Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 173:4-6. Interest: Selling a Loan, Delayed Exchange of Money for Slugs of Silver

Transcript

Yoreh De’ah 173:4-6. Interest: Selling a Loan, Delayed Exchange of Money for Slugs of Silver · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:00
  Good morning we are in Simeon to find Gimel Sift Allard Michiecho
• 0:07
  Star Cove Aquavero someone who has a who has a ** Hove Oh, oh,
• 0:12
  you I thought you said you I just saw go through it quickly.
• 0:18
  Michiecho Star Cove, a Millville pad, someone who has a star Cove
• 0:24
  as a loan, a star Millville pad. You're allowed to go ahead and
• 0:31
  sell the loan to someone else to collect the loan for less
• 0:35
  because it's around a risk. The guy doesn't pay back
• 0:37
  whatever. It's a, it's a business.
• 0:39
  You sell, you know you sell, you know you sell some sort of
• 0:45
  future ability to to collect for less and that's not considered.
• 0:51
  That's considered a Mahira. It's not considered hava a few
• 0:55
  little low. He has one appear on even if
• 0:56
  it's time for the guy to pay back the aimbo mishum Ribius.
• 1:02
  So there's no problem of Ribius as long as it's a complete sale.
• 1:11
  It's a complete and he took a complete separation that the the
• 1:16
  loan everything that everything is the Prius on the star and
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  everything is on the little cafe.
• 1:21
  You're only in Yani or later show you a little early first.
• 1:25
  You can't say make up to say, you know, give me back my mommy.
• 1:28
  You know, it's as long as it's that he takes that risk of our
• 1:32
  Prius. It's a Mahira of our Prius,
• 1:35
  Shaban Mahmir. But any Prius which comes from
• 1:39
  the Mika could go into anything, which could be a Mecca toast and
• 1:43
  guy hey he saw you sold garbage. You know hey or you know he came
• 1:51
  there to collect another. I have no money.
• 1:53
  Someone else took it already answer she hey, that doesn't
• 1:58
  need to be on the low care in the HBR Amrifer masculine shell.
• 2:05
  Hello there. And if if there is in the hands
• 2:12
  of the maker Mashkin Shalaloeva mutter lamoch were little care.
• 2:16
  Can't even sell that to little care.
• 2:18
  Hey, mutter she have Ticheno haloeva arvos of a mash gun and
• 2:22
  his mutter Sumatiya the Loeva with with arvos or mash gun
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  being over with Kiba. That's not called taking a
• 2:35
  Christ. You know, over with Kiba all of
• 2:36
  a micro price, but if the maker does take some sort of extra
• 2:41
  Aquarius, so no Chaim it does is Chaiming.
• 2:44
  You know, Yoko Kabul Hovo maps to the Maurice of Minadin.
• 2:49
  Then he has to give if he can't get the hob, he has to give him
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  that to make hotels in Yechpo Reva in the Micra.
• 2:56
  And then in that case, any Reva that he invests in goes to the
• 3:00
  Micra. Look, a shame.
• 3:02
  She akhala mahala, akhara pakhos kakhala Mahala, leave it.
• 3:05
  But that's my can even sell it back to the lay there, you know,
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  for less meaningless. I'm not going to be gave it, you
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  know, give me give me 75%. I'll be fine with it.
• 3:18
  And that's not again, it's a this is actually even though
• 3:22
  it's alone, but you're allowed to sell loans to other people.
• 3:27
  I got also the autumn lawyer. Look avail how they call a sorry
• 3:30
  dinar in It's also for a person to say someone else here.
• 3:36
  Here's 10 Dinario Patroni notionic.
• 3:39
  I have you based on the guy can't say this are you I know
• 3:43
  you base. I don't have 10.
• 3:45
  It's 10 shackle. Let's just call.
• 3:48
  Let's just let's just let you know Shani hide the beast, the
• 3:51
  dar in the plonie. I forgot the after she used her
• 3:56
  answer video dinar and after he says, listen, he says take 10
• 4:04
  and you deal you deal with Cloney with Ayo guy 12.
• 4:08
  Listen, you take 10 and you you're going to go ahead and
• 4:11
  you're going to give me a headache.
• 4:13
  You deal with him and that's also I forgot the after she used
• 4:17
  to ask for the you dinar, even if he himself could go ahead and
• 4:22
  and and patter himself with you dinar, it's still that that is
• 4:27
  that that's going to be awesome because that's not yeah selling
• 4:30
  the loan. It's Kilu.
• 4:32
  You know, you're giving him 10 to give to the other guy you 12
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  and that we had a set already that that's already a that's
• 4:38
  already a Prasad and Kusan. That's already a problem.
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  If you're giving it, you're if you're lending him money to give
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  to give the the the original model is getting is is he he's
• 4:55
  forget the original loan right this second.
• 4:57
  He he's he's he's selling. He'll be selling his whole for
• 5:02
  10. That guy should pay should this
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  you know this you know it's Keeler.
• 5:07
  He's saying pay the Rivas to someone else that we had a
• 5:08
  problem with that he's the Loyvan.
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  He's what he's doing is he's he had the case with Kusama where
• 5:16
  someone says here, right, he says on the new money give Rivas
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  to someone else's also, right, That's one.
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  So what what is the what is the ribos over here?
• 5:27
  So if he he gives him, he gives, he gives the guy 10 to give to
• 5:33
  someone else 12, right. So he he's lending him 10 and
• 5:38
  lending him 10 so you can go and pay someone else and you're
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  paying him to pay him more than than what I lent you.
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  And he turned this load that turns into a mall turns into a
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  mall in a second loan. The problem is that the original
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  model is getting paid is is lending money to this guy and
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  he's going to get back to EU 12 because 12 will be end up being
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  forgiven. That's.
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  The problem nobody here the. Problem is, on the original
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  model he's I'm. I'm lending you 10 such that you
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  can give me back the the. Equivalent of 12.
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  No, no, that's not it. That that's that's not no the to
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  the to the middle man, no, because he's tough because his
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  loan now is 10. He's he's only in 10 check to
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  pay another to take 12 to someone else.
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  He's going to pay he's going to pay 12.
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  This guy's losing this. He's going to pay 12.
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  These guys do me a favor. Right from the life to pay.
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  Yeah, and it pays for him to do that.
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  Yeah. OK, That's a Rev, whatever his
• 6:57
  Rev is, whoever the freshman is. Or he's just nice guy, whatever
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  it is. But he's paying 12KK.
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  He's paying back someone else for this guy more.
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  That's the problem. It's a guy paying himself.
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  Who cares? Even if the guy could pay him
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  10, you know with would get would get go to the mall there
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  and get it down to 10. It doesn't make a difference
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  because it's a loan to the middleman.
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  If he's that high of a loaner, he gave him some sort of tax in
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  sharpening Medina so bad you're basically darn ulcer.
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  If he says OK, you know, take this money to pay their own
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  nose. It's also it's also also of all,
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  even a Maltani Mina Omnos. The guy says in this before he
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  said Patrani save me, right? That's that was also.
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  But if he says from the tax, he says Maltani Mina Omnos save me
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  from the from this tax, you know, he pays him.
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  He pays him 10 whatever that's motor Duma you fierce of Apocos
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  because maybe this guy's a you know, he's a he's asking and
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  he's going to go to the to the tax collector and he's going to
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  haggle. He'll bring it down to 10 over
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  there. He's paying the guy 12.
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  That's it. He's paying him 12.
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  So it's Vaade Ribbus here. It's a Suffolk Ribbus because
• 8:21
  maybe he'll maybe he'll get the guy down to 10, right.
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  The last case. This middle man's not going to
• 8:26
  get to get them all down. Maybe the maybe the lawyer can
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  get them down, but the model is not going to get this.
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  This middle man's not going to get them down here.
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  He tells them, you know, just just make a freshman, I'll give
• 8:37
  you 10 for 12, you know, so that's the problem.
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  But if he said, if he says save me, you know, help me out over
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  here so that maybe the guy the guy can haggle it.
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  So therefore it's going to be mutter.
• 8:48
  Hey, Hakal speaking Moss Yumako. If the if the cow needs, you
• 8:55
  know, the money for the cow for shul for whatever.
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  Yumako Azerayan Azerayan is also known as Rundi and different
• 9:02
  things in the place game. It's it's the license, it's the
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  it's the liquor license. Oh, oh Habassar or they had that
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  meat license. Whatever the shot the shine the
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  social if he the Akal, they can go ahead and sell it to two or
• 9:18
  three very whatever Hidea call the floor has sat this money
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  you're doing to pay it off in in Tash Lumia and pay it off in
• 9:24
  payments. If I could in East, I do the
• 9:27
  call, but start and and the ones who buy will, will, will makai
• 9:34
  themselves to the Kalbush star, Rafi Moku, Akal Akova who and
• 9:38
  then the cow's going to take this clove and sell it.
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  The Mishiti and the haemo's beyond.
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  They need money right away. So what do they do?
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  They're going to go ahead and and and sell the the license to
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  a few people and they're going to go ahead and say, OK, fine,
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  we're going to pay it off in in a few years, 12 to 18 payments
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  and they're going to go ahead and sell this and sell this to
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  someone else. That is motor.
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  It's similar. It's similar that delve into
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  delve into it, but it it's similar to often here and there
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  to sell. They do hurrah Keva, right?
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  They say, OK, give me a hurrah keva, right, And then someone
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  else and then and then someone else is going to give us money
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  or give us something. I'll dasa hurrah keva.
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  So it's keel. They're selling this for this
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  for 18 months. He was behind himself.
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  It's keel. They're selling it to someone
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  else for for stuff organization. That would be that would be OK
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  to do, even though regular people it's not not it's not as
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  push it, but but uncle pun if Uncle Pun named the right.
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  So this is the grasses. It's the same thing.
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  It's just it's actually grasses. It's the same thing as the case
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  as the case before. It's just it's just it's just
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  speaking out of different, different situations.
• 11:00
  So, yeah, it's the same. It's the same idea that you're
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  allowed to sell a cloth to get money.
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  It's just, I guess it's just saying another case.
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  According to the graph, it's a Bahira.
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  It's not where it is. Love Hayukamara Vapola of
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  Togiosova shock. You know, his workers find them,
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  you know, hey, you know, they need we need money.
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  But Amel Shulhani, he told to the to the change guy.
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  He didn't just change. Shulhani didn't just change, you
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  know, didn't just change your foreign currency.
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  He he used to be the guy that he actually gave people change.
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  He had dinner. I need so he gave the guy that
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  he gave him a dinner and he was before he was before at it to
• 11:41
  smaller money. That's how that's how it worked.
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  And he he he got well, however, it's however he got profit.
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  He got profit. I don't remember.
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  So anyway, he said, listen, I'm a little Shokani tainly dinner
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  Tavor. I said, listen, let me borrow
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  dinner Tavor. I need money here.
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  So so he's been like a banker. Even give me a minted coin.
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  Pierce Dino Sheshawatsura, you'd say the whole song.
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  Give me a proper money the forum, but I'll give you more.
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  You know slugs, as they're called, they're non minted
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  coins. I'll give you a more than shabby
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  of non bintic coins. Shishi device well over here.
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  Is this a sale and is this Sabsika?
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  Is it Sabasal? Is this mutter?
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  What what's going on? So therefore he says I have
• 12:33
  extra in my house, right. Just I want to be able to give
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  them cash Mutter hushiatial called the mehadina.
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  That's OK, because he's selling the the the the non minted coins
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  are considered payers. They're considered, they're
• 12:49
  considered, they're not considered the same currency.
• 12:51
  It's Ken's kilo. He bought like 2 bars of silver
• 12:54
  and then that's and that's as long as he has the Asia of the
• 12:57
  whole domain of dinner. So he's actually the straight
• 13:00
  material. But if he only has like I have
• 13:02
  one, he has to get, so then that's going to be a.
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  Halva no the. Question, right?
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  Why do? You have to have the.
• 13:15
  Money. No, because it's it's it's
• 13:23
  Paris, though, because when you're buying, because when
• 13:28
  you're buying an item, the item has to be available, right,
• 13:32
  right, because right, right, right, right.
• 13:34
  That's that's Nukuda over here. But Evelyn here.
• 13:36
  I mean, Devi Ashri Tasers to ain't our Shia called the Meja
• 13:41
  dinar Vyado, the Russian the Tasers from Mako.
• 13:46
  Yeah, I'll say over here, like any yesh level of Assad doesn't
• 13:49
  really need everything in his hand.
• 13:51
  I have a few of my atmaham. All of us of Assad, a layo in
• 13:54
  cynical stomach phase handed with Sassafriatur and some of
• 13:59
  the gear cells in the tour. It says that who are not on the
• 14:02
  deity and that I agree with Jose El Shari El Dinar Bimos.
• 14:10
  It's a dinner from all dinner. By most, I mean there are
• 14:12
  medical memcard. He's fine from most to most Javi
• 14:16
  Alvar filiation of call. Also if he if he says if if it's
• 14:21
  he has other different coins in his house.
• 14:23
  So that's a straight over shouldn't be confused and into
• 14:28
  coins. Yeah, yeah.
• 14:35
  No, but he said, but the shock points out the finish is even if
• 14:37
  they're neither of them are Tuvos, even if neither of them
• 14:41
  are are minted, since it's the same min, then it's it's Tabasa.
• 14:47
  That's what the shock understands is the finish over
• 14:49
  here. And that's you know, and so so
• 14:53
  that that's going to be if that's Derek Halva, if it's the
• 14:57
  same man, this is the finished with Paris and Paris is that
• 15:01
  it's Sabasar. It's the same man that you get
• 15:03
  into Hilsavasa, right? So that's, that's, that's, you
• 15:08
  know, that's an issue. I'll go just going back for a
• 15:12
  second. I forgot the important, it's a
• 15:14
  very important, important point. The Piscachuva talks about the
• 15:18
  recess of Shari Cove. There's a question.
• 15:21
  The question is a few questions please can bring up of what
• 15:25
  about the the Piscachua talks for banknotes cash, all right,
• 15:30
  is cash considered it's cash considered starring or is it
• 15:36
  considered money so coins? Is no question of.
• 15:39
  That coins is no question. The question is then like they
• 15:42
  started they started giving bills also the coins we have
• 15:48
  today right are just like bills. The point is the points at an
• 15:53
  intrinsic some intrinsic casts value.
• 15:56
  That's why they are different. But he.
• 15:58
  But he. Oh, they're finally getting rid
• 16:03
  of it, right. So it was the emotional thing
• 16:05
  for many years. Yeah, you know, No.
• 16:10
  So I'll tell you what, I'll tell you what the the coins are a
• 16:14
  little bit different because here's the child of star coins
• 16:16
  on star. Even the coins nowadays wouldn't
• 16:18
  be considered the star birion. You want to say it was it, You
• 16:24
  know, is it the same Shiloh but the Koshimish?
• 16:27
  But it would be the same Shiloh but but over here it's how much
• 16:30
  a star then then the Shiloh is this is the stars nowadays.
• 16:34
  It's not a star. It's a different Shiloh, not.
• 16:35
  Not the Bills. You had, well, it used to be the
• 16:42
  bills you had. You go to the, you go to the
• 16:44
  bank or the OR Fort Knox or whatever and get and get gold.
• 16:49
  Yeah, they changed that. So then once they changed it, so
• 16:52
  then there's a Shiloh doesn't apply.
• 16:53
  So you can't go collect. It's just money.
• 16:55
  It's just a, so it is actual. Money.
• 16:59
  It's actual money. Yeah, it's considered actual.
• 17:01
  Shiloh's about checks. What about selling checks?
• 17:04
  Right. What about in dealing with
• 17:06
  checks? So here used to be if you could
• 17:10
  go. So it depends where you are.
• 17:12
  You know, I remember reading a story and he but few years ago,
• 17:15
  whatever, some town in Alaska where they had no cash out in
• 17:18
  the middle of I don't know where.
• 17:19
  So everyone would just write checks and then we'd pay in the
• 17:22
  gas station and they were like safari like giving checks from
• 17:25
  different people and we'd pass around checks until like the
• 17:28
  banker would come or I don't know whatever.
• 17:30
  So when checks are used as so there's a mahogas play scheme
• 17:34
  are what are we did of checks. Some say they have a dinner of
• 17:38
  cash. I think said they cash someplace
• 17:42
  can say they have a dinner of a star.
• 17:45
  Some say it's just a listen. I think listen, Carell said that
• 17:48
  it's a hurrah to the bank. It's neither.
• 17:51
  It's just it's just instructions to the bank to give this guy
• 17:54
  money. No, it could be if your mom is
• 17:55
  trading it, so it comes cash fine, but regular people it's
• 18:00
  it's not. And nowadays you can't write in
• 18:02
  America. I think you could still write
• 18:03
  cash on the cheque if you correct cash on the cheque.
• 18:06
  So that cheque might you know that that's much more of a cash
• 18:09
  than is that cash with a money changer.
• 18:11
  It could be a different foreign cheque.
• 18:13
  It could be it's it's cash. But Uncle Ponim nowadays to say
• 18:18
  it's cash here and it's as well as complex because you can't do
• 18:21
  that has to go right into the bank because every the law,
• 18:25
  everything has to you really not supposed to pick, not supposed
• 18:27
  to pass it on. You know, some people still, you
• 18:30
  know, once I want to put a check to someone and then, you know,
• 18:33
  four months later I get a call from some hotel in some place in
• 18:37
  spas. Yeah, your check bounced.
• 18:40
  I'm like, what are you talking about?
• 18:42
  Who are you? And said, no, I ever passed like
• 18:45
  10 hands and ended up over there.
• 18:47
  Whatever. So that that that that that that
• 18:50
  that is illegal if you know, but if you're in certain groups and
• 18:53
  you know, they do that something else.
• 18:55
  Maybe it is maybe it is considered cash, but in general,
• 18:58
  it's hard to call it cash nowadays here in America.
• 19:01
  Maybe it's more but off upon him that if you went line ahead and
• 19:05
  you went and you sold the cheque, that would be this, you
• 19:09
  know, the car over here. In this case, it would be the
• 19:12
  same thing as selling a stock of even meals.
• 19:14
  All pair works. So it would be the same thing if
• 19:17
  you if you're doing bills. So that's that's straight money.
• 19:22
  Let's just see we'll start. Let's see if we get through Zion
• 19:27
  Aim, Kaina Davar, you know what, let's stop the Zion's
• 19:31
  complicated and we're not going to make it through.
• 19:33
  There's a lot of.