Tachlikh

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Dans de nombreuses communautés, on a coutume d’aller à un point d’eau, le premier jour de Roch hachana – la mer, un fleuve, une source – et de dire certains versets, parmi lesquels : « Il nous prendra de nouveau en miséricorde, recouvrira nos iniquités ; et Tu jetteras dans les profondeurs de la mer toutes leurs fautes » (Michée 7, 19). C’est pourquoi cette prière se nomme Tachlikh (« Tu jetteras »). Au fil des générations, nombreux furent ceux qui ajoutèrent à cette occasion d’autres passages et prières.

La coutume de Tachlikh a son origine à l’époque des Richonim d’Allemagne. Au cours des générations, elle devint courante, parmi les Séfarades également, en particulier après que Rabbi Isaac Louria (le saint Ari) en eut fait l’éloge. Certes, il n’y a pas d’obligation à l’accomplir ; et l’on voit, en pratique, que certains grands maîtres d’Israël n’en avaient point l’usage (le Gaon de Vilna, Rabbi Haïm de Volozhin) ; c’est aussi le cas des originaires du Yémen, dans leur majorité. Certains ‘Hassidim l’accomplissent un des jours profanes qui suivent Roch hachana.

Quant à la signification de cette coutume : certains auteurs écrivent qu’elle vise à rappeler l’esprit de sacrifice de nos pères Abraham et Isaac, qui, au moment où ils cheminaient vers le lieu de la ligature, passèrent près d’un ruisseau ; soudain, le ruisseau submergea leur chemin, afin de les mettre à l’épreuve (Maharil). De plus, l’eau fait référence à la pureté et à la vie ; quand une personne s’éveille à la téchouva, elle est purifiée et se nettoie, ses péchés sont annulés dans des eaux pures. En outre, cette cérémonie exprime la prière que l’Éternel rejette dans les profondeurs de la mer les accusateurs, qui ont été créés par le biais de nos fautes, de manière qu’il n’en subsiste plus de souvenir. Certains ont l’usage de secouer les bords de leur vêtement, quand ils récitent le mot Tachlikh, pour faire allusion au fait que les fautes sont extérieures à nous : ce n’est qu’à la suite d’influences étrangères que nous y avons succombé, mais en vérité, nous nous dégageons de cela.

Dans leur majorité, les femmes n’ont pas coutume d’aller à Tachlikh ; certains auteurs disent qu’il est même préférable qu’elles ne le fassent point, afin qu’il ne s’ensuive pas de promiscuité entre hommes et femmes au moment d’aller à un point d’eau (Elef Hamaguen 598, 7). Quoi qu’il en soit, les femmes qui voudraient pratiquer cette coutume y sont autorisées.

Quand il n’est pas possible d’aller à un point d’eau, on a l’usage de réciter Tachlikh près d’un puits, ou du bain rituel (miqvé). S’il est possible de voir la mer ou le ruisseau de loin, certains ont l’usage de réciter le texte ainsi.

Rav Eliézer Melamed

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    Резюме/заключение: Размышления о том, почему важно знать об опасностях, связанных с кредитами до зарплаты.
    Кредиты до зарплаты могут быть заманчивым решением для людей, испытывающих финансовые трудности, но они связаны с серьезными рисками. Важно знать об этих опасностях, прежде чем брать кредит до зарплаты, так как высокие процентные ставки и комиссии, связанные с ними, могут быстро привести к циклу долгов, из которого трудно вырваться. Кроме того, кредиторы « payday » часто нацелены на уязвимые группы населения, такие как люди с низким уровнем дохода или те, кто не имеет доступа к традиционным банковским услугам. Эта хищническая практика кредитования делает еще более важным понимание всех последствий получения кредита до принятия каких-либо решений.

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    Еще одним важным фактором при рассмотрении вопроса о получении однодневного кредита является его продолжительность. Большинство из них предназначены для краткосрочного решения проблем; однако, если заемщик не может погасить свой баланс в установленные сроки, он может столкнуться с тем, что с него взимаются большие штрафы за просрочку или расходы на пролонгацию. Это может затруднить для заемщиков возможность наверстать упущенное и привести к тому, что они могут влезть в долги, так как их первоначальный баланс продолжает расти с угрожающей скоростью из-за всех этих дополнительных платежей и сборов.

    Потенциальным заемщикам также важно тщательно изучить различных кредиторов, прежде чем брать на себя обязательства. Некоторые хищные кредиторы применяют неэтичные методы, такие как взимание скрытых комиссий или предоставление вводящей в заблуждение информации о планах погашения, чтобы воспользоваться преимуществами ничего не подозревающих клиентов, которые не полностью понимают условия и положения, связанные с этими кредитами. Лучше всего не только внимательно читать все документы, но и задавать вопросы, если что-то кажется неправильным – это поможет вам не попасть в ловушку недобросовестных кредиторов, которые могут попытаться воспользоваться вашей неосведомленностью или финансовым положением.

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    Для многих людей привлекательность займов до зарплаты может показаться непреодолимой. Обещание быстрых денег без проверки кредитоспособности является сильным соблазном для тех, кто испытывает нехватку денег и кому больше некуда обратиться. К сожалению, этот вид кредита часто приводит к дальнейшим финансовым проблемам – особенно если он не возвращается своевременно.

    К счастью, можно избежать долгов по кредитам payday, если понимать, как эти кредиты работают, и предпринимать активные шаги по управлению своими финансами. Вот три примера людей, которые успешно избежали долгов по кредитам payday:

    1. Джон: Джон боролся со своими счетами в один из месяцев, когда узнал, что может оформить онлайн-заявку на получение однодневного кредита. Вместо того чтобы сразу обратиться за кредитом, он начал с изучения других вариантов. Рассмотрев несколько альтернативных вариантов, включая разговор с друзьями о займе денег и поиск дополнительных способов быстрого заработка, Джон решил не брать кредит, хотя в тот момент это помогло бы ему быстро получить деньги.

    2. Джессика: Джессика уже была в долгах, когда однажды получила по почте предложение о предоставлении кредита на день зарплаты. Хотя она думала, что это может быть легким выходом из финансового кризиса, она знала, что лучше не соглашаться на такой кредит с высокой процентной ставкой, не изучив предварительно все возможные варианты. В итоге она нашла временную работу, которая позволила ей погасить существующий долг, избежав при этом принятия на себя более опасных финансовых обязательств, таких как кредиты до зарплаты.

    3. Алекс: Алекс имел дело с растущими медицинскими счетами, когда узнал о местном кредиторе, который предлагал быстрое одобрение и выдачу наличных без кредитной проверки или залога. Он решил не брать кредит и вместо этого обратился в такие организации, как United Way и местные благотворительные фонды, которые предоставляют экстренную финансовую помощь тем, кто столкнулся с неожиданными медицинскими расходами или другими жизненными кризисами.

    Эти истории показывают, что даже люди, столкнувшиеся с финансовыми трудностями, могут избежать застревания в круговороте однодневных кредитов, если они проявят изобретательность и примут разумные решения в отношении своих финансов, прежде чем слишком глубоко ввязываться в любой вид высокорискованного кредитного соглашения

    Резюме/заключение: Размышления о том, почему важно знать об опасностях, связанных с кредитами до зарплаты.
    Кредиты до зарплаты могут быть заманчивым решением для людей, испытывающих финансовые трудности, но они связаны с серьезными рисками. Важно знать об этих опасностях, прежде чем брать кредит до зарплаты, так как высокие процентные ставки и комиссии, связанные с ними, могут быстро привести к циклу долгов, из которого трудно вырваться. Кроме того, кредиторы « payday » часто нацелены на уязвимые группы населения, такие как люди с низким уровнем дохода или те, кто не имеет доступа к традиционным банковским услугам. Эта хищническая практика кредитования делает еще более важным понимание всех последствий получения кредита до принятия каких-либо решений.

    Первое, на что следует обратить внимание, когда вы думаете о кредите на день зарплаты, – это тот факт, что процентные ставки по ним, как правило, намного выше, чем по другим видам займов. Средняя годовая процентная ставка (APR) по кредиту в день зарплаты может составлять от 200% до 500%, что делает его более дорогим, чем большинство других форм кредитования. Это означает, что если вы возьмете 500 долларов на две недели, то в конечном итоге вам придется заплатить почти в два раза больше только за проценты! Кроме того, многие кредиторы добавляют дополнительные комиссии и сборы к основной сумме займа, что еще больше увеличивает общую стоимость кредита и ставит заемщика в затруднительное финансовое положение.

    Еще одним важным фактором при рассмотрении вопроса о получении однодневного кредита является его продолжительность. Большинство из них предназначены для краткосрочного решения проблем; однако, если заемщик не может погасить свой баланс в установленные сроки, он может столкнуться с тем, что с него взимаются большие штрафы за просрочку или расходы на пролонгацию. Это может затруднить для заемщиков возможность наверстать упущенное и привести к тому, что они могут влезть в долги, так как их первоначальный баланс продолжает расти с угрожающей скоростью из-за всех этих дополнительных платежей и сборов.

    Потенциальным заемщикам также важно тщательно изучить различных кредиторов, прежде чем брать на себя обязательства. Некоторые хищные кредиторы применяют неэтичные методы, такие как взимание скрытых комиссий или предоставление вводящей в заблуждение информации о планах погашения, чтобы воспользоваться преимуществами ничего не подозревающих клиентов, которые не полностью понимают условия и положения, связанные с этими кредитами. Лучше всего не только внимательно читать все документы, но и задавать вопросы, если что-то кажется неправильным – это поможет вам не попасть в ловушку недобросовестных кредиторов, которые могут попытаться воспользоваться вашей неосведомленностью или финансовым положением.

    В заключение следует отметить, что, хотя кредиты до зарплаты могут обеспечить быстрый доступ к средствам в трудные времена, к ним всегда следует подходить с осторожностью из-за их непомерно высокой стоимости и потенциальных подводных камней, таких как скрытые комиссии и расходы на пролонгацию, которые при неправильном подходе могут быстро загнать заемщика в бесконечный цикл долгов . Прежде чем подписаться на одного из кредиторов, необходимо тщательно изучить информацию о различных кредиторах, чтобы избежать этих неприятных ловушек, поэтому всегда помните, что нужно делать домашнюю работу!

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