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The Newsletter for Chai Care, a program of the Jewish Community Foundation of Broward County SEPT/OCT 2019 | ELUL/TISHREI/CHESHVAN 5779-5780
VOL. 3, ISSUE 2
T H E
CONTENTS FROM THE DESK OF BILL GROSS
.............................................................. Page 2 CHAI LIGHTING
Lori Adelson ........................................ Page 3 QUALIFIED CHARITABLE DISTRIBUTIONS
BLS....................................................... Page 4 A FUNNY MOMENT WITH ROSE & APPLE CHALLAH........................... Page 5 EVENTS CALENDAR & END OF YEAR GIVING...................... Page 6 MEDICAL MOMENT
Hereditary Breast Cancer.................... Page 7 OUR MISSION STATEMENT
.............................................................. Page 8
PROUDLY SPONSORED BY:
position
Chai Care Chair: Carol Lasek
I like to view myself as a collector, particularly of “old things.” I love the rich, historical connections and the thrill of the hunt. My husband uses a different six–letter word to describe my habit and thinks my passion for stuff has gotten out of control. Though I think his assessment is a tad harsh, I often reflect on whether I have actually crossed the line between being a collector and a hoarder. It’s difficult for me to think of myself as a hoarder. But truth be told, I come from a long line of females who loved amassing items which they cherished for decades and never gave away. My mom was the queen collector and even wrote me an apology note before she died, knowing the mess she was leaving behind. Am I alone in this obsession or is my interest in vintage things just a sign of age? They say the items we gather as we age often represent both old and new memories, travel and friendships. But the bottom line is the clutter drives my husband crazy and my relationship with him is more meaningful than things. So in the interest of shalom bayit, peace in our home, I have hired two caring organizers who are carefully curating my collection and balancing my love for stuff with my husband’s need for a more orderly garage. The upcoming High Holidays offer the perfect opportunity for us to reflect on our top priorities, to find that balance between that which pleases us and yet negatively affects those with whom we share our lives. May this year bring us health, happiness and peace in our cluttered or clutter-free homes.
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Shana Tova SEPT. 29 - OCT. 1 | Rosh HaShanah OCT. 8 - 9 | Yom Kippur OCT. 13 - 15 | Sukkot OCT. 20 - OCT. 22 | Shemini Atzeret & Simchat Torah
FROM THE DESK OF BILL GROSS The Jewish Community Foundation of the Jewish Federation of Broward County is proud to serve as the central endowment fund for the entire Broward Jewish community.
I am proud to represent the Foundation as Chair through June 2021. Joining me on the Foundation Board of Trustees are an additional 17 devoted leaders to raise, invest, distribute and oversee the day-to-day operation of the Foundation. The Jewish Community Foundation seeks to creatively fulfill the charitable objectives you envision by creating a Jewish legacy.
Imagine a Broward Jewish community that can: • Address the needs of the nearly 25% of seniors living at or below the poverty line; • Offer programs and services to families of children who have aged out of special needs services; • Respond to Jews in the Former Soviet Union, Europe and South America currently on waiting lists to flee their country; • Respond to emergencies in our back yard;
• Make Jewish life exciting, engaging, world Thank you for choosing to make an impact class and affordable. for future generations through the Jewish Community Foundation. What issues are you passionate about? What do you see as innovative in the Philanthropic world?
Bill J. Gross
Chair, Jewish Community Foundation
If you could solve any problem, what would it be and why? Have you considered creating your Jewish legacy? Your legacy can reflect everything that is most important and meaningful to you. A legacy planning process can be the catalyst for meaningful conversations with your family and can build bonds with partners in our community.
Jewish tradition teaches us that it is our responsibility to make the world a better place for future generations. Chances are you have spent a lifetime helping people. A legacy gift is a great way to perpetuate your support for the work of the organizations that were important to you during your lifetime.
Pooled Special Needs Trust
Pooled Minors Trust
• Preservation of Government Benefits
• Court Appointed Professional Trustee for Minors
• Provision for Naming remainder Beneficiary
• Nonprofit Trustee Partnering with Local Charities
• Ability to Accept First Party and Third Party Funds
• Flexibility for Courts to Tailor Disbursement Guidelines and Investment Criteria
2875 NE 191st St, Ste 500, Aventura, FL 33180
267.327.4087 | DLettau@SecuredFutures.org | SecuredFutures.org Our mission is to provide customized trustee and fiduciary services for minors and persons with disabilities. We work to ensure the continuity of long-term support and resources that improve the lives of those we serve.
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CHAI LIGHTING Lori Adelson
Lori Adelson has inspired many as she turned her journey in South Florida into her life’s mission. In her brief, experience-rich 6 years as a leader in the Jewish Federation of Broward County, Lori has been actively living her legacy by sharing her voice, mentoring aspiring leaders and unifying her philanthropic, professional and legal worlds for the strength of community. Her Federation involvement has included work with JNet (formerly known as Professional Networks), Attorneys' Division, Women's Executive Circle, Women's Philanthropy and her leadership roles on the Board of Directors. This University of Michigan and Hofstra law alumni arrived to Broward 13 years ago with the knowledge that she was here to serve a bigger purpose - she just hadn't yet identified what that might be. It was in 2013 that she embarked on her first mission to Israel and had the opportunity to experience Federation dollars at work. It was that very same trip that inspired her to do more and propelled her involvement in Federation leadership. Her very first contribution was given on this mission to Israel, which transformed her into a Lion of Judah,
thus launching her story in the world of Jewish philanthropy. The selfproclaimed "recovering trial lawyer", now legal consultant and mediator, committed to a life path that engages personal lives within our community and motivates professional giants to get involved in creating legacy through philanthropic giving. Her message inspires those who are looking to make a resounding impact within the Jewish community here in Broward County, Israel and around the world. It was Jill Ginsberg, and Franklin Zemel, her then law partner, who encouraged her involvement in the Jewish Federation of Broward County. Franklin’s wife, Karen Zemel, then introduced her to the women who would become her kindred social support, the professionals of the
My heart is with the Federation. Women's Executive Circle (WEC). It was one of the founders, Adrienne Frank, that brought her under her wing and showed her the ropes. Not long after getting involved, Frank asked Lori to Co-Chair WEC, and she wholeheartedly accepted the role because "they inspired me to do more." In June of 2015, a life-changing event took place in Lori’s life as her mother lost her life to lung cancer. When Federation professionals and lay leaders unexpectedly showed up to support her in her grief, that was
when she knew: "This is my place; this is my family." Impacted by the loss of her mother, she discovered a program that, with a little foresight and planning, could be utilized for protection down the line. Chai Care, which was in its early stages of infancy, honored her heart, values and heritage in a very tangible way. By naming the Federation’s Jewish Community Foundation as the beneficiary of a planned gift, she became a member of the Legacy Society. Her advocacy to "stand-up and contribute" within the greater community is greatly received by many. Lori has inspired numerous community members to become committed donors and Corporate Partners of the Jewish Federation of Broward County. She shares in the vision that “we are on long-term paths to continue to contribute on a regular basis” and that strategic foresight will ensure the Federation’s ability to continue giving back to the community for many years from now, not just today, but tomorrow, and beyond.
Contact us today for more information about Chai Care, Esther Cohen, Chai Care Director at O: 954-252-6952 C: 954-770-9876 or ecohen@jewishbroward.org. CHAI TIMES 3
Qualified Charitable Distributions: Make Your Charitable Contributions Right Out of Your Individual Retirement Account Provided by: Mitch Starr, BLS
If you are over age 70½, you can transfer income (tax-free up to $100,000 in a tax year) directly from your Individual Retirement Account (IRA) to your favorite charity. These payments, known as qualified charitable distributions (QCD) count toward meeting your annual Required Minimum Distribution (RMD) amount. Distributions from qualified plans, such as 401(k)s and pension plans and 403(b)s, do not qualify for QCD treatment. QCDs cannot be made to donor-advised funds and certain other charities.
How You Can Benefit Under the Tax Cuts and Jobs Act of 2017, making charitable gifts from your IRA may be more beneficial than ever before. It almost doubles the standard income tax deduction available to nonitemizers, while at the same time restricting other potential itemized deductions. As a result, it is expected that more taxpayers than ever will claim the standard deduction rather than choose to itemize. You can make a QCD from your IRA while still claiming the maximum available standard deduction. A QCD does not affect your ability to take the standard deduction. The standard deduction for a married couple, both over the age of 65, is $27,0001 for single individuals the amount is $13,850.1 So long as all of your other itemized deductions (such as the allowable portion of medical expenses, state and local taxes and mortgage interest) are less than the standard deduction, you will reduce taxes by making your charitable contributions out of your retirement account. Your overall Adjusted Gross Income (AGI) impacts whether your
Social Security is taxable, whether the investment surtax applies and other aspects of your overall income tax return. Utilizing QCD may enable you to minimize your overall tax liability. For individuals with high medical expenses who are able to itemize deductions, allowable medical deductions are reduced by a percentage of AGI. Utilizing QCD may enable you to deduct a larger portion of your medical expenses.
How It Works The process to make this happen is relatively easy; you simply contact your IRA custodian to obtain the appropriate form for a QCD. The IRA custodian must pay the distribution directly to the charity. For RMD purposes, the QCD is considered to have been distributed to you. You can make a QCD that exceeds your RMD, but the QCD cannot exceed $100,000. Note: You will receive a Form 1099-R from the IRA custodian reporting the distribution as taxable and must report it on your tax return, though it is not included in computing your adjusted gross income. The Bottom Line Qualified charitable distributions can be an effective way to use RMDs from IRAs to benefit charities and potentially reduce your income taxes. The QCD is not included in your adjusted gross income. This means computations based on AGI, such as the amount of Social Security subject to tax, the floor for deducting medical expenses and the charitable contribution limitation, are lower than if the RMD were taxable. Consult your personal tax advisor for guidance specific to your situation.
The information provided is not written or intended as specific tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. 1 2019 – Indexed for inflation
Bridging the gap to the next generation At Bienenfeld, Lasek & Starr, LLC, every client, whether you are generation X, a baby boomer or a millennial, deserves great service and support. Our personable approach to comprehensive financial planning begins with our investment in you and then bridging the gap with your loved ones, your business, and your future. This is our mission and the reason why we are committed to helping you get the most out of your financial life now and generations yet to come. It's also the reason we are proud to support the Jewish Federation of Broward County. We are honored to be involved with an organization with a strong dedication to its community and a solid commitment to supporting Jewish Life all over the world.
Bienenfeld, Lasek & Starr, LLC 1000 Corporate Drive • Suite 600 Ft. Lauderdale, FL 33334 (954) 689-9484 • Fax (954) 491-1268 www.blsfinancial.com
Financial Planning • Life Insurance • Disability Income Insurance • Long Term Care Insurance • Annuities • Investments • Wealth Management
Securities, investment advisory and financial planning services offered through registered representatives of MML Investors Services, LLC Member SIPC. 1000 Corporate Drive Suite 700, Ft. Lauderdale, FL 33334. 954-689-9484. Bienenfeld, Lasek & Starr, LLC. and BLS Wealth Management, LLC are not subsidiaries or affiliates of MML Investors Services, LLC or its affiliated companies. CRN202106-249317 SOC7461 619
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On a lighter note, a funny moment with Rose
A Senior Citizen's Lament
Thought I'd let my doctor check me cause I didn't feel quite right. All those aches and pains annoyed me, and I couldn't sleep at night. He could find no real disorder, but he wouldn't let it rest. What with Medicare and Blue Cross it wouldn't hurt some tests. To the hospital he sent me, thought I didn't feel that bad. He arranged for them to give me every test that could be had. I was fluoroscoped and cystoscoped, my aging frame displayed, stripped upon an ice-cold table while my gizzards were x-rayed. I was checked for worms and parasites for fungus and the crud,
Rose Boyarsky
while they pierced me with long needles taking samples of my blood. Doctors came to check me over, probed and pushed and poked around, and to make sure I was living, they wired me for sound. They have finally concluded: (their results have filled a page) What I have will someday kill me, my affliction is OLD AGE. (Author Unknown)
APPLE CHALLAH INGREDIENTS:
PREPARATION:
• • • • • • • • • • • • • •
1.
1 cup warm water (110 degrees F) ½ cup Sugar ½ Cup Oil 2 Eggs 2½ teaspoons salt ½ teaspoon cinnamon 2 tablespoons dry yeast 5 to 6 cups flour 3 cups coarsely chopped apples ¼ cup Sugar 1 tbsp. cinnamon 1 tbsp. lemon juice 1 Egg, beaten 1 tsp. sugar
In a large mixing bowl, combine the first six ingredients, in order listed Stir in a cup or two of the flour, then add yeast. 2. Add enough additional flour to equal about 5 cups, and stir/knead into smooth dough, adding additional flour if needed. Knead dough for 8-10 minutes. Shape into a ball, place in a greased bowl, cover, and let rise in a warm place until doubled, about 45-60 minutes. 3. Place apples, sugar, cinnamon and lemon juice in bowl, set aside. 4. Punch down the risen dough, kneading to remove excess air bubbles. On a lightlyfloured surgace, roll the dough into a large round, about 1/2-inch thick Spread apple mixture over the dough. 5. Fold the edges of the dough over the apples and continue to fold/roll the dough to make one big lump with the filling enclosed. Let rest 5 minutes. 6. Grease a 10-inch springform pan. Place springform pan on a large cookie sheet (to catch any leaks during rising/baking). 7. Using a sharp knife, cut off chunks of the dough and place them in the prepared pan. The apple pieces should be randomly dispersed throughout the dough chunks. Sprinkle with any apple drop out over top. 8. Combine the egg and sugar, and then dab the egg wash over the top of the dough. Sprinkle with coarse sugar if desired. Cover gently with a piece of plastic wrap and place pan in a warm location to rise. 9. When dough has almost doubled in size, pre-heat oven to 350 degrees and then place baking sheet/springform in the middle of the oven to bake for 45-55 minutes or until done. 10. When challah is done, remove from the oven and cool in the pan for 10 minutes. Turn out of pan onto a cooling rack and cover with a clean towel until completely cool.
Recipe published on jamiegeller.com
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MAR RECEPTION SUPER SUNDAY AUG REMEMBER MAR KUGEL NOV APR JUDICIAL SUPER SEPT MAR RECEPTION SUNDAY NOV MAY REMEMBER KUGEL NOV The Event APR SUPER JUDICIAL SUNDAY MAY RECEPTION DEC SEPT AUG MAR An EveningEvent to ANNUAL The NOV MAY JUDICIAL REMEMBER MEETING DEC MAY RECEPTION Major Gifts & Legacy Society KUGEL SEPT MAR MAY DEC REMEMBER MEN’S JAN JUN KUGEL ANNUAL The Event APR NOV DEC MAY MEETING JWF GRANT MAR SUPER NOV SUNDAY JAN JUN DEC The Event ANNUAL JUDICIAL MAR MEETING ANNUAL RECEPTION SEPT The Event MEETING DEC An Evening to @JEWISHBROWARD Horizons Graduation & JUDICIAL
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COMMUNITY CAMPAIGN CELEBRATION *DatesMEN’S subject to change
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COMMUNITY CAMPAIGN CELEBRATION
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*Dates subject to change 8TH ANNUAL
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@JEWISHBROWARD | WWW.JEWISHBROWARD.ORG
COMMUNITY CAMPAIGN CELEBRATION COMMUNITY CAMPAIGN CELEBRATION
JWF GRANT
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ANNUAL MEETING
A CELEBRATION OF WOMEN
@JEWISHBROWARD | WWW.JEWISHBROWARD.ORG Make your tax-deductible donation to the Jewish Federation of Broward County today.
@JEWISHBROWARD | WWW.JEWISHBROWARD.ORG Horizons Graduation &
Your gift will help support our Jewish community at home and around the globe. YLD Signature Event And it will help you too... Note: Donating more this year could allow you to take advantage of a deduction that may go away or be limited in the future.
*Dates subject to change
Make a payment by Monday, December 31, 2019. COMMUNITY CAMPAIGN CELEBRATION
Cash • Credit Card • Check • Stock (received by Friday, December, 27th) • Qualified donation through your IRA
MARK YOUR CALENDARS
Donate online at www.jewishbroward.org/ways-to-give
Email Alida O’Toole at aotoole@jewishbroward.org
Call Alida O’Toole at 954-252-6933
Mail check, made payable to the Jewish Federation of Broward County, to 5890 S. Pine Island Rd., Davie, FL 33328
This letter is for informational purposes only and should not be construed as legal, tax or financial advice. When considering gift planning strategies, you should always consult with your own legal and tax advisors.
@JEWISHBROWARD | WWW.JEWISHBROWARD.ORG
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MEDICAL MOMENT
Hereditary breast cancer: A lot more than just BRCA1/2 Most people nowadays know about BRCA1/2, and that Ashkenazi Jewish individuals do have an increased risk of having a mutation in these genes that increase the risk for breast and ovarian cancer. This testing has been available since the late 90’s, but a lot has changed in the 20+ years this testing has been available. We have always known there was more to hereditary breast cancer than BRCA1/2, but the ability to do more had been limited due to technology. In the past 6 years we had advances in genetic testing which now allows us to test many genes at once with a single blood draw (or saliva specimen). This new type of testing is called panel testing. Some of these genes
like CHEK2 also do have an increased risk in the Ashkenazi population. Because of this new technology, anyone who has had genetic testing for only BRCA1/2 in the past can have an “update” testing where they are tested more extensively for hereditary breast cancer. This of course can be helpful information for themselves as well as family members to know what they may be at risk for. While BRCA1/2 increases the risk for breast and ovarian cancer (as well as prostate and pancreatic cancers), other genes may increase the risk for colon cancer, or may tell us that there is no increased risk for ovarian cancer. In the end if even the newer genetic testing does not reveal any new genetic
mutations that does not mean it’s the end of your journey if your personal and/or family history is suspicious for a hereditary cause. Never be afraid to ask your doctor or qualified genetics professional what is new with genetic testing, what is new with the testing you’ve done in the past, or if there are any additional screening recommendations based on your personal and/or family history. Genetic testing is constantly evolving. In 5 years I may have an entirely different new update to give. By: Tammy Adar, MS, CGC Manager- Genetic Counselor Program Memorial Cancer Institute 954-265-4325
Keep Your Brain Healthy at the NSU Lifelong Learning Institute Recent studies have revealed that while food and physical exercise can reduce the chance of dementia and/or Alzheimer's, engaging in cognitively stimulating program can also help prevent or slow the progress of dementia. Serving the educational needs of the older adult community since 1977, the Nova Southeastern University Lifelong Learning Institute (LLI) does exactly that... Providing stimulating, engaging, university-level lectures, on a year-round basis. From history, politics, art, literature, music, science and health topics, the LLI has something for everyone. Join us at upcoming FREE LLI OPEN HOUSE events in Fort Lauderdale: Days of Welcome - September 23 & 24 - 10:00 a.m to 2:00 p.m. Fall Welcome Week - October 14-17 - 10:00 a.m to 2:00 p.m. Events include lectures and information sessions. For more information and full events schedules, call 954-262-8471, Email lli@nova@edu or visit www.nova.edu/lifelonglearning CHAI TIMES 7
Now Open YourLife ™ of Coconut Creek Memory Care was created with one purpose – to provide the most exceptional care and uplifting lifestyle for our residents. Memory Care is all that we do, so we focus all our energy, attention and resources on this one area, creating a community that caters to each resident’s needs while providing unequaled peace of mind for families. Schedule a personal visit at our Welcome Center to learn how to access Honors Club savings of $11,498!
954-900-617
YourLifeCoconutCreek.com
5461 Johnson Road Coconut Creek, FL 33073 Assisted Living Facility License Number Pending
WE AT CHAI CARE... Provide a holistic, donor-centered approach to advocating for older adults who are facing the challenges of aging, disability or injury. Chai Care assures that donors receive valuable, cost-effective care and an array of services that arise from health and medical related issues through the aging process. Chai Care helps donors and their loved ones understand the options and costs relevant to managing their daily lives. Bob Schneider | Board Chair Bill J. Gross | Chair, Jewish Community Foundation Carol Lasek | Chair, Chai Care Michael Balaban | President and Chief Executive Officer Keith Goldmann | Chief Philanthropy Officer Esther Cohen | Director, Chai Care
OF BROWARD COUNTY
@JEWISHBROWARD WWW.JEWISHBROWARD.ORG JEWISH FEDERATION OF BROWARD COUNTY 5890 South Pine Island Road • Davie, FL 33328 ■ 954-252-6900
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