From the time we are very young, people start asking, “What do you want to be when you grow up?” At first, the answers are simple – firefighter, astronaut, princess. But over time, those childhood dreams fade and, bigger more complicated questions emerge: How can I make a difference? How can I build a career doing something I love – or at least something I’m good at?

Now, as I approach retirement, I find myself staring down that very same question – but with a twist: What do I want to do with the rest of my life?

Temporary Cash Assistance (TCA) is Maryland’s version of the federal Temporary Assistance for Needy Families (TANF) program. Designed to help low-income families with dependent children, TCA provides monthly cash support to meet essential needs such as housing, food, utilities, clothing, and childcare. The ultimate goal is to support families in becoming self-sufficient through employment and education.

This article outlines the key features of Maryland’s TCA program, how it differs from TANF in general, how income is counted (especially in households with stepparents), eligibility rules, and tips for a successful application.

TCA vs. TANF: What's the Difference?

TANF is a federal block grant program administered by the U.S. Department of Health and Human Services. Each state implements TANF under its own rules and program name. In Maryland, TANF is administered as TCA through the Family Investment Administration.

So, when people talk about applying for TANF in Maryland, they are actually applying for TCA.

Maryland has customized its TCA program with rules that are slightly more flexible than federal minimums, including:

·         A 12-month certification period, meaning you are approved for benefits for a full year without a mid-point review, unless there is a major change in circumstances. This is better than SNAP, which requires a mid-certification Review (MBR) every six months, and in some cases, as frequently as three months.

by Aidee Moss

Today, I interviewed Dalya Attar.

What year did you graduate from Bais Yaakov Baltimore, and what was the school like then?  

I graduated from Bais Yaakov in 2007. My grade was one of the largest, with about 120 students. We attended elementary school at the Park Heights campus and switched to the Smith Avenue campus in sixth grade. In high school, one of my favorite activities was Exhibit. It was an incredible experience that taught me about the subjects we presented during the event but also how to collaborate with others.  

Have you kept in touch with friends from high school or seminary? 

Absolutely! I am still close with many of them. We talk regularly and occasionally get together as a group. Those friendships have lasted through the years. 

by Moshe Roth, MSPT

Shortly after October 7, 2023, after the dreaded nightmare that affected everyone in the Jewish world, Am Yisrael came together to help out brothers and sisters in Eretz Yisrael: monetarily, politically, communally, and even professionally. From the outset, doctors and first responders were flying to Israel continuously to help the overwhelmed and understaffed hospitals. About a month after the onset of the war, a national organization – EVP (Emergency Volunteers Project) – sent out a call looking for volunteer physical and occupational therapists. Almost immediately, close to 40 therapists signed on.

As a physical therapist myself, I knew that my chances for going were a long shot because, barring a mass casualty event, rehab is a long process that begins once all the medical and surgical issues have been taken care of. But as time went on, some on the volunteer list were really itching to go. Having lived and worked in Israel not too long ago, I reached out to some of my contacts asking if there was a need for therapists, and they all responded that they appreciated the sentiment, but they were fully staffed. I reached out to one last person. At the time, he was just a contact on LinkedIn but is now my good friend, Dr. Shiloh Kramer, Director of Orthopedic Rehabilitation at ADI Negev Rehabilitation Hospital. I sent him a note through LinkedIn asking if he needed therapists because I knew of 40 or so therapists looking for volunteer opportunities.

by Chaim Yehuda Meyer

On Monday, April 28^th, I arrived in Washington D.C. bright and early to hear arguments in the case of A.J.T. v. Osseo Area Schools, a Supreme Court case involving a middle school student named Ava Tharpe who suffers from epilepsy. Because her seizures are worse in the morning, she wants to be able to come to school in the afternoon and receive further instruction at home in the evening. This is an accommodation that was made for her as an elementary school student in Tennessee. However, when the Tharpe family moved to Minnesota, the local school district denied this accommodation, and the family sued.

Ava’s case has gone up the court system from the administrative level to the court of appeals. Now, the Supreme Court is being asked to decide whether it’s enough for children with disabilities to show that school districts acted with indifference in denying them special education services, a lower standard, or if the children must show that the district acted with “bad faith or gross misjudgment,” a higher burden of proof. The plaintiff’s attorneys argue that the current standard adopted by many courts around the country is unfair to students with disabilities. (Currently, employees who sue for discrimination don’t have to show intent.) The school district is arguing that if the lower standard is applied, then schools that have a good faith disagreement with parents over the education that needs to be provided will still have to pay. The government agrees with the plaintiff that the more lenient standard for parents to sue should be applied.

by Jakub Lichterman and Michael Kidorf, Ph.D.

Many traits run in families, and unfortunately, substance use is one of them. Several studies show that parents impact the substance use of their children through genetic transmission, parenting styles, and their own substance use habits. This model conforms to a traditional “top down” vertical approach to understanding family problems. But perhaps there is also an overlooked horizontal process that occurs within families, in which siblings impact each other’s substance use, independent of the influence of their parents.

It makes complete sense that siblings might influence each other’s tendencies to use substances. Teenagers spend more time with their siblings than with their parents. In general, young people are susceptible to the influence of others, unlike adults who are often set in their ways. Younger siblings, for example, often view their older siblings as role models and inherit many interests from them. They might share friends, music tastes, hobbies, or pretty much anything else. It is not hard to imagine a younger sibling choosing to “experiment” with substances that his or her older sibling has already used.

Spring was always beautiful in Barcelona, and this year, 1715, was no exception. The harbor was one of the busiest in the Mediterranean, crowded with all sorts of ships 365 days a year. On this evening, Signor Bembo, the Genoese captain of a merchant vessel was loading the last of his cargo; the ship would sail with the morning tide. As Bembo looked up at the sky, which was ablaze with a thousand stars, he suddenly heard the sound of a man clearing his throat. At the bottom of the gangplank stood a Spanish gentleman of about 30 or so.

“Yes, what do you want?” barked Bembo.

“Permission to come aboard, captain,” replied the gentleman.

“Granted,” barked Bembo, who instinctively fingered the dagger he wore at his side. Although the civil war had ended over a year before, conditions in Spain were still unsettled, and one could not be too careful with strangers.

Once on board, the Spaniard removed his hat and bowed low. “I am Don Antonio Carvaljho.”

He certainly has the manners of a gentleman, Bembo thought to himself.

“I understand you are sailing for Livorno in the morning. I have urgent business there which requires my presence. Will you take me, captain?”

I must admit that when Purim falls on erev Shabbos and erev Pesach falls on Shabbos, it can be challenging. But now that Pesach is packed away and the last load of laundry is in the washer, there’s no time to waste. It’s time to start planning for another challenging yet eagerly anticipated event: Nismach’s fourth annual Labor Day Weekend Shabbaton, planned for Friday through Sunday, August 29 to August 31.

The Shabbaton attendees are primarily members of Nismach Maryland, the local friendship and activities group for Jewish almanos (widows) formed in 2016 by Stephanie Savir-Perlman of Silver Spring. They have been joined by other almanos from as far away as Boca Raton, Brooklyn, Chicago, Cleveland, Detroit, Lakewood, Monsey, New Haven, and Passaic.

Both of us having personally experienced widowhood, my husband, Michael Steinberg, and I – aided by a small army of our family members, friends, and neighbors – particularly look forward to hosting yet another beautiful, bekavodik, and uplifting Shabbos for approximately 60 women.

As you read this, you might think that you’ve never heard of anything sadder than a Shabbaton for widows, but nothing could be further from the truth. As the organization’s name implies, Nismach is a group that encourages happiness. It is patterned after the international group, Samchainu, which gives support to 2,700-plus widows throughout the world. Our activities are uplifting and fun with the intention of reminding the participants that, even though our husband has died, we all need to continue seeking happiness and enjoy life.

Yaakov* was at that tough age, when a child is beginning to move out of being a little kid but not quite at the grown kid stage, the age when the other kids start to look more closely at how you dress, how you carry yourself, how you look. Unfortunately for Yaakov, the boys in his class looked down on him. It was a tough time at home, too. His parents weren’t getting along; they were having money problems and fighting a lot. Neither of them had the focus or emotional availability to see what Yaakov needed. The kids noticed that he wore old clothes that didn’t fit him, they weren’t washed and ironed neatly, and he carried himself in a withdrawn and unapproachable way. That’s when Reyus got involved. 

The principal of the school had heard of our Buildup program and reached out to bring it into his school. We began working with the school and training the staff, and an amazing thing happened. The principal was walking past Yaakov and another student in the hallway, one day, and happened to hear Yaakov tell this boy a joke. The joke was genuinely very funny. He thought to himself how funny Yaakov was and was about to keep walking, as he would normally have done, but then our Buildup training kicked in, and he realized that this was a golden opportunity to provide Yaakov with a “buildup.” On the spot, he stopped and said loudly and clearly for all the boys around to hear that Yaakov was very funny. A nearby boy, then turned to Yaakov and said, “You know, what he [the principal] said is right.” That’s all it took for things to start to turn around.

Reviewed By Rabbi Mordechai Shuchatowitz, Head of the Baltimore Bais Din

In a previous article (February, 2025), we discussed the halachos of bal talin. Bal talin refers to the mitzva to pay workers on time. We will present a brief summary of the halachos previously discussed and will then discuss some new situations.

Bal talin means that if a worker was hired for the entire day, the worker must be paid that night. Conversely, if the worker was hired to work for the entire night, then the worker must be paid the next day. Let’s use an example of a babysitter hired by parents to watch their children.  If the babysitter watched children throughout the day Sunday until night, the parents must pay her some time Sunday night, before daybreak Monday morning. If she watched them for Sunday night until Monday morning, then she must be paid Monday, before nightfall.

This is also true if the babysitter watched the children for a few hours during the day; she must be paid by the end of the day before nightfall. Conversely, if the babysitter watched the children for a few hours during the night, she must be paid by the end of the night before daybreak.

The mitzva does not just apply to a worker. It also applies to a renter who rents an item to use for a day, such as rental of a car, tables and chairs, or any other utensils. The above parameters of what halacha considers to be a timely payment will also apply.[1]

It should be noted that for a rental of something that is halachically considered karka, part of the ground, there is a question whether the halachos of bal talin apply. For example, someone rents a room in a hotel that is owned by another Jew. There is a question in the poskim as to whether the halachos of bal talin will apply.[2] However, even if the mitzva of bal talin would not apply, there is still an obligation on the renter to pay in a timely fashion. This point will be explained more fully in this article.