The Anglo Karmiel Community

Affordability, Integration and Simplicity

Tamar Sobel, Rabin, Karmiel

We moved from Lakewood, New Jersey to Karmiel eleven years ago. Of course, we wanted to live in Yerushalayim, but my sister-in-law who was living in Karmiel suggested we would have a “softer landing” in a small community, and an easier time integrating. At the time our oldest daughter and son were in the ninth and eighth grades. B”H, we all acclimated very nicely.

The first six months, though, were very difficult for the kids. Back in Lakewood they had been very popular in school, and here, not really knowing any Hebrew, they couldn’t understand what was going on. My 11-year-old son was especially upset. One day he threw a tantrum and was literally on the floor, complaining “Why did you bring us here?” and screaming so loudly that the neighbor called the police! It was a very embarrassing scene. If you’d meet him today, you’d never imagine; he’s totally Israeli, and is learning in Beis Mattisyahu, a respected Israeli yeshivah in Bnei Brak. The younger kids also became Israeli, though the ones older than him remained more American.

Like my kids, most of the Anglos here in Karmiel came without really knowing Hebrew. They did come with an open mind, though, trying to learn the language and otherwise integrate. This is very important here, so that one would be able to communicate properly where necessary, such as with the rebbeim and teachers of the children, and with the local rabbonim. It’s not like some other places in the country where a large percentage of the population knows English and you can get by without Hebrew.

So what does attract frum Anglos to Karmiel? As the only Anglo real-estate agent in Karmiel’s frum community, I can tell you from my perspective, and from what I heard from others who have come here or considered doing so.

Housing is much cheaper here than in Yerushalayim or Beit Shemesh. For 2.5 to 3 million shekels, you can get a beautiful private villa with a piece of land and possibly even a pool. For those looking for something really affordable, there are also decent three-bedroom apartments suitable for young or small families going for about 750 to 800-thousand shekels. The Dromit neighborhood – one of the two primary areas where members of the frum community live, and where the mosdos chinuch are located – has many styles of housing at different levels of affordability, all within a small area. This is conducive to the growth of the community, as it allows families at various socioeconomic levels to be a part of the community.

People also come here because they want to be a part of something. Living in a small community far out from the center, each and every family matters. People help each other out and are there for each other. In general, the kehillah, numbering over 200 families, is community-oriented, and the 30-40 Anglo families even more so. We try to do shabbatonim for the Anglo families maybe once or twice a year, to get to know the new families.

It is a small, diverse but cohesive kehillah, all under the leadership of Rav Avraham Tzvi Margalit, shlita, who works specifically to maintain the unity and to otherwise make things happen here. Our shul, headed by Rav Kaniel, shlita, includes avreichim as well as people working in various fields, including health, law and accounting. The more yeshivish and the less yeshivish all get along, forming one kehillah even while sending their children to different schools.

All the mosdos chinuch are under the auspices of Rav Margalit. Although there already was a standard Chareidi cheider here, the rav opened another one to cater to the needs of those who wanted a higher level of limudei chol alongside a serious limudei kodesh program. Aside from some of the Israeli Chareidi families, this included some of the Anglo families, as well as some of the local families who had become baalei teshuvah through kiruv outreach but were not really a match for a classic Israeli cheider. This cheider also has very good rebbeim. There are English speakers among the staff of the various mosdos, which is a big help with integration.

As for boys’ high school, there is a local yeshivah ketanah which is very Israeli and very Chareidi. There are no limudei chol and it is not at all American style. I sent my kids there and I was very happy with it. There is also the recently-established Ziv Ohr high school, a branch of Nehora, which has a limudei chol curriculum but a lower level of limudei kodesh.

I think the success of my children has to do also with our “we are here now” attitude as parents. We were not complaining about or trying to change the system. Even within most Israeli yeshivos there are all sorts of people, and if you come with an open mind you will find others like you. If you can’t or are not willing to mend yourself to fit into one system where you might have to let go of some of your American expectations, look for another one where you can find your way within.

Although Karmiel is a planned city with all the conveniences including malls, supermarkets and a train station, there aren’t too many frum shopping options. From a materialistic point of view, I would say that for frum Jews, Karmiel is twenty years behind. In my opinion, this is a good thing. Even my teenage daughter doesn’t go shopping for clothing more than maybe twice a year, as this involves a trip to the Chareidi population centers. Instead, she spends time with friends by going for walks and other simple activities. Kids grow up more mature and less spoiled or pampered. There are, though, parks all around, places to ride bikes, and the physical space that provides menuchas hanefesh.

Putting Things in Perspective

Reminiscing about our move from Lakewood to Karmiel, my daughter mentioned an interesting aspect of her culture shock.

When we were living in Lakewood, she had attended an upper-class school where there were girls from well-to-do families that would come to school with designer items. Though we were living comfortably, my daughter didn’t have these things, and she felt like she was sort of second class.

Among her friends in Karmiel were those who had to earn their own money by babysitting and the like to buy their own clothing! This was something she had never seen before, and it helped her put her own challenges and hardships into perspective.

‘Freezing In HYEHUDI Syndrome’

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Chovot Halevavot: Be an Informed Patient!

Chovot Halevavot Sha’ar Hayichud chap. 3:

אך לדעת, אם אנו חייבין לחקור על הייחוד בדרך העיון אם לא, אומר, כי כל מי שיוכל לחקור על הענין הזה והדומה לו מן הענינים המושכלים בדרך הסברה השכלית, חייב לחקור עליו כפי השגתו וכח הכרתו. וכבר הקדמתי בתחילת הספר הזה מן הדברים המראים חיוב הענין מה שיש בו די. והמתעלם מחקור [באמיתתו ובברורו] הרי זה מגונה, ונחשב מן המקצרים בחכמה ובמעשה, והוא דומה לחולה, שהוא בקי בחליו ובדרך רפואתו, סמך על רופא שמרפא אותו בכמה מיני רפואות, והוא מתעצל לעיין בחכמתו וסברתו ברפואות הרופא, לדעת אם הוא מתעסק בעניניו על דרך נכונה אם לא, והיה יכול לעמוד על זה מבלי דבר שימנעהו. וכבר חייבתנו התורה בזה, כמו שכתוב וידעת היום והשבות אל לבבך כי ה’ הוא האלהים…

Without going into the book itself, or the matter at hand (Chakirah), this is a powerful parable. True, “A lawyer who represents himself has a fool for a client“, etc., but one knows his own body best (לב יודע מרת נפשו), and the wisdom of medicine is vast enough for the best of doctors to overlook or misunderstand things, not to mention simple error.

(And all this applies even without considering today’s scientistic doctors, with their institutional incentives (Big Pharma) and built-in blindspots (“Alternative Medicine“, nutrition), esp. now (Corona Bologna).

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The Winners Write the Economics Textbooks…

Those Lying Textbooks

The Federal Reserve System is the central bank of the United States. It was founded by Congress in 1913 to provide the nation with a safer, more flexible, and more stable monetary and financial system. Over the years, its role in banking and the economy has expanded.

The paragraph (italicized) introduces a booklet published by the Federal Reserve, The Federal Reserve System: Purposes and Functions (9th edition, 2005). It has been in print continuously since 1939.

This paragraph is universally believed among the intellectual elite in the United States. It is believed by virtually all academics, in every social science. You cannot find a college textbook published by any major publishing firm in either introductory economics or American history that does not rest on the acceptance of the truth of this paragraph.

One of the difficulties that critics of central banking have, all over the world, is that academic economists are almost universally supportive of central banking.

To understand why this is the case, we must understand the economics of banking as an aspect of the economics of cartels.

  1. All modern banking systems are based on government licensing and regulation.
  2. All licensing and regulation systems create barriers to entry.
  3. All government-created barriers to entry create cartels.
  4. All central banks are enforcement agents of the national banking cartel.

No chapter on central banking in any introductory or upper division economics textbook published by a mainstream publisher discusses central banking in this light. The chapter on central banking is kept several chapters away from the chapter on money and banking. The two chapters are not cross-referenced.

This has gone on ever since the end of World War II. It may have gone on before, but the textbooks of that era are difficult to locate. University libraries throw out old textbooks. This makes it difficult for historians of thought in any field to write histories of college-level opinion.

[Note: libraries also do not bind popular journals. It would be impossible to write an accurate history of American social thought without access to the Reader’s Digest, the Saturday Evening Post, the Ladies Home Journal, and Cosmopolitan. Yet there is no easy access to any of them. This is why books on American social thought are mostly histories of what academics have written about what they perceive as important trends marked by best-selling books, movies, and a few public opinion polls.]

THE ECONOMICS OF CARTELS

All schools of economic opinion have much the same criticism of cartels. Read the chapter on cartels in any college-level introductory economics textbook. The analyses in all of them will be about the same. Cartels are presented as organized groups of self-interested producers who use government intervention to keep more efficient producers out of the market. These associations oppose price cutting by individual firms. They seek to create agreements within the industry to refrain from price cutting. All schools of economic opinion regard this as being against the interests of consumers. Cartels promote actions in restraint of trade.

The standard chapter on cartels identifies the cartel as an aspect of monopoly. A monopoly is defined as a single seller that extracts an economic surplus by restricting production, thereby enabling it to charge a price higher than that which it would charge if it sold all that it could produce. A cartel is a monopoly system based on more than one producer.

Economists recognize that few if any monopolies can exist without government intervention. (The perennial exception, Arm & Hammer’s baking soda, is never discussed. It deserves at least a master’s thesis.)

No cartel comes to legislatures with this message:

We want you to pass laws against companies that offer lower-priced goods to buyers. Such offers reduce our profit margins. We want to maximize our net profit by keeping retail prices high. We cannot keep innovative forms out of the market, but you can. We want you to pass laws against the sale of goods unless these firms agree not to sell at prices lower than those set by our organization.

Instead, it comes with this message:

The public is being exposed to low-quality goods that put people in danger. If the legislature stands idly by, allowing inexperienced and unqualified producers to exploit the ignorance of the public, the common man will be exposed to serious risks. The best way to protect the public is to require all products to meet basic standards of quality, and to require all producers to be certified by law. The government should set basic standards and require all producers to meet them.

The cartel then writes the standards, so that new, under-funded competitors are kept out. The legal fees for getting authorization to sell a low-cost product will keep most new firms out of the market.

The chapter on cartels offers a detailed account of how the cartel seeks government intervention in its program to restrain trade by restricting entry into the market. The textbook encourages the student to think through the implications of the cartel’s argument in favor of restricting entry. It presents this appeal as a self-interested quest for higher profits at the expense of consumer choice.

None of this analysis is applied to central banking.

Continue reading…

From LRC, here.