Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 167:1-169:5. Interest: Investment; Assuming Mortgages To a Non-Jew; Interest of a Non-Jewish Loan To a Jew

Transcript

Yoreh De’ah 167:1-169:5. Interest: Investment; Assuming Mortgages To a Non-Jew; Interest of a Non-Jewish Loan To a Jew · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:04
  That's OK Good morning. We are cynicals on Zion service
• 0:14
  150 followers start again Malda Alden look avail Mona out
• 0:18
  tonight. She's a sick boy.
• 0:21
  Someone who lends money to someone else.
• 0:24
  I'll try that. You know, he and he uses the
• 0:27
  principle to invest Loreva Hamalva.
• 0:33
  I'll change the money. He has to invest the money until
• 0:36
  there's Reva. Those two, there's two money in
• 0:39
  profit, right? The mother stays as the print,
• 0:42
  as the principal and then there's 22 money on top of that
• 0:47
  via Bahraya Somalva. And it's going to be Bahraya,
• 0:51
  it's going to be a piccadon in a high Somalva.
• 0:55
  Meaning if it gets lost, then it's like any other Picado.
• 0:59
  The Marvel loses out other. He says, man, no, no, it's a
• 1:06
  Picado. Someone has a Picado and it's
• 1:09
  it's a Prius. Meaning if the Prius meaning
• 1:11
  here, because it's not an actual physical Picado, the Prius means
• 1:15
  it's on. If he gets lost, if it's a he
• 1:17
  feels a bad investment, the Marvel loses it the Marvel,
• 1:22
  right. The Marvel loses out right?
• 1:26
  No, it is because at because of he just like a someone gives
• 1:33
  someone an object, right? He gets destroyed, so he doesn't
• 1:36
  have the object anymore. The show.
• 1:41
  OK, let's say, but here, but he he but because it's a physical
• 1:45
  object. But here it's either way, the
• 1:48
  the the Karen is gone. The Akai is here.
• 1:51
  And by Ribbus, ribbus akarias means that means it's Picardo
• 1:56
  means that he that, that if it gets lost, it gets lost.
• 2:01
  We'll see. There are times or whatever
• 2:03
  'cause you should name money and yachts which name money in the
• 2:05
  model. When there's name money profit,
• 2:08
  it goes back. It goes that, that money that
• 2:10
  that those go to the mall there. When we sham the we sham the
• 2:18
  he'll call. However, after that, all the
• 2:22
  Reva, all the profit goes to the labor.
• 2:25
  And then it changes into although it's it's it changes
• 2:30
  into a halva. And therefore without that
• 2:33
  monitor the little bit at some point it's hard to pay that
• 2:36
  money, pay that money back. He gives the guy pays him, pays
• 2:47
  him for his work. I choose Shane money long as he
• 2:49
  pays him for his work, because when I say he's giving him, he's
• 2:53
  lending him money and he's getting back and he's getting
• 2:56
  back to money. So therefore the horrid's
• 3:00
  ribbon. So there's a then by an Iska,
• 3:02
  someone who you know someone who you get someone, you know, money
• 3:06
  to invest. So that if you pay him for that
• 3:10
  for for his for his work. So then that matters that that
• 3:15
  that's an integral of the header of of an Isca, the aim.
• 3:23
  He's the imam with Kila, a field of a kosher.
• 3:26
  She his, she his they lost his little bit scar Mel, as long as
• 3:30
  he gave him, even as long as he paid him a little bit that he's
• 3:34
  he's a worker. So then so then that's enough
• 3:37
  that like he the the we got to get into the all the protein of
• 3:42
  iska much later on. But here that this is one of the
• 3:44
  heterian that makes it not not ribbon.
• 3:47
  So again, the Iska is, is usually the mission that says
• 3:53
  it's usually it's Ketzi Ketzi, meaning it's Ketzi.
• 3:57
  We call it on the Ketzi Milva. I mean, half of the half of the
• 4:00
  principal is a cry. You know, if it gets a lot that
• 4:04
  it's, you know, it's, it's, but to us that if it gets lost and
• 4:08
  then it's on the it's a how it's on the, the Liva or the ICIC to
• 4:13
  go ahead and pay that back. And half of it is half of it is
• 4:17
  a big color that I think it's lost and the the model loses
• 4:20
  out, loses that money. So here, here the deal was it
• 4:23
  starts off for the Malda and then afterwards it switches to
• 4:28
  the liver. So long as he pays the Liva,
• 4:30
  it's it's OK. It's called let's say he lends,
• 4:39
  he lends them for the for the life Africa.
• 4:41
  If he asked like boy, he gave he lent the money and now the life
• 4:45
  there starts investing it. Let's her mother, he starts
• 4:50
  investing it for the mother and he and he gives it.
• 4:54
  That's also the same thing that if the mother will pay the lady
• 4:58
  money to invest it. So then it's going to be motor.
• 5:03
  It's not because it's not going to be considered a.
• 5:21
  Yeah, yeah. It turns it turns it into into
• 5:25
  an. Yeah, yeah, yeah.
• 5:32
  So, so, right, so, so The thing is it just just to point out
• 5:39
  quite quickly the, the, the the taz, the Gras, I'll ask on this.
• 5:46
  They, they basically they have, they have an issue that, that if
• 5:50
  it's halva, it's still not motor because halva is not a hiska.
• 5:56
  If it's Vitara, the way the Gras says it, if he says Halvaney, so
• 5:59
  then how does it, you know, it's not that it's still not, it's
• 6:03
  not you're still the Margaret. You're setting this up as a, as
• 6:08
  a loan, not as an investment, not as a business deal.
• 6:13
  Even though you're paying everything, whatever, it's
• 6:15
  still, it's still set up as a loan.
• 6:18
  Again, a lot of a lot of stuff and help and service is how do
• 6:21
  you view what how do you view the deal over here?
• 6:24
  Is it alone? Is it a, is it a investment?
• 6:27
  Is it a, you know, is it a Mecca?
• 6:30
  Is it a sale? All these types of things.
• 6:32
  So the the gross says that if you and the Tasman also that if
• 6:35
  you go ahead and you set it up as as a loan, then then he can't
• 6:42
  change. You can't suddenly change that
• 6:44
  into a into a NISCA has to be set up originally as a, as a
• 6:50
  NISCA. It's just could be when you get
• 6:53
  to hit the risk. It will be this this idea of,
• 6:55
  you know, gay as well, But that's that that's that's what
• 7:03
  the tiny of the are funny where they're at.
• 7:05
  So they're calling. We'll get again.
• 7:07
  We'll get more into details of these of it's good and all these
• 7:11
  things in kufine Zine later on. Simon Kusamakas and Kusamakas,
• 7:20
  some reason the the tour mixed everything together.
• 7:24
  I don't know. It's odd.
• 7:25
  I don't know why he did it. It's a plug like the only place.
• 7:28
  I think it's one of the only places in Shahanarafi he does
• 7:30
  it. So the Mchabra also mixes it
• 7:32
  together. These are all the rivets of
• 7:35
  using of of using of of practical doing the Havas with
• 7:42
  the with the with the with the non Jew and like giving
• 7:46
  mashikonos and all these things or whatever.
• 7:50
  So Alec, he sells Shellava most who borrows money from from from
• 7:57
  a non Jew. But this isn't just a BK shop 0
• 8:01
  He wants to go return it. And you know his friend in
• 8:05
  shules for a condolence to that's not me.
• 8:07
  Listen, give me the money. Listen, give me the I need a
• 8:13
  loan, right? So you give me in the meantime,
• 8:17
  you give me the loan I wanted to do here.
• 8:19
  It's he's giving you it early or whatever.
• 8:21
  I'll deal with him. I'll go ahead and I'll, I'll
• 8:24
  pay, I'll pay the loan and whatever extra ribbons there is,
• 8:29
  right. Also, that is also because it's
• 8:34
  considered in this case, it's considered as if the, the, the
• 8:40
  since the arcarius of the loan falls on the shoulders of the
• 8:44
  swell. So it's as if the swell, the the
• 8:48
  the swells is is the mall there and and he's asking, asking and
• 8:53
  he and then he's a schleif to pay the ribus.
• 8:56
  So the guy that we said before that that's going to be a
• 8:58
  problem of ribbon. That's me a problem of ribbus.
• 9:02
  But I feel 'cause of his fell Shaney star and even if he makes
• 9:07
  the whole new contract with the with the with the with the non
• 9:11
  Jew, but also mushkaneries and they gave and they gave
• 9:14
  collateral and all these things. Regan Nelson arebis ovikokovim
• 9:18
  ulcer. It's all ulcer because you know,
• 9:23
  because that's that's the shaft says that's it's kilo.
• 9:26
  It's Alvin ha menashi teasing arebis ovikovim that that's
• 9:30
  going to be anything that that's going to be even the Shiloh
• 9:33
  Sutan. It's it's it's it's it's very
• 9:37
  complex. It's it's very it's awesome the
• 9:40
  whole session also and the whole, the whole machine.
• 9:42
  Nelson Ovikovim of Kina Mieszrell reshine to have rivers
• 9:47
  Sutsa and Arma says that anything that he get, any rivers
• 9:50
  that he gave to the he gave to the guy.
• 9:54
  So he has to go ahead and the the original Israel has to
• 10:02
  because it's for his benefit or whatever.
• 10:04
  He has to go ahead and pay that back to the to the to the to the
• 10:07
  to the middle person who I didn't even sell high high most
• 10:12
  below ribbits. Let's say you sell Yeah, my even
• 10:15
  that alone to the to a guy without without ribbits.
• 10:19
  Yeshua Din's there. It's the same.
• 10:21
  It's the same then Rafil Hamido ET al Avika Hobbin even if they
• 10:26
  did like a mileage lost on where they all stood there and they
• 10:29
  said listen to my love, my loan. I'm being mocked in my loan to
• 10:32
  him and he's you're going to go become his valve logo, but I'm
• 10:35
  alone. I'm not He swells there be part
• 10:39
  there if I give it and I'll pop to you.
• 10:40
  Bunny S the e-mail he care of a rib is also right.
• 10:44
  So even if this is the first case, the first case over here
• 10:47
  is even if there wasn't a loan, but the second you smell says
• 10:50
  OK, I'm going to I'm going to create a loan and pay rib is
• 10:55
  it's still rib is right. The second one said I'll pay rib
• 10:59
  is it's going to be ulcer and even if he was Mac that alone
• 11:03
  over with the guys Haskama, it's still going to be it's still
• 11:08
  going to be a problem of of ribis because it looks this
• 11:15
  case. Yeah, it could be yeah.
• 11:19
  It's the same thing as it's out of ribis ribis tuta like we had
• 11:25
  before in Kusamak had the idea of our even every time that he's
• 11:28
  giving over, he's giving over the thing.
• 11:30
  It's kilo he gave it. And so therefore therefore it's
• 11:33
  it's also so if babes about him, he's out of the picture, he's
• 11:42
  out of the picture. But it's kilo.
• 11:44
  So but but it's kilo, he it's kilo.
• 11:47
  He's in the shop. It's this case.
• 11:53
  Maybe it's not. It was Suto that that yeah, this
• 11:56
  is the shop. So that's not this case is not
• 11:59
  just Mexican rivers. The first case is Ruto Bae's,
• 12:05
  although in Kiba Ovika Hovind Hummos Miya Miya, you swell
• 12:09
  Harishon. If the guy got the money from
• 12:13
  the original Lloyd and also in the Shaney and he gave it right
• 12:16
  back to the Shaney motor, then it's motor because there there's
• 12:22
  kilos a whole new loan. A feeling, though, you say in
• 12:25
  the ribis the other Israel Harishon, even if even if the
• 12:32
  guy pays rib pays the ribis to the he pays rivers to the so re
• 12:37
  showing it's still going to be OK because that's because it's
• 12:41
  all for the since the the non Jews in the middle.
• 12:45
  So it makes it makes it into a loan straight loan for the non
• 12:49
  Jew. Even if it's the same money.
• 12:50
  Once it gets back to the glory, it doesn't make a difference.
• 12:54
  It's a new loan. The pain in pain in Hamido ET so
• 13:02
  Obika Khavem, the armor he needs the Mugabe Karta, even if he's
• 13:09
  he they're all standing, you know, with the non Jew there and
• 13:11
  the and the and the guy says they're just put it put the
• 13:14
  money down on the floor. The pain also really style like
• 13:18
  your luck on a shiny Misham motor, even if it doesn't go
• 13:22
  through the actual into the hands of the action into the
• 13:25
  actual hands of the of the non Jew.
• 13:27
  But he said OK, fine, you know, just put it down, lay the sack
• 13:31
  of money down and you know he's going to go take it.
• 13:34
  So then that's it's also that's also considered a new a new loan
• 13:38
  if he tells them to give it to him.
• 13:42
  Derek Picardon the after that's also motor again.
• 13:53
  The last last the last Simon below.
• 13:56
  You have to be talking to Risha Matera Salva since since it
• 14:03
  didn't go with her salva, so it wasn't it's not considered that
• 14:08
  the that the the second guy got a got a halva.
• 14:12
  It's a Picardo eventually changes into a halva.
• 14:15
  That halva will be between him and the guy.
• 14:20
  It won't be a direct won't be connection.
• 14:23
  Direct halva to the from the first.
• 14:26
  From the first he sells to the second.
• 14:31
  The guy said when you put the your money into the second Jews
• 14:35
  can, then you're almost in the stand.
• 14:38
  But that's right. That's the whole thing over
• 14:40
  here, right over here. He says Piccata.
• 14:42
  It also stops the also it's healed, stops alone.
• 14:47
  And then when it become when it becomes a halva.
• 14:50
  So the so the second, you know, the pointer comes to halva to
• 14:53
  the second, the second guy, the second Jew.
• 14:56
  It's yeah. So it's not it's not Bhima is
• 15:00
  yeah, Bhima, you sell a shiny low also low also.
• 15:03
  How about you sell a region? If the second the second guy did
• 15:07
  not do a Halo with the with the first to sell Rocky the Ovi can
• 15:11
  call him. He didn't even talk to him.
• 15:13
  He just he he he didn't talk to the first.
• 15:16
  He said I just spoke to the guy the cobble me celebration.
• 15:20
  He went to the guys This I need I need a loan right and to
• 15:24
  listen, I have a loan. You know, Pony supposed to give
• 15:27
  me a, you know, but it's supposed to pay me back, go to
• 15:31
  him and just take the money from him.
• 15:33
  And so that you sell Risha in Iraq and then you sell Risha and
• 15:39
  just turns into a Shlea of the guy.
• 15:41
  It's a motor, a fellow that is in a ribbon.
• 15:44
  So you swell even if he gives the ribbon.
• 15:45
  So you swell because he's just doing it that he's just doing
• 15:53
  it. The Shah argues the Shah the
• 15:57
  back of the argue and they say that they say it has to be he's
• 16:01
  completely out of the picture because if he's getting if he's
• 16:03
  still attached to the law and get some sort of rivets or
• 16:05
  whatever, then it's going to be he they said that he he said
• 16:09
  that that's that that the Hatcher doesn't work.
• 16:11
  It has to be that the first in order for it to work, it has to
• 16:14
  be goes through the the gory and he's cut out of the picture
• 16:17
  completely. And the deal between the second
• 16:19
  he swirl is between him and the and him and the non Jew, not the
• 16:24
  no and the first the first guy's cut out of the picture, right.
• 16:28
  It's not Sofia actually, right? It's not Sofia right.
• 16:32
  He says it's it's wrong. Fine.
• 16:38
  Everyone says that this this dinners a bit more sift Ali
• 16:44
  Ovika Hovind Shamali sell Baribis.
• 16:47
  I'm an ass. She eating horribly sell motor
• 16:53
  now this is like the opposite case of syphilis where where
• 16:57
  it's key, though he's you know the he he's a slip that says the
• 17:02
  middleman. He's a slip for the swell to
• 17:04
  give ribbons to a going here. It's the opposite case that the
• 17:08
  that the guy says, listen, you know, give you know you you give
• 17:12
  me the halva and you pay the ribis to someone else, which by
• 17:17
  you sell is going to be ulcer even if it's suits up.
• 17:20
  But since it but since it's kilo, the guy is giving the
• 17:22
  money to the you know, to the Israel.
• 17:25
  Just a Matana doesn't make a difference.
• 17:27
  Even if the even if the guy is an extra ribis, whatever, that
• 17:30
  doesn't mean that's just that that's fine.
• 17:32
  That's motor Hey, in Israel hillville Ovica having Bereavis,
• 17:44
  Let's say Israel lends money to non Jew Bereavis.
• 17:48
  So Ovica Hovim marvel you suddenly sell Bereavis and then
• 17:52
  like that boy goes ahead and and and lends it to the east silver
• 17:59
  river. So crazy.
• 18:00
  Israel are reassuring and the Israel Risha and the and the
• 18:05
  Israeler Risha goes back and they told Risha ulcer.
• 18:10
  So that case that case it's ulcer.
• 18:15
  It's that that case is going to be forbidden once again depends
• 18:19
  on the no because if the because then because then the the the
• 18:28
  goal is just it seems like it's just a schlea for the thrill.
• 18:31
  And so therefore, and he's just a schleifer for the for the
• 18:33
  swell we shown, And therefore, therefore he's not he's not
• 18:38
  really in the picture. He's just a Shreya, right.
• 18:41
  I've got Waddafi hillbilly. So Shaney.
• 18:44
  But shlickers Israel Arisha and the Ramada Ramada says it's
• 18:48
  after if, if if they give a shlickers the Israel Omar and
• 18:56
  you get into the Shilohs that that's only the that you can
• 19:01
  make a Shreya. They could make a non Jew into a
• 19:04
  Shreya Homer aquaponim we pass. That's going to be a schleifer
• 19:12
  Hummer, and therefore it's going to be ribbous.
• 19:16
  But I feel E ain't schleifer. And even if you say that there's
• 19:21
  no Schleifer's to Anandju Hummer Myrie the spell Kreifel
• 19:27
  Ovikhovim Litaine low ribbous, that's only where where the he
• 19:34
  sells force forces and non Jews to give him ribbits.
• 19:37
  So you'll dash Ovikov him Yahoo for he sells Cheney.
• 19:41
  The hosts of Emmanuel are ribbits and there and he knows
• 19:44
  that he's going to be quite fair.
• 19:46
  The Cheney to give him the ribbits.
• 19:48
  We show him the Mexico ribbits, even though he's it's still
• 19:52
  going to be ulcer because it's Mexico ribbits about Isla
• 19:55
  Lovikovi mashkin. He's fell shiny.
• 19:58
  Let's say the going to go mashkin from the from the so
• 20:01
  Shaney Shane. Sort of clock of us.
• 20:03
  So he doesn't have to go ahead and force him to give him we
• 20:07
  give him the Ribis, but also Vishlika Street.
• 20:10
  So re showing the Kuliani Shari and he didn't and the and the
• 20:13
  thrill didn't talk to the talk to him.
• 20:15
  He did it. You know, he did it by himself.
• 20:18
  So then then it's just it's even though he's the same money and
• 20:22
  they could be he's he's lending it in order to be able to pay
• 20:25
  back. You know, he can pay he can pay
• 20:28
  back the original that you swell to pay the ribbons.
• 20:30
  Whatever it is doesn't make a difference.
• 20:33
  Once it goes once, once he creates the loan on his own,
• 20:39
  then then it's going to be then it's motor.
• 20:42
  That's not Nepsi Caribus anymore.