February 10, 2012 Rabbi Nathan Lopes Cardozo: The biblical case against small-mindedness involved diminishing His precious prophet Caroline B. Glick: The Peace Process is over. Finally Lisa M. Krieger: Man with defibrillator demands access to his own heart's information David G. Savage: Why activists may not be in a hurry to have High Court rule on alternative marriage Rachel Koning Beals: Gen X Women Continue to Shrink Gender Investing Gap The Kosher Gourmet by Faith Durand: Who Says You Can't Make Restaurant Favorites at Home?: MANGO AND STICKY RICE February 9, 2012 Jeff Strickler: An argument a day keeps the divorce away, they say Clifford D. May: CAIR's Crusade against The Third Jihad Melissa Healy: Study finds jolt to the brain boosts memory Laura McMullen: 10 Least Expensive Public Schools for Out-of-State Students Kimberly Palmer: How to actually enjoy -- relaxing, financially -- your vacation Emily Brandon: 10 Necessities for a Great Retirement Spot The Kosher Gourmet by Diane Rossen Worthington: Winter Squash and Red Swiss Chard Risotto is Colorful Cozy Cold Weather Fare (includes detailed dos and don'ts) February 8, 2012 Rivy Poupko Kletenik: Tree hostility: The auspicious history of the evolution of Tu B'Shevat Steven Emerson: Planting Trees is Racist?! Warren Richey: Why momentous Prop. 8 ruling might not satisfy gay-rights groups Anne Applebaum: Russia's Potemkin democracy Menachem Wecker: Though Controversial, LL.M.'s Can Lead to Specialized Legal Jobs Emily Brandon: 10 Necessities for a Great Retirement Spot The Kosher Gourmet byDana Velden: Going to the bother of making soup? You know it better be good. 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Tiny reptiles advancing robot design David Francis: How to Avoid an IRS Audit The Kosher Gourmet by Emma Christensen: These homemade energy bars (3 recipes) are far better workout fuel than commercial ones, packing power and taste February 6, 2012 Scott Peterson: Iran's top ayatollah: We're trumping the West Jonathan Tobin: Iran Threatens Israel With Destruction, But the New York Times Doesn't Hear It Jeffrey Fleishman: In newly democratic Egypt, tens of democracy activists jailed, to stand trial; their groups are 'threatening the stability of the homeland' Julie Deardorff : Researchers say antioxidants may not be that effective and could do more harm than good Philip Moeller: Where Smart Investors Put Their Money Mark Clayton: How did Anonymous hackers eavesdrop on FBI and Scotland Yard? The Kosher Gourmet by Joseph Erdos: Vegetable Frittata --- leftovers never tasted so scrumptious February 3, 2012 Rabbi Dr. Warren Goldstein: Living with ideals --- in reality Caroline B. 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Krieger: Possible breakthrough in preventing Alzheimer's Emily Brandon: How to Take Advantage of New 401(k) Fee Disclosures Susan Johnston: 5 Apps for Organizing Your Expenses at Tax Time The Kosher Gourmet by Mario Batali: The famed chef's Broccoli and White Bean Soup can easily be a lunch in itself, or a nice antipasto --- and is hard to mess up January 31, 2012 Paul Greenberg: Separation of Church and State works two ways Caroline B. Glick: Hamas and the Washington establishment Frank J. 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Savage: They sued their principals after slandering them online --- now the cases are headed to the Supreme Court Sharon Palmer, R.D.: Believe it or not, your cuppa joe offers potential health perks David Francis: Where to Invest in 2012: With stocks expected to rebound, opportunity abounds for investors Confronting the Car Nerds on their home turf --- the Detroit Auto Show (VIDEO; 3 minutes) The Kosher Gourmet by Emma Christensen: Eleventh-Hour Freezer Pasta, Made Interesting: Ravioli with romesco sauce; Tortellini salad with apples and walnuts January 13, 2012 Chief Rabbi Dr. Warren Goldstein: Expansion Of Spirit (PROFOUND yet UPLIFTING) Ben Lynfield: Israeli lawmakers move to annex Jewish Judea, one museum at a time Rachel Koning Beals:Top Complaints About Daily Deal Sites --- how to avoid missteps Alexia Elejalde-Ruiz: Thriving through touch: Gentle massage helps older people with low mobility improve in mind and body The Kosher Gourmet by Diane Rossen Worthington: Braised Oxtail Stew with Olives January 12, 2012 Warren Richey: Landmark Supreme Court ruling a 'resounding win' for religious groups Warren Richey: Supreme Court says no to new rule on eyewitness testimony Ken Dilanian and David S. 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The Kosher Gourmet by Faith Durand : Colorful Lentil Salad with Walnuts and Herbs January 10, 2012 Reza Kahlili: From an ex-CIA spy: US must exploit new split in Iran's Revolutionary Guard Karen Kaplan: Study: Nicotine replacement products ineffective when used in real-life situations Paul Bedard: Study: Is Fox Too Balanced? Rachel Koning Beals: Is it Time to Move into Homebuilder Stocks? The Kosher Gourmet by Carolyn Malcoun: Brothy Chinese Noodles Half the Sodium (and More Than Twice the Fiber!) January 9, 2012 Caroline B. 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Jewish World Review July 30, 2007 / 15 Meanachem-Av, 5767 Be wary of ‘trust’ scams By Jan L. Warner & Jan Collins http://www.JewishWorldReview.com | Q: My parents have been secretive about their finances ever since I can remember. As they aged (they are now in their late 70s), I would ask about powers of attorney, because of my concern about handling matters for them if they became unable to do so. They would tell my husband and me (I am an only child) that everything was under control and, could they not handle their affairs, I would find everything in order. My father has suffered a debilitating stroke from which he will not recover, and my mother broke her hip. I finally got a key to their home from her purse, and after hours of searching, my husband and I found their "everything is under control" package: a notebook containing a couple hundred pages of trust documents and instructions, some signature pages having not been signed or witnessed; and a number of deferred annuity statements and bank statements. No powers of attorney or wills. I called the banks and annuity companies, all of which refused to talk to me. I called the "trust network" responsible for this mess, and they hung up on me. I have now been to a lawyer who tells me that I will basically have to sue my parents to gain court-appointed conservatorship and guardianship over both of them. In this way, he says, we can get to the bottom of this awful mess. I blame myself for not being more aggressive with my folks. They trusted the word of strangers who took advantage of them as opposed to trusting their only child. I hope you will print this so your readers will understand that seniors are indeed targets for abuse. A: We think you should make another call: to the attorney general of your parents' state of residence to report this obvious exploitation by con artists. Using the ploy of "helping" seniors with estate-planning documents that will allegedly save taxes and avoid expensive probate (despite the fact that more than 98 percent of those who die each year will not have taxable estates), these con artists first create trust relationships, learn about the seniors' assets and income, and then take advantage of the trust relationship by using the financial information they gain to sell annuities that most seniors don't need. Some of these purveyors of deception invite seniors to their free seminars by direct mail, newspaper ads or telephone solicitation. Others even come to the senior's home to give free consults about creating or changing current living trusts. Even though they are not lawyers, these folks provide legal advice on estate planning but do not make disclosures to the intended victims that their goal is to sell an insurance or annuity product. If they did, your folks would have never let them through the door. After creating the documents, they go back and convince the victims to move a large portion of their liquid assets into deferred annuities, generally with the sales pitch that they will make more interest and can't lose any money. The sales pitch does not inform the victims about the disadvantages of annuities, especially for seniors, including maturity issues, limitations on withdrawals and substantial penalties for early liquidation. To cause even more harm, the trusts are never funded — that is, the real estate and bank accounts are not transferred from the seniors to themselves as trustees, meaning that there is no vehicle to allow management of the financial assets. On death, there will definitely be a probate, the precise process your folks were told they would avoid. And since the seniors think they have it all covered, it is difficult to convince them that they need powers of attorney and wills. Taking the NextStep: Trust mills are not the only culprits. Banks that switch seniors into deferred annuities when their certificates of deposit are coming due are close behind. The cost of the proceeding that is now necessary because of bad planning and fraud, plus what it will probably cost to get this mess resolved, will be significant. Why your folks, like many others, choose to trust strangers rather than family members is beyond us, but with good planning in advance by qualified lawyers, these issues can be avoided. Every weekday JewishWorldReview.com publishes what many in in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here. JAN L. WARNER received his A.B. and J.D. degrees from the University of South Carolina and earned a Master of Legal Letters (L.L.M.) in Taxation from the Emory University School of Law in Atlanta, Georgia. He is a frequent lecturer at legal education and public information programs throughout the United States. His articles have been published in national and state legal publications. Jan Collins began co-authoring Flying SoloŽ in 1989. She has more than 27 years of experience as a journalist, writer, and editor. To comment or ask a question, please click here. Archives © 2007, Jan Warner

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