Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 161:8-162:1. Interest: Refunding Interest, Repayment of the Loan; Borrowing Food, Items, or Foreign Currency

Transcript

Yoreh De’ah 161:8-162:1. Interest: Refunding Interest, Repayment of the Loan; Borrowing Food, Items, or Foreign Currency · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:04
  Good morning. Whatever, let's just start.
• 0:10
  We're in Sumacusa Misha Hyanasia, the Carvero dinner
• 0:18
  show, Rivas, the Nasalovich Vilo Hamesh Medal Shakiti.
• 0:24
  We're discussing here about Hazaras.
• 0:27
  Rivas is on talk so someone borrowed a dinner he gave him He
• 0:36
  gave him five measurements of Kitim Brandon current downloaded
• 0:40
  the dinner and download me though is worth a dinner so he
• 0:44
  gave him an extra meter of Kita. Sorry, the Hafsilo Hamish, he
• 0:52
  has to give back even though, because that's what he gave him,
• 0:59
  even though he could say, well, you know, why should I give it
• 1:02
  all that back? It should be just just one me
• 1:05
  the the extra. But because because the whole
• 1:10
  because it's the whole thing is is, you know, with Nikola with
• 1:14
  ribbon. So therefore he has to give the
• 1:17
  whole thing back. He wrote the Lahasilo to mayhem
• 1:21
  if he wants to instead return money, Dinar and Dinar Vivia
• 1:26
  Rashad if you just want if you'd rather give back money, then
• 1:28
  that's OK to give a dinar via return.
• 1:31
  The whole the whole loan Shameka Kayan.
• 1:34
  The emesis is that if he wants to keep the the wheat and give
• 1:38
  him back money and turn the whole thing into a Mecca.
• 1:41
  So that's OK because the Mecca has Kayan.
• 1:43
  The the thing with Ribis is that you know, all these things.
• 1:46
  I mean, generally Miza rice of most of the the deals are
• 1:50
  cayenne. It's just the coming or were you
• 1:54
  know, they we'll see. There are the different deals
• 1:56
  which they asked in different things, but the mecha is
• 1:59
  cayenne. I will be should not say the
• 2:01
  isser, but still we'll see this eye in the comments simplify and
• 2:05
  hey, when there when deals are made, the isser, you know the
• 2:10
  you know when when they're Kahala, but here here they're
• 2:14
  Kahala. It's considered a mecha and he
• 2:16
  can give them the idea. Has to give back money.
• 2:19
  Why can't he just get that? One that's the whole, the whole
• 2:23
  the whole did he get? Everything is is 1 is in one.
• 2:25
  One is in one lump. Right.
• 2:36
  Right. The original deal was a loan he
• 2:38
  paid him back with Shabak Kessif that was that was that was the
• 2:43
  thing. There's a Mahogan's Vishane in
• 2:53
  the weather. He how much is she?
• 2:54
  He has to give back, but he whatever.
• 3:03
  I didn't go into the Kumar so much, but the the the the mother
• 3:10
  has to give the laser back has to return the rivers, right.
• 3:13
  So the question is, is the after return just the extra meda of of
• 3:17
  Quita he has to give him? He gave him five, I don't know,
• 3:22
  5 bushels of wheat instead and four bushels of wheat are worth
• 3:27
  of dinner and he gave him 5. So he paid him ribbits and he.
• 3:30
  Gave even more than he needed to.
• 3:32
  Get yeah of. Of.
• 3:34
  Ribbits No, no, no, no, no. The no.
• 3:42
  As far as I know, no, no. He lent him a dinner and he
• 3:45
  paid. No.
• 3:46
  Maybe this? Is the case, but who gave you
• 3:51
  what? Yeah, and and my ring.
• 3:53
  Of this is. The the mom and the logo agreed
• 3:56
  that that whatever the loan was would've been 100.
• 3:58
  But there's going to be 1 dinner of with this and instead of
• 4:02
  giving just the witness aspect of the dinner, he gave 5 meters
• 4:08
  of the kita where he should have really given 4 minutes of kita
• 4:10
  if he was supposed to pay ribas at all.
• 4:12
  Now the point is that the ribas is US and the Tora you have to
• 4:15
  bet the ribas. But he overpaid the Ribas.
• 4:18
  So and. How does he pay that?
• 4:22
  He could just give a dinner and a quarter, but or he could give
• 4:26
  that the five, the 5 minutes that that work that was paid.
• 4:31
  You want to say, OK, but I didn't share with this that
• 4:42
  could that could be Yeah, I guess that I guess that doesn't
• 4:56
  make a lot of sense here because it seems like it seems like to
• 5:03
  be sure you understand that in front of me that that the
• 5:08
  summation of holy just have to give back 11 zoos or 11 meter
• 5:14
  heater that's it doesn't get back all dollars even without a
• 5:20
  Mecca. The whole question is.
• 5:22
  On the. 5th right he. Agreed to pay a dinner of
• 5:33
  ribbons correct That's why the mother was even paid and you
• 5:37
  paid the business yes instead of leaving him four he gave him 5
• 5:43
  right it's all yes it's all awesome yes.
• 5:47
  So now the mother has to get has to pay it back but what was cut
• 5:51
  so it's was one dinner. What was actually paid was 4 was
• 5:55
  55 parts a week. So you have to get back a dinner
• 5:59
  and a quarter OR which is worth 5.
• 6:03
  Right, OK. Or the question is the so
• 6:06
  there's two questions. 11 The thing is, it's sort of like a
• 6:08
  Mecca over here. So the question is number 1 is
• 6:12
  how much does he have to give? Since it's sort of like a Mecca.
• 6:15
  So the the so the the he has to so he says he has to give back
• 6:20
  the whole, the whole deal falls apart.
• 6:22
  Meaning he gave him all the wheat.
• 6:24
  So then all the wheat is one. Well, you know, you think just
• 6:27
  get back the ribbon. So some say because he was net
• 6:29
  the whole thing, he's done it from the whole thing.
• 6:31
  It's a Mecca and he's then from the whole thing or so they're
• 6:38
  all they're all considered 11 group.
• 6:41
  It's like 1 Mecca. That's why in the end it says
• 6:44
  that he wants to give the money back and Mecca is kind.
• 6:47
  So you know, if he wants to give, give back the wheat,
• 6:50
  meaning he's been avatal this quote UN quote.
• 6:52
  Mecca made the rivets into some sort of in some sort of into
• 6:56
  some sort of business deal. So then suddenly he has to give,
• 6:59
  he has to give everything back. But if he wants to give money
• 7:01
  back, he's he's allowed to keep it.
• 7:05
  He's allowed to keep the wheat, meaning he has to, meaning the
• 7:07
  whole, all the money has to go back because it's all considered
• 7:11
  one deal. It's all considered what you
• 7:13
  split it up. It's considered one deal.
• 7:16
  You know, one Mecca. But the mice of the Mecca is
• 7:19
  Kayam. So either he's about to the
• 7:21
  whole Mecca returns, he returns the whole all the wheat or if he
• 7:27
  wants to kind the Mecca kind the the deal so that he can keep the
• 7:32
  wheat, but he has to return that amount of money.
• 7:34
  That's that's what seems to be going on here.
• 7:38
  Or just four. Yeah, this one like a Matana.
• 7:40
  Yeah, that's that's that's, that's the child over here,
• 7:42
  whether it's just once a Matana or not.
• 7:44
  And the and this and this the hold that it's the whole thing
• 7:47
  and it's not test high, high, low dinner show Ribis.
• 7:55
  If he was high of a dinner show Ribis and nothing low Bo Glema
• 8:00
  and he gave him instead, he gave him a coat or a jacket or
• 8:03
  something. Oh, Klee or, you know, give him
• 8:06
  a Klee. I'm sorry.
• 8:08
  The hacks are low that he has to get.
• 8:10
  You can't say. Oh, it's a Mecca.
• 8:11
  He has to go ahead and give back the it's Trevor Kassif, which is
• 8:15
  worth way more than. The dinner.
• 8:19
  Right and he right, he can't, he can't, he can't.
• 8:22
  In the last case, he could give back the money here.
• 8:24
  If it's a if it's a full object, he can't.
• 8:26
  He can't. It's not considered a Mecca at
• 8:28
  all. Hold the whole government.
• 8:30
  So he remember explains by the by the wheat.
• 8:33
  It's not it's not such a Dover, Dover mausoleum.
• 8:35
  It's wheat and you can split it up into different meadows and
• 8:39
  different measurements and and values.
• 8:41
  He's giving him a jacket. He's giving him a, he's giving
• 8:44
  him AI don't know a car, whatever it is, you know, so you
• 8:48
  can't just, you know, break it up and sell, sell it by pieces.
• 8:51
  So therefore he has to give the whole thing.
• 8:53
  He has to give the whole thing back.
• 8:54
  He can't just keep the money like in the last, the last, the
• 8:59
  last. Well, the, the 1st is the
• 9:04
  Gemara. That's the, I think it's the
• 9:08
  seder, Seder of the Gemara. It's just the Gemara then goes
• 9:11
  into Glema. It's a it's just the seder of
• 9:15
  the Gemara soccer. May I leave it Hayfitz but also
• 9:19
  dinner show ribis. If the mall that rents in the
• 9:25
  lover Hayfitz that he made a deal to get, he has to give back
• 9:30
  a dinner show ribis and instead he rents from him.
• 9:33
  He's up. Instead of that, he rent me your
• 9:35
  car for dinner. We'll hire Rory in the soccer at
• 9:38
  the Hatsi dinner. But the anesis is that the price
• 9:43
  is only a Hatsi dinner. But he is, you know, give me,
• 9:46
  you know, he's like listen for that, for that whole dinner,
• 9:48
  just just rent it for me. And you know there'll be extra.
• 9:51
  Everything will work out. But see him in a cola dinner.
• 9:54
  He has to go ahead. He can't he can't call that and
• 9:57
  all the can't say, listen, I'm giving him extra.
• 9:59
  Give him back a dinner, renting it, whatever.
• 10:01
  He can't call it that. He has to.
• 10:02
  He has to take the whole dinner out and you know, and give it
• 10:08
  and give it and give it back to him.
• 10:14
  No, no, no, no, no, no. It's not considered.
• 10:19
  It's not proper Harshava. He didn't give me even though,
• 10:23
  even though that he said he called Hansi dinner at dinner,
• 10:26
  you know, and I'm going to, you know, Kilu.
• 10:28
  That's that's not, that's not considered an actual an actual
• 10:34
  Harshava. It's just not Harshava person
• 10:41
  who takes ribbus as high we pass as high as the hacks of the
• 10:45
  ribbus be there, right. So yes, give dua if the mitzvah
• 10:48
  to do, I'll shovel so or however, however you understand
• 10:52
  it, either it's a mitzvah or it's a hue.
• 10:56
  But you know, so therefore this is not considered Hashava.
• 11:01
  This is not considered. You know, this is not enough,
• 11:05
  even though they call it, even though, even if the other guy
• 11:07
  says it's like saying it's deshoveling, right?
• 11:12
  You know, even though for me, the guy, the Malova says, yeah,
• 11:15
  you know what, if you're right, this is worth to me a dinner
• 11:17
  100%. It doesn't.
• 11:19
  It doesn't make a difference. It has to be the Malva has to
• 11:22
  actually give back a full dinner to be considered a Hazara.
• 11:31
  It's just too that this, this it's a mahog.
• 11:33
  It's a mahog has been showing him it's a rash.
• 11:36
  Whatever it was long discussions about whether it's a mitzvah,
• 11:40
  it's a mitzvah Shava like you know, it's it's not some say
• 11:45
  it's it's a it's a it's it's like zayla.
• 11:48
  The person take the house. Haitian Haitian was like zayla.
• 11:50
  So there's a heckish between ribis and and Zayla and
• 11:54
  therefore just he took something low key there and he has to give
• 11:57
  back when he took the ritual says that it's not that wasn't
• 12:03
  taken. I think it's a ritual wasn't
• 12:06
  taken Lokidin. He was also going to take it
• 12:10
  that he took it. But now that now the because of
• 12:14
  the puzzle, whatever he has a mitzvah to give back to give it,
• 12:20
  He has a mitzvah to give it back.
• 12:23
  I guess it's a very it's a complicated it's a complicated
• 12:27
  alumnus a little bit. The public will be showing it
• 12:30
  about showing it about how you how you know how you understand
• 12:34
  how you understand. And I don't enough convenience.
• 12:38
  I don't remember if there's enough.
• 12:39
  I mean, it's just more it could be just more understanding how
• 12:42
  it works. But there are, you know, I seem
• 12:47
  to remember, there are kind remember I learned it, that
• 12:51
  there's a long bar of barrel on it.
• 12:53
  And I went in and he puts all the cheetahs.
• 13:00
  Yeah, yeah. Or the OR all the cheetahs, but
• 13:04
  whatever. So, So over here, he didn't do a
• 13:08
  proper in the midst of Sashava or he didn't give back what he
• 13:10
  talked. So therefore, it's not it's not
• 13:13
  enough for him to just say, you know, the say the DD Shoveli and
• 13:16
  everything. You know Alec Star, Sheesh
• 13:21
  Boribis, let's say they made a star that has Rubius set up in
• 13:25
  it. Bane shall tell you up.
• 13:26
  Bane shall do Graham, whether there's a start, whether it's a
• 13:31
  ribos suto or is a ribos durabanon Gravia Sakhara Lovato,
• 13:37
  he is allowed to go ahead and take the take the Karen.
• 13:41
  You know he's allowed to go into the Karen, but who's she?
• 13:44
  Hey, Nick or shoe ribbits has to be in the contract.
• 13:47
  It's very clear that there's two khalak into the law.
• 13:51
  There's the, there's the, you know, I say I lent him $200,000
• 13:57
  and, and he, and you know, and with the, with the Ribis of he
• 14:03
  has to return, you know, 300,000 or you know, it's a Mac cock.
• 14:08
  It's very clear what the Ribis is.
• 14:10
  So you can split up the star and OK, he's allowed to with the
• 14:12
  star, he's allowed to go ahead and collect the the principal,
• 14:18
  the $200,000 and leave out the 300,000.
• 14:22
  And that's OK. Well, let's say that, right?
• 14:33
  Yeah, let's say it's, let's say it's.
• 14:35
  Yeah, if you get to avoid it, let's say it's.
• 14:38
  Yeah, if you wrote it himself. So you'll need.
• 14:41
  So you know, whatever, you're right, it's a question.
• 14:44
  How is the Starkayim? It's a question.
• 14:49
  Let's see if I got going. Shuma first star Karen
• 14:53
  Vishnayan. So again, it's the first, the
• 14:54
  star, the Karen you could be, maybe you could say that's two
• 14:58
  different 200,000 + + 100,000.
• 15:12
  Correct. Right, Right.
• 15:13
  That's that's right. That's more and more exact.
• 15:16
  That's what I meant to say, Yeah.
• 15:17
  Oh, Shiloh, Hi, I'm Nikhil Bishtar Raqqa Karen.
• 15:21
  It was just written in the star, the kerati medium, all the
• 15:24
  ribbus right now. It could be that you could say
• 15:27
  that the Paul Gina on there. I don't know as far as they're
• 15:30
  interesting here. And it might be that that let
• 15:34
  there be made on the star first, that they made the Karen 1st and
• 15:38
  there's still kosher. And it's only when they put the
• 15:40
  ribbus in that like 2-2 idios two separate ados.
• 15:46
  And therefore they they come puzzle only by the by the second
• 15:50
  by when they put the ribbits in, it's like it's like a palgina
• 15:53
  and like you split it up type of type of idea, right.
• 16:06
  So the Tarutsen, I mean the rings of the thesis says to
• 16:09
  Tarutsen one on this point. But I the idiom apostle, he says
• 16:12
  he this ribbits are a Bonan and therefore the not new Salim by
• 16:17
  Nisa Durabanon the not new Salim.
• 16:26
  So or or or some say it's sort of it's it's Omer motor someone
• 16:33
  who's Omar Motzer because it says they think the idiom aren't
• 16:36
  possible because people think that it's only they don't
• 16:39
  realize the isser is on the idiom.
• 16:41
  They think it's just on the model.
• 16:42
  It's also for the model to take ribbons.
• 16:43
  That's what seems to be in the socket.
• 16:45
  So therefore there is a general did by a by that if they don't
• 16:51
  realize that most people, not just the idiom, most people
• 16:54
  don't realize that there's an isser on the idiom.
• 16:56
  Most people don't realize isn't it's like wager as a as a Shuva
• 17:01
  about someone is a someone who shaves with a razor as he
• 17:04
  postulates us and he says, since most people, I guess it is time
• 17:07
  and whatever. A lot of a lot of people didn't
• 17:09
  realize that shaving with a razor was also I'm Sean, so
• 17:14
  therefore he didn't puzzle them for to be aided.
• 17:17
  So it's an interesting thing. You get the you get the kosher
• 17:20
  Mishra again into a war, but that seems to pop up over here.
• 17:24
  I have a safer here. Yeah, yeah, yeah, yeah.
• 17:32
  I have a safer here, a good safer on the ribus.
• 17:34
  The Steven Shalom is he gets he hits all the corners right.
• 17:41
  Okhomi Shabaliado Ikare Ashtar Anyone who gets the stars should
• 17:47
  tear it should tear it out the fascini Shara Igrebis.
• 17:50
  You know, if someone somehow gets gets the star gets you
• 17:53
  know, let's say that goes to a lawyer.
• 17:55
  I don't know whatever out of the hands of the malva, he should
• 17:57
  tear it up because maybe the malva is going to come to me.
• 18:00
  Go for Arabius and you have to mafish me Sewer.
• 18:06
  Not too bad. What's he doing?
• 18:08
  The what's he making? He's allowed to collect, but
• 18:13
  it's a star. Don't be isser.
• 18:15
  And we're crochet. It's like a Fisher mesura.
• 18:17
  You're crochet. He's going to collect with it.
• 18:19
  Well, ain't on the first Ella Shikola Hakaren.
• 18:22
  If the if it doesn't say it just it just says he owes 300,000.
• 18:26
  Like we said before, ain't a goeva boy.
• 18:29
  A few of her Karen's too bad and he can't collect anything.
• 18:33
  You know, if it says very clearly that London 200,000 then
• 18:36
  he has to return 300,000 then then there's nothing there's
• 18:40
  nothing to do. It could because it's only the
• 18:49
  rebounds exertor abundant that maybe he's going to one of the
• 18:53
  model says I'm just collecting 200,000 right, Let me interview
• 18:58
  You're right. So we and best investment says
• 19:01
  too bad. You know, you, you, you, you
• 19:03
  know you it could be, you know, maybe you'll run away and go to
• 19:06
  a different best in and click 300,000.
• 19:08
  It don't let you You're right. If he said it could be that it
• 19:12
  could be that would if he if he somehow gets the money from him,
• 19:17
  it could be it could be it's OK. I'm not saying 100% because I'm
• 19:21
  not sure it makes sense, but I don't want to, you know, put
• 19:23
  whatever on it. We'll start from some of it will
• 19:29
  just start a little bit. So I think it's into Saab
• 19:32
  assault, which is more which is also somewhat aleph.
• 19:37
  Also, the Lavry saw basal it's also to mimalve salvasah fuel
• 19:44
  across of those Montpella pure own even if he does not set a
• 19:47
  time for for payment, except if it's something which is a
• 19:58
  matveya which is called money cash hayeightse bahutsah that
• 20:04
  people use as a as a currency. The Shema you see after what's
• 20:08
  the Shash you just saw the Saab, what's if wheat maybe in the
• 20:12
  meantime, the amount of the price of wheat's going to go up
• 20:16
  and and and then he's going to give back more and he's going to
• 20:19
  give him back more money. Now the example he is nowadays,
• 20:26
  which is the practical use is talking about if you're in XSL
• 20:30
  and you're dealing with dollar foreign currency with dollars,
• 20:33
  we're talking about a situation where there's a variable rate go
• 20:36
  up if you go down, right, not if there's a set price.
• 20:40
  We'll see. Doesn't that that there's
• 20:42
  there's no, there's no problem per SE.
• 20:45
  I'm not sure I have to get to it, but the acre shash is the
• 20:48
  what's called payers is that the price is the rate is variable.
• 20:52
  So therefore, let's say I'll lend you here, you know, here
• 20:56
  dollars are considered payers. They're not the currency here.
• 20:59
  It used to be many, many years ago it was, you know, 30 years
• 21:02
  ago, people you go into, you could even go into a store and
• 21:05
  use dollars changed. So therefore, or in America, any
• 21:09
  foreign currency would be considered, would be considered
• 21:14
  pay risk. So therefore the Shasha you lent
• 21:17
  a dollar to this guy and he and he'll I'll pay you back a dollar
• 21:20
  is maybe the dollar is going to be worth today it's worth 3.5
• 21:24
  and tomorrow it's going to be worth 3.6 and he's paying you
• 21:27
  back 3.6 shekels as opposed to 3.5 shekels.
• 21:30
  And that's the shash. Therefore, it's also even made
• 21:33
  Cara, even if you know the whole deal itself is user we'll see
• 21:37
  later on if he says, well, I'll pay you the amount and the
• 21:40
  value, whatever it is, you know, hey, just this amount or less.
• 21:44
  We'll get into that whether he could pay less, but upon him
• 21:47
  that's this is the the basis of the issue of saw of saw, but saw
• 21:53
  that which is any which the Shyland is applied by every
• 21:57
  object. You're a neighbor.
• 21:59
  You want to borrow eggs. Can you return eggs right.
• 22:07
  Or, you know, you want to be, you know, borrow a bottle of
• 22:09
  shampoo, a bottle of shampoo. Well discussed.
• 22:13
  Is that the case? Is is that OK or not or not
• 22:16
  mockpin and is a Matana of this. That's what we're going to get
• 22:19
  into. But that's the basic is sort of
• 22:21
  the iser of Sabasa.