Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 173:7-9. Interest: Discount For Cash Now With a Later Delivery, Higher Price For Installments; Futures

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Yoreh De’ah 173:7-9. Interest: Discount For Cash Now With a Later Delivery, Higher Price For Installments; Futures · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:04
  OK, good morning. We are inclined, you know, save
• 0:07
  Zion inclined daughter Shashava. Your days video.
• 0:12
  Someone buy something that's usually worth your days for you.
• 0:18
  So in the general case, you'd say the guy's giving him a
• 0:20
  discount, right? OK, you know what's wrong?
• 0:23
  There's nothing wrong with someone giving a discount.
• 0:25
  However, Bish Veal should mark the Hummels in order that that
• 0:32
  he should give him money now and get the merchandise at a later
• 0:36
  point. If the maker has it in his in
• 0:44
  stock or his warehouse, whatever, or his warehouses
• 0:52
  across town, whatever it is, that's that's OK.
• 0:58
  The aim Anam Bershu side, but if he let's say he has to go buy it
• 1:03
  from from from the you know, from the wholesaler, he has to
• 1:09
  order it in from the manufacturer, things like that.
• 1:13
  Or he has to get it from a different from not just across
• 1:16
  town, like simple access. He has to get from a different
• 1:18
  city, different whatever it is shipped in things like that.
• 1:21
  When he shipped in a could be a Shyla.
• 1:23
  I'm not sure anymore, but Afilo yeh Somi Ozil Davar, even if he
• 1:30
  has this thing, whatever it is, let's say he has things and you
• 1:34
  know which are you know, he has to do a video, like I said, or
• 1:37
  he has to buy from the you know, it's easy to buy from someone,
• 1:40
  whatever then that's going to be that's going to be ulcer because
• 1:45
  he's giving him. It's basically it's he's giving
• 1:48
  the who's the model, who's the model, who's the labor.
• 1:50
  The Malva is the buyer and he's lending the guy money because
• 1:53
  he's not getting merchandise right away.
• 1:57
  He's lending him, you know, he's, you know, he's key lending
• 2:01
  him. You would in order that the guy
• 2:04
  should have, should have, should have the have the money now, the
• 2:07
  mortgage, have the money now and then he'll get the merchandise
• 2:10
  later. And the extra 2, the extra 2
• 2:15
  really it's shoving your base. So therefore, so we'll get,
• 2:22
  we'll get there, we'll get there, we'll get there in a
• 2:24
  second. Right.
• 2:30
  So the price in the stores, the price in the stores, this is
• 2:35
  what we're going to get to is it's a case of the Shiloh.
• 2:37
  This is the case of Yotsawa Shar, where this is a case of
• 2:40
  something has a set price, right, Which nowadays is less
• 2:44
  common, you know, nowadays is less common, you know, But so
• 2:50
  therefore it objectively in the show, it's worth.
• 2:57
  Yeah, No, no, I could have put it might also be that let's say,
• 3:01
  you know, that there's a there's a manufacturer's price of, of
• 3:05
  this. And and that's generally fine.
• 3:07
  Everyone gives a little bit. There's a little bit less.
• 3:10
  But Uncle Pon him, it's not. Let's say the guy gives him,
• 3:14
  gives him give me cash now I'll give you a third off.
• 3:18
  Yeah, we're talking something like that generally go around
• 3:20
  everywhere, you know, within a certain range thinking this is a
• 3:24
  sale, not talking about the sale.
• 3:25
  This is a certain range of prices.
• 3:28
  And this guy says, OK, listen, I'll give you a third off if you
• 3:30
  give me the cash. Now I got the name on America
• 3:36
  and the maker in general He's he's them on to say because
• 3:41
  again, Ross is in numerous places is a Hazaka.
• 3:45
  People are going to do things via Sir unless, you know, the
• 3:48
  guy is a horshed, you know, maybe the guy has no clue.
• 3:54
  He's clueless when it comes to these halakhos.
• 3:55
  So therefore could be there. It's cautious, you know it's
• 3:58
  cautious. You know, do you have any you
• 4:00
  know what you're talking about? Of course I haven't.
• 4:02
  I haven't means OK, Yeah, I'm going to ship it in.
• 4:04
  What do you mean? I can get I can get it.
• 4:05
  You know, I'll get it, whatever. So that it's also could be, you
• 4:10
  know, the monster because you know, you know, you know, super
• 4:12
  far. Those are the Shari a little bit
• 4:15
  stop. And this is only motor Yeh schlo
• 4:21
  is only motor bustab because what's, what's the hector of yeh
• 4:25
  schlo is basically the guy's making a Kenyan.
• 4:28
  It turns it into a Mahira. It's not a hava, it's a it's a
• 4:31
  Mahira. He he's making a Kenyan right
• 4:34
  now. Even though they say malls, you
• 4:37
  know, money doesn't claim it, but OK, it is some sort of
• 4:41
  Kenyan which is called on the on the, on the merchandise.
• 4:45
  And therefore, and therefore it's you know, it's it's it's
• 4:50
  going to be and then it's just like a straight Bahira.
• 4:53
  However the remote says the Hosal Shahi Ella bustop about
• 4:56
  Emma Farish Lamar Antitan Li Akshav de la puppy.
• 5:00
  You wrote of Emma Akersman, but you Bae's also if he speaks out
• 5:04
  two prices, then it's going to be awesome.
• 5:07
  Now there's a thing in there's a lot of in thing in this country
• 5:10
  often that that guy says, listen, if you're paying cash,
• 5:16
  you know, or if you pay right now credit card, everything at
• 5:19
  once, it's going to be, you know, it's going, it's going to
• 5:22
  be I'll give it to you for 1000. If you if you go ahead and pay
• 5:27
  in, you pay and you do it in payments, it's going to be it's
• 5:31
  going to be, you know, 1500, whatever.
• 5:33
  And he speaks out the two prices.
• 5:35
  Often they advertise these things.
• 5:36
  They advertise that you know, it's you know, one payment is is
• 5:42
  this is 1000 and you pay but Tasha Lane and it's going to be
• 5:46
  the 36 Tasha Lane. But the price is this so many,
• 5:51
  many play scheme, although that's that's probably that's
• 5:53
  Ribis. It's a straight problem.
• 5:55
  It's a straight problem. It's a straight problem of
• 5:58
  Ribbus because he wants you to give him the money right now.
• 6:01
  He wants to have the money now in his hand, not just, you know,
• 6:05
  Ratasha Llewim or if you can't pay cash now and pay cash right
• 6:10
  now and whatever he wants you to, you know, he wants, you
• 6:14
  know, he prefer having the money right now.
• 6:17
  So then you know, the, the fact that you know that you're giving
• 6:21
  of Ratasha Llewim is he charges you more for that.
• 6:25
  Now, if there's some sort of processing fee and he's charging
• 6:27
  more, that's OK. That's, that's fine.
• 6:32
  So, so The thing is the way, the way it works is that if you get
• 6:40
  the thing, if he so if he says 2 prices, it means, because I'll
• 6:44
  say that the, the real price is the lower 1.
• 6:49
  And so if you get into a situation, well, that of that
• 6:52
  truth is that you don't want to avoid ribbits.
• 6:54
  You really have to you really shouldn't.
• 6:56
  You should buy, you shouldn't do and you should pay the lower
• 6:58
  price because the lower price is the actual price.
• 7:01
  It's natural the actual price and the extra 2 in this case is
• 7:07
  because of your baking and wait, wait to get the money.
• 7:10
  You're you know, you're you know, you're waiting, you're
• 7:12
  waiting on it. So therefore, therefore it's it
• 7:16
  would be it's going to be problematic.
• 7:17
  The whole zebra Davar Sushimasu, you dua again, this is time on
• 7:21
  something which everyone knows the price for of aim ain't
• 7:24
  Shimasu you dua. But if it's not something like
• 7:27
  the the the Moker himself has conveyed the price and no one
• 7:31
  like no one can go ahead and tell you like, yeah, this is
• 7:34
  worth this. You know, I feel ain't I feel
• 7:37
  ain't little Shari, even if he doesn't have it at all.
• 7:40
  It's mutter even by Befarish too already He's Speaking of it's 9
• 7:50
  which makes it into which is is is is Nasha rib is Nashaf Karib
• 7:55
  is saying this is their actual price and you're paying me more
• 7:58
  to, you know, to to pay later, as in this case, when he get you
• 8:04
  know, let's let's say it's a case in the store and he is
• 8:07
  like, but he gets the merchandise right away.
• 8:10
  So then in that case, the Mario cartoons into the into the
• 8:12
  marvel. He's lending him the fridge,
• 8:15
  Let's say, right, he doesn't pay now he finishes paying, you
• 8:19
  know, and and in two years. So then he's the guy's paying
• 8:24
  him that extra to let him finish paying over 2 years.
• 8:30
  So it's not like the case of the Mohabbar is a case where the,
• 8:34
  where the, the lookaf is, is the, he doesn't get the
• 8:37
  merchandise right away. So the lookaf is the, is the
• 8:40
  Malva. But in a case where it's a, he
• 8:42
  gives the, the merchandise right away, He gives the fridge, gives
• 8:45
  them the fridge right away. And for Tash Lumaim to pay off
• 8:48
  overtime. So now the now he becomes the
• 8:51
  Malva because he, he didn't get the money for the, for the
• 8:53
  fridge, he'll pay him overtime. So that extra.
• 8:57
  So that's that's going to be Ribis.
• 9:00
  Is not only who's the mall and who's the low?
• 9:03
  Level, but also. Which of the prices the higher
• 9:05
  one and the lower one? Is it user to do?
• 9:09
  Right. So it seems the higher one,
• 9:10
  well, the higher, right, the higher one, which is going to
• 9:12
  be, which is going to be else. And now the now there's a lot of
• 9:18
  hulking on the remote ties and a lot of, you know, there's a lot
• 9:24
  of a lot of hulking on the remote.
• 9:26
  And they say that, but wait a second, they say that.
• 9:32
  What do you mean ain't though? The whole the whole point of the
• 9:36
  Hector is that he's making a Canyon kilo.
• 9:41
  He's been back to him the merchandise into the fridge
• 9:45
  right now. So it's a straight Makira.
• 9:47
  How can you say even ain't though, as long as I'm a fire
• 9:50
  shit, even if it's ancient muscle, you do a it works.
• 9:53
  How does that work? How does it's it's still going
• 9:55
  to be a problem. So, so the the the the other
• 10:03
  other place can say that that the the the the shot over here,
• 10:08
  I think they'll call the Staffs also the shot over here is that
• 10:14
  shot in the Ramallah in the Ramallah and it's also been
• 10:16
  Joseph in the incephalif is that the whole problem is being
• 10:19
  mafarish. The problem is not it's not so
• 10:24
  much the Kenya and the Makira. There's billions of Makira,
• 10:27
  right. Just goes all over guys there
• 10:29
  we're we're going there that it's it's a ton of smalls.
• 10:33
  It's like it's like grievous Derek Bjira.
• 10:36
  That's only if it's actually two prices and he actually sets 2
• 10:41
  prices and it's very bore that he is giving more to to to pay
• 10:46
  later. But it's something which is
• 10:48
  intra muscle. You do up something that he can
• 10:51
  give him, you know, he can give him money at A at a later way.
• 10:55
  The the Baragolo explains. Is that something like a cow?
• 10:58
  I'd say it's a used car or something like that where it got
• 11:01
  any he could, he could decide. Listen, you know, I'll give it
• 11:03
  to you for this, give it to you for that.
• 11:04
  Even though there's, you know, there's suggested prices, but
• 11:08
  that doesn't mean anything. So then it doesn't.
• 11:11
  There's no ribbons there. Bachlaw, because because he can
• 11:15
  decide at the end, you know, I'll give you a well, OK, a car.
• 11:18
  I don't know. It's a cow the way they give you
• 11:20
  a different cow, which is, which is worth and there's no, there's
• 11:23
  no shock of it going up or down or, you know, around.
• 11:27
  It's just a Makira that I'll give it.
• 11:29
  I'll give you what I want. You know, I we'll work it out
• 11:31
  later. So that's Makira.
• 11:33
  That's fine. The, the, the intra must you do.
• 11:35
  I mean, now it means later too, something which, like I said,
• 11:40
  something which generally, if you like, you know, you go to a
• 11:43
  store, you check on. So you check online, you check
• 11:45
  all the stores. Things are unless it's a sale,
• 11:47
  things are bigger though the same, the same price.
• 11:51
  So, so that, that, so in that those cases it would be, it
• 11:55
  would be Shumasi Udo. He asked me how much is his
• 11:57
  printer. You know, this type of printer
• 11:59
  IS300. You know, it's $350.00,
• 12:02
  whatever, you know, Paco Seiyosi, you know how much it
• 12:05
  is. But something which is like I
• 12:07
  said, a car, you know, things, you know, you stuff you know,
• 12:12
  or, or the guy you know, you know, you know, it's, you know.
• 12:15
  So then that's going to be, you know, that that would be that
• 12:19
  would be that would be an issue, even though sometimes even fruit
• 12:22
  and things go to the shook and I don't know, sometimes you go get
• 12:25
  nectarines here and one place there, then it's like 20
• 12:28
  shackles. One place it's like 12 shekels
• 12:30
  like you know, you know. So then also that could be like,
• 12:33
  you know, and the guy will give you, you know, that that then
• 12:37
  could be it's hard to know exactly because you get there.
• 12:40
  Every store has a different different half a different
• 12:42
  price. That could be it's a bit
• 12:43
  different as well. The the last thing that last
• 12:47
  Hector the that there is is is who says that?
• 12:52
  I mean, he says that if you know, if it it it it that it
• 12:57
  could be if if it's clear that he's giving a discount, it's
• 13:01
  clear that the the case over here is that he's really the
• 13:04
  price is the higher price, but he's giving you he's giving you
• 13:07
  a a discount to pay. Now he's also he's also making
• 13:11
  in that case. Most posts give art maker, art
• 13:15
  maker like that, like the haka Saddam, you know, because they,
• 13:19
  they say that, you know, they, they, they're, they're because
• 13:22
  it's that it's against it's, you know, begins.
• 13:27
  So they don't rely on it. But the haka Saddam is there a
• 13:29
  person has to ask, you know, who's on the childhood, what you
• 13:32
  know, who knows how we should be knowing.
• 13:35
  But with Uncle Punny, that's what he says.
• 13:38
  He says if it's clear he's giving a discount then then that
• 13:41
  would be that would be OK Hess. I'm acting the ball.
• 13:46
  The discount for cash versus a credit card, does that go under
• 13:50
  this? Also, yeah, that will fall.
• 13:51
  That will fall on this if. The credit card as far as to
• 13:55
  look at is. Concerned he's paying it right
• 13:57
  OK, but that's that as far as he's concerned is a concern that
• 14:00
  that that doesn't make it I mean it's paying off yeah, he yes he
• 14:03
  swiped the card and it comes off right away but the Booker
• 14:07
  doesn't get the money doesn't get the final money if he
• 14:11
  stopped let's say he stopped the payments in the middle the guys
• 14:13
  going to come to it like what are you doing so he didn't pay
• 14:16
  so but you know credit and cash right but if he says crediting
• 14:26
  credit and cash anyways with credit, he doesn't get the money
• 14:29
  and I don't get the money right away.
• 14:31
  I don't know if he gets the money right away in his account
• 14:34
  or the credit card. I don't know how it works Credit
• 14:37
  if he if he gets it basically right away right, right, right.
• 14:43
  You know, you're financing it, whatever you know, touch it
• 14:46
  here, here in America, it's called financing.
• 14:49
  You know, you know, so it depends on what they finance.
• 14:55
  He hasn't discussed that he has to has a macti in the bottle of
• 15:00
  Gina. Most de may essa Delu someone
• 15:04
  goes to goes to a farmer and you know, the vegetable grower and
• 15:08
  he says, listen, you know, he sees there's pump, there's like,
• 15:12
  you know, watermelon pumpkins growing.
• 15:13
  They're Delu are squash type of squash, probably more not the
• 15:20
  not the the last they have here. The the last they have here.
• 15:23
  The Deluan they had then was so more like a gourd or things like
• 15:27
  that. The the all the squash Reno was
• 15:30
  discovered in America. So just because you know, so
• 15:34
  anyway, but it's called deluxe. You know, gourds grow very huge.
• 15:38
  I say it's a watermelon, whatever you want to say.
• 15:41
  He says, listen, I'm going to give you I'm going to give you a
• 15:44
  certain amount. Now it's cheaper because he's
• 15:46
  you know there's no market yet because it's growing.
• 15:49
  Ayushi them location, they ammo Bazzills.
• 15:52
  I'll give you a cheap price. Now when they grow and they grow
• 15:55
  full grown, I'll give you money and then you'll give them to me.
• 15:58
  I'll be shot to Benaziris bazzills motor because ho Mamela
• 16:04
  Karabu for global sounds. It's not like he's giving him
• 16:07
  more. You know, he's giving us two
• 16:09
  prices and he's giving you more later on.
• 16:12
  Since the the Co-op of the deal is here right now, this thing is
• 16:15
  going to grow to Nama. I mean there is a little bit of
• 16:19
  risk also, you know, who knows, But but the Co-op is there.
• 16:23
  So he's made he's buying this thing with the pat with with the
• 16:27
  Co-op to get with the with the pat with the intrinsic, you
• 16:31
  know, ability to get to get bigger.
• 16:34
  And so therefore it is. Therefore it's going to be
• 16:37
  motor, not. Not so clear to say it's always
• 16:41
  10 for Zeus. Wasn't the matter the size it it
• 16:44
  doesn't it's. Not no, no, no, you you buy it.
• 16:48
  Let's say it's a watermelon, right.
• 16:49
  So if you you want to get a full grown watermelon, you have to
• 16:52
  pay 3030. Let's say you have to pay 30
• 16:54
  shackle, let's say here, right, I'd say that's the price.
• 16:59
  And so it's, you know, so, so he says, listen, he goes to the he
• 17:03
  goes, listen that that watermelon and it's the size of
• 17:07
  Azaris right now. It just started blooming and it
• 17:09
  just started coming out. I'll pay you, I'll pay you 5
• 17:12
  shackles for it, right? And then when it grows full
• 17:16
  grown, you'll just, you'll give it to me, you know, right now,
• 17:19
  I'll give you money right now. Take money right now.
• 17:22
  So he gets money right now. And for the fact that when it
• 17:25
  gets big, when it gets big, we'll give.
• 17:26
  It to him. Back in the Bella Gina most the
• 17:36
  May s s fine OK, right, OK, I said the case doesn't make sense
• 17:43
  here. He's talking about 10 to Lewin
• 17:46
  and right now, you know right now he's giving him money for
• 17:50
  10/10 to Lewin, but they're all the size of their size of a
• 17:54
  thumb. The amount I said about one the
• 17:57
  case yeah, the case in the Gemara was he's doing a business
• 17:59
  deal. Whatever right then they can
• 18:05
  don't can eat them right, right. It just means like it gives them
• 18:07
  like a dollar. You know whatever no, the how
• 18:13
  you can because it's like Mati most if we had before the guys
• 18:16
  getting money now right the the farmers getting money right now
• 18:21
  in order the risk. So that's the thing about the
• 18:27
  risk No. So I'll explain what the issue
• 18:29
  if we get put the risk, put the risk on the side for a second.
• 18:33
  The, the, the, let's say, but you know the price because he's
• 18:37
  giving him, he's giving him back the, the farmers giving him back
• 18:41
  a watermelon, which is going to be worth 30.
• 18:43
  He gave him, he gave him money. Now he's not getting the
• 18:46
  merchandise right now and he's getting back, right?
• 18:51
  So, but here, right. So here it's basically it's he's
• 18:53
  lending the farmer, you know, those right now to get to get a
• 19:00
  watermelon, which is worth 30, you know, let's say 30s, you
• 19:04
  know, and that right, right, right.
• 19:10
  That's. OK, because, because because
• 19:14
  it's what it's really he's paying us those for these for
• 19:17
  this let's say watermelon. Because the fact that he's not
• 19:21
  giving him extra fact that it's worth 30 when he gets it doesn't
• 19:25
  make a difference because because he's he was like that
• 19:29
  before legation, though he was courting the merchandise right
• 19:31
  now, even though it's anal, he doesn't have a full grown
• 19:34
  watermelon. But since right now this has the
• 19:38
  cough inside it to grow to a full grown watermelon.
• 19:41
  So it's he's buying this watermelon right now, even
• 19:44
  though it's small. But does so does he have to say
• 19:47
  this? Watermelon or he's just say 10.
• 19:49
  Oh yeah, I don't yeah, I guess which I did he have to.
• 19:52
  They're all small. You know, there's a 10, though.
• 19:55
  It's a whole crop. They're all they're all just
• 19:57
  growing right now. Yeah, whatever.
• 19:58
  We. We.
• 19:59
  Take care of. The problem of right and test
• 20:05
  how like lock live Izov league Zoe's Rachelov someone who is
• 20:12
  going to milk milk, milk milk as animals or to shear the sheep
• 20:17
  lure those converter or to take the honey from the from the
• 20:21
  beehive armor of Javier Ma. She easy hobos Masha Racheli
• 20:26
  grazes the milk or the OR the wall Bashi Kivarti Raider.
• 20:33
  No, What what what they get from the honey.
• 20:39
  I'm selling you, you know this much for this much money and
• 20:42
  Mosul, Gabe, and then you give them a cheaper price If she
• 20:45
  walked on us a most you know, listen, give it to me now and I
• 20:48
  will see and I'll send it, you know, give it to me a cheap
• 20:50
  price now because I don't know how much how much milk is going
• 20:53
  to be. Yeah, I can't I'll give you a
• 20:55
  I'll say you know, Kilo. I hope to get this amount you'll
• 20:57
  pay for this amount, but I don't know how much it's going to be
• 21:00
  also. Yeah, this is future.
• 21:02
  This is also Hello. I'm a little Komashi easy Kovo
• 21:05
  Komashi easy Kovos. He says anything that I my milk
• 21:10
  work. He looks like he's like right
• 21:12
  there. Hey, hey, Rob.
• 21:15
  Hey, man, he just OK, he's getting in risk.
• 21:17
  The guy says, yeah, I'm I'm paying for this certain amount,
• 21:20
  right, But he says he's going to get whatever, you know, whatever
• 21:23
  comes outcomes out motor shoot car of the Hassid car, because
• 21:29
  if he pay if he tells them so I'm paying you now I'm giving
• 21:31
  you money. Now.
• 21:32
  This is the guy's like, listen, I'm desperate to get some money
• 21:35
  and fine, I'll pay you. Now you're going to have to get
• 21:37
  me this amount. So you know, even if the even if
• 21:40
  the if he doesn't get that much milk from from these easy if
• 21:42
  he's got to go to the store, I don't know, somehow get the
• 21:45
  honey to match to match. The guy doesn't lose out.
• 21:48
  So then it's a straight it's it's actually of a loan.
• 21:50
  And it's also, however, if he's taking a risk and it's actually
• 21:53
  of a Mahira, therefore it's going to be it's going to be
• 21:58
  motor. Yeah, push through yield, but
• 22:02
  it's still also comp a bit of a complicated case.