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January 29, 2004

Community Briefs

Workers Owe Win to Bet Tzedek

Bet Tzedek has won a significant victory for low-paid Latino and Asian garment workers, successors to the Jewish immigrants who labored in sweatshops a century ago. The settlement, reached by the free legal counseling service, is somewhat technical, but is likely to have a major impact on California’s $22 billion apparel industry, employing 140,000 workers.

In essence, a large-scale retailer agreed in the settlement that it bears a responsibility if one of its contractors, who actually make the clothing, underpays its workers.

The case pitted four Latina workers, represented by Bet Tzedek, against Wet Seal, an Orange County-based company with 619 stores in 47 states selling so-called private label apparel aimed at the hip preteen and teen girls market. The workers were employed by one of the 800 small sewing and manufacturing contractors used by Wet Seal around the country. For several years, the women charged, they worked about 68 hours a week for D.T. Sewing and were never paid more for regular and overtime work than $4 an hour. The California minimum hourly wage is $6.75.

After the workers filed claims, under a new state law, against D.T. Sewing and Wet Seal, the state labor commissioner awarded the workers $240,000 for back pay and damages, of which Wet Seal’s liability was $90,000. D.T. Sewing promptly went out of business without paying the workers, not an unusual tactic of the small shops, which typically employ 30-50 workers and are often undercapitalized and fly-by-night, said attorney Cassy Stubbs, who led the case as head of Bet Tzedek’s employment rights project.

Wet Seal first appealed its $90,000 assessment to the courts, but last week decided to settle. In addition to the money for the workers, the company pledged to contribute $40,000 to Bet Tzedek’s ongoing efforts on behalf of garment industry workers. From now on, “Wet Seal will not do business with manufacturers that treat their workers unfairly and unlawfully,” said Peter D. Whitford, Wet Seal’s recently appointed CEO.

“I think Wet Seal’s action will make other retailers quite nervous and that they will fall in line,” said Stubbs, who was joined by pro bono co-counsel Paul Chan.

Mitch Kamin, executive director of Bet Tzedek, said that “We will continue to be firmly committed to help the most vulnerable members of our population, who make our economy function and are so often exploited.” — Tom Tugend, Contributing Editor

Spreading Local Activism

Some 200 young Jewish professionals filled five meeting rooms and one ballroom at the Millennium Biltmore Hotel in downtown Los Angeles New Leaders Project (NLP) on Jan. 25.

“I met a lot of smart, talented, engaged people who know that the best of Jewish tradition means that you don’t just look out for your comfort and well-being, but you try to transform the community around you,” said NLP 2004 graduate Eric Greene, also a vice president of the Progressive Jewish Alliance. “Even in communities that are not predominantly Jewish, we still have a stake in caring about those communities and our collective futures.”

The daylong event attempted to inspire interest in local activism, and was sponsored by the New Leaders Project Class of 2004, an adjunct program of The Jewish Federation of Greater Los Angeles. With money from the Saban Family Foundation and Jewish Community Foundation, the Sunday event included 10 panel discussions and a short graduation ceremony with certificates given to NLP graduates.

Jews make up only 6 percent of the City of Los Angeles’ population, panelists said, but usually cast 18 percent of total votes in city elections. Yet faced with a general indifference to local politics, said Bruce Bialosky, Southern California of the Republican Jewish Coalition, Jewish voters instead will keep gravitating to larger issues such as Israel.

“We are now focusing back on our own self-interest,” he said. “Without Israel, the Jewish people will not exist in the future.”

“Life is more complicated for Jews now than it has ever been,” said Raphael Sonenshein, a political science professor at Cal State Fullerton. “There really is a distinctive Jewish political vision of American society and it’s not captured entirely by either party.”

The conference attracted six first- and second-generation Iranian Americans who are less tethered than their parents to distinctly Persian local Jewish life. “People our age, the younger ones who are just starting our leadership activity in the Jewish community, we’re more likely to integrate,” said Lida Tabibian, 26, a computer consultant.

Panel discussions on social services, transportation and race relations were less crowded than a well-attended dialogue on civil liberties. There, Loyola Law School professor Laurie Levenson and University of Southern California law professor Erwin Chemerinsky criticized the federal anti-terrorist Patriot Act, which was defended by Los Angeles District Attorney Steve Cooley and Luis Flores, chief division counsel for the Los Angeles FBI office.

Many panelists shared their inspiration to activism. Writer David Levinson created Temple Israel of Hollywood’s “Big Sunday” volunteer day with 300 people in 1999; about 2,500 people are expected to volunteers this year at 70 local nonprofit agencies for this year’s Big Sunday on May 2.

“Everybody has something to offer somebody else,” he said. — David Finnigan, Contributing Writer

It’s a Wrap, Kid

Conservative men will be wrapped up a little more than usual this Sunday.

The Federation of Jewish Men’s Clubs is putting out posters and ads with slogans like “Get Into Leather” in hope of enticing men who don’t usually wrap tefillin, let alone make it to morning minyan, to attend the fourth annual World Wide Wrap at participating Conservative synagogues on Feb. 1. This year the group has emphasized its youth outreach program, Dor V’Dor, and expanded its twining program, which links American Conservative synagogues with congregations in other countries to share ideas about making the mitzvah of tefillin more appealing.

At least 10 Southern California Conservative congregations have registered to participate in the Wrap, but more are expected to jump on board in the days leading up to the event. The Dor V’Dor program encourages Hebrew school students to attend the Wrap and asks that they bring along their parents, who may not have put on tefillin themselves in 20 or 30 years.

“What we’re trying to do is to show that it’s not that complex or uncomfortable,” said Myles Simpson, Wrap committee member for the federation’s western region and a member of Etz Chaim in Thousand Oaks. “And by encouraging someone to do it once, then maybe he’ll do it again. And maybe if he does it, then he’ll get his kids involved.”

For information about the World Wide Wrap in your area,visit www.worldwidewrap.org  or call (800) 288-3562. — Adam Wills, Associate Editor

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No Local Plans to Quench ‘Passion’

Jewish leaders are talking — but also wary of talking too much — about filmmaker Mel Gibson’s controversial religious film, "The Passion of the Christ," opening Feb. 25.

"My fear would be an overreaction on the part of the Jewish community. It raises, to high prominence, Gibson and makes him a theologian," said Rabbi Harold Schulweis of the Conservative Valley Beth Shalom in Encino. "There is nothing that would be more harmful than raising this up to an issue that I don’t think requires this kind of overreaction."

The film’s reported portrayal of Jews as sinister and largely responsible for Jesus’ death has repulsed leaders of the Anti-Defamation League (ADL) and the Simon Wiesenthal Center. The film’s final cut has not been distributed, but leaders of several Jewish organizations have viewed near-final versions with select Christian audiences.

ADL National Director Abraham Foxman and Wiesenthal Center founder and dean Rabbi Marvin Hier both saw the film and are making continual, public pleas for Gibson to add a pro-tolerance commentary at the end of "The Passion."

"He may realize that doing that does not compromise his view, his creativity and yet it would help to insulate some of the hate," Foxman told The Journal. "I don’t think he’s motivated by anti-Semitism. Sometimes the results of true belief are unintended consequences."

One "Passion" fan site (www.passionmovieinfo.freeservers.com) listed six things Christians can do to support the movie, including, "Pray for Mel," "Pray for this country," and "Pray that the persecutors in the media who hate this film with a ‘passion’ come to know our Lord and Savior Jesus Christ."

Neither Foxman nor Hier want "The Passion" boycotted.

"We have been too frequently the object of boycotts," Foxman said. "It’s your business if you want to see it. The average Jew who wants to see it can see it. Nobody’s being put in herem if they do," he said, referring to the traditional Jewish practice of excommunication.

"What should be done is not in our hands," Hier said, adding that anti-Semites may view the film, "like a dream come true; to have an icon in Hollywood like that put out a movie … that blames the Jews. My opinion is the overwhelming majority of Jews, the tremendous majority of Jews, will be horrified."

Rabbi Gary Greenebaum, executive director of the American Jewish Committee’s Los Angeles office, is trying to understand the film’s deeply religious supporters.

"This is a much larger and more complex issue than simply one of anti-Semitism, which is how some Jewish organizations have construed it," Greenebaum said. "It’s important to deal with the film as a film. Jews need to understand that this is about another person’s religion. It’s not all about us."

Conservative Rabbi Mark Diamond, executive vice president of the Board of Rabbis of Southern California, is exploring possible interfaith activities to negate "The Passion’s" damage, though what the film’s fallout could be is unclear. "I don’t see pogroms in the streets," he said. "Let me be clear here — my concern is long-term, the days after the film, the weeks, and the month and years after the film."

Foxman said that Gibson, an ultra-traditionalist Catholic worshipping at an obscure Catholic sect that rejects much of the Roman Catholic Church’s modern teachings, is positioning the film to Protestant conservatives as religious truth.

"He is selling it in the churches as the gospel truth," Foxman said. "That’s what makes it so troubling; he is wrapping himself in the gospel truth. And he is hawking it as a religious experience."

The University of Judaism (UJ) has scheduled a Feb. 10 panel discussion not on the film but on parallel issues entitled, "Crucifying Jesus: Sacred Texts and Their Contemporary Interpretations, Historic Fears and Contemporary Anxieties." Panelists will include Christian scholars and UJ Holocaust scholar Michael Berenbaum.

Metropolitan Theatres Chair Bruce Corwin said he would screen "The Passion" at one of his two Santa Barbara theaters and not ban it the way he banned the Martin Scorsese film, "The Last Temptation of Christ," which in 1989 was loudly opposed by some of the same fundamentalist Christians now praising "The Passion."

"We’re going to show it because I believe the public has the right to make the decision," said Corwin, adding that after one of the opening weekend’s Santa Barbara screenings, a discussion will take place — "A couple of rabbis and a couple of reverends and have them talk about it."

"Nobody should have any comment until they see it; to just talk about it by virtue of what you have heard is really not fair to the picture," he said. "I really did learn my lesson from ‘The Last Temptation of Christ.’"

No Local Plans to Quench ‘Passion’ Read More »

Will Jesus Film Poison Christian-Jewish Ties?

Jesus will appear on the Christian holy day of Ash Wednesday — thanks to Mel Gibson.

The Hollywood star directed and financed the $25 million epic "The Passion of the Christ," which is emerging from a nearly yearlong media storm and is due to hit 2,000 screens nationwide Feb. 25.

That Gibson’s "The Passion" will premiere is certain. The big question is how a reportedly gory film about the last 12 hours in Jesus’ life, in Aramaic and Latin with subtitles, will play at the local multiplex.

Many Jewish organizational leaders also are waiting to see if a movie they say scapegoats the Jews for the crucifixion will produce legions of Jew-hating moviegoers and poison Christian-Jewish relations for years to come.

"It makes the Romans look like lambs who are being forced [to punish Jesus], and it shows the Jews as bloodthirsty and vengeful and unending in their desire to see him crucified," Abraham Foxman, national director of the Anti-Defamation League, said after emerging from a preview last week.

The movie debuts at a sensitive period in Catholic-Jewish relations. It also reflects a larger struggle within the Catholic Church over whether to continue promoting 40-year-old reforms that include renouncing the notion of collective Jewish guilt for Jesus’ crucifixion, an issue Gibson apparently brings to the silver screen.

"Tied loosely to the film, there is enormous concern on both sides" of the Catholic-Jewish divide "about which direction the church will be going in the post-John Paul II era," said Rabbi Eugene Korn, a Seton Hall adjunct professor and longtime interfaith advocate. "There is contradictory data out there."

Last week, some signs of hope about those ties surfaced in New York, where the World Jewish Congress (WJC) hosted a two-day gathering that brought together 12 cardinals and six chief rabbis from nations as diverse as Angola and Ukraine with a group of Catholic and Jewish scholars.

But even as the interfaith talks took place, the Gibson movie continued to inflame new tensions.

David Elcott, director of interreligious affairs for the American Jewish Committee, also saw the Jesus movie last week at one of the nation’s largest evangelical churches, in a Chicago suburb.

The movie shows the Jews as a "mob spitting, scratching, yelling, pummeling [at Jesus], their faces contorted," Elcott said. "This movie is an assault on our commitment to interreligious dialogue and respect."

Such bitter reviews echoed earlier warnings by a few rabbis who had seen earlier film drafts. They saw them at previews Gibson’s associates staged, which largely preached to the converted — that is, evangelicals and political conservatives.

Running the carefully orchestrated public-relations campaign surrounding the film is a Christian group called Outreach, which runs a Web site promoting the movie and points to rave reviews from Christian clerics and Michael Medved, who is identified as a "Jewish film critic."

Meanwhile, even as the bishops met with rabbis in New York, and the pope met with two top Israeli rabbis last week, another dispute erupted over whether the pope himself endorsed the movie.

A Wall Street Journal columnist was the first to report that an Icon producer succeeded in getting a copy of the movie to the pontiff, who viewed it and, according to an unnamed Vatican source, said, "It is as it was."

Other reports echoed that account, but a senior Vatican aide to the pontiff later dismissed the report, saying the pope "does not give judgments on art."

Ironically, Gibson is a member of a Catholic fundamentalist sect that rejects Vatican authority and opposes its reforms, though Gibson has insisted he is not anti-Semitic.

Gibson "is as mensch as they get," said Icon spokesman Alan Nierob. "He’s a wonderful person who’s just trying to make a good film."

Nierob also dismissed any apparent contradiction between Gibson’s opposition to the Vatican and Icon’s apparent quest for the church’s imprimatur.

"It’s just a matter of building support," he said.

In fact, the past year’s worth of media scrutiny has only helped "in terms of interest awareness" for the movie, Nierob said, and the Outreach Web site is even taking advance ticket orders.

Some think the Jewish attention to the film has only aggravated the situation.

Some Jewish groups "blundered" by helping generate such buzz for a movie that would likely have found few fans, said Elan Steinberg, executive vice president of the WJC.

"I don’t remember the last blockbuster in Aramaic," Steinberg said.

Some signs of goodwill have cropped up in the past year related to the movie.

A group of Catholic and Jewish scholars who specialize in the study of the historical Jesus, and whose views Gibson rejects, criticized the movie as retrograde.

While the furor over the movie is likely to continue, interfaith activists remain confident that it won’t adversely affect progress in Catholic-Jewish relations.

Catholic-Jewish ties "will continue," Korn said. "There are partners on both sides who want it to."

Will Jesus Film Poison Christian-Jewish Ties? Read More »

Into the Mystic

Marcus Weston is a thin, good-looking Londoner who in his casual attire and unobtrusive kippah could pass for typical Pico-Robertson Modern Orthodox guy. On this cool Tuesday night in December, he offers his audience a reassuring smile.

"Kabbalah is very easy," he says, "I keep saying that."

Weston is an instructor at Los Angeles’ Kabbalah Centre on Robertson Boulevard, where he teaches what he calls "the most ancient and secretive of traditions." Tonight he’s making a pitch to about 40 of us gathered at the center, famous for its bevy of celebrity devotees from Mick Jagger to Madonna. The pitch is $270 for a series of 10 classes, billed on the group’s Web site as offering "total fulfillment in life" plus "control over the physical laws of nature."

Less interesting than the Hollywood angle is the tantalizing notion that kabbalah can be put to use by anybody who walks in off the street, Jew or non-Jew. Or so the Kabbalah Centre insists. Why do I doubt it? The center contends that its teachings arise from the Zohar, acknowledged by all Judaic scholars as the touchstone of Jewish mysticism, the principle text of kabbalah. Indeed, after Weston’s introductory lecture I notice that the whole time he had open before him on a lectern a volume of the Zohar, in the original Aramaic. He doesn’t cite from it but the center teaches that merely having the text in your presence "creates an impenetrable shield of spiritual protection" — whether you can read and understand it or not.

However, I’ve been reading the first two volumes of Daniel C. Matt’s impressive new English translation of the Zohar, and finding in those parts of it that are comprehensible no trace of the self-help uplift message I’m hearing from Weston.

Can authentic kabbalah be so easy to access? Taking the form of a commentary on the Torah by the second-century Rabbi Shimon ben Yohai and his students, the Zohar is poetically dense, with language that shrouds its already obscure subject matter in still more in obscurity.

Matt’s translation, the first of its kind, is an academic event of high importance. His footnotes alone are priceless scholarship. But they add to the impression that this is not a topic for the general public. Pointing out parallel passages in the Talmud and Midrash, the notes are not rich in applications to our daily lives. Here’s how the text itself typically reads, from the Zohar’s opening discussion of the first verse in Genesis describing the creation of the world:

"A spark of impenetrable darkness flashed within the concealed of the concealed, from the head of infinity — a cluster of vapor forming in formlessness, thrust in a ring, not white, not black, not red, not green, no color at all. As a cord surveyed, it yielded radiant colors. Deep within the spark gushed a flow, splaying colors below, concealed within the concealed of the mystery of Ein Sof."

Got that?

Yet the appearance of Matt’s Zohar, published by Stanford University Press, could reverberate in the world of pop culture, where Barnes & Noble shelves are packed with books supposedly expounding Jewish mysticism. Unintentionally, Matt may have succeeded in giving the lie to the notion that kabbalah is for all.

In a phone interview from his home in Berkeley, where he works full time on the succeeding volumes of his translation, Matt tried to make the case that nonspecialists can indeed get something out of the Zohar. He cited the book’s value as a Torah commentary, with its "hyperliteral or otherwise very radical rereadings of the biblical text."

Yes, very interesting to all you comp-lit professors out there. But radical hyperliteralism is a long way from what Weston has on over at the Kabbalah Centre.

Kabbalah teaches you how to "take control" of your very existence, says Weston, who wears a kabbalistic red string on his wrist. The seven-year veteran of mystical studies asks the group of curious visitors, "What is the real goal of our lives?"

The class appears to have been drawn disproportionately from that most vulnerable of societal groups, 40ish single women. Raising their hands, they start volunteering the things they want most. He writes their answers on a whiteboard: "Ultimate Happiness. Prosperity. Power. Knowledge. Peace. Solitude. Intimacy. Love. Health." A woman in the front wearing a tight red sweater looks up and says, "Sex." Weston, who looks about 30, writes, "Procreation."

Asked why he’s offering kabbalistic secrets to the public notwithstanding the centuries-old Jewish tradition of keeping zoharic teachings quiet, he gestures to the list on the whiteboard: "Why shouldn’t everyone have these things?"

Do the Zohar and its contents really have much to do with what the center teaches? A respected Orthodox kabbalistic rabbi in Toronto, Immanuel Schochet, once dismissed the center and its guru founder, Philip Berg, as "fakers and charlatans." The center sued him for $4.5 million, but the suit remains unresolved and dormant. Berg, who changed his name from Feivel Gruberger, was a Brooklyn insurance agent before turning kabbalistic teacher and author. His most recent book is the "Essential Zohar."

Undeterred by questions in the Jewish community about Berg’s teachings — for instance, about whether just running your eyes over the Zohar is "hugely beneficial," a notion that critics call nonsense — "the Rav’s" eager disciples fan out after the class for an aggressive sell. Including a puppyish kid named Sammy who says he’s just out of high school, they encourage me to take the full 10-session course. Sammy cheerfully admits neither he nor Weston can understand the Zohar still open on the lectern. Later, the young woman who greeted me at the door and wrote out my nametag will call me at my home in Seattle to push the class.

Down a hallway at the center, a busy gift shop hawks $26 red strings to tie on your left wrist for protection against malign spiritual forces. (The strings are not unique to the center — you can buy them cheap from one of the old ladies who prowl the steps leading down to Jerusalem’s Western Wall.) The shop also has half-liter bottles of kabbalah water for $1.75, "imbued … with special meditations to help activate the powers of cleansing."

I buy some kabbalah water. It tastes of warm plastic. Between swigs, I run into Nika Erastov, 28, who sat next to me during Weston’s half-hour intro. About the center’s approach, she is of two minds: "It kind of sucks you in, in a nice sort of way. Maybe it’s all the empty promises."

Matt also has mixed feelings about the Kabbalah Centre. While deploring accounts of people being fleeced, urged to buy $415 Zohar sets in order to ward off dangers, he puts the center in the historical context of Jewish mysticism.

"You have to admit that there are phenomena like this in earlier stages. It’s not unheard of."

He points out the long-established popularity of amulets, said to give the same protections that the Kabbalah Centre claims for its strings and Zohars.

It’s not the price of the Zohar set that’s troubling. A standard Aramaic/Hebrew edition costs around $345. Matt’s Zohar, when its projected 12 volumes are completed, will run about $540. Rather, what rankles is that most of the people buying it from the Kabbalah Centre can’t make head or tails of it, or put it to any real use at all.

Professor Pinchas Giller at the University of Judaism serves on Matt’s academic advisory committee. He too puts the Kabbalah Centre in context, pointing out that it’s not as if the enterprise was invented by Berg out of thin air.

"It began about 70 years ago in Jerusalem. Their ‘mission to the gentiles’ goes back as early as the writings of the founder, Yehudah Ashlag. So they have a long history and have generally been true to themselves." Berg claims he received his mission in 1969 from Rabbi Yehuda Brandwein, Ashlag’s successor as head of the original Kabbalah Learning Centre in Israel — a claim Brandwein’s family denies.

"Unfortunately," Giller allows, "their present business model has been adapted from Scientology," which is also known for its hard sell.

The pushiness notwithstanding, whether the center possesses any authenticity comes down to whether you think "Rav Berg" is in possession of the key to unlocking the Zohar. After all, the Talmud itself in translation reads like a work of little relevance to real lives. Yet in the hands of a worthy teacher, its secrets are revealed, and turn out to be profoundly relevant. The classic text of Jewish mysticism too has its secrets, not necessarily evident from Daniel Matt’s translation.

So is the Kabbalah Centre a bogus rip-off or a legitimate extension of the kabbalistic tradition?

The question may hinge on your attitude toward the Torah’s commandments. The original kabbalists took it for granted that their disciples would be fully observant Jews, since "every mitzvah became an event of cosmic importance, an act which had a bearing upon the dynamics of the universe," as the modern scholar Gershom Scholem wrote in his classic "Major Trends in Jewish Mysticism." One of the most important mystics in 16th-century Safed, Israel, in its kabbalistic heyday was Rabbi Yosef Karo, who wrote the Shulchan Aruch, still the standard authoritative work on Jewish law for traditional Jews.

Berg’s perspective is different. On the center’s Web site, I look up the Jewish holy days. Under "Sukkot," there’s nothing about what Karo would say is the central religious responsibility for the festival week, namely dwelling in temporary booths. Instead, Berg advises that "during this week, our thoughts have the power to cleanse the waters of the earth, and to balance its presence in the land! This means that we can control the outbreak of floods as well as eliminate droughts and it is our responsibility to do so."

Perhaps Shimon ben Yohai, the Zohar’s guiding spirit, deserves the last word. In the Zohar’s own introduction, he warns against listening to an "ignorant" kabbalist, "who is unaccustomed to the mysteries of Torah and innovates words he does not fully understand." The disgust evident in Shimon’s words is palpable. "A disciple unqualified to teach who teaches. May the compassionate one save us!"

David Klinghoffer’s new book is the "Discovery of God: Abraham and the Birth of Monotheism" (Doubleday).

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Zohar for the Rest of Us

After you’ve spent a couple hours puzzling over Daniel Matt’s Zohar or trying to sort truth from hype in the teachings of the Kabbalah Centre, it’s a welcome relief to turn to a lucid academic rendering of kabbalah. Arthur Green, a professor of Jewish thought at Brandeis University, wrote the introduction to Matt’s translation and is also the author of a useful new book titled "A Guide to the Zohar." Published by Stanford University Press as a companion to Matt’s work, this diminutive, accessible volume tells you everything you need to know about the Zohar — its history and influence plus honest but easy-to-read crystallizations of some of the main Zoharic themes — albeit from an entirely secular perspective.

Green is informative not only on the Zohar itself but on what modern hypesters have done with it: "Some versions of what is proffered as ‘kabbalah’ today can be described only as highly debased renditions of the original teachings and include large elements of folk religion that have little to do with actual kabbalistic teaching."

Yet it’s also possible to find justifications here for some of the flakier-sounding practices coming out popularized kabbalah sources like the Kabbalah Centre. Consider the notion that it can be highly beneficial merely to scan the text of the Zohar with your eyes — a "debased rendition" of a genuine practice embraced in earlier centuries by Jews who produced "collections of Zohar passages to be recited during the night vigils of Shavuot and Hoshannah Rabbah, at the Sabbath table, and on various other occasions. It came to be understood "that recitation of the oral Zohar was efficacious even for those who did not understand its meaning."

The drawback to Green’s book is that he’s a modern university scholar who, by virtue of his calling and training, can’t help but historicize everything. Thus he’d have us believe that the Zohar’s emphasis on the Shekhinah, the divine feminine, arose from the influence of the Catholic cult of the Virgin Mary.

Anyone looking for books on kaballah that take it at face value as a way to come closer to God might want to open the works of Aryeh Kaplan, who also wrote beautifully on this subject — but from a more traditional perspective. — DK

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The Yiddish Guide to Retirement Planning

When I help my mom with her banking, she’ll invariably talk to me in Yiddish to avoid anyone overhearing the details of her financial situation. Unfortunately, I’m in the dark as well, just as I was growing up when she and my Dad spoke Yiddish at the dinner table to avoid disclosure of secrets they wanted to keep.

Mom did, however, teach me one Yiddish phrase that I always think about when I’m writing about retirement planning topics: aroysgevorfn gelt. According to Mom — and various Yiddish dictionaries — the phrase means a waste of money, a useless purchase or an investment that did not prove fruitful. You can probably retire sooner and enjoy a more satisfying retirement if you avoid situations that turn out to be aroysgevorfn gelt.

For example, it’s aroysgevorfn gelt for employees to pass up their employer’s contribution to their 401(k) or some other retirement savings plan. Typically, employers contribute 50 cents for each dollar employees save, up to 6 percent of their salary. You should try to contribute at least enough to receive the full matching contribution. If you pass up this free money, mitten derinnen (suddenly), you’ll be retirement age and won’t have saved a dime.

It’s also aroysgevorfn gelt to pass up tax breaks. IRAs, 401(k)s and other retirement savings plans now have higher limits. If you’re age 50 or older, you can put away even more money in these accounts and save more for retirement. The Roth IRA enables you to save for the future and qualified distributions will be tax-free, as long as you’re 59 1/2 and you’ve left the money in your account for at least five years. Unlike the traditional IRA, you’re not required to begin making withdrawals at age 70 1/2.

In addition, it’s aroysgevorfn gelt to ignore the asset allocation strategy. The asset allocation strategy keeps you from being a chazer (pig), even if you greedily want to ride the stock market to its highest peak. It forces you to diversify your assets, instead of going for broke by putting all of your money in the stock market.

The asset allocation strategy requires you to rebalance periodically and shift assets from one class to another. Often this means shifting assets away from strong performers to under-performing assets. Although this goes against your intuition, it’s the best way to reduce volatility in your portfolio.

Rebalancing in a tax-sheltered retirement account won’t cause you a tax problem. In contrast, when you shift assets in a nonretirement account, you may owe capital gains taxes. At a minimum, diversify the new money that you’re investing in retirement and nonretirement accounts.

When the stock market was booming in the late 1990s, everyone was a maven on investments. At cocktail parties, every macher bragged about how much he or she made on a hot new Internet company or technology stock. As many people found out, it’s aroysgevorfn gelt to buy stocks based on a hot tip from some mamzer (bastard) without thoroughly investigating the company.

Assuming you’ve bought shares of well-managed companies and mutual funds, it’s aroysgevorfn gelt to sell off your portfolio during a bear market because you’re short of cash. Let’s say you need $60,000 to live on after taxes each year. If Social Security benefits, a pension check and other income account for $40,000 yearly, you have $20,000 worth of living expenses to worry about. By having five years of living expenses in investments you can get at without losing money, you won’t be forced to liquidate your stock portfolio when equities are doing poorly. You’ll be able to ride out even a lengthy bear market.

As Mom would say, planning for retirement doesn’t have to give you kopdreyenish. You can enjoy a long, healthy retirement, kine-ahora, with plenty of gelt to pursue your dreams. My dream is to learn Yiddish one day.


Attorney Les Abromovitz is the author of “Protecting and Rebuilding Your Retirement” (AMACOM, 2003) and Long-Term Care Insurance Made Simple (Health Information Press, 1999). He and his wife split their time between Pittsburgh and Boca Raton.

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