. Whatever it is, it could be 30
• 5:12
  days, it could be 1/2 a year. And if you pass the time limits,
• 5:18
  you can pay back tomorrow or today, but there's a limit, you
• 5:21
  pass that limit automatically, you get a penalty of now you
• 5:28
  have to pay a hundreds of 60. So it's a 40 of penalty.
• 5:34
  So is that OK, The Kano Miyado, Mihigiya Hasman and he made the
• 5:40
  king and he took the item and then the time comes, right?
• 5:44
  That's exactly like it was written in the agreement.
• 5:52
  So I will just point out to you, because we had this, we had we
• 5:54
  mentioned this before. This is really, it's a reference
• 5:57
  to halakos of Kosher Mishpat. The shock just points out you
• 6:02
  have can't be where it's in a case of an asmatta where the guy
• 6:07
  doesn't really agree, he doesn't believe he's ever going to pay
• 6:10
  late. So a deal like this can't be
• 6:14
  where you where one guy accepts the deal.
• 6:16
  Yeah, yeah, yeah. He just listens to you.
• 6:18
  But he really doesn't think he's ever going to reach that point.
• 6:21
  He has no hava minute to ever pay the 100, the late fee, but
• 6:23
  you know, he's just going to pay on time.
• 6:25
  So in that case, you don't have to pay on time if it's just an
• 6:28
  asmatta. So therefore it's important that
• 6:31
  you according to the shalkhanara, you use the words
• 6:33
  may aksha. That's again and but here just a
• 6:44
  quick reference, at least according to the Ramara, the
• 6:46
  cleanest way is you make a Kenyan of some sort, such as
• 6:49
  it's done in front of three or you're right in the star.
• 6:52
  It was done in front of three witnesses or three OK or three
• 6:58
  based in kilo and all right, fine, let's go on.
• 7:04
  Or you have it in a regular star as we mentioned, just so you
• 7:06
  avoid the issue of the guy doesn't take it seriously.
• 7:09
  Begia Osman. OK, back to our halakha.
• 7:12
  Begia Osman of ribis. Now it comes time to pay and he
• 7:16
  has to pay a penalty. The low Natan, he has to pay 100
• 7:23
  and it's not a problem of Ribis. It's a late fee, a one time late
• 7:27
  fee on Kenyan on buying an item we learnt as 100% letter The
• 7:33
  Who. But here's a caveat Kisha, this
• 7:38
  is a little bit a throwback from what you learned before.
• 7:42
  OK, well, The Who Kishapasak al Aswara when they made the Halafa
• 7:48
  their transaction, their deal with the merchandise.
• 7:53
  It has to be in order to avoid issues of of of Aquarius, it has
• 7:59
  to be shiyatsa hashar, vakana kafi hashar.
• 8:03
  That the price that there was a set normal price and everybody
• 8:06
  agree and it was the normal price.
• 8:09
  Oh Haiti lo escora hai or he the seller had that merchandise.
• 8:16
  That's that's if I believe that's if he didn't actually get
• 8:21
  the merchandise immediately. That was also it took him a
• 8:24
  little bit of time to get the merchandise and then he's then
• 8:28
  he has six months to pay for the item because then if it's that's
• 8:33
  from the previous Sogya in Yatza Shar or Haitelo Eskora, it's
• 8:37
  also called Yezhlo. Then we look at it as if it all
• 8:41
  happened at once and there was a no time delay.
• 8:44
  All right, OK, that's just OK, Let's go to your text in hifkeed
• 8:50
  mouth Ezel Calvaro a person. This is not a loan.
• 8:55
  This new case is you're lending money, you're lending a bag of
• 9:00
  cash. OK, IM hif Ki Mao ETS El
• 9:04
  caveiro. He gave it to him to watch.
• 9:06
  He didn't tell him you can spend it, It's not a loan.
• 9:10
  But then he this the nif cut the one who's watching it for him.
• 9:15
  The show mayor violated his request and Hilvam Lagoin and he
• 9:20
  decided, and this is not an Iska situation, he decided to lend it
• 9:27
  out. We learned before that we're
• 9:30
  going to have this again later on that if he if it's an East
• 9:33
  Sky situation and he told you to spend the money and you're the
• 9:36
  managing partner, so you're not supposed to do what he doesn't
• 9:42
  want, but if you're doing it for him, it's OK because you're
• 9:47
  making a business deal for the both of you.
• 9:49
  But that's not this case. This case is you're just asked
• 9:53
  to watch the money and don't do anything with it.
• 9:56
  You're not making business with it and you're not lending it
• 9:58
  out. And then you went around and
• 10:00
  then you lent it to someone. You gave a full loan to a goy to
• 10:04
  a non Jew to do whatever he wants with it.
• 10:07
  Charge him Ribis and fine. So that's us.
• 10:13
  Or to do as the grub points out, it's like Kevan Shashalak yad.
• 10:18
  He was. He used it when he wasn't
• 10:20
  supposed to. He is a goslin.
• 10:23
  OK, fine. So he gives it to him.
• 10:26
  Kayev now he did. He went against when he was
• 10:30
  supposed to. He's a goslin.
• 10:31
  So now he's Kayev an onsin, the Nivkat, the Schomer, the A in
• 10:35
  the MAF give the Rev A clow. And the one who gave it to him,
• 10:39
  the one who's owned the money, is not allowed to benefit
• 10:44
  financially. He has to get the money returned
• 10:47
  to him, but he can't get any money from it as part of the
• 10:52
  deal. However, the Iman Nifkad wrote.
• 10:59
  But if he decides he wants to, if the Nifkad or the Schomer,
• 11:03
  the guy who was watching the money, if he wants to give him a
• 11:07
  gift of cash, is a mutter. It's 100% mutter because Ribis
• 11:14
  is only user. When you get a loan, someone
• 11:17
  gives you money, you take it over, you use it as you want,
• 11:20
  then you return the money and for the favour of using the
• 11:23
  guy's money for your purposes, you're paying back interest.
• 11:27
  Well, in this case, he wasn't allowed to use it and it wasn't
• 11:31
  a loan. And therefore, by definition it
• 11:34
  can't be Rivas. And they weren't Go there in a
• 11:36
  case over here of of Haramas Rivas.
• 11:40
  But it looks like Rivas from a certain vantage point, it does
• 11:47
  look like Rivas. And therefore the Sholkhanar
• 11:49
  brings the case to point out that they were and goes are in
• 11:53
  such a case. Because if anybody thinks about
• 11:56
  it for 2 seconds like we just did, everyone knows it's
• 11:58
  definitely not Rivas because there was no loan like, but OK.
• 12:04
  And it was us for him to use it. So yes, it could, it could have
• 12:09
  been, but it isn't cough Hamis Asik Vishal Cavaro Vinoten lo
• 12:16
  reva Bekoshanah. A person works for his friend in
• 12:21
  Isca and they share the profits for a year.
• 12:26
  Ulubesov at the end of the year and he's throughout the year,
• 12:31
  the managing partner has been giving him cheques or deposits
• 12:34
  into his account, telling them here, this is your profit.
• 12:38
  Ulubesov Towing at the end of the year he he says, by the way,
• 12:43
  all that money I was giving you, I was pretending that that was
• 12:47
  profit. Shiloh Yashamreva and but there
• 12:50
  was really no profit. The business did terrible the
• 12:52
  whole year. We made no profit.
• 12:54
  We do not believe him and unless he has, even if the, the, the
• 13:07
  the owner doesn't have any witnesses, it doesn't matter.
• 13:12
  We don't believe him at all. And he must pay.
• 13:15
  He gets to keep all the profit. And then the guy owes him all
• 13:18
  the the care and the principle. And this is and it's because he
• 13:24
  himself by paying and calling a profit all year long, he himself
• 13:28
  already sealed his fate. OK, Kafala, IM notain the Cavero
• 13:35
  scora bittoras isca. All right.
• 13:39
  It's again similar case, the normal case of isca.
• 13:43
  We keep jumping back in and out throughout this Simon correct.
• 13:50
  So normal case of isca with merchandise as opposed to cash.
• 13:54
  But the isca goes the goes on both.
• 13:57
  I mean could be either 1 normal either way, it's a normal case
• 14:02
  of isca. However, this is where it gets
• 14:05
  the new caveat, a new twist. Inderak liskor kateh le holika
• 14:12
  leshuk. Now when you give the
• 14:15
  merchandise, it's not a wad of cash.
• 14:17
  You just hand them in his hand or a bank deposit that it's
• 14:20
  easy, it's heavy. So you have to have a Kateh, a
• 14:24
  carrier or a Qatar. Qatar, thank you.
• 14:28
  You have to have a delivery service, you have to have
• 14:31
  mishlovak a truck, whatever it is, you have to get transferred
• 14:35
  over. So who normally pays for it?
• 14:38
  So in a case when normally the investing partner who gives over
• 14:43
  the cash, that becomes his expense.
• 14:47
  OK, so that so he has to pay for that Loyo Marlow.
• 14:52
  I thought of his personal portion.
• 14:54
  Loyo Marlow, he cannot tell him and it's usser for him to tell
• 15:04
  him that it's us for him to pay it.
• 15:07
  The the the managing partner can't absorb that cost and pay
• 15:13
  for it. And he can't be because he says,
• 15:16
  listen, I'm paying you remember we we said it can't be a deal of
• 15:19
  5050. It has to be it because you have
• 15:22
  to pay him for his service something and it could be 10%,
• 15:26
  it could be a shalish 6, depending how you define it from
• 15:32
  the total amount. That's what the Cazals often
• 15:35
  says is the case of Stump. Again, it could have been $1.00
• 15:39
  if you set it up initially. But the point is you can't say
• 15:44
  after the fact and you can't do it even before the fact because
• 15:48
  it turns out that that's that's expense.
• 15:54
  If the managing partner has to pay it, then we look at it as
• 15:59
  Rivas, we look at it as Rebus on the malva portion.
• 16:04
  In other words, these, there can't be anything in exchange
• 16:08
  for this Scar TIRCA. It has to be now.
• 16:12
  It could be you can do partial. It's just it could be if you set
• 16:17
  it up right from the very beginning, it's OK because we
• 16:20
  said you can even make scar TIRCA $1.00.
• 16:23
  So it could be, it could be set up somehow, but it can't
• 16:26
  certainly in the way here you show up afterwards and you say,
• 16:29
  by the way, let's make a trade for it.
• 16:31
  So all right, anyways, but that's the principle.
• 16:37
  And the shock points out really it always goes based on what the
• 16:40
  minog is. It could be the minog is the
• 16:43
  managing partner always pays for it.
• 16:45
  And then that's OK because that's what's normal.
• 16:48
  It can't be where the the manage the investor.
• 16:54
  Certainly it cannot be when the man and you and the investor
• 16:57
  partner based investor basically says I want you to cover
• 17:00
  something and that can be construed as or thought about as
• 17:06
  a ribis for or a benefit for the his Ketzi Milva.
• 17:13
  That's the that's the guiding principle.
• 17:16
  OK, exactly how it applies a little bit tricky, fine, but
• 17:20
  that's the main idea of the Shamin Kamatsarik Litaine
• 17:24
  Rubikhala Karen Nirmanja says after the fact you when the
• 17:31
  managing partner has to pay back the Karen, the principal to the
• 17:36
  investor, he deducts the expense of the carrier of the the
• 17:41
  delivery service, the shipping fees.
• 17:45
  That's right. If the manager, if the investor
• 17:48
  wants it to come out of the manager in his pocket.
• 17:51
  So the manager pays for it and he deducts it from the Cairn.
• 17:56
  And because that's the whole fine, let's go on.
• 18:01
  Cough bet imesh limacabo skara shakana Guzman, Hazel.
• 18:08
  OK, so again, this is a normal case of ISCA and he gives them
• 18:13
  money or merchandise from the beginning.
• 18:16
  Let's say it's money. OK, Now this money is supposed
• 18:23
  to use be used by the managing partner to run a business.
• 18:27
  He's supposed to buy merchandise with this money, sell the
• 18:31
  merchandise, make a profit, return the interest and share
• 18:35
  the profit. That's the normal case of any
• 18:37
  Scott happens to be the business that wants to be used over here.
• 18:44
  The merchandise that he wants to do, make money out of it.
• 18:47
  He has that merchandise. The managing partner just so
• 18:51
  happens he has this merchandise in his own in his own garage or
• 18:54
  his own storage warehouse, whatever it is.
• 18:57
  He has the items himself, but he bought it let's say a year ago
• 19:04
  for a cheaper price than it could be sold today.
• 19:07
  So the halaqa is Ryaksha and now when they started this Iskra,
• 19:14
  the merchandise that he has in his warehouse or in his house,
• 19:18
  it went up in value. Now it's worth more than when he
• 19:20
  when the managing partner bought it a year ago before they even
• 19:23
  knew each other. Dao he has it his house.
• 19:26
  We say LO yah shumotah kemos chicana alla komosha shabiata.
• 19:32
  You can't what's the right word? Appraise it or assess.
• 19:38
  There you go. That's the word.
• 19:39
  You can't assess it the way it was a year ago.
• 19:45
  You have to assess it the way it is now, because now is what it's
• 19:48
  worth. And if you give him a discount,
• 19:54
  you can't give him a discounted price from a year ago, because
• 19:58
  that discounted price can be construed as or thought about as
• 20:03
  ribis on his khetsi malva. That's the problem.
• 20:07
  And it's also cheating himself. The item is does is not worth
• 20:12
  what it was a year ago. That item is worth what it is
• 20:14
  now. You're not allowed to because it
• 20:18
  could be a ribis problem. Can't be a super nice guy,
• 20:22
  right? Can't be foolish and businessy.
• 20:24
  But really, you can't be a super nice guy because of ribis.
• 20:26
  That's the problem. Well, Malcolm Shinagu, let's
• 20:29
  take now. This is just a separate issue
• 20:31
  that our mouth throws in anytime we deal with an ISCA.
• 20:36
  Each partner owns half of his own half of the prophet.
• 20:41
  No one person can control the other person's prophet because
• 20:45
  it's the entire prophet doesn't belong to one of them.
• 20:49
  Each one owns his half and therefore now when?
• 20:58
  When the person normally gives, when the minute is to give mysir
• 21:03
  from the prophet Ina Makabel, Miyahu, alot, Mitena Meiser, Eli
• 21:07
  Hetzel, Lenote, who the managing partner can't say listen, we
• 21:14
  always the minute over here is we give 10% of our profit to
• 21:18
  Sidaka. So we made $100 profit.
• 21:22
  Before I give you your $50, I'm going to give 10% to the Sidaka
• 21:27
  that I like, and then I'll give you your $45.00 back.
• 21:30
  And you don't have to pay Meister Sidaka on that money.
• 21:36
  You're not allowed to do that because you're controlling his
• 21:38
  half. It's none of his business.
• 21:39
  It's not his half to control. And you have to give the 50, his
• 21:43
  half, whatever, whatever the half the profits are, minus this
• 21:47
  criteria, whatever he gets. And then he takes that money and
• 21:50
  then the investor gets to choose where he gives his Sidaka to.
• 21:54
  How did he have it? Did you have it?
• 21:57
  You're not allowed to. He could be a Gazan.
• 22:00
  Yeah, sounds like OK. I'm not sure 100%, but sounds
• 22:07
  like OK. Kafka MO annotating Behema la
• 22:13
  caveiro B iscaba astronaut. Now let's say a person is going
• 22:17
  to give an ISCA, he's going to give a business, right?
• 22:22
  They have a deal, a normal case of ISCA, and he gives it to him
• 22:25
  and he says it gives him a Bahama gassa, he's giving him an
• 22:29
  animal, Kya vitafel shwanasar kodesh.
• 22:34
  He has once they agreed to go in this business, he gives him the
• 22:38
  animal and the managing partner is now taking care of the
• 22:41
  animal. He's working hard for the
• 22:43
  animal. He's to feed him, take care of
• 22:46
  him, carry him. Sometimes, I don't know, make
• 22:48
  sure he doesn't get sick, whatever.
• 22:50
  Deal with him, protect him, whatever's involved bringing him
• 22:53
  in and out. You can't go back on your on the
• 22:57
  deal for 18 months. Shmunasar Kodesh.
• 23:01
  Once you go into this deal and you give them livestock, then
• 23:05
  the investor cannot go back. We're going to see maybe the
• 23:10
  other one could managing partner, but the investors
• 23:13
  certainly cannot go back for Ubadka Estream, Ubadaka Estream
• 23:19
  of the ARBA. And once you make go into this
• 23:21
  deal 5050 and you give him a small animal, Dhaka, you know,
• 23:27
  like a sheep. So then you can't go back on it
• 23:31
  for 2424 months. Ubettok zezman kolekhad MI
• 23:36
  akevaka Vera. Now, as long as this period is
• 23:39
  involved, each one is locked in and can't go back because
• 23:48
  there's an advantage in the there's two in the AKA the the
• 23:56
  TAZ explains it nicely because in the first year or the
• 24:01
  beginning of the deal, love DACA the first year, but we'll call
• 24:04
  it the first year, the beginning of the deal, the first months,
• 24:07
  the DACA requires much more time and care and energy and and
• 24:12
  physical labour in this. And then in the second year it
• 24:16
  requires more money because the animal gets bigger and then he
• 24:20
  eats more food. So basically, there's a reason
• 24:25
  why there's an advantage, disadvantage on both extremes,
• 24:29
  why for the entire period of time they're locked in.
• 24:33
  So you can't, you can't read it, OK, unless they both agree that
• 24:37
  you can't force force to go back.
• 24:39
  Now what happens to the offspring during this time
• 24:43
  period? 18 months, 24 months and you
• 24:47
  have a little offspring that I'm born Vavados Malcolm Shinagu
• 24:52
  Malcolm. So it depends with the Menagas.
• 24:56
  There's two possible menagas. It depends on the Menagam.
• 25:00
  Either they immediately divide up the animal right, OK again
• 25:07
  and you have to do it with an appraisal, or they both agree to
• 25:11
  what's hetzi hetzi, but OK either way, either option or the
• 25:23
  minad might be that you, there's nothing you can do You can't.
• 25:28
  You don't sell it for 30 days or 50 days, depending if it's let's
• 25:31
  say a Cal or a she, vice versa, whatever.
• 25:36
  And from then on, no tell. Starting after that time, in
• 25:51
  other words, once it's the time where you can separate, you
• 25:54
  could divide it. Then what happens?
• 25:58
  Half of the blood belongs to each one, to the investors half,
• 26:05
  to the managing partner half. But then the managing partner is
• 26:10
  also watching the other the investors half again.
• 26:14
  So you do the managing partner gets 100% of his half the profit
• 26:21
  and then the from the other half they get that's the Palga Palga.
• 26:25
  So then in, in essence, the managing partner after these 30
• 26:30
  or 50 days or what depending or immediately around the minute he
• 26:33
  gets 3/4 of the profit and there's no start.
• 26:38
  We're going to see and there's no start.
• 26:40
  But here, fine, that's not Satya.
• 26:45
  Yeah, it's Paga. Paga, that's the ISCA.
• 26:47
  That's not whenever we said Satya has a deduct from that
• 26:51
  5050. Yes, exactly.
• 26:56
  It's a little bit like a new ISCA until let's get to the end,
• 27:00
  you'll see it reverts back. So right now he's making 3/4
• 27:03
  profit Meyer Khela Khashini and you don't have to lose
• 27:09
  Khartirchha because the whole animal is one animal.
• 27:13
  So when he's taking care of his animal, Mamela is taking care of
• 27:18
  the other animal, Barkhorcho. And therefore it doesn't look
• 27:22
  like you're working for him, for the Khelik of the Malva Iim
• 27:26
  Balakhlok. Now let's say you want to you
• 27:29
  want to divide the animal. Each one takes his half no
• 27:32
  problem. And there's one Sigiya Dizman,
• 27:35
  whether it's OK, 18 months, 30 days, however, whatever the
• 27:39
  whatever we're holding in the in the in the in the calendar,
• 27:43
  right? Or they both agreed.
• 27:44
  Sorry, Cleo Dio la Calvaro. He has to tell him and they have
• 27:47
  to agree how to fairly divide it.
• 27:50
  Or if the guy doesn't want to agree to it, but Iggia has 1.
• 27:53
  So how do you force him? You bring le shume Ole hats, not
• 27:58
  be fenesh lotion. You bring in an assessor or
• 28:02
  appraiser, whatever the right word is, and you do it in front
• 28:05
  of three and you divide it in front of three.
• 28:08
  And then you can't say anything because that's a halaka.
• 28:10
  We in love in a Kaluka Klum. But if you try and divide it
• 28:14
  without doing, without agreeing or getting an assess, So then
• 28:19
  you didn't, there's no kaluka, you didn't accomplish A kaluka.
• 28:23
  It's impossible to divide it. It's all intertwined and
• 28:28
  therefore and and we say the Iska's also Vitella and
• 28:33
  therefore listen to the Rama Hagav Eno no tell rat Mahita
• 28:38
  Shava. And now you go back to
• 28:41
  everything. We say everything has not been
• 28:44
  divided and everything, everything including the animal,
• 28:49
  the imaginal animals and including the Vlados until you
• 28:52
  come to until you do a kaluka, everything you have over here.
• 28:57
  We look at it as coming from the investor and everything is and
• 29:03
  from now at this point on, once it's the time of the Khaluka.