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Some Lomdishe Acronyms For This Thread (Feel free to update the wiki as needed.)

AYLR – Ask Your Local Rabbi
KHLH – כל המקיל לא הפסיד
IMHnrO - In My Humble non-rabbinic Opinion
MB – Mishna Berura
MM - Mar'eh Makom
MMR – Machlokes Mechaber & Rema
NM - Nafka Minah
S – Siman
SF – Se’if
SHUA – Shulchan Aruch
SK – Se’if Katan
WTM – What’s The Mekor (?)
YMMV – Your Minhag May Vary


Author Topic: All Halocha Shailos and teiffa Questions  (Read 304181 times)

Online th0306

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Re: All Halocha Shailos and teiffa Questions
« Reply #3450 on: February 18, 2019, 01:08:34 PM »
What is a regular AU (he has his own card) considered? לוה, or something else undefined? If he is a לוה who is the מלוה?

You'll say the cardholder is the מלוה.

Why do you say the cardholder is the מלוה rather than an ערב and the bank is the מלוה?

Is it in the cardholder agreement?

In a normal case, the AU is supposed to use the card as a shaliach of the cardholder for the cardholder's purchases - and the cardholder is the one who pays the bill.

You seem to be referring to a case where the AU is using it for himself and therefore is supposed to pay the bill himself.

In that case - he is no different than any random guy who is using the card without being assigned as an AU....

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Re: All Halocha Shailos and teiffa Questions
« Reply #3451 on: February 19, 2019, 01:44:50 AM »
Because the bank has no recourse to collect from the AU. The AU has no cardholder agreement with the bank at all.
I hear.
In a normal case, the AU is supposed to use the card as a shaliach of the cardholder for the cardholder's purchases - and the cardholder is the one who pays the bill.

You seem to be referring to a case where the AU is using it for himself and therefore is supposed to pay the bill himself.

In that case - he is no different than any random guy who is using the card without being assigned as an AU....
Why do you say that a AU is a shliach for the cardholder to make purchases? I don't think that's what it is
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Offline aygart

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Re: All Halocha Shailos and teiffa Questions
« Reply #3452 on: February 19, 2019, 08:00:52 AM »
I hear.Why do you say that a AU is a shliach for the cardholder to make purchases? I don't think that's what it is
You hear but you don't understand. If you did then you would understand what @th0306 was saying as well.

I am not sure how to make this more clear. The AU does not owe any money to the bank at all. Zero. Nothing. The only one in debt is the cardholder. If the cardholder does not pay the AU can still just tell the bank that he doesn't owe them anything and it is done. This is why an AU account should not be on your CR. If he does not owe anything then how is he getting money from the bank? He is borrowing for the CH. AKA a shliach.
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Online th0306

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Re: All Halocha Shailos and teiffa Questions
« Reply #3453 on: February 19, 2019, 08:04:27 AM »
I hear.Why do you say that a AU is a shliach for the cardholder to make purchases? I don't think that's what it is

What do suppose is the intended use of an AU?

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Re: All Halocha Shailos and teiffa Questions
« Reply #3454 on: February 19, 2019, 10:34:52 AM »
You hear but you don't understand. If you did then you would understand what @th0306 was saying as well.

I am not sure how to make this more clear. The AU does not owe any money to the bank at all. Zero. Nothing. The only one in debt is the cardholder. If the cardholder does not pay the AU can still just tell the bank that he doesn't owe them anything and it is done. This is why an AU account should not be on your CR. If he does not owe anything then how is he getting money from the bank? He is borrowing for the CH. AKA a shliach.
The way I understood what you were saying was that it can't be the AU is a לוה of the bank because the definition of a מלוה is that they can collect from the לוה. Which over here they can't collect from the AU.

But I thought you were saying the AU borrows from the cardholder not for the cardholder.
The only time I can understand that he's borrowing for the CH is by let's say an employer gives an employee a card to buy stuff for him. But by let's say a parent makes a child a AU to use for whatever they want I would think it's different.

(The way you're saying it works avoids something else I was thinking about. If he's borrowing from, what exactly is he borrowing)

My head is starting to spin already  :)
What do suppose is the intended use of an AU?
The examples above. I don't think it says anywhere in the cardholder agreement that a AU is only to buy stuff for the CH.
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Re: All Halocha Shailos and teiffa Questions
« Reply #3455 on: February 19, 2019, 10:49:01 AM »
But I thought you were saying the AU borrows from the cardholder not for the cardholder.
It is the same thing.

If the AU is not a borrower from the bank yet used the money and owes it then it means that he is borrowing from the CH and in one swoop borrowing from the bank for the CH then borrowing it from the CH. It is not really so complicated. At the end of the transaction, the AU owes the money to the CH who owes it to the bank.
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Offline ah giten

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Re: All Halocha Shailos and teiffa Questions
« Reply #3456 on: February 19, 2019, 11:20:39 AM »
Can you use a Sharpie to paint your tefillin?
For your kid's play tefillin? Sure why not.

Offline good sam

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Re: All Halocha Shailos and teiffa Questions
« Reply #3457 on: February 19, 2019, 11:30:53 AM »
For your kid's play tefillin? Sure why not.
You could have just said you don't know the answer (or even [GASP] not commented).
If you don't care why would you comment?
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Offline ah giten

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Re: All Halocha Shailos and teiffa Questions
« Reply #3458 on: February 19, 2019, 11:32:06 AM »
You could have just said you don't know the answer (or even [GASP] not commented).
You cannot, as everything in tefillin needs to be מן המותר הפיך.

Offline good sam

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Re: All Halocha Shailos and teiffa Questions
« Reply #3459 on: February 19, 2019, 11:33:39 AM »
You cannot, as everything in tefillin needs to be מן המותר הפיך.
That information was already known in the הו"א
If you don't care why would you comment?
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Offline ah giten

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Re: All Halocha Shailos and teiffa Questions
« Reply #3460 on: February 19, 2019, 11:34:39 AM »
That information was already known in the הו"א
That's why I assumed you know the answer and therefore didn't understand why you asked so answered sarcastic.

Offline good sam

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Re: All Halocha Shailos and teiffa Questions
« Reply #3461 on: February 19, 2019, 11:44:47 AM »
That's why I assumed you know the answer and therefore didn't understand why you asked so answered sarcastic.
I still don't know the answer to my question.
If you don't care why would you comment?
HT: DMYD

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Re: All Halocha Shailos and teiffa Questions
« Reply #3462 on: February 19, 2019, 12:35:16 PM »
I still don't know the answer to my question.
A friend of mine asked this question to r belsky years ago. I think the answer was no. I don't remember the reason maybe because the ink has to be made specifically for the tefillin. I'll try to ask him today if I see him
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Re: All Halocha Shailos and teiffa Questions
« Reply #3463 on: February 19, 2019, 02:21:15 PM »
https://forums.dansdeals.com/index.php?topic=101345.0

Suppose they knew about the power outage in advance, what could've been done to have hot cholent that was not left at an unsafe temperature for hours (not using the gas stove)?
Anyone?  This sounds a lot like the light that goes on "randomly" after switched on.  If say, I know there'll be an outage 9pm-6am, it likely won't be exactly 6am on the dot that the electricity is turned on, but randomly, when someone flips a switch (5:58? 6:02?), so just make sure to put it on the hot plate before the electricity is back (assuming food is fully cooked, just need to warm it up)?  If no good, solutions other than cold food?
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Re: All Halocha Shailos and teiffa Questions
« Reply #3464 on: February 20, 2019, 08:48:28 AM »
Is it ok to post something (Whatsapp group) when shabbos is over by me, but I know someone will be reading it when it's still shabbos by him?
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