<strong><span class="subhead">Financial irresponsibility</span></strong></p><p>I get frustrated, bordering on disgusted, with irresponsible personal finance.</p><p>To top it off, Congress, which got upset in the 1990s when lenders wouldn&#8217;t loan enough to people with less-than-ideal credit ratings, now jumps all over those same lenders for being &#8220;predatory&#8221; for lending too much to people with less-than-ideal credit ratings, while federal regulators stood by and watched under the oversight of, you guessed it, the Congress.</p><p><strong><span class="subhead">Exodus story</span></strong></p><p>Yossi Harel was brought to rest &#8212; the commander of the ship carrying &#8220;illegal immigrants&#8221; under the British Mandate period called &#8220;Exit Europe.&#8221; At the time that these survivors were at the French Port-de-Bouc, a small boat sneaked in. On that boat was my father, Moshe Sneh, who was responsible for all Aliyah Bet missions. In order to boost their morale , he spoke by megaphone to the 4,500 survivors.