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	<title>Rabbi Jill Jacobs &#8211; Jewcy</title>
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	<title>Rabbi Jill Jacobs &#8211; Jewcy</title>
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		<title>A Not-So-Sweet Cookie Story</title>
		<link>https://jewcy.com/post/notsosweet_cookie_story?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=notsosweet_cookie_story</link>
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		<dc:creator><![CDATA[Rabbi Jill Jacobs]]></dc:creator>
		<pubDate>Fri, 19 Jun 2009 04:59:33 +0000</pubDate>
				<category><![CDATA[Posts]]></category>
		<category><![CDATA[Politics]]></category>
		<guid isPermaLink="false">http://beta.jewcy.com/?p=23521</guid>

					<description><![CDATA[<p>In my childhood, Shabbat never felt complete without Stella D&#8217;Oro cookies. For the uninitiated, these are dry cookies whose chief (or only) advantage is that they are parve (dairy free) and therefore can be eaten for dessert after a meat meal. I was especially partial to the Swiss Fudge flavor, which featured a dollop of&#8230;</p>
<p>The post <a rel="nofollow" href="https://jewcy.com/post/notsosweet_cookie_story">A Not-So-Sweet Cookie Story</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p> In my childhood, Shabbat never felt complete without Stella D&#8217;Oro cookies. For the uninitiated, these are dry cookies whose chief (or only) advantage is that they are parve (dairy free) and therefore can be eaten for dessert after a meat meal. I was especially partial to the Swiss Fudge flavor, which featured a dollop of chewy fudge in the middle of an otherwise-bland cookie-if you nibbled away the outside first, you could enjoy a few bites of pure fudge at the end. </p>
<p> I have since stopped eating meat and have learned to bake, thereby eliminating the need for parve supermarket cookies, but still have a soft place in my heart for Stella D&#8217;Oro. I was therefore upset to hear recently that workers at the cookie-maker&#8217;s Bronx factory <a href="http://www.nytimes.com/2008/12/27/nyregion/27metjournal.html?_r=2" target="_blank">went on strike </a>this past summer, and even more upset that this strike has attracted (as far as I can tell) virtually no notice in the Jewish community. </p>
<p> In 2006, Brynwood Partners bought Stella D&#8217;Oro from Kraft Foods. As soon as the contract of the existing 136 workers ran out in the summer of 2008, the new management demanded that the workers accept pay cuts of up to 26% and begin contributing to their health insurance plan. The workers scheduled to bear the brunt of this pay cut would be the women who package the cookies. (Brynwood has classified certain jobs-mostly those held by men-as &quot;skilled&quot; and thus subject to smaller paycuts.) The workers walked out in August. </p>
<p> The Jewish community has already demonstrated an ability to change Stella D&#8217;Oro policy. A few years ago, the company decided, for financial reasons, to start using dairy ingredients in the aforementioned Swiss Fudge cookies. Jews around the country rose up as one and demanded justice. Faced with the possibility of losing its primary (or only) customer base, Stella D&#8217;Oro quickly reversed the decision to dairy-fy the cookies, and returned to purchasing parve fudge filling. </p>
<p> Will we harness this same economic power to save the livelihoods of 136 Bronx families? </p>
<p> <!--break--> How you can help: </p>
<p> 1.	Support the families of striking workers by making a contribution to the strike fund. Send donations to: </p>
<p> BCTGM Local 50  Attn: Joyce Alston, President  145 Talmadge Road, Suite 17  Edison, NJ 08817 </p>
<p> 2. E-mail Henrik Hartong, Jr., the senior partner of Brynwood, to ask him to maintain workers&#8217; wages and health benefits. Let him know that you won&#8217;t be purchasing Stella D&#8217;Oro cookies in the meantime. </p>
<p> <i>This post originally appeared on The Jew &amp; The Carrot and was reprinted with permission. They are also holding a contest to win a copy of Rabbi Jacobs&#8217; book. </i><i>Click <a href="http://jcarrot.org/there-shall-be-no-needy-win-a-copy-of-rabbi-jill-jacobs-new-book">here</a> to learn how to win her new book </i><a href="http://jspot.org/upload/tsbnndonate.html">There Shall Be No Needy</a>.  </p>
<p>The post <a rel="nofollow" href="https://jewcy.com/post/notsosweet_cookie_story">A Not-So-Sweet Cookie Story</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
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		<title>You Shall Not Steal: Not As Easy As It Looks</title>
		<link>https://jewcy.com/religion-and-beliefs/you_shall_not_steal_not_easy_it_looks?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=you_shall_not_steal_not_easy_it_looks</link>
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		<dc:creator><![CDATA[Rabbi Jill Jacobs]]></dc:creator>
		<pubDate>Sun, 03 May 2009 02:12:46 +0000</pubDate>
				<category><![CDATA[Religion & Beliefs]]></category>
		<guid isPermaLink="false">http://beta.jewcy.com/?p=23413</guid>

					<description><![CDATA[<p>Liberal Jews, myself included, love to quote biblical verses about the care of the poor, the widows, the orphans, and the strangers. We feel good knowing that our tradition demands ethical behavior, and point to these verses as evidence that ritual practice is not the end all and be all of Jewish life. But how&#8230;</p>
<p>The post <a rel="nofollow" href="https://jewcy.com/religion-and-beliefs/you_shall_not_steal_not_easy_it_looks">You Shall Not Steal: Not As Easy As It Looks</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p> Liberal Jews, myself included, love to quote biblical verses about the care of the poor, the widows, the orphans, and the strangers. We feel good knowing that our tradition demands ethical behavior, and point to these verses as evidence that ritual practice is not the end all and be all of Jewish life. </p>
<p class="MsoNormal"> <o:p></o:p>But how many of us actually take these verses seriously?<o:p></o:p> </p>
<p class="MsoNormal"> This week’s <i>parashah </i>lays out some of the basic principles for agricultural <i>tzedakah</i>:  </p>
<blockquote>
<p> 	When you reap the harvest of your land, you shall not reap all the way to 	the edges of your field, or gather the gleanings of your harvest. You shall not 	pick your vineyard bare, or gather the fallen fruit of your vineyard; you shall 	leave them for the poor and the stranger: I the Lord am your God. (Leviticus 	19:9-10) 	</p>
</blockquote>
<p> These laws, known as <i>pe’ah </i>(the corners of the field), <i>leket </i>(fallen produce), along with <i>shikh’cha </i>(forgotten produce) serve as precedent for later laws of <i>tzedakah</i>. While the Torah does not specify the minimum amount that an individual must give to <i>tzedakah</i>, the rabbis mandate giving at least ten percent of one’s income. </p>
<p> Immediately after presenting these laws of <i>tzedakah</i>, the Torah continues, “You shall not steal.” (19:11). At least one classical commentator, Abraham Ibn Ezra, understands this juxtaposition to mean that failure to give <i>tzedakah </i>constitutes stealing. </p>
<p> Jewish law prohibits “<i>gozel ‘aniyyim</i>”—stealing from the poor. Ordinarily, this prohibition refers to cases in which a person who is ineligible for <i>tzedakah</i> takes from communal <i>tzedakah</i> funds, thereby leaving insufficient money for those who are actually in need.  </p>
<p> In one <i>teshuvah </i>(legal opinion), the contemporary scholar, <a href="http://en.wikipedia.org/wiki/Tzitz_Eliezer" target="_blank">Rabbi Eliezer Waldenburg</a> (aka the “Tzitz Eliezer”, 1915-2006) uses the category of <i>gozel ‘aniyyim</i> also to forbid spending money set aside for <i>tzedakah </i>to fulfill another <i>mitzvah</i>, such as writing a Torah scroll.  </p>
<p> Earlier this week, <a href="/post/tzedakah_philanthropy_and_tax_breaks#" target="_blank">I wrote about</a> Peter Singer’s controversial suggestion that only money donated to anti-poverty programs should be eligible for tax deductions. I suggested that, while the IRS cannot reasonably get involved in determining what counts as poverty relief, that individual Jews should dedicate our <i>tzedakah </i>money—meaning ten percent or more of our income—to ending poverty. We can argue endlessly about how best to eradicate poverty, but should at least be able to justify to ourselves that ten percent or more of our income is contributing to the creation of a more equitable world. <i><o:p></o:p></i> </p>
<p class="MsoNormal"> In today’s economic climate, we are asked constantly to contribute money to one <i>mitzvah </i><span>or another. On top of all of these solicitations, we try to save enough money to survive a job loss or salary reduction, and to prepare for our families’ future. But the obligation to give </span><i>tzedakah</i><span> is not a luxury reserved for good times. Nor can we count every donation, regardless how worthy, as </span><i>tzedakah</i><span>. Taking the prohibition against </span><i>gozel ‘aniyyim</i><span> seriously means setting aside ten percent </span><i>no matter what</i><span> for bringing about the end of poverty. <o:p></o:p></span> </p>
<p class="MsoNormal"> <span><o:p></o:p>It’s easy to feel good about quoting verses mandating care of the poor. Will we also commit ourselves to not stealing?<o:p></o:p></span> </p>
<p class="MsoNormal"> <span></span> </p>
<p>The post <a rel="nofollow" href="https://jewcy.com/religion-and-beliefs/you_shall_not_steal_not_easy_it_looks">You Shall Not Steal: Not As Easy As It Looks</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
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		<title>Swine Flu Xenophobia: Not Kosher</title>
		<link>https://jewcy.com/post/swine_flu_xenophobia_not_kosher?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=swine_flu_xenophobia_not_kosher</link>
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		<dc:creator><![CDATA[Rabbi Jill Jacobs]]></dc:creator>
		<pubDate>Sat, 02 May 2009 02:15:03 +0000</pubDate>
				<category><![CDATA[Posts]]></category>
		<category><![CDATA[Politics]]></category>
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					<description><![CDATA[<p>In the course of just a few days, incidents of swine flu have been reported from as far away as New Zealand, and as close as a few blocks from my Manhattan apartment.  The WHO is warning of an international pandemic, and health professionals ranging from school nurses to emergency room doctors are undergoing a&#8230;</p>
<p>The post <a rel="nofollow" href="https://jewcy.com/post/swine_flu_xenophobia_not_kosher">Swine Flu Xenophobia: Not Kosher</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p> In the course of just a few days, incidents of swine flu have been reported from as far away as <st1:country-region w:st="on">New Zealand</st1:country-region>, and as close as a few blocks from my <st1:city w:st="on"><st1:place w:st="on">Manhattan</st1:place></st1:city> apartment.<span>  </span>The WHO is warning of an international pandemic, and health professionals ranging from school nurses to emergency room doctors are undergoing a crash course in identifying the symptoms of the disease.<o:p></o:p> </p>
<p> Because the disease seems to have originated in <st1:country-region w:st="on">Mexico</st1:country-region>, some conservatives have seized this opportunity to demand that the <st1:country-region w:st="on">United States</st1:country-region> close the border with <st1:place w:st="on"><st1:country-region w:st="on">Mexico</st1:country-region></st1:place>. <a href="http://www.nytimes.com/2009/04/30/health/30flu.html?hp" target="_blank">According to the World Health Organization</a>, such measures would be ineffective in stopping the spread of the disease. Even though the disease seems to have entered the <st1:country-region w:st="on">United States</st1:country-region> via American tourists to <st1:country-region w:st="on"><st1:place w:st="on">Mexico</st1:place></st1:country-region>, there is a real chance that immigrants will be stigmatized as the bearers of disease.<span>  </span>To cite just one <a href="http://www.rightsidenews.com/200904274547/editorial/swine-flu-immigration-death-disease-and-consequences-for-americans.html" target="_blank">anti-immigrant commentator</a>: </p>
<blockquote>
<p class="MsoNormal"> 	The recent outbreak of Swine flu in <st1:country-region w:st="on">Mexico</st1:country-region> and over 40 cases in the <st1:country-region w:st="on">United States</st1:country-region> exposes yet another aspect of mass 	immigration into the <st1:country-region w:st="on"><st1:place w:st="on">United 	States</st1:place></st1:country-region>.  Such outbreaks of diseases 	stem from cultures that lack personal hygiene, personal health habits and 	standards for disease prevention. . . .<o:p></o:p> 	</p>
<p> 	Why?  Short answer: culture and customs.  The Bird flu spreads 	across <st1:place w:st="on">Asia</st1:place> because people live and sleep with 	their chickens, with their pigs, with their livestock.  It&#8217;s their 	culture.  They live in such compacted numbers that they cannot move toward 	healthy paradigms. <o:p></o:p> 	</p>
</blockquote>
<p class="MsoNormal"> Blaming immigrants for introducing disease into the <st1:country-region w:st="on"><st1:place w:st="on">United States</st1:place></st1:country-region> is not a new phenomenon. In <i>Silent Travelers: Germs, Genes, and the “Immigrant Menace” </i>(Baltimore: Johns Hopkins, 1994), Alan M. Kraut traces the ways in which various immigrant groups, including the Irish, Italians, Jews, and Haitians, have been accused of spreading diseases ranging from typhoid to polio to tuberculosis to AIDS.  </p>
<p class="MsoNormal"> <o:p> </o:p> </p>
<p class="MsoNormal"> In the late nineteenth and early twentieth century, tuberculosis was often known as the “Tailor’s Disease” or the “Jewish Disease.” Because the disease spreads quickly among people living in cramped quarters, poor immigrants living in tenements were more likely to contract TB than wealthier Americans were.In 1908, Dr. Manly H. Simons, the medical director of the US navy had this to say about Jews and disease: </p>
<p class="MsoNormal"> &nbsp; </p>
<blockquote>
<p class="MsoNormal"> 	The poorer classes of Jews are 	very unsanitary; they work and live in dirty and badly ventilated 	quarters. . . as a type, Jews are beginning to show mental and physical 	degredation as evidenced by the great variability of development, great 	brilliancy, idiocy, moral perversity, epilepsy, physical deformity, 	anarchistic and lawless tendencies.&quot; (qtd in Kraut 145)  	</p>
</blockquote>
<p class="MsoNormal"> <o:p> </o:p> </p>
<p class="MsoNormal"> The Jewish community responded by establishing hospitals to care for Jewish patients with TB and with other communicable diseases. At the time, most hospitals admitted only patients with physical injuries, and would not treat anyone with a communicable disease. Wealthier patients would not enter hospitals, but instead would receive private medical care at home. Jewish hospitals opened their doors first to Jewish patients with contagious diseases, and then to any patient with such an illness. These hospitals not only treated sick people of all ethnic backgrounds, but also helped to reduce the stigma of disease and to alleviate fears of an immigrant-borne plague.  </p>
<p class="MsoNormal"> &nbsp; </p>
<p class="MsoNormal"> Will swine flu be the TB of the twenty-first century? I certainly hope not. I hope that this disease, like many public health scares before, disappears quickly befor reaching pandemic status. And whatever happens, I hope that the anti-immigration folks fail to turn today&#8217;s Mexicans into yesterday&#8217;s Jews. </p>
<p class="MsoNormal"> <o:p></o:p> </p>
<p class="MsoNormal"> <o:p></o:p> </p>
<p>The post <a rel="nofollow" href="https://jewcy.com/post/swine_flu_xenophobia_not_kosher">Swine Flu Xenophobia: Not Kosher</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
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		<title>Social Change, Every Which Way</title>
		<link>https://jewcy.com/post/social_change_every_which_way?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=social_change_every_which_way</link>
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		<dc:creator><![CDATA[Rabbi Jill Jacobs]]></dc:creator>
		<pubDate>Fri, 01 May 2009 03:48:29 +0000</pubDate>
				<category><![CDATA[Posts]]></category>
		<category><![CDATA[Politics]]></category>
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					<description><![CDATA[<p>I recently returned from a whirlwind, thirty-two hour tour of LA, during which I spoke with students and faculty of Hebrew Union College and of the American Jewish University, with alumni of the Progressive Jewish Alliance’s Jeremiah Fellows program, and with a number of other community members.  Using my book as a starting point, we&#8230;</p>
<p>The post <a rel="nofollow" href="https://jewcy.com/post/social_change_every_which_way">Social Change, Every Which Way</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p class="MsoNormal"> I recently returned from a whirlwind, thirty-two hour tour of LA, during which I spoke with students and faculty of <st1:place w:st="on"><st1:placename w:st="on">Hebrew</st1:placename> <st1:placename w:st="on">Union</st1:placename> <st1:placetype w:st="on">College</st1:placetype></st1:place> and of the American Jewish University, with alumni of the Progressive Jewish Alliance’s Jeremiah Fellows program, and with a number of other community members.<span>  </span>Using my book as a starting point, we ventured into wide-ranging conversations about Judaism, social justice, power, the role of rabbis and other community leaders in justice work, and the most effective means of social change.  </p>
<p class="MsoNormal"> <o:p></o:p>The question that arose most frequently concerned the most effective means of making change. Many of us have experience primarily with one mode of action: we may volunteer in a local service project, give money to <i>tzedakah</i>, write letters about policy issues, participate in an organizing effort, or speak publicly about issues close to our heart.  </p>
<p class="MsoNormal"> Even those of us who may take part in multiple means of social change often find ourselves debating the relative merits of various modes of change: people devoted to organizing and advocacy look down at those doing service for focusing only on the immediate need, without trying to solve the problem in the long run; people who do service dismiss organizing as too slow to address current issues; those who do hands-on work find check-writing too passive; those who focus on <i>tzedakah</i> point out that most organizations need money more than volunteers. And on and on. </p>
<p class="MsoNormal"> There is, of course, no answer to this endless debate. Without organizing, the most passionate speeches will do little good; without these passionate speeches, few will feel moved to action. Without policy change, we will never end hunger, homelessness, or exploitatio; without direct service, people will go hungry and without shelter until policies change.  </p>
<p class="MsoNormal"> I decided to name my book <i>There Shall be No Needy</i> because I wanted a name that was aspirational. I wanted to push us, as a community, to think broadly about our responsibility to create a world without poverty or other forms of suffering. But those who recognize the biblical reference will remember that, in the book of Deuteronomy, God makes this promise&#8211;that there will be no needy in the land, and almost immediately follows up with a warning to give <i>tzedakah</i> when asked, as the poor will never disappear.  </p>
<p class="MsoNormal"> I read this apparent contradiction as a challenge to maintain our focus both on the long-term goal, and on the short-term alleviation of suffering. If we put all of our efforts toward policy change, people will starve while we negotiate politics. If we put all of our efforts toward meeting immediate needs, we will never achieve a more just world.  </p>
<p class="MsoNormal"> A friend of mine, also a rabbi, tells the story of taking a group of high school students to volunteer at a homeless shelter. At the end of the evening, one of the students turned to him and said, &quot;this was such a fantastic experience! Every kid should get to volunteer at a homeless shelter.&quot;  </p>
<p class="MsoNormal"> When we become so focused on either meeting the immediate needs of a homeless person, or on our own feeling of self-fulfillment through teh volunteer experience, we have lost sight of the promise that &quot;there shall be no needy&quot; and of the obligation to work toward this ideal. On the other hand, when we turn down our noses at service as providing only a band-aid solution, we ignore the second part of the biblical text, which reminds us to care for each and every person who asks for help. </p>
<p class="MsoNormal"> What&#8217;s the best way to create social change? An impossible question to answer&#8211;we might have to start by doing everything. </p>
<p>The post <a rel="nofollow" href="https://jewcy.com/post/social_change_every_which_way">Social Change, Every Which Way</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
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		<title>See-Thru Credit Cards</title>
		<link>https://jewcy.com/religion-and-beliefs/seethru_credit_cards?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=seethru_credit_cards</link>
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		<dc:creator><![CDATA[Rabbi Jill Jacobs]]></dc:creator>
		<pubDate>Thu, 30 Apr 2009 01:59:05 +0000</pubDate>
				<category><![CDATA[Religion & Beliefs]]></category>
		<category><![CDATA[Politics]]></category>
		<guid isPermaLink="false">http://beta.jewcy.com/?p=23401</guid>

					<description><![CDATA[<p>Several years ago, an acquaintance stole my identity and opened several credit cards in my name. I learned of the theft only when she ceased to be able to pay even the minimum amount due, and I became the unhappy recipient of several daily calls from menacing collection agents.  In the process of sorting out&#8230;</p>
<p>The post <a rel="nofollow" href="https://jewcy.com/religion-and-beliefs/seethru_credit_cards">See-Thru Credit Cards</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p> Several years ago, an acquaintance stole my identity and opened several credit cards in my name. I learned of the theft only when she ceased to be able to pay even the minimum amount due, and I became the unhappy recipient of several daily calls from menacing collection agents.   </p>
<p> In the process of sorting out the resultant mess, I learned more than I wanted to know about the dangers of credit cards. I discovered how quickly fees add up when bills are not paid, and how eager credit card companies are to raise rates for delinquent customers. From one company&#8217;s diligent and helpful inspector, I heard unfortunate stories about financially-desperate parents who take out credit cards in the name of a minor, only to learn later that they have inadvertently ruined their child&#8217;s credit rating. From reading the credit card bills attributed to me, I was reminded how quickly small and necessary expenses—such as food and gas—can add up to unmanageable debt. In the end, I did not press charges against my acquaintance, both because I did not want to send one more person into our broken criminal justice system, and because I recognized her act as a desperate attempt to care for her family on an insufficient income. The fact that she would spend several years paying back the credit card companies seemed punishment enough.     Most people who get into credit card trouble are not doing anything illegal. And, while some use credit cards to buy luxuries that they can ill afford, many others rely on credit cards to buy food, pay medical bills, and manage other daily expenses when there is little cash on hand.     Even I, who am always careful to pay my credit card bills in full and on time each month, am mystified by much of the small print on the back of my statements, and the periodic letters I receive informing me that some obscure condition or another has changed in a way that only an accountant could understand. I was shocked, for instance, earlier this year to learn from a financial advisor that the company that issues one of my credit cards had begun imposing an annual fee; though I had read every one of the letters I received from this company, I had missed this crucial detail buried somewhere in the legalese.  </p>
<p> <!--break-->  In Jewish law, there is a category of prohibition known as <i>g&#8217;neivat da&#8217;at </i>— literally, stealing someone&#8217;s knowledge. This prohibition describes cases in which one person knowingly tricks another — say, by selling a lemon without revealing the car&#8217;s flaws. Technically, credit card companies that institute arcane policies are not guilty of <i>g&#8217;neivat da&#8217;at</i>, as these companies always fulfill the legal requirement to inform customers of changes to the account. However, when even a person with a graduate school education cannot always understand the descriptions of these changes, one wonders whether the credit card companies intend to inform or confuse. If the intention is the latter, then we might find the companies guilty of <i>g&#8217;neivat da&#8217;at</i>, and not hold the consumer liable for mistakes made as a result of this confusion.    The Torah famously forbids charging interest on loans. This prohibition becomes a bit more complicated in later law, as the establishment of banks and other financial systems requires that individuals and institutions be able to take interest from one another. Today, observant Jews are able to use, work in, and operate banks because of a legal accommodation, known as <i>heter iska</i> (permission to do business) that skirts the blanket biblical prohibition on interest.     Still, rabbinic discussions of interest shed light on some of the problems of the credit card industry. One rabbinic text notes that the word &quot;<i>neshekh</i>&quot; &quot;interest&quot; comes from the word &quot;to bite,&quot; and compares interest to a snake bite, which may not hurt at first, but eventually becomes unbearable as the venom begins to have its effect. (<i>Sh&#8217;mot Rabbah</i> 31:5)    I am thrilled that President Obama has taken on the issue of ensuring transparency in credit card rules, and of eliminating some of the more insidious fees and penalties.     Credit cards are not all bad. Credit cards allow for easy tracking of expenses, help people to get by until pay day, and offer frequent flyer miles and even money toward college tuition. And individuals should be held responsible for the irresponsible use of credit cards. But for the vast majority of Americans who try to be responsible credit card customers, who pay at least the minimum bill on time, credit card companies should be held accountable for providing easy-to-understand information and for avoiding excess fees that slowly &quot;bite.&quot; </p>
<p>The post <a rel="nofollow" href="https://jewcy.com/religion-and-beliefs/seethru_credit_cards">See-Thru Credit Cards</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
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		<title>Tzedakah, Philanthropy, and Tax Breaks</title>
		<link>https://jewcy.com/religion-and-beliefs/tzedakah_philanthropy_and_tax_breaks?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=tzedakah_philanthropy_and_tax_breaks</link>
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		<dc:creator><![CDATA[Rabbi Jill Jacobs]]></dc:creator>
		<pubDate>Wed, 29 Apr 2009 03:00:56 +0000</pubDate>
				<category><![CDATA[Religion & Beliefs]]></category>
		<guid isPermaLink="false">http://beta.jewcy.com/?p=23398</guid>

					<description><![CDATA[<p>The always-provocative Peter Singer has a fascinating column in this week&#8217;s Forward in which he argues that charitable giving that benefits the poor should be eligible for tax breaks, but that giving to philanthropies that do not work on poverty issues should not.   In my new book I point out that, according to UNICEF, 27,000&#8230;</p>
<p>The post <a rel="nofollow" href="https://jewcy.com/religion-and-beliefs/tzedakah_philanthropy_and_tax_breaks">Tzedakah, Philanthropy, and Tax Breaks</a> appeared first on <a rel="nofollow" href="https://jewcy.com">Jewcy</a>.</p>
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										<content:encoded><![CDATA[<p> The always-provocative Peter Singer has a fascinating <a href="http://forward.com/articles/105039/" target="_blank">column</a> in this week&#8217;s Forward in which he argues that charitable giving that benefits the poor should be eligible for tax breaks, but that giving to philanthropies that do not work on poverty issues should not.    </p>
<blockquote><p> 	In my new book I point out that, according to UNICEF, 27,000 children under 5 die every day around the world from avoidable, poverty-related causes. That’s an emergency that we ought to be doing much more to prevent. If Obama were to increase the tax deduction for donations aimed specifically at reducing that terrible death toll, and the extreme poverty that causes it, I’d applaud.  	  	But that doesn’t mean that I want to subsidize every charitable donation made by an American taxpayer. By far the largest slice of the roughly $300 billion dollars that Americans give to charity goes to religious organizations. I’m not religious, and I don’t see why people should pay less in taxes because they give to their church, synagogue or mosque.  	  	No doubt some religious organizations do some good, but others definitely don’t. . .  	  	I also don’t want to subsidize all of the museums, art galleries, theaters and performing arts organizations that are registered as charities. . .  	  	In the United States, public schools in poor districts tend to start from behind when it comes to funding, because the property tax base just isn’t there. And rich school districts can tip the balance even further in their favor because their residents can better afford to donate money to their local schools. Such giving is often done through tax-deductible donations to nonprofit organizations and foundations that channel money to specific schools and districts. Since the rich are taxed at a higher rate than the poor, and are more likely than other taxpayers to itemize their deductions, the government actually gives an additional subsidy to schools in affluent districts. </p></blockquote>
<p> Ultimately, Singer&#8217;s suggestion that the government should distinguish between charitable organizations that alleviate poverty and those that do not seems untenable. Virtually every non-profit can make an argument that it works on poverty in some way. Even the largest university can point out the amount of financial aid given to students in need, many cultural institutions offer public education programs for schools in low-income areas, and virtually every religious institution does some kind of service work. It doesn&#8217;t seem reasonable for the government to try to sort out whether gifts to a church that hosts a soup kitchen should be tax deductible, or whether only gifts to organizations that devote the majority of their budgets to poverty relief should be eligible. The reason that tax guidelines for non-profit donations are so broad is that the government doesn&#8217;t want to get involved in deciding which organizations are worthy and which aren&#8217;t, lest we end up with government subsidies only for groups with one political agenda or another. </p>
<p> <!--break--> But Singer does tap directly into the very Jewish question of the distinction between <i>tzedakah</i> and other kinds of philanthropic giving. Though he is not one to speak from a Jewish text perspective, he (unwittingly?) precisely defines one of the problems with the way in which we often speak about <i>tzedakah</i>.    Quite simply, <i>tzedakah</i> refers to monetary or other material support for the poor. So&#8211;giving money, food, clothing, medicine, or even spiritual sustenance such as books to those in financial need is <i>tzedakah</i>. Giving money for other purposes is not. In one teshuvah (legal opinion), the contemporary legal authority, <a href="http://en.wikipedia.org/wiki/Tzitz_Eliezer" target="_blank">Rabbi Eliezer Waldenburg</a> counts buying books for a synagogue library as <i>tzedakah</i>, as these will be lent to those who cannot afford their own books, but draws the line at buying candles or other items that will help the synagogue but will not directly benefit the poor. (<i>Tzitz Eliezer</i>, 9:1)    This is not to say that there is no obligation to give to institutions that do not directly benefit the poor. In fact, rabbinic law mandates sharing in the cost of public infrastructure. However, such donations do not count for the 10-20% of income that Jews are obligated to dedicate for <i>tzedakah</i>.    In the Jewish world, we often speak of <i>tzedakah</i> as interchangeable with philanthropy. We classify as <i>tzedakah</i> gifts to synagogues, JCCs, cultural institutions, and schools, as well as gifts to social service agencies, community organizing groups, and anti-poverty advocacy initiatives. This slippery use of language probably owes a lot to the IRS&#8217;s lack of distinction among different kinds of non-profits. We are used to itemizing all deductions to 501(c)3 organizations, and therefore begin to think of all of these deductions as <i>tzedakah</i>.     And, of course, as I said, the line between organizations that work on poverty issues and those that do not is not always clear. If I allocate my university donation for financial aid, is that <i>tzedakah</i>, even though I know that the vast majority of university expenditures do not directly benefit low-income students? What about supporting an advocacy effort to raise the minimum wage, even though the benefits may be far in the future? What about a donation to build a local park that will be available for families of all income levels?     While there are no easy answers to these questions, simply asking these questions forces us to think more seriously about the ways in which we allocate our own personal and communal <i>tzedakah</i>. When I choose where to give my own 10-20% of income, I at least have to justify to myself that the recipients address poverty in some significant way. Other giving&#8211;to my prayer community, to my alma mater, or to cultural institutions comes out of regular expenses&#8211;even if I do declare these gifts to the IRS at the end of the year.    During these economic times, many of us are cutting back on our giving because we have lost our jobs or fear losing our jobs; or because we have lost money in our savings accounts, or simply fear what the future may bring. Of course, low-income communities are suffering disproportionately from the new scarcity of resources.     As the need grows, those of us who can afford to do so should increase our <i>tzedakah</i> giving beyond the bare minimum of 10%. Those of us who cannot afford to give more now might think about how to allocate our money so that the giving that we count as <i>tzedakah</i> does, in fact, meet the requirement that <i>tzedakah</i> should alleviate&#8211;and ultimately end&#8211;poverty.  </p>
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