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                         L'CHAIM - ISSUE # 755
                           Copyright (c) 2003
                 Lubavitch Youth Organization - L.Y.O.
                              Brooklyn, NY
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   Dedicated to the memory of Rebbetzin Chaya Mushka Schneerson N.E.
        January 31, 2003       Mishpatim         28 Shevat, 5763

                        Paying Off the Home Loan

What happens when we want to buy a house? First, we save some money - or
get some as a gift - for a "down payment." That's what we start with.
Let's say we've managed to accumulate fifty thousand dollars. Then we
start looking for a house. After much searching, we find the perfect
dwelling - except it costs two hundred thousand dollars.

What do we do? Why, we go to a bank, of course, or some other financial
institution, and we borrow the balance. We go to the seller, pay the two
hundred thousand dollars, and we've got our house.

We've also got a $150,000 debt.

Things would be simple if all we had to do was pay back what we
borrowed. If the bank lent us the money for thirty years, then we'd just
have to pay them $5,000 a year.

But it doesn't work that way, of course. The bank charges interest. It
charges interest annually on the balance owed. So, if the interest rate
is 7% per year, then at the end of the first year we'll have to pay
around $10,000 in interest. If we have reduced the loan by $2,000 by the
end of the first year, we only owe a little less than the original
$150,000. Again, the interest for the second year will be around

Thus, in two years, we've repaid only $4,000 of the original $150,000
loan, but we've also paid almost $20,000 in interest.

The interest we'll pay far exceeds the amount we borrowed. If it takes
us thirty years to pay back the loan at 7% per year, then we'll pay over
200% interest over the life of the loan!

The formula to calculate the exact ammounts (called amortization) is
simple, though figuring the math is complex; nowadays, computers
calculate for us - and the banks.

There's an analogy here. After all, G-d "borrows" from the Jewish
people, as it were. He tells the Jewish people - our souls, "Listen, I
want to build a dwelling place for Myself in the lowest realm, the
physical world. Lend Me the "capital" to do it and I'll pay you back."

Since it's G-d that's asking, we know His Word is good and we agree to
the loan. What is it that we "lend" Him? Our mitzvot, our observance of
G-d's command-ments. Our souls tell G-d, "Okay, we'll leave the Divine
Presence and go into a body. We'll even go into exile. We'll go to the
farthest corners of the earth where we will study Torah and do mitzvot.
Under all circumstances, we'll remain faithful, fulfilling Your
commandments. When we're oppressed and downtrodden, so that we must risk
our lives for a simple mitzva, we'll do it. When we're wealthy and
prosperous, so that pleasures abound, we won't neglect Your Torah. But
You owe us (as it were) for time absent from the Divine Presence. With

And G-d agrees. He uses those mitzvot to build a dwelling place for
Himself, to transform the physical so that "the whole world will be
filled with knowledge of the L-rd." Through our Torah and mitzvot, we
amortize exile.

Most home loans run for thirty years. Ours has lasted three thousand
years, since Sinai.

It's time to collect our "debt." It's time for Moshiach.

This week's Torah portion, Mishpatim, delineates the four categories of

An unpaid keeper - one who serves as trustee for another person's
property and does not receive payment; A paid keeper - one who is
remunerated for his guardianship; One who "rents" the use of another
person's possessions; and a borrower - a person who uses someone else's
belongings without paying for the privilege.

The seventeenth-century Sage, known as the "Shaloh," explained that
these four categories of guardianship correspond to the four different
types of Jews who serve G-d,  as every Jew is charged with "guarding"
G-d's universe through the observance of Torah and mitzvot

The first and highest level of this charge is the "unpaid keeper." This
refers to a person whose focus is entirely on guarding the owner's
property, without consideration for his own benefit. A person in this
category serves G-d with the utmost dedication and devotion, for his
sole aim is to serve his Master, unmindful of the reward his actions
will bring. Maimonides refers to this type of person as "one who serves
G-d out of love...and not because of any other consideration...not in
order to accrue benefit, but one who does the true thing because it is

The second level of guardianship is the "paid keeper." This person also
devotes himself to safeguarding the owner's possessions, but expects to
be paid for his labors. This category refers to a Jew who serves G-d
with genuine vitality and enthusiasm, at the same time anticipating that
he will be rewarded for his observance of Torah and mitzvot.

The third level of guardianship is one who pays for the use of the
owner's property. For this person, the enjoyment he derives from the
object is his main goal, yet he feels compelled to recompense the owner
for granting him the privilege. In the spiritual sense, this refers to a
person whose principle desire is to enjoy the pleasures of this world,
all the while cognizant that it is G-d Who is allowing him to do so.
This type of Jew serves G-d solely out of a sense of obligation and

The lowest level of guardianship is that of the "borrower." This person
is only interested in his own gratification, and does not even feel the
need to compensate the one who has lent him the object. In terms of our
G-dly service, this refers to one who delights in the pleasures of this
world without even thinking of "paying" G-d back for His beneficence.

Yet even the "borrower" is considered a guardian, for he too observes
Torah and mitzvot, albeit without perceiving the connection between his
service of G-d and the blessing he receives from Above.

This person is convinced that all of the goodness and bounty in his life
has been granted to him simply because he is deserving!

What is the point in a mitzva done for personal considerations?

Our Sages explain: "A person should always busy himself in the
observance of Torah and mitzvot, even when it is not for its own sake."
For we are assured that from the wrong considerations, one will come to
observe for the right reasons. Every Jew is promised that ultimately, he
will perfect his service of G-d, achieving the level of the "unpaid

                  Adapted from Likutei Sichot of the Rebbe, Vol. 31

                             SLICE OF LIFE

                       Bat Mitzva Debut in Duluth
                             by Aliza  Karp

Celia: "Be confident in yourself and trust what you know is right!"

Victoria: "Enjoy all the small things in life."

Rebecca: "Every chance you have to meet somebody or something new, take
it. And stay away from boys... "

Casey: "Don't wash red socks with whites."

As we went around the tables, all the women present gave womanly advice
to the Bat Mitzva girl, my daughter Huvi.

In this day and age, when Bat Mitzva celebrations come in all shapes and
sizes, colors and textures, decibels and pixels, Huvi had agreed that
she wanted her celebration to reflect the womanhood that she was
entering into.

Huvi's lifestyle is one of dedication to Jews and Judaism, according to
the teachings of the Lubavitcher Rebbe, who encourages all Jews to share
their knowledge of Judaism, no matter what level they are on. If all you
know is the Hebrew letter "alef," then teach alef.

With this approach in mind, Huvi decided to celebrate her Bat Mitzva,
not with her classmates who share her knowledge of Judaism, but with the
Jewish women in - of all places - Duluth, Minnesota, where her older
sister Rivka Greenwald, together with her husband and children, recently
opened a Chabad House.

The party was beautiful: simple and inexpensive; but rich in
friendliness and enthusiasm. Everyone enjoyed themselves: Huvi, Rivka,
the women and girls from Duluth, and most of all, the proud mother,

The tables were set with purple balloons flying high above each chair.
The balloons were not only decoration. Inside each balloon was a raffle
ticket to be filled out by all those who were committed to lighting
Shabbat candles. The raffle prize was a beautiful set of two
candlesticks with a tray.

Being from Brooklyn, I was a little surprised when the guests started to
arrive early enough so that the party could begin at the exact time
printed on the invitation. Meanwhile, my three little Duluthian
granddaughters were scurrying around (or being passed from hand to hand)
making everyone feel welcome.

The theme of the party was, Jewish Women: Lighting Up the World. At each
setting was a tall purple candle. Huvi lit her candle at the head table
and passed it around so that everyone could light their candle from
hers. While the candle was being passed around, one of the teenage girls
from Duluth, Leah, sang an enchanting song about light dispelling

We enjoyed a sit-down dinner and a full program. Each of the teenage
girls who attended turned out to be very talented. Tzippora, Tirtza,
Alice and Adina put on a skit about Shabbat candles, Addie played an
intricate tune on her flute, and Rebecca read a favorite book of hers,
about growing up and venturing into the world with self-confidence and

Huvi gave two short speeches. One explaining that since she was born she
has always eaten kosher, and since she was able to, she has always lit a
Shabbat candle and observed the laws of Shabbat. But this was all in
preparation for becoming Bat Mitzva and taking responsibility as a
Jewish woman. In the second speech she briefly explained Chapter 13 of
Pslams, which she would now be saying every day in her thirteenth year.

As mentioned above, we went around the table and asked each participant
to give advice to Huvi. The response was full of wisdom, sincerity and
humor. Song sheets had been placed at every place setting and we sang
together. The participation created an atmosphere of togetherness. It
was not a room full of relatives, nor a group of people who had grown up
together or gone to school together. We were a group of women whose
common bond was a Jewish soul. A very strong bond.

Presents! What would any Bat Mitzva be without presents! In addition to
the pile of colorful, girlish presents that Huvi received, all the
guests gave Huvi a special gift. Each one took upon herself a new mitzva
in honor of the Bat Mitzva.

First we had a discussion about a journey of 10,000 miles starting with
one step... signifying the importance of every mitzva, no matter how
seemingly small. We discussed many mitzvot and how they could be assumed
in a way suitable to the individual. All the women wrote down their
mitzva on a small decorative piece of paper and gave it to Huvi, while
keeping one copy for themselves.

Those women who decided to take upon themselves to begin or continue
lighting Shabbat candles, popped their balloons and entered the raffle.
The winner of the raffle was 12 year old Alice; but the grand winner was
Huvi... who took the warmth of her Bat Mitzva Simcha to Duluth.

                               WHAT'S NEW

                      Chicken Soup for the Neshama

Chicken Soup for the Neshama is  collec-tion of "101 Short Stories,
Insights and Sayings Containing Life-Long Lessons." These are not just
short stories and anecdotes that relate to everyone; they are words to
which everyone can relate. Available at Judaica stores or  by e-mail  at


This discourse, written by Rabbi DovBer, the second Rebbe of Lubavitch,
and translated by Dr. Naftali Loewenthal, is based on the verse, "The
soul of man is the candle of G-d" (Proverbs 20:27). Flames demonstrates
that while spiritual endeavours such as contemplative prayer and inner
personal transformation are important, the actual performance of mitzvot
is what is most essential. It is practical deeds that keep the radiance
of the soul kindled upon the body - acting much like the oil that fuses
flame and wick. Published by Kehot Publication Society,

                            THE REBBE WRITES

                          Erev Shabbos Kodesh,
                        Yud Shevat, 5734 [1974]

Blessing and Greeting:

I was pleased to be informed of the forthcoming Twelfth Annual Midwinter
Con-vention, which is to take place during the weekend of Shabbos
Parshas Mishpotim.

In accordance with the well-known adage of the Alter Rebbe [Rabbi Shneur
Zalman], founder of Chabad Chasidism) to the effect that "a Jew should
live with the time," that is to say, in the spirit of the current weekly
Sidra [Torah portion], and also on the basis of the Baal Shem Tov's
[founder of general Chasidism] teaching about the significance of a name
being related to the inner essence and vitality of a person or thing,

One can, upon reflection, discover a profound message in the Sidra
Mishpotim and in its very name; a message which is pertinent to the
convention and its main theme.

The highlight of the Sidra Mishpotim is to be found in its concluding
keynote, which summarizes the proper approach to all G-d's commandments
on the principles of Naaseh v'Nishmah, namely that Naaseh - the actual
doing and fulfillment of the Mitzvoth [commandments] - must come before
v'Nishma - intellectual comprehension.

In light of the above, the contents of the Sidra coming under the
heading Mishpotim, seem to be in contradiction to the principle of
Naaseh v'Nishma, as will be seen from the following:

It is well know that the Mitzvoth are generally classified into three
categories: Chukkim, Eidos and Mishpotim.

Chukkim [statutes] are the Mitzvoth which are purely religion in the
sense that they have not been given a "rational" explanation.

Eidos [testimonials] are the Mitzvoth which are "testimonies," recalling
and testifying to certain events, such as Yetzias Mitzraim [the exodus
from Egypt], etc.

Mishpotim [judgments] are those Mitzvoth which are "understandable" by
human reason, such as laws of social justice, ethics and morality.

Thus, according to the principle of Naaseh v'Nishma, mentioned above,
one would have expected that the first Sidra that follows Mattan Torah
[the giving of the Torah on Mount Sinai] would deal with Chukkim, rather
than Mishpotim, and should have been named accordingly.

The explanation, however, is that a Jew is expected to attain such a
high degree of perfection, where his entire life is based on an absolute
obedience to G-d's Will, so that his fulfillment even for the so-called
"rational" Mitzvoth, the Mishpotim, is motivated solely by his desire to
fulfill G-d's Will, and not by his own "approval" or consent. In other
words, the highest expression of Naaseh v'Nishma is to be found
precisely in the Mishpotim, the validity of which is not in human
reason, but in the fact that they have been ordained by G-d, from Sinai,
just like all other Mitzvoth of the Torah.

If there may have been a time in the past, when the need of the Divine
origin of the laws of morality and ethics (Mishpotim) in the Torah had
to be explained, no such proof is necessary in our day and age,
especially after we have seen the total bankruptcy of man-invented
ideologies and systems, and when the Prophetic outcry against those who
"misrepresent darkness for light and bitterness for sweet" is so much in

It is for this reason also that the Ten Commandments, including such
"under-standable" laws as "thou shalt not steal," etc., are preceded by
"I am G-d, thy G-d."

At the same time, though, the principle of Naaseh v'Nishmah must apply
to all Mitzvoth, it does not, of course, exclude the human intellect
from participating in Torah and Mitzvoth. On the contrary, the human
intellect and its thinking powers must be engaged in Torah and permeated
with Torah.

It must not, however, be the arbiter in matters of Torah and Mitvoth.
Indeed, it must recognize its limitations and subordinate itself to
Naaseh, and in this way the intellect itself is refined and deepened,
and can play its full role.

In all this, the Jewish woman has a dominant place in Jewish life. The
Jewish housewife and mother is the Akeres Habayis, the foundation of the
Jewish home and a pillar of Chinuch [Jewish education], the basis of the
Jewish family, as has often been emphasized before.

It is to be hoped that the thought enunciated above, will find full
expression at the Convention, and will animate all your activities with
Chasidic vitality and enthusiasm, or, to quote your program, with "Torah
energy - light and warmth."

With blessing,

                            RAMBAM THIS WEEK
4 Adar I, 5763 - February 6, 2003

Positive Mitzva 222: Divorce Procedure

This commandment is based on the verse (Deut. 24:1) "Then let him write
her a bill of divorce and place it in her hand." The Torah teaches us
the proper manner through which a Jewish marriage becomes a union of
holiness. If for some reason a marriage must be ended, there are
specific laws that must be followed.

This positive mitzva details the manner in which a couple may divorce.

                        A WORD FROM THE DIRECTOR
                         Rabbi Shmuel M. Butman
As this year is a leap year on the Jewish calendar, there are two months
of Adar, known as Adar Rishon and Adar Sheini, or Adar I and Adar II.
This Shabbat we bless the new month of Adar I.

Our Sages have taught that, just as when the month of Av begins (the
month in which we commemorate the destruction of the Holy Temples in
Jerusalem) we lessen our joy, so, too, when the month of Adar begins, we
increase our simcha - joy and happiness.

In talks before and during the two months of Adar, 5752 (1992), the
Rebbe emphasized the importance of simcha in turning the darkness of
exile into the light of Redemption.

The Rebbe also stressed that, being as there are two months of Adar this
year, there are 60 days during which we are to increase our simcha. More
importantly, in Jewish law, the quantity of 60 has the ability to
nullify an undesirable presence.

Specifically, this concerns food, as we see that if a quantity of milk,
for instance, has accidentally become mixed with meat, if the meat
outnumbers the milk by a ratio of 1:60, the milk is nullified and we may
eat the meat.

Similarly, explains the Rebbe, 60 days of simcha have the ability to
nullify the darkness of the present exile, allowing us to actually turn
the darkness into light.

Concerning the kind of things that should be done to arouse simcha, the
Rebbe suggested that each person should proceed according to his level:
a child, for instance, should be made happy by his parents; a wife by
her husband, and visa versa. The bottom line, my friends, is that the
Rebbe did not let up on encouraging an increase of simcha in all
permissible manners during the entire month.

We must hearken to the Rebbe's words and utilize simcha, especially
during this month, to turn darkness into light, sadness into joy, and
pain and tears into rejoicing with Moshiach in the Final Redemption, may
it take place, as the Rebbe so fervently prayed, teichef umiyad mamash -
immediately, literally.

                          THOUGHTS THAT COUNT
Six years shall he serve, and in the seventh he shall go free. (Ex.

"Six years" symbolizes the six thousand years of the world's existence.
"Shall he serve" refers to our mission to learn Torah and perform the
commandments. "In the seventh" refers to the seventh millennium, when
"he shall go free" - when the Messianic Era shall reign on earth and
G-dliness will no longer be hidden but revealed.

                                            (The Lubavitcher Rebbe)

                                *  *  *

For all manner of transgression...of which he can say, "this is it" (Ex.

Pride is the root of all transgression. The essence of sin is when a
person says of himself - "this is it" - "I am the most important thing
in the whole world!"

                                         (Rabbi Yisrael of Modzitz)

                                *  *  *

If you lend money - kesef. (Ex. 22:24)

The Tzemach Tzedek, the third Chabad-Lubavitch Rebbe, explained that the
Hebrew word for "money" - "kesef" - comes from the root word meaning
"longing and yearning." The soul, he explained, always yearns to go
upward, attaining higher and higher levels of spirituality. "If you lend
money" - G-d "lends" the eternal soul to each of us for a certain period
of time, to dwell in a physical body in this world. It is up to the
individual to utilize that loan to the fullest, taking advantage of
every day that is granted on earth.

                                                        (Hayom Yom)

                                *  *  *

And He will bless your bread and your water, and I will remove sickness
from your midst (Exodus 23:25)

Most illnesses are caused either by food that is ingested, or from an
intensification of internal forces within the body. G-d therefore
promised to send His blessing in both of these areas, blessing the food
one eats - "your bread and water" - and "removing sickness from your
midst" - making sure that illness does not come from within.

                                                        (Kli Yakar)

                                *  *  *

You shall not afflict any widow or orphan (Exodus 22:21)

Whenever Rabbi Levi Yitzchak of Berditchev reached this verse he would
cry out. "Master of the Universe! You instructed us in Your holy Torah
to be kind to widows and orphans, and yet we are like orphans in this
bitter exile! You must therefore take us out of this exile at once!"

                                *  *  *

And He will bless your bread and your water, and I will remove sickness
from your midst (Exodus 23:25)

Most illnesses are caused either by food that is ingested, or from an
intensification of internal forces within the body. G-d therefore
promised to send His blessing in both of these areas, blessing the food
one eats - "your bread and water" - and "removing sickness from your
midst" - making sure that illness does not come from within.

                                                        (Kli Yakar)

                            IT ONCE HAPPENED
Over 400 years ago, there lived a nobleman who served as the chief
advisor to the King in the Spanish Royal Court. When the counselor was
already older, he became very ill. The king ordered the very best
physicians for his dear friend, but all the doctors' efforts failed.
When the counselor was at "death's door," the king sent for his personal
priest to attend to the devout Catholic.

The priest entered the room of the dying man. After administering the
last rights, the priest took one last look at the counselor, whom he too
admired, and left the room looking very sad. The king's doctor returned
to the room and was shocked to see the unconscious counselor actually
moving his lips, then breathing deeply, and finally opening his eyes and
asking for a drink of water. From then on, the patient began to recover

When the counselor was fully recovered, he asked for the priest to visit
him. "First of all," he said to the priest, "I want to thank you for
praying for me when the doctors had given up all hope. I have the
distinct feeling that your prayers helped me; especially the short,
strange prayer that you recited repeatedly."

The priest paled and stammered, "G-d accepts prayers in any language."

"But," persisted the counselor, "I am curious to know what that prayer
was that you whispered into my ear."

"There are certain things that a clergyman must keep secret," answered
the nervous cardinal.

"Listen," said the counselor. "When I lay unconscious, my soul hovering
between life and death, the prayer you said sunk into my brain. I am
sure those were the same words I heard the Marranos call out with their
last breaths as they were burned at the stake. You must be one of the

The priest's face turned ashen. The counselor continued, "It is the duty
of every true Catholic to inform the Inquisition of any suspicious

The priest quietly began his story: "I come from a family of secret
Jews. When I was twelve years old, my father told me this and began to
teach me about commandments I would be obligated to carry out in another
year. When I was fifteen, he enrolled me in the Royal Seminary for the
priesthood. He explained that as a priest I would be able to help my
Jewish brethren. I would have free access to every home without
suspicion and could encourage Jews to keep firm in their Jewishness. If
I won the confidence of the inner circle of the Inquisition, then I
could warn those who were under suspicion. All this, in fact, I was able
to accomplish. G-d protected me from all danger.

"It has been my practice to whisper "Shema Yisrael" in the ear of each
dying person. I do not always know who is or is not a secret Jew. If the
person was born a Christian, he would be none the worse for it. But if
he was a Jew, the holy words of the Shema could awaken in him his Jewish
spark and a feeling of repentance in the last moment of his life, and he
would then feel that he is dying as a Jew."

Both men were quiet now. The counselor broke the silence. "I have no
choice but to put you in the hands of the Inquisition unless you are
prepared to forget everything and from now on behave as a true Christian

"I cannot make such a promise," replied the priest. "I am ready to give
my life for my Jewish faith, as did my ancestors who died at the stake,
with the Shema on their lips."

The royal counselor jumped up and happily embraced the cardinal.

"I, too, was born a Jew, and my parents were also secret Jews like your
own. But my parents died when I was a small child and I was brought up
by my uncle who was the royal counselor. Just before my 13th birthday,
my uncle told me the secret that I was a Jew. He arranged for a teacher
to prepare me for my Bar Mitzva, but that is where my Jewish education
ended. I took over the position of royal counselor upon my uncle's death
and slowly forgot that I was a Jew.

"When I became ill I remembered that I was a Jew and felt troubled and
confused. If only there was some way I could die as a Jew, but the holy
words of the Shema would not come to mind. Then, suddenly, as if in a
dream, I heard those elusive words, "Shema Yisrae." My whole being
became alive again. I made a vow that if G-d let me live, I would return
to the Jewish faith with a whole heart.

"Now that G-d helped me to get well, I figured out a way to fulfill my
vow. I will go before the king and tell him that at the height of my
sickness, I made a solemn vow that if G-d would spare me, I would settle
in the Holy Land to spend my remaining years in seclusion and holiness.
I would ask the king a special favor; to allow you, my dear friend, to
join me, to be my spiritual mentor and teacher in my old age. He would
not, of course, even suspect that both of us are secret Jews."

Words could not express the joy which the "priest" felt. The king, in
fact, agreed to all of the requests of his loyal counselor and allowed
the "priest" to accompany him. Amidst great honor, the counselor and the
priest left the shores of Spain. They eventually made it to the Holy
Land and settled in Sfat.

                            MOSHIACH MATTERS
In our days the Redemption has to be hurried along, in the spirit of the
prophetic promise, "I shall hasten it." Hence all the activities that
are undertaken in preparation for the Redemption should be done in
haste, for the above promise indicates not only priority (as opposed to
postponement), but also speedy performance.

            (The Lubavitcher Rebbe, eve of Rosh Hashana, 5742-1981)

               END OF TEXT - L'CHAIM 755 - Mishpatim 5763

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