Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 173:1-4. Interest: Higher Sale Price If Paying Later or Lay-Away; Selling a Loan

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Yoreh De’ah 173:1-4. Interest: Higher Sale Price If Paying Later or Lay-Away; Selling a Loan · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:00
  OK, good morning. We are on.
• 0:02
  We are in Simon, Kufai and Gimel.
• 0:05
  Sif, Alef. Kufai and Gimel Harbe, prote
• 0:08
  DNA. Ribis a lot of protein of the
• 0:10
  laws of Ribis, specifically Ribis that could.
• 0:13
  Come up in a cell. We're in the 1st.
• 0:15
  We're going to cover things that happened during a cell.
• 0:18
  So, Aleph Mahala. Habero doba seshava azar.
• 0:22
  Zehuvim, Beaud Base, Bishville. Shamanten Law.
• 0:27
  Sir, So the first is is what we would.
• 0:29
  Call a layaway plan if you'd pay me now and take when you take
• 0:35
  the object. So then it's $10 and if you want
• 0:41
  me to not accept payment for another 30?
• 0:43
  Days then it's $12.00. So that is what would we call
• 0:47
  what we call. Agarnata agarnata so that.
• 0:51
  It's it's it's the. We're getting essentially the
• 0:55
  MOFA is getting paid to not accept the money for a while.
• 0:58
  That had to have the money be. By the by the buyer.
• 1:02
  For a little bit longer. So that's a form of lending him
• 1:05
  the money and he's getting, he's getting.
• 1:08
  Paid for. Lending him the money in that
• 1:10
  way. So that's awesome.
• 1:15
  It's. Really, the price is. 10 but I
• 1:19
  will. Let you keep.
• 1:20
  It for longer for. 12 so that's that that way is.
• 1:24
  Awesome. We're going to see some ways
• 1:25
  that I want to atilu Imhamokhar usher even if the one selling.
• 1:30
  It is is wealthy. Then it's our flammals.
• 1:32
  He doesn't need the money. But in other words, it's not
• 1:36
  worth it so much that you know whose hands the money is by.
• 1:40
  It's not like he needs the money desperately.
• 1:42
  Such that oh hell, those extra 2 suit.
• 1:44
  Could really help me? Or or.
• 1:46
  You need to compensate me for the fact that I don't have the
• 1:48
  money right away. None of that applies.
• 1:50
  It doesn't matter. It's still agronata below.
• 1:54
  Haisa Haskar Nifsuddis Ezlow Also if we were to keep this
• 1:59
  horror by the Mofar. For the time for that.
• 2:01
  It'll take the lover to. To get the money together.
• 2:04
  So it's not like this. Horror would would rot, right?
• 2:06
  So. There's no, there's no.
• 2:08
  Even if there's no real difference to the MOFAR, doesn't
• 2:11
  matter. It's it's it's awesome.
• 2:14
  The nods var memoriam the devastation.
• 2:16
  Shah yadua. When is it?
• 2:18
  Also it's. When the when the price of the
• 2:21
  item there's an actual Shah, there's an official rate for
• 2:26
  this. So when when we're talking about
• 2:27
  different currencies? The Bank of Israel, for example,
• 2:30
  has an official. Conversion rate between
• 2:33
  different currencies, right. So that would be like an
• 2:34
  official. Price of this item.
• 2:39
  Oh, double shumto. Yeah, and there's an.
• 2:44
  Official price maybe? Maybe some of the subsidized
• 2:48
  items in Israel? That's an it's an official, it's
• 2:50
  an official price that that. Different stores can charge.
• 2:53
  That might also count. Right, so there's there's.
• 2:55
  There comes an an official price for an item Item Odover Shoshum.
• 2:59
  Told you do or or. Or even an item that the going.
• 3:03
  Rate for it. Is known if you go and.
• 3:06
  Pill pill Oshiba like pepper or wax these.
• 3:09
  Are things that people would constantly buy.
• 3:12
  Right, so the fact. That they would constantly buy
• 3:14
  it means that there was a known price in the city, in the area.
• 3:17
  The known price what? What?
• 3:18
  It is what were. What are people paying in the
• 3:20
  shop? Right, because it's a common,
• 3:22
  commonly bought item. If we were to compare this to
• 3:25
  banking ideas or financial ideas.
• 3:29
  That it's liquid, right, so. There's there's a known going
• 3:33
  rate for it. Avatal is the Kyoto, so we say a
• 3:42
  talos or a para. Where where the size of the item
• 3:47
  determine and determines its. Its price.
• 3:50
  And every individual item is, you know, slightly different.
• 3:54
  So then each one has a slight, slightly different price.
• 3:57
  So then you can't say that there is a known price for this thing.
• 4:01
  It's only what are you going to charge for?
• 4:04
  Al Latas goes to Bosch. And lochar yudua, the EN shumto
• 4:07
  yudua, there's no known, there's no official.
• 4:09
  Prize for it. There's no going rate for it.
• 4:12
  Each one of them has to be prized.
• 4:14
  Separately. Each one is unique.
• 4:17
  Each one has to be. Or.
• 4:18
  It's it's a non fungible item, right?
• 4:21
  You can't necessarily. It's not like coins where every
• 4:24
  coin is identical. You can switch one for another.
• 4:27
  That's that's where the phrase NFTS come from.
• 4:29
  They're non fungible, right that.
• 4:32
  As. Opposed to coins, any one of
• 4:34
  them is exchanged with with another one.
• 4:35
  The the the cost of 1 currency for another is is completely
• 4:39
  known. These are individually appraised
• 4:43
  items. So eventually you do so, then
• 4:45
  Moto la Mochrobioka then you can you can you can sell them for a
• 4:50
  higher price. Lathrol Isman cloning such that
• 4:54
  and it's not such that it's and also to say that the payment for
• 4:59
  it is later. So you can you can roll up the
• 5:03
  Agarnatar into the price. Of the item because.
• 5:06
  Who says it's not that price and just say and payment is in in,
• 5:10
  you know in 90? Days, right, So that.
• 5:12
  That the whole transaction that would be what to do.
• 5:15
  Well, Vadshala Yamalo Bufarish, you have to be careful not to
• 5:18
  explicitly say if you give it to me for if if you pay me right
• 5:24
  now, then then the price is $10. Then there's my employment Bude
• 5:28
  base. But you know.
• 5:29
  Well, with the layaway. Plan you only pay in 30.
• 5:31
  Days. Then the price is 12.
• 5:33
  That would be us or. Even in an item.
• 5:35
  Whose rate? Whose price is unknown?
• 5:37
  It's not commonly known. Ayn heta ella, there are.
• 5:44
  Those that say that. Even if you don't say, well pay
• 5:47
  now it's 10, pay later it's. 12. Even if you if you push it off,
• 5:51
  the only way to make it more for an item.
• 5:53
  Whose? Whose?
• 5:54
  Price is not commonly known. It's only if you raise the.
• 5:59
  Price a little bit. Abu Maleo, Harvey, What's?
• 6:04
  What's the role? Aja Nikola College I wish well
• 6:06
  hamtanis amas Hu Malehu where the difference in the price is.
• 6:10
  Clear. It's because you.
• 6:12
  Gave him an extra 30 days, an extra 90.
• 6:13
  Days to pay so. Then the the price indicates.
• 6:18
  That. You're doing it because.
• 6:21
  You're. Extending him credit in a sense
• 6:25
  Javalek and Mafarishva also. So then that would be like as if
• 6:28
  you explain it as if you. Explicitly said that there's two
• 6:31
  prices. And then it's also a common
• 6:34
  situation which I don't know if it falls under this rubric or
• 6:37
  not, but a common situation in stores is to charge one price
• 6:40
  for cash and another price for credit, especially in the United
• 6:43
  States. I don't know if that if any of.
• 6:48
  This applies. To that because.
• 6:51
  There are actually extra. Expenses to the Mofair for using
• 6:55
  the credit card. Is it considered that that even
• 6:58
  when you pay with a credit card, you're paying right away?
• 7:00
  I don't know if that falls under this.
• 7:02
  But but we're. Definitely saying, you know now
• 7:04
  pay now or pay later, which is also common in in in the United
• 7:07
  States. So then we we come to this
• 7:11
  problem. Hagad gavar anim karba Sarah
• 7:15
  ulufa amim kshibam saram lahir nim karbiya days.
• 7:19
  What about something which depends on surge pricing?
• 7:22
  Right, let's say he. Says that the normal price is
• 7:26
  tends to move and when the Sarim come to the city when when the
• 7:29
  officers when the when the fancy people come to town, then the
• 7:33
  prices. Shoot up to 12.
• 7:35
  What would be a situation like that, like a seaside town in in
• 7:40
  the States, when all the New Yorkers come to vacation
• 7:43
  suddenly? The prices shoot up, so there
• 7:46
  could actually. Be seasonal changes in prices so
• 7:50
  then in Regulos borough on in Shaban Hassan leyer motor
• 7:56
  lemofar beard. Base.
• 7:57
  So if it's. Normal for that to happen, so
• 8:01
  then you could. Just say that that's that is the
• 8:03
  actual. Price now.
• 8:04
  Now that. This that this.
• 8:05
  Event has had. Now we're within that time, so
• 8:08
  then the normal. Price is is 12.
• 8:11
  I don't exactly understand what the holla mean is here.
• 8:13
  Right. It's just just talking about it.
• 8:14
  It's. He's not talking about anything
• 8:19
  about about, about it being late.
• 8:23
  It's just like in the case situation where the Sarma there
• 8:27
  can you charge? Well, yeah, of course you can
• 8:29
  charge. Well, maybe.
• 8:32
  OK, Sif Baez Hayelo. Parish and Myrtzela mofam beshok
• 8:39
  leak after man niad mofam boud. If there's a situation that
• 8:44
  you're in town, you could take things to the fair.
• 8:48
  You could do this item that you're selling.
• 8:49
  You could take it to the fair and sell.
• 8:51
  It right away. But it would be at a discount,
• 8:54
  right? So you you have this item you're
• 8:56
  you want to sell. It in the city.
• 8:59
  If you were to take it to the fair, you could sell it for 10
• 9:00
  and it would sell right. Away.
• 9:02
  Then toba osamaalo Catholic knows some Vita namos miad ikna
• 9:06
  osam Bude. Bays.
• 9:08
  Reza Moto, now we have somebody in town, he said.
• 9:10
  Look, I I don't. I don't want to have to wait.
• 9:13
  I want to be able to buy this right now.
• 9:14
  I'll, I'll pay. You 12 for it, so is that also?
• 9:18
  Aguinatar, the answer is no, it's not.
• 9:20
  It's you're you're saying look. If if I were to go to the to the
• 9:23
  fair, I could get it. For cheaper, but I want to buy
• 9:24
  it here and so the. Price actually is 12, so that's
• 9:27
  not has. Nothing to do with.
• 9:30
  You have to be careful to differentiate between variations
• 9:34
  in price because of their natural setting.
• 9:38
  Versus. Are you charging more such that
• 9:41
  you don't have to pay right away?
• 9:43
  Gimel, He's paying more right away.
• 9:47
  Yes, yeah. But if you were if the low calf
• 9:54
  were were to. Take it to somewhere else or the
• 9:57
  Mofar would take it to somewhere else.
• 9:59
  There would be a difference in price, right?
• 10:01
  And there would be a difference in in in time for having.
• 10:03
  To go to that place right so, but.
• 10:08
  We're I think it's really the point here is just to
• 10:10
  differentiate between natural differences in prices.
• 10:14
  Because of the situation. Gemma Moffalo.
• 10:18
  Sora beard base. Amnas la para la ahrazman.
• 10:23
  You you the the deal is the price is 12.
• 10:26
  And the deal also is payment is due.
• 10:30
  A plus. 30 right in in 30. Days that that was.
• 10:34
  That's when you you actually pay me.
• 10:37
  Not that there's a difference in price.
• 10:38
  So. So let's hear it.
• 10:40
  Yafolomolo. Typically Miyad.
• 10:43
  So here is there. Is 1.
• 10:46
  There is only one price, the price.
• 10:47
  Is 12. And payment is due with.
• 10:51
  Is due after 30. You can say look.
• 10:53
  I'll do a special deal. I'll give.
• 10:55
  You a discount if you pay me now.
• 10:57
  So there. It's not like.
• 11:00
  There were two prices. It had you set up two prices.
• 11:02
  That would be awesome. But are you saying?
• 11:04
  If you give me cash right now, again, cash right now in the
• 11:08
  store is very common that you can get, you know, kind of a
• 11:11
  deal. That's what this is kind of
• 11:13
  talking about. If you give me cash right now,
• 11:15
  you can take it right now and we'll, we'll skirt around all
• 11:18
  the, the, the longer times that it takes me to get my money.
• 11:22
  That's OK because there because. The point is, there's only one
• 11:25
  price. The price is 12.
• 11:27
  And and the normal ways of doing businesses do and.
• 11:31
  C + 30 so it's not like the buyer is.
• 11:34
  Lending the money, right, That's right, right.
• 11:37
  And you just give me a more liquid form of payment, right?
• 11:42
  A lot of times people. Do this.
• 11:44
  Yeah, it's a discount. Like like a cash.
• 11:46
  Discount. But a cash?
• 11:49
  Discount in the sense that it's not a.
• 11:50
  Separate prize. It's this.
• 11:53
  This is the prize is what I'm advertising.
• 11:54
  This is what we're talking about.
• 11:55
  This is the deal, but if under the table.
• 11:58
  You manage to give me cash right now.
• 11:59
  OK, You can have this attack. Sorry.
• 12:06
  So he says. That's my Salaga Vedavka Shekhar
• 12:10
  Niigmar Hamekov. Beard based.
• 12:12
  That's he. Already rang it up at 12, right?
• 12:14
  It's been rang up the the price. Was 12 the Zohobo ha Lokaf?
• 12:19
  Kavar and. The Lokaf already lifted it up.
• 12:22
  He already took. Possession of it.
• 12:24
  So bezios bechen. You wanna mortify?
• 12:28
  I will quote Misha Nigmar Hamekov.
• 12:30
  But if before the the sale is. Done.
• 12:34
  So then that's kind of setting up two prices in Mamalo.
• 12:38
  Tiffany Akshavyud should also make.
• 12:41
  Off Osman, good base. If once you.
• 12:43
  Said, OK, if you give me 10, then if you pay right now, then
• 12:49
  the price is 10, right? And it's before.
• 12:51
  The low calf took. Possession.
• 12:53
  So now and the low calf is thinking about it goes no, I
• 12:55
  think I want to go stick. With the 12 that's awesome,
• 12:59
  right? That's awesome, because now you.
• 13:00
  Set up two prices. What was that?
• 13:05
  Probably. Should have also Alfa's man
• 13:08
  you'd base and lo you're it's a low calf.
• 13:14
  If the if the if the low calf. Is is is rejecting?
• 13:20
  The. Cash now for 10, right Dalit
• 13:26
  Michie Schlo, star of Alfavero owe Milva al Pass someone.
• 13:32
  Right with it there's. You know Ruvain lent money to
• 13:36
  Shimon, and Ruvain has a star that says Shimon owes Ruvain
• 13:43
  $100 O milva Alpet. Or even in a situation where
• 13:48
  there is no Shan. But it's it's.
• 13:50
  Just a known loan, Moto la Mojrom la Aferbepafas, right?
• 13:54
  So now the star, it's payable in a year, $100 payable in a year.
• 13:59
  Ruben has the stars of the Shimon owes Ruben $100.
• 14:02
  You can now sell the star, which is worth $100.
• 14:04
  You can sell it for later for 90.
• 14:06
  That's completely, completely allowed.
• 14:09
  But I feel. A little ideas, man of your own,
• 14:13
  even if it's not close to if it's not close.
• 14:16
  To the, the the. Payment time, right?
• 14:18
  So it's only due in another year then?
• 14:20
  Bhumi shum Rivis selling a star at a discount.
• 14:25
  Selling a loan at a discount has no problem with Rivis levaje
• 14:31
  afraisostar Baha milva. Al Halokeaf as.
• 14:36
  Long as the person buying the loan.
• 14:38
  Accepts the risk of the loan right?
• 14:41
  There's always a risk. That what happens if the.
• 14:44
  If the borrower. Can't pay back so the person
• 14:47
  buying the loan is also buying that risk then.
• 14:49
  There's no problem over this. Kigon, Emya Nihalova.
• 14:54
  If the Lova gets poorer, shlo. Yolomos me malathora Yeah, it
• 14:58
  won't have the means to pay back the loan shlo yaza alamovar.
• 15:01
  So now Levy cannot go back to Rouvain and say you.
• 15:08
  Sold me a dud. Security, you sold me a A.
• 15:11
  Stars. For a person who didn't have the
• 15:13
  means to pay it. So now I want you to make it
• 15:16
  good. Can't do that, Al Hamoufair
• 15:23
  allahufrayez Shabba Mahmoud Samoufair.
• 15:25
  Wait, so we're we're in the friendship between normal Arayas
• 15:28
  and and Arayas? Of the Lobo.
• 15:32
  Campaign the Lobo can't pay it back.
• 15:34
  But if the the. Point is, if Levy is not taking
• 15:38
  on the afrayas of the loan itself, so then it ends.
• 15:43
  Up that that the relationship. Between Ruvain and Levy is also
• 15:50
  a loan and we can't have that because then or or even we could
• 15:57
  even say that it's between Levy and Shimon, the original
• 16:00
  borrower and that. He's he's getting a.
• 16:02
  Discount. So it has.
• 16:04
  To be that he they accept the loan as is.
• 16:06
  With with the risks. Of the loan, but.
• 16:10
  Other risks? Let's see here I'm like hai
• 16:13
  Shabba Nahmastanova but normal Mochar level risks Kigon
• 16:18
  Shamanza. Parua or Shotova Balhov.
• 16:21
  Muktam. If.
• 16:24
  The star that that Ruben. Sold to lady actual was already
• 16:30
  paid back there there. Is no.
• 16:32
  There is no real loan backing the Star.
• 16:35
  Right. So then you, you saw these
• 16:36
  subject which isn't real, right? That's.
• 16:39
  Of course he can go back and get his money back, right?
• 16:41
  We're not talking about those kinds of of being able to go
• 16:44
  back to. To to Ruben and.
• 16:46
  Getting your money back, that should be fine.
• 16:48
  Oh Shatar for Balhov Mokdam or if.
• 16:51
  The the Balhov. Yeah.
• 16:59
  What? What?
• 16:59
  What's this case Shatar for Balhov?
• 17:01
  Mokdam not exactly sure what the.
• 17:08
  What case this? Is but the but the point.
• 17:09
  Is that it's? Yeah.
• 17:11
  What's he saying? Yeah, yeah.
• 17:20
  Again that again where where the star wasn't where the.
• 17:23
  Star Folk wasn't. Real.
• 17:24
  In other words, normally star folk could be on on Hassan, and
• 17:29
  then there's there's a shebot on that.
• 17:30
  But what if he went if he and someone else collected on it?
• 17:35
  A situation where there. Is no real claim behind the
• 17:39
  stock that. That's what we're talking about.
• 17:40
  In both cases, we're talking about that.
• 17:42
  There is a lien on it such that you can't such that you can't
• 17:45
  collect. In other words, the original
• 17:46
  star the Reuben sold the lady was uncollectible.
• 17:50
  Right, either because it was already paid back or the the the
• 17:54
  car car that. That it was meshuba.
• 17:55
  Two, it was actually. There was an earlier lien on it.
• 17:59
  Stuff like that. And so Sheila?
• 18:01
  Lukov that. Doesn't have to be that.
• 18:03
  The person that Levy. Buying the star accepts that
• 18:07
  kind of that kind of a prize no that that kind of a prize you
• 18:11
  know charlatan level Aphraius can remain by by Ruben that
• 18:15
  doesn't affect as to. Whether there's rib is.
• 18:16
  Here or not then Yezhbi Anamo from Moshkin Sholei.
• 18:20
  What happens again? Ruben lent money to Shimon and
• 18:24
  and accepted a Moshkin motto La mahalo ka.
• 18:28
  He can now sell this mashkin. Straight out sell it out.
• 18:33
  Mithen Motors. Yavtifeno Mahalova.
• 18:36
  But Arvas. Obamashkin.
• 18:38
  It's also mutter. That the lova will will.
• 18:44
  Promise to pay back with with an Arivor with a mashkin then.
• 18:49
  Avar. The Qiba Lovamov Akraias, it's
• 18:52
  now a kind and we said that it has to be that when the when the
• 18:55
  mohair. I'm sorry when the.
• 18:57
  Mohar sells Amashkinor sells a a loan that the aphrais is on the
• 19:06
  person buying it. What?
• 19:09
  Happens if the Mohar accepted the Aphrais on himself and it
• 19:12
  was the wrong thing to do, he did it.
• 19:14
  So then we say it's now a kind. That it it works.
• 19:21
  Then any. Of the Kabul Hovo.
• 19:23
  Masa Loma also and if he and even in a situation where if the
• 19:27
  if you can't now collect the Hove and the the lady can't
• 19:32
  collect the Hove and the situation where reuven wrongly.
• 19:36
  Accepted the Afrias. He can even go back and and now
• 19:40
  get everything back from from from Reuven.
• 19:42
  And now it's it's it's Reuven's problem to go collect on it.
• 19:46
  Muslim Mosad and that that that would stand in court then yezh
• 19:50
  boreva EE la moschar. But if there would.
• 19:53
  Be a difference in price because now it's it's all being undone.
• 19:58
  So as long as the profits go to to to the moschar khushem
• 20:01
  shahala moschar la author bepophos.
• 20:04
  Just. Like Reuven could sell this loan
• 20:08
  to Levy at a discounted rate. Kaka Hollomochololova by Osmo.
• 20:14
  He could also sell the loan or or the mashkin, he could sell it
• 20:17
  back to the original lender. He could send it.
• 20:19
  Back, sell it back to to. To Shimon, now in a normal.
• 20:21
  Case of of. A loan we're.
• 20:24
  Always worried about that the. The lender will pay more.
• 20:30
  Back to the I'm sorry that the borrower.
• 20:35
  Will pay more back to the lender.
• 20:37
  This is situation where. The borrower is paying.
• 20:41
  Less back to the to the lender. OK, he he here.
• 20:46
  Here's the loan. It's due.
• 20:47
  And you know, I lent you $100 due in a year.
• 20:50
  Oh, the the person I'm gonna get out.
• 20:52
  I I need cash back? I'll sell you.
• 20:54
  Back this loan that you owe to me for only $90.00 and then then
• 20:58
  we'll be done. There's no reason why why why
• 21:01
  you can't do that. OK, Haga.
• 21:05
  Now the only difference is this. The reason is because anybody
• 21:09
  else would then hold it till the end of the year and then get
• 21:12
  Levy would get it from from Shimon would would collect $100
• 21:16
  at the end of the year. In the case where.
• 21:18
  Levy is where Levy is. Shimon right, there is no $100
• 21:23
  at the end of the. Year the, the the.
• 21:24
  The loan would end up ending at that point, right?
• 21:28
  But the mechanics. Of it is because of this and so
• 21:31
  it works Hagar. Asala adenom la havaro.
• 21:35
  Hey, Lafa. Asardinian.
• 21:40
  What's that word Taran? Ustarani Mimashini 5 you based
• 21:45
  in Lukloni. Ufatrani Yeah.
• 21:49
  Mimashini 5 you based in Lukloni?
• 21:51
  I'll give you. 10 dinner and if you can get.
• 21:57
  Rid of this of this Hove that I have to pay 12 to somebody.
• 22:03
  Else to somebody else. Yes.
• 22:06
  Where the thinking is that that that. 12 is like a tax or.
• 22:12
  Some kind of government? Fiat where you?
• 22:15
  You have to come up with the money.
• 22:17
  Right, I forgot. The Escher Scheiftar asmo be
• 22:19
  Yudhinran, even if he. Would also let's say.
• 22:22
  Pay off the person collecting it with Yudhinran.
• 22:25
  He could. He could do it himself, but
• 22:27
  after Shakayev. But after Shakayev based.
• 22:31
  Dhinran it's only where he there is an actual fee of.
• 22:34
  Of of of 12. So if you paid, if you paid the
• 22:38
  guy off. Yourself with only 10 great, you
• 22:40
  got out of paying 12 but if you pay someone else here's 10 you
• 22:45
  get rid of my. Hope for 12 SO.
• 22:47
  Then in a sense, you're you're you're doing.
• 22:52
  Rivas because that other. Person is assuming.
• 22:57
  Your loan. To the other person.
• 23:00
  And why isn't it like he's buying it for a discount?
• 23:05
  Why should this? Be us, Sir.
• 23:07
  Well, he's selling it. Selling it as Monta, selling for
• 23:10
  a discount rate. We just saw this Monta.
• 23:12
  So what's the what's the issue here?
• 23:14
  Well, does. That seem sort of like take 22,
• 23:18
  take two more ginger out of your pocket to cover me.
• 23:22
  And why isn't, I'm guessing, come from Montana?
• 23:28
  Paying less back. Is never a problem.
• 23:30
  Left for this. It's always paying more back.
• 23:32
  Which is a problem. Right, even if you're saying if
• 23:35
  you get rid of my my loan, so you're, you know, I'm you're
• 23:39
  going to pay. 12 and you you're lending.
• 23:41
  Me 12, then I'm going to pay back 10.
• 23:44
  That's never a problem with. Ribas, I am moving 12.
• 23:47
  Yeah, I say to you, here's. 10/10.
• 23:51
  Do me a favor, pay in 12. Yeah, that's.
• 23:55
  Not a problem that. Is it?
• 23:58
  Sounds like the case, but. It the point is that he's not
• 24:01
  he's not. Pay him 12 somehow get rid of.
• 24:04
  This this 12, it could be you could pay him. 12 it could be
• 24:07
  you pay him off to do 12 with only ten.
• 24:11
  Maybe I'll only give him 10. Give the 12 right?
• 24:14
  Right. So why thus?
• 24:15
  I'm not really sure. I've got the the extra shift to
• 24:19
  ansmobutan the dafkish 5 you'd based.
• 24:21
  Didn't I will in a hired elish Enough Yatil Allah, he's not yet
• 24:25
  fired. But there will be a charge of
• 24:28
  12. Channel.
• 24:31
  If you have to. Allow omnus that you have to you
• 24:33
  know, you have to pay in your in your trade or something,
• 24:37
  something like that and sharp and Amy Dinaso the.
• 24:40
  Odd. You'd based in which would be
• 24:42
  worth 12 dinrin, so in OMERSH. Call Alai.
• 24:46
  Lo Omnus ASA Alan Omar Maltani Min Omnus Motor.
• 24:53
  If you just say, you know. Pay it off for me and I'll pay
• 24:57
  you back with omness. That's that's a problem.
• 25:00
  But if? It just says save me from having
• 25:02
  to to do this omness that's my time the only.
• 25:05
  If I have to sell the puff is. Because maybe you can buy more
• 25:07
  for. Less we'll stop here.