Features
Helping to Right a Historic Wrong: Aviva Silberman believes that Holocaust survivors deserve to live in dignity and comfort

By SHARON GELBACH
The statistics are grim: a quarter of Holocaust survivors in Israel and a third of those in the US are living in poverty. These now-elderly people, who experienced some of the worst traumas in modern times, are subsisting on so little they can’t afford both food and medicine, or dental treatment, or house repairs, or to replace a broken appliance. Many are childless; many are the last remnant of their extended families, with no support network to advocate for them in their twilight years.
According to attorney Aviva Silberman, founder of Aviv for Holocaust Survivors, an organization that helps survivors apply for special benefits, thousands of Holocaust survivors fail to take advantage of the compensation that’s legally coming to them. “They simply don’t know about the benefits and what they’re entitled to, what forms to fill out, how to fill them out, or where to submit them,” she said.
There are several reparation payment or allowance programs available to survivors living around the world; however, deciphering the fine print as to who is eligible for which payment, which forms need to be completed; and what supporting documents must be provided for each can be overwhelming.
Aviv for Holocaust Survivors was founded in 2007 with the goal of helping Holocaust survivors access the benefits available to them. In its 13 years of operation, with the help of five lawyers and hundreds of volunteers, Aviv has helped 65,000 survivors actualize their rights and access more than $1.2 million payments and allowances completely free of charge.
No Longer Reluctant
Silberman explains the roots of this rampant poverty: “Due to their wartime experiences, some survivors continued to suffer psychological and physical problems that hindered their ability to work. This pattern has also carried over to the next generation.”
In the past, many people opted not to accept money from Germany, irrespective of their financial situation, observes Silberman. “Today, however, survivors realize that they are not helping anyone by refusing the money, and that at their stage of life, they certainly deserve to enjoy a higher standard of living.”
In addition to not knowing how to go about accessing payments and reparations, Silberman says that survivors are often fearful that by applying for additional benefits they will lose what they already have. In reality, however, about half the survivors who are assisted by Aviv are, in fact, eligible for more than they are currently receiving. “We encourage survivors to inquire about their benefits. In many cases, what they were told several years ago about not being entitled, has changed.”
A case in point, and one that affects thousands of survivors globally, is the new law, from July 2019, recognizing 20 Romanian cities as being ghettos. The significance of the revised legislation cannot be overstated: survivors from Romania who previously were not eligible for any of the German “rentas” or pensions, are now eligible for various grants and monthly allowances.
Leah, a survivor from Ramnicu Sarat, Romania, had previously fallen between the cracks in terms of receiving any financial aid, due to various technical and bureaucratic reasons. With the help of Aviv’s attorney Yael Gertler, she was able to receive a lump sum of $2,800 as well as a monthly allowance of $1,100. “Finally, at the age of 89, I’m finally recognized as a Holocaust survivor!” Leah said excitedly. “For decades, Germany never acknowledged the suffering we endured in Romania. I’m gratified that I am still alive to see Germany taking responsibility for what they did to us!”
Daunting Red Tape
Holocaust survivors and their children are often daunted by the seemingly endless paperwork and complex bureaucracy associated with applying for compensation. Working for 13 years with a team of professional lawyers, Aviv for Holocaust Survivors is uniquely positioned to assist survivors receive what is coming to them, thereby improving their quality of life immeasurably.
Gila, an 84-year-old survivor from Bulgaria, suffers various ailments along with dementia. For many years, she received a $700 monthly reparations allowance. In view of her mother’s degenerating state, Gila’s daughter Ronit requested an increased stipend from the government, but was turned down because they said Gila did not meet the necessary criteria. It never occurred to Ronit to try again, until she spoke to Linda Levy, one of Aviv’s consultants, who investigated the case and discovered that Gila had spent the war years in the ghetto in Sophia. Familiar with the updated rights due Holocaust survivors, she applied to various agencies including the Israeli Treasury and the German government. The applications were approved, and Gila began to receive $2,000 monthly from the Israeli government, as well as a lump sum of $16,700 and another $90 monthly allowance from Germany. Thanks to the extra income, Ronit can now afford to give her mother the best care available including costly treatments to ease her health issues.
The Poor Partisan
Without doubt, it takes patience and tenacity to overcome bureaucratic hurdles. In cases where individuals would give up, Aviv’s professionals are armed with the knowledge and persistence necessary for a positive outcome. Avigdor is a survivor from Poland who lives in Kiryat Ata. After learning that the Polish government was distributing a monthly reparations payment of $110, he traveled to the Entitlement Center in Haifa. Aviv’s Attorney Adi Keselman realized that notwithstanding the allowance from Poland, Avigdor was also eligible to have his monthly survivor’s allowance doubled. In conversation with Avigdor, she learned that he had fought in the Polish countryside with the partisans, and so she applied for an additional monthly stipend of $700 for war veterans who fought against the Nazis. After much back and forth, necessitating several home visits on the part of Aviv’s volunteers, their efforts paid off. Today, at 94, Avigdor receives a sizeable monthly sum that allows him to live out his days in comfort and security.
In the War In Utero
One of the more unexpected criteria for eligibility is “one who was a fetus at the time their mother suffered persecution by the Nazis.” Henia Klatsch, a survivor from Haifa, was born just two months after the end of World War II. Her parents had survived the Holocaust by hiding together with their two children in the home of a Polish family. Henia grew up with parents and siblings who emerged from the war alive in body, but severely scarred emotionally. After a turbulent childhood, Henia married Aryeh, also a Holocaust survivor.
A chance visit to the Aviv Entitlement Center in Haifa proved to be life-changing for the Klatches. Attorney Liora Zamir informed Henia that she might be eligible for Holocaust reparations due to her having been an unborn baby while her mother suffered persecution, and thus began a protracted bureaucratic process that included procuring several hard-to-get documents. “I wanted to give up a hundred times over, but Liora never let me,” Henia shares, speaking with emotion. “She fought like a lioness on my behalf! It’s only thanks to her caring, and her professional, devoted service that my application was eventually approved.”
The couple, which had previously subsisted only on Aryeh’s reparations, received a substantial financial boost. “A stone has been lifted from my heart,” Henia said. “I never had a childhood, but no one acknowledged my suffering before. This allowance is helping us make ends meet, and now I can even give something to our grandchildren, something that had not been possible before.”
Poverty of Spirit
Often, the consequence of the severe trauma suffered during the war years is a lack of mental stability, which renders the survivor’s situation all the more tragic. Ari, 84, made Aliyah from France in 2010, alone and destitute. His childhood years had been spent in hiding, which enabled him to survive physically, but left deep emotional scars. Ari’s mental state and general situation deteriorated steadily, to the point where he was homeless. If not for some kind people who provided him with shelter at night, he would have literally slept out in the street. At one point, Ari’s cousin sent him to the Entitlement Center in Tel Aviv, operated in cooperation with the Jewish Federation of Los Angeles. Aviv’s attorney David Neuhoff was particularly moved by Aryeh’s predicament, and devoted himself wholeheartedly to his case. The outcome was better than anyone could have anticipated: Ari was placed in an assisted living facility in Kiryat Yam, and today, with a monthly allowance of $2,400, he is able to live in dignity and comfort.
Aviv for Holocaust Survivors works to raise public awareness of the rights of Holocaust survivors and to make that information freely accessible. The organization operates 18 Entitlement Centers, in collaboration with local municipalities and the Jewish Federation of Los Angeles, to assist survivors in actualizing their rights. Aviv’s lawyers accompany survivors throughout the process, providing all services completely free of charge.
For more information visit www.avivshoa.co.il
Holocaust Survivors Across the Globe – Compensation & Eligibility
Benefits from the Claims Conference
Article 2 Fund: Intended for survivors who spent time in the camps, ghettoes, in hiding, or who lived under a false identity, and who are not receiving a monthly health allowance (“renta“) from funds originating in Germany. Survivors recognized by the Claims Conference for this fund receive an allowance of €1539 ($1700), once every three months.
Hardship Fund: A one-time grant for €2556 ($2800). This fund is intended for survivors who: 1. do not receive a monthly health allowance from funds originating in Germany; 2. did not receive in the past a one-time grant for being forced to wear the yellow badge, for being forced to discontinue their education or had their liberty revoked; and 3. did not receive payment from the Holocaust Victim Compensation Fund (HVCF); and provided that they experienced at least one of the following persecutions: fled from Nazi occupation, wore the yellow badge, lived under curfew or were subject to limited freedoms. Even someone who was still in utero at the time when their mother suffered any of the persecutions mentioned above, may be eligible for this grant.
Note: Also eligible for this grant are former citizens of Tunisia who suffered various limitations under Vichy rule, and who subsequently suffered persecution under Nazi occupation between October 1940 and May 1943; and former citizens of Morocco and Algeria who suffered various limitations under Vichy rule between July 1940 and November 1942, including anyone who was in utero during the aforementioned period.
Child Survivor Fund: A one-time grant for €2,500 ($2780) for survivors born from Jan. 1, 1928 until the end of the persecutions in their location, and who were persecuted on the basis of being Jews in the camps or ghettoes, or who lived in hiding, or who assumed a false identity — for at least four months in areas under Nazi occupation, or 12 months in countries that were under German influence.
Note: Those who lived in cities only recently recognized as ghettoes are also eligible for this grant.
Kindertransport Fund: a one-time grant for €2,500 ($2780) — given from January 2019 — to survivors who, between Nov. 9, 1938 and Sept. 1, 1939, were under the age of 21 and were sent (or authorized to be sent), from Germany or countries that were occupied by or annexed to Germany (Austria and parts of Czechoslovakia), to England without their parents in order to be rescued from Nazi persecution.
Note: The Claims Conference operates various services for Holocaust survivors in different world countries. For more information on the services available in your area, please contact the Claims Conference at P.O. Box 1215, New York, NY 10113. Tel: (646) 536-9100. Email: info@claimscon.org
Benefits Available from Germany:
German Compensation Fund for Work in Ghetto (BADV): a one-time grant for €2,000 ($2780) from the German government, intended for those who were kept in an open or closed ghetto (from the list of ghettos recognized by Germany), which was either under German rule or in an area annexed by Germany or in an area under German influence, and who performed unforced labor. We recommend that survivors who have received this one-time grant but who did not apply for the monthly social allowance ZRBG for unforced labor performed in the ghetto, submit a claim for this allowance.
For more information or to submit forms please contact:
Main address:
Bundesamt für zentrale Dienste und offene Vermögensfragen
DGZ-Ring 12
13086 Berlin
Mailing address:
Bundesamt für zentrale Dienste und offene Vermögensfragen
11055 Berlin
Tel: +49 30 187030-0
Fax: +49 30 187030-1140
Email: poststelle@badv.bund.de
Social allowance for labor performed in ghetto (ZRBG): A social allowance from Germany based on various parameters, including age and time spent in a ghetto. Holocaust survivors may be eligible for this allowance on condition that they were kept in a closed or open ghetto under German rule or German annexation, or in an area under German influence, from the list of ghettos recognized by Germany and who performed unforced labor in the ghetto and received compensation for this labor (even a token compensation, and even if those funds were transferred to the Judenrat). In other words, if there was some degree of choice regarding the “if” and “how” of the labor, this amounts to unforced labor. Examples of this type of labor: kitchen jobs, cleaning jobs, administrative jobs, factory jobs, delivering packages, caring for children or the elderly, etc. (Those who worked under threat of violence or at gunpoint are considered to have engaged in forced labor, and are therefore not eligible for this allowance.)
Since this payment is actually a form of German national insurance, a precondition for eligibility for it is to meet the criteria of the minimum qualification period for this insurance. This period may be based on the criteria set by German national insurance, alternate insurance, or of the national insurance in countries that have a signed treaty with Germany.
We recommend that those who submit applications for this allowance include additional documents, such as confirmation of receipt of any other Holocaust-related compensatory funds, documents attesting to time spent in a ghetto, etc.
For more information or to submit forms please contact:
DRV DUSSELDORF
Address:
DRV RHEINLAND
Königsallee 71
40215 Düsseldorf
Tel:+49 211 937 0
Email: service-zentrum.duesseldorf@drv-rheinland.de
DRV BERLIN
Address:
DRV BUND
Ruhrstraße 2, 10709 Berlin
Tel: +49 30 8650
Fax:+49 30 865 27240
Email: drv@drv-bund.de
Compensation from France
Compensation for orphans from France: A one-time grant from the French government for about €31,000 ($34,500) or a lifetime monthly stipend for about €600 ($670). To be eligible for these funds: one of the survivor’s parents must have been expelled from France as a result of anti-Semitic persecution during Nazi occupation, and that parent must have died in the course of the expulsion or died within France as a consequence of persecution. The survivor must have been 21 or under at the time their parent was expelled. To submit requests for compensation from France, apply to your local French Embassy.
Compensation from Holland
The Dutch railway company provides Holocaust survivors/relatives who were transported by Dutch trains to a concentration camp with a one-time grant of €15,000 ($16,685) per survivor, and between €5,000 ($5,560) and €7,500 ($8300) in the event that the survivor has already passed away, and the payment will be transferred to the widow or orphans.
Note: Applications for this compensation can be submitted only until July 5, 2020.
See website for all information relating to compensation plans, including how to submit online applications: https://commissietegemoetkomingns.nl/en/faq
For telephone inquiries about the application process: 887926250(0)31+
For assistance with online applications, call the following organizations:
JMW +31(0)881652200
Stichting Pelita: +31(0)883305111
For additional information, email:
BOX
New Eligibility for Romanian Survivors
Few are aware that in July 2019, Holocaust survivors from Romania became newly eligible for compensation after Germany recognized 20 Romanian cities as ghettos (see list below). Consequently, thousands of survivors who spent time in ghettos in Romania and who are now living in various countries across the globe became newly eligible for live-changing benefits.
Aviv for Holocaust Survivors founder Attorney Aviva Silverman said that her organization assisted 3,013 Romanian survivors living in Israel, advising them regarding rights and benefits amounting to $17.6 million. “It’s vital that survivors all over the world are alerted to their rights and that they apply to the relevant agencies who can investigate their eligibility for additional compensation. The money involved can often be life-changing for these survivors.”
Romanian Cities Recognized as Ghettos: Jassi, Botosani, Targu Mures, Galati, Focasni, Teccuci, Roman, Piatra Neamt, Barlad, Vaslui, Alba Iulia, Constanta, Targu Neamt, Harlau, Buzau, Ramnicu Sarat, Stefanesti, Craiova, Pascani, Bacau
END BOX
This information was provided by the Aviv for Holocaust Survivors organization, devoted to providing professional, personal assistance by lawyers who specialize in survivors’ rights and who accompany the survivors until they receive the compensation due to them, at no charge to them.
www.avivshoa.co.il
Features
Do we treat our Arabs better or worse than the Tsars treated us?
By MARTY GREEN I know many Jews will be outraged at the very notion of comparing the two. “The pogroms!”, I hear you cry. “The Naqba!”, the Arabs might just as well respond. We all have our own simplified narratives regarding the rights and wrongs of the past; but just as the true story of Arab life in Israel is much more complicated than the Naqba, so the story of Jewish life is Russia was, for better and for worse, much more nuanced than the mere fact of the pogroms.
There are some obvious parallels between our respective stories. We came to be the authority over several million Arabs as an unwelcome by-product of our great victory in 1967. Similarly, Russia inherited some half million Jewish subjects over the course of the three partitions of Poland (1772-1795). We were hardly more welcome to the Tsars than the Arabs were to us. We sometimes mock the “genocide” allegations by pointing out how 1.2 million Palestinian Arabs in 1945 now claim to number over 14 million. But we were no pikers by comparison: in the course of the 19th century, our numbers in Russia grew anywhere from ten- to twenty-fold.
We remember how the Russian government quickly instituted the Pale of Settlement, restricting our mobility. Can the Arabs under Israeli rule not complain of similar or worse restrictions? It is true that we have obvious security concerns regarding the mobility of a hostile population. The checkpoint system has almost certainly saved lives. But by the same token, can we be sure that the Russians had no valid reason to worry about the loyalty of their Jewish subjects?
There can be little doubt that in the First World War, many Jews hoped that the German invaders would liberate them from their Russian oppressors. And even before the German invasion, as a large minority group speaking their own language and having close connections with their co-religionists in foreign not-always-friendly countries, surely the Russians had as good reason to be concerned with our loyalty as we have with regard to our Arabs?
(Incidentally, it is said that the Jews of 1812 might have whole-heartedly thrown in their lot with the invading Grand Armee, if not for the unlucky resemblance of the French Emperor’s name with the Yiddish word mapole (meaning “defeat”). But that is a tale for an alternate version of history.)
Finally, we remember well how Jews in Russia were not allowed to own land; the truth is, we mis-remember that “fact” because we did indeed own land, and when challenged our title was upheld in the Russian courts. Similarly, in the Occupied Territories the validity of Arab land titles under Ottoman Law are rigorously protected by the Israeli courts. Nevertheless, some residents of the Jordan Valley may argue that it is less than “rigorously” enforced on the actual ground.
Which brings us to the subject at hand. Because back in Old Russia, in der alter heim, disputes between us and our Gentile neighbors over land ownership and usage were an ongoing feature of life for centuries. For a somewhat poetic description of the nature of these conflicts, I turn to the words of memoirist Falek Zolf (1898-1962), who recalls this about his youth in the shtetl of Zastavia, a village of several hundred on the outskirts of Kamenetz-Litovsk. To preserve a bit of the flavor of the original, I have transcribed Zolf’s narrative here in a mix of English and Yiddish.
“The village led a poor, quiet life. We lived from what God gave us; this one from a manual trade, this one from farming, another from buying and selling, and so forth. A few dozen families pulled in a meager livelihood from working in Asher Guterman’s brewery, which was known throughout the region for its beer. Outside of that, almost everyone had his own garden and his own cow – most likely one which he had raised himself from a calf. You could always rent a small patch from one of the landowners who lived in the Gentile quarter; the vegetables and produce could be sold in the neighboring towns and villages: in Brisk, Kobrin, Orleh, Bialovezh, etc.
“Quiet and peaceful was the flow of life in the stäedtele. It was truly mit’n schwéiss vun sein ponim (by the sweat of his brow) that each one earned his own piece of bread, along with the vegetables which the good Mother Earth provided to everyone in full measure.”
Of course we all know that Jewish life in Russia was not quite so idyllic as Zolf makes it out to be in the preceding passage. Let us see what comes next:
“The stäedtele of Zastavia was at one time, according to the stories of the old men, entirely a Jewish peasant-village. The whole surrounding area with its fields, gardens, and hills had once belonged to Jews, who were originally men of the soil. But little by little, for a number of reasons, the Yiddische erd had passed over into Gentile hands. If a Jewish peasant needed to make a shidukh for his daughter, he might be driven to sell a strip of farmland to a Gentile; and with the money, he could put on a proper khasseneh with all the sheva brokhos. If his son didn’t want to go serve the Russian Tsar and had to run off azh ken Amerikeh, the Jew would once again cut off a piece of land and sell it to a neighboring Goy (to pay the 300-rouble penalty). If his grown children went off to seek happiness somewhere in the far-away, and the elderly parents simply didn’t have the koyakhto go out and push the plow, then the last stückel feld would be sold to the local meshtchan, and with the money they could enjoy the few years remaining to them. And so with time, the Yiddische erdfell largely into Goyische händt.
“In the end, all that remained to us was a large vihon, a communal grazing-field, which according to legend had once belonged to a rich Jewish landowner, who had donated it to the stäedtel. In the end, the Yiddische beheymos had actually been forced to share this pasture with Goyische khazerim. It was painful for us to have to watch those khazerim turning our Jewish vihon into a pigsty, but there was little choice; one was, after all, living in golus.”
Perhaps we should pause here to consider that while the Jews seem to have sold much of their land to the Russians due to economic pressure, there are nowadays, for obvious reasons, only the rarest cases of Arabs selling their lands to Jews. Furthermore, I am not aware of any situations where the Bedouins of the Jordan Valley willingly share their grazing land with the Jews of the hilltop outposts. Whether these differences are to our credit or theirs is not for me to say here.
In any case, we will see further that it was not only economic or social pressures which came into play:
“Unfortunately, the more the Goyischer Gass (the Gentile Quarter) grew at the expense of the Yiddischer Gass, the more brash and the more khutzpah-digker they became. They started to look for any pretext or opportunity to snatch away this last remaining piece of Jewish grazing land, so that not a single Yiddische beheymah should have a place to roam. They would sometimes show up armed with sticks, hoes, and pitchforks, ready to start a milkhomah….”
Sound familiar?
“….but on such occasions, the ZastavierYidden, who were in those days no pushovers, would quickly arm themselves with the implements of ha-yadayim y’dei Eysav and go forth to meet the Gentile foe. Blood would flow from both sides. For the Jews, it was a matter of kidush ha-shem, a case of milkheymes mitzvah, to uphold their Yiddischen koved and also to save and protect the Yiddische beheymah-lach from Goyische händt…”
And of course, in such situations, the Russians would call in local gendarmeria or even the dreaded Cossacks, and the Jews would be quickly dispersed, arrested, or even beaten.
Or were they….?
Perhaps not. Let us see how Zolf describes it:
“Fortunately, these little milkhomos would not last for long. The storm would quickly die down, and the stäedtel would soon go back to its normal, peaceful life, as though nothing had happened.”
And with those words does Zolf conclude his fond reminiscences of his childhood years. But of course that is not the end of the story.
We all know the devastation brought by the Second World War. But in the wake of the Holocaust, we are liable to forget the enormous impact of the First World War on the Jewish world. The collapse of empires was followed by the emergence of new, ideologically-driven regimes which. It is hard to say whether Communist Russia or nationalist Poland was more hostile to the Jews. In any case, Zolf’s village found itself on the Polish side of the border. And the Jewish way of life quickly became economically untenable.
Among the first the measures adopted under the Polish national slogan of “swój do swego“…that the Gentile should only patronize “his own people”….was the establishment of Christian cooperatives, so that the Polish peasants would not see their hard-earned money fall into the hands of Jewish intermediaries. Then there was the nationalization of entire industries like wine, alcohol and tobacco…again, with the purpose not so much of the betterment of the working class as the impoverishment of the Jewish merchant class. Then the strict enforcement of the Sunday laws, so that the observant Jewish shop-keeper would have to close down for two days of the week. Finally, the imposition of a host of new taxes, of which Zolf reels off the names: gruntovi, dokhodovi, handelyovi, obratov… (ed. Note: would be nice to get the correct Polish spellins of these)
The bailiff’s wagon, which quickly made it’s appearance in one Jewish community after another to haul away confiscated goods in lieu of unpaid taxes, was given the nickname “Grabsky’s Aguleh (hearse)”, after the infamous finance minister Grabsky, a notorious anti-semite. And in Warsaw, it was said to have been followed all to often by another kind of aguleh, this one from the khesed shel emes, to collect the bodies of bankrupt Jewish merchants who had thrown themselves from a fifth-story window.
The precarious condition of the Jewish staedtel could hardly go un-noticed by the local peasantry, and before long they had renewed their ambition to take over the last remaining grazing-field, the communal vihon, and make it once and for all Juden-rein. In Old Russia, the Jews had been ready to defend themselves with clubs and pitchforks; and interestingly enough, Zolf records that they had even sought and obtained recourse from the Russian courts:
“Back then the städtel had engaged the services of berühmte advokaten (famous lawyers) who fought the case azh in der gubernieh un in Petersburg. The protzess dragged on for years, until the Jews were able to secure once and for all séier recht zu mägen paschen séiere beheymos auf’n kehill’schen vihon, inéinem mit die Goyische khazerim.
Yes, there was now and then justice available to the Jews from the Russian courts. We sometimes forget that Mendel Beyliss was aquitted by an all-Christian jury. In this regard, it is noteworthy that the Arab villagers in the Jordan Valley have also been able to obtain favorable judgments from the Israeli courts on occasion.
But in post-war Poland, things were not the same. The villagers knew that in the course of the war and the fires that had destroyed Zolf’s shtetl, the Jews had lost the papers which gave them the right to to an equal share of the communal lands. In addition, the shtetl had been seriously weakened by the war, the Spanish Flu, and emigration to America. The end was in sight to one and all.
And so one bright summer morning, the Catholic and Orthodox peasants (who otherwise had little affection for one another) herded their flocks into the communal vihon. Zolf describes what happened next. One doesn’t need to understand word for word to get the general picture. Sadly, the same story seems to be repeating itself today in the Jordan Valley: only the roles have been changed:
“Their field-hands let loose the dogs auf die Yiddische beheymos, and drove them weit in a sumpign winkel. The Jewish cattle had to spend the rest of that day versunken in der tiefer blotte, searching in vain for a green stalk mit wâs zu stillen séier hunger, un nischt gekönnt gefinnen. Late that afternoon, they were led home, tired, hungry, and covered with mud. Locked away in their barns, they gnawed at the walls. Séiere hungerige geschreien hâben sich weit getrâgen über’n stäedtel.
“And in the pitiful cries of their hungry animals, hâben die Yidden gehört a min trauerign shoyphar-blâsen, which announced the end, not only for their teuere, liebe beheymellach, from whom they had derived at least a stückel khayunah…but also the end vun séier alt-eingesessene Yiddischen stäedtel.”
Falik Zolf left Poland in 1926 and became a Yiddish teacher in Winnipeg’s I.L. Peretz Folks-Schule. He published his memoir in 1948 under the title “Auf Fremder Erd” (On Foreign Soil).
Features
Embracing your femininity in Cheshvan
By ELENA KNIGHT Rosh Chodesh Sameach! Though last month’s article (Embracing your femininity in Tishrei) had far more holidays, thus more material, the month of Cheshvan is not as empty as it appears. It may contain no holidays or mitzvot specific to the month, but I take issue with the idea that Cheshvan is “bitter”.
Some people refer to this month as MarCheshvan, Mar meaning bitter, but Mar can also refer to a drop of water; this month is the beginning of Israel’s rainy season! We began praying for rain with Shemini Atzeret last month, so by this time, G-d has usually heard Am Yisrael and started sending rain to the Holy Land. To connect this to womanhood, let’s revisit last month’s article, where I explained the connection of water to femininity.
In Tishrei, I spoke of the divine feminine, and how rain is associated with the womb of creation, fertility, and gentle, life-renewing power. In Cheshvan, however, I’d like to focus more on feminist reclamation of water metaphors; in Margaret Atwood’s The Penelopiad , for example, when trying to protect herself from unwanted suitors, Penelope recalls her mother’s advice: “Behave like water… Don’t try to oppose them. When they try to grasp you, slip through their fingers. Flow around them.” We can take this literary advice and put it into practice in our lives this month. When in a position where we feel powerless, and in spaces where female assertion is unwelcome, we could do well to be like water. Nobody can hold water in the palms of their hands without losing control of it. Water is not easy to contain. Nor are we women.
Taking Mar of MarCheshvan to mean a drop of water, rather than bitterness, can be interpreted now as a call to action. This month can be the time when we refuse to be controlled, much like the prophetess Miriam. In Torah, Miriam’s connection with water is clear; in Exodus 15, she takes the Israelite women out from the community to sing a song of deliverance through the Red Sea. She is with her brother, our teacher, Moses, when he is sent down the Nile in a reed basket, and she is the one who ensures he is cared for at the Pharaoh’s palace in Exodus 4. In many Pesach seders, a cup of water is set out for Miriam, like the wine for Elijah, because she ensured that the Israelites had water while travelling through the wilderness during the Exodus journey.
Miriam is, clearly, a passionate leader, creating a specific space for Israelite women when they are so often overlooked in Torah stories. By establishing her place as a role model for the Israelites leading up to their freedom from Egypt, the Torah makes it clear that G-d accepts female leadership. This month, let us take a page from Miriam’s book, and lead when we are called to do so. Like I suggested in my last article, mentoring a young girl in your community may be the perfect way to lead.
Cheshvan is also said to be reserved for the time of Moshiach. To prepare for the Moshiach’s arrival, we can act in ways that will bring about Israel’s reformation, both in the land itself and in the diaspora. By supporting charities both in our home communities and in Israel, by acting with chesed, loving-kindness, even when we don’t really feel like it, and by studying–whether that be studying Torah, feminist theory, or any other subject that will improve the world–with fervent passion. By working on tikkun olam, repairing the world, as we have it now, we can bring about a better world for future generations. What better way to remove the bitter reputation of Cheshvan?
Features
CFTC Crypto Regulation Plans Put XRP and Solana in Focus as CLARITY Act Stalls
US crypto regulation is back in focus after the Commodity Futures Trading Commission opened a public consultation on October 5 on a potential framework for certain retail crypto transactions. With the CLARITY Act stalled in the Senate, the initiative raises questions about what the agency can achieve under existing law and why its plans matter for XRP and Solana.
For XRP and Solana, the development is particularly notable because US regulators have already identified both assets as examples of digital commodities. The emerging question is therefore not simply what happens to the CLARITY Act, but how far the CFTC can reshape the regulatory environment while the legislation remains stalled.
XRP and Solana price movements in focus
The XRP price and Solana price provide useful context for assessing market movements; comparing both assets over the same period helps distinguish their individual performance from broader changes across crypto markets.
XRP price movements and Solana price movements need to be assessed over a clearly defined period. An intraday range describes the distance between the session’s highest and lowest recorded prices; it does not establish which direction an asset will move next. A daily percentage change provides a different measure, comparing the latest price with a reference point.
Crypto market volatility can reflect changes in liquidity, interest rate expectations, network developments and broader risk appetite. The CFTC consultation adds regulatory context, but the announcement alone does not establish the cause of a particular price movement.
Why crypto regulation is shifting towards the CFTC
The Senate did not reach the 60-vote threshold required to advance the CLARITY Act in September. The result prevented the broader market-structure bill from moving ahead at that stage, but it did not end the push for clearer federal crypto rules.
The CFTC has now begun exploring another route. In its notice covering Regulation Crypto Asset Transactions and Regulation Crypto Asset Markets, the agency is seeking public input on a framework for certain retail crypto transactions and the platforms offering them.
The distinction matters. The CLARITY Act would have established a statutory framework passed by Congress. The CFTC initiative instead relies on powers the agency says it already has under the Commodity Exchange Act.
That means agency action can proceed while the legislation remains unresolved, although it cannot replicate every part of the congressional proposal.
What the proposed CFTC crypto rules could cover
The process centres on two concepts known as Regulation CTX and Regulation CAM. Regulation CTX concerns retail commodity transactions involving crypto assets, including transactions financed through margin, leverage or other forms of credit.
Regulation CAM would examine a specialised category of CFTC-registered market designed for those transactions. The aim is to create a federal regulatory option with requirements more closely tailored to crypto markets.
The framework could address areas such as market manipulation, customer assets, conflicts of interest and market conduct. The agency is also considering what information platforms should provide and how existing market safeguards can be adapted to crypto.
There is an important limit. The CFTC cannot require all spot crypto exchanges to enter that federal regime without action from Congress. Its chairman has described the proposal as an option for firms rather than a nationwide mandate.
That difference helps explain why the CLARITY Act still matters even as regulators move independently.
Why XRP and Solana matter in the regulatory debate
The CFTC consultation brings renewed attention to how the existing federal crypto asset taxonomy relates to XRP and Solana.
In his October 5 remarks, CFTC Chairman Michael Selig pointed to the joint federal crypto asset taxonomy, which identifies Bitcoin, Ether, Solana, Stellar, Tezos and XRP among examples of digital commodities.
For XRP and Solana, that classification helps explain why a CFTC-led framework deserves attention. Both assets operate on widely used blockchain networks and have a presence across global crypto markets, so changes affecting how US platforms can offer crypto products could influence market access, liquidity and institutional participation.
It does not mean the new rules would determine their prices. Interest rates, network activity, broader risk appetite and asset-specific developments remain important. Regulation is one part of the market environment, not a standalone price signal.
How crypto wagers relate to market movements
Crypto wagers based on market movements involve a bet on a specified outcome over a defined period. The relevant details include the asset, the condition that must be met, the closing time and the price source used to determine the result. Those terms matter because an asset can move in different directions within the same day.
Short-term price direction is also the basis for crypto wagers on Moon, a crypto betting platform where outcomes are tied to market movements.
For crypto betting, the significance of volatility depends on the wager’s conditions, including whether settlement uses a closing price or an event occurring during the specified period. A rise earlier in the day does not establish the outcome of a later wager, and a regulatory announcement does not guarantee a winning bet. An unsuccessful wager can result in the loss of the amount staked.
The connection between crypto wagers and market news therefore depends on the specific outcome and timeframe. News about XRP or Solana can provide context, while the terms of each wager determine how its result is settled.

How agency action differs from the CLARITY Act
The distinction between legislation and regulation is central to what happens next.
Congress can create new statutory powers and requirements that regulators cannot establish on their own. The CLARITY Act sought to define a broader market structure, including the responsibilities of federal agencies and obligations for intermediaries operating in digital asset markets.
The CFTC is working within authority it says already exists. That allows it to address some transaction structures and market protections but leaves wider questions for lawmakers.
The agency itself has acknowledged that regulatory action cannot indefinitely replace legislation. For markets, that creates a two-track process: regulators can develop rules under current law while Congress decides whether to revisit a broader statutory framework.
That makes the latest CFTC action more than a reaction to the failed Senate vote. It is also an indication of how US crypto policy could develop if Congress remains unable to reach agreement.
What US crypto regulation could mean for Canadian markets
The proposed CFTC framework would apply in the United States, not Canada. Its potential relevance for Canadian markets comes through cross-border capital flows, global liquidity and the role US platforms and institutions play in price discovery.
Canada also has established investment products linked directly to both assets. The Toronto Stock Exchange listed several Solana ETFs in April 2025, including the 3iQ Solana Staking ETF, giving Canadian investors regulated market exposure to SOL.
XRP followed with Canadian-listed products in June 2025, including the 3iQ XRP ETF.
That means regulatory developments affecting XRP and Solana in the United States can have relevance even when Canadian rules themselves do not change. Shifts in institutional participation, exchange access or global liquidity can still be reflected in assets and funds available in Canada.
Currency remains another consideration. Crypto assets are commonly quoted globally in US dollars, while Canadian investors may measure performance in Canadian dollars. Exchange-rate movements can therefore strengthen or reduce the local effect of a move in the underlying asset.
What comes next for the CFTC consultation and CLARITY Act
The CFTC consultation is now underway. The agency is seeking written comments on the Regulation CTX and Regulation CAM framework before deciding how subsequent rulemaking should proceed.
Congress could also return to the CLARITY Act or another version of market-structure legislation. The Senate result stopped the bill from advancing at that point, rather than resolving the broader regulatory debate.
For XRP and Solana, the most important signal is therefore no longer a single Senate vote. Attention has moved to whether the CFTC can turn its proposals into workable federal rules, how crypto platforms respond and whether lawmakers eventually establish a broader framework.

