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. This CREAM OF TOMATO SOUP certainly is! And it's a cinch to make, too (Includes techinques and serving secrets) February 7, 2012 Kathleen Hennessey and Christi Parsons: Obama not worried that birth-control move will hurt his re-election chances with Catholics, other faithful Caroline B. Glick: Obama's rhetorical storm Frank J. Gaffney, Jr.: Caught off-guard? President's Super Bowl interview with Matt Lauer gives those who need a reason not to vote for him, a darn good one Suzanne Bohan: Leaping lizards! 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. Glick: Fool me twice Jonathan Tobin : Adelsonphobia Strikes in Nevada Caucus Edmund Sanders : Israeli official says Iran is creating missile that could reach East Coast of US Kimberly Palmer : 8 Ways to Get Ready for Retirement Now Victoria Kim: Immigrant-smuggling ring used black drivers to avoid racial profiling The Kosher Gourmet by Faith Durand: A quick cookie recipe: Hazelnut and Olive Oil Shortbread: Sweet, Nutty, and Savory February 2, 2012 Rabbi Yaakov Rosenblatt : Welcome Home, Governor Perry Jim Carney: Wrong number call may have saved her life Reza Kahlili : Ex-CIA spy in Iran's Revolutionary Guard: What Obama doesn't grasp about striking deals with Tehran Kelsey Sheehy : 5 Tips for Choosing an M.B.A. Concentration Rachel Koning Beals : Investors Increasingly Tap Social Media for Stock Tips Tina Susman: For woodchuck rescuer, every day is Groundhog Day The Kosher Gourmet by Leela Cyd Ross : Savory vegetable pie is a taste of European bistro with minimal effort and maximal flavor February 1, 2012 Nara Schoenberg: What to do when you've been dissed Michelle Malkin: First, They Came for the Catholics Brian Bennett: US officials see increasing threat of domestic attack from Iran Lisa M. 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May: How terrorists lose their stigma Suzanne Bohan: Vanquishing social anxieties without drugs Lisa Fernandez and Sean Webby: In alternative lifestyle, domestic violence means men as victims and women being abusers Danielle Kurtzleben: The 10 Best Cities for Finding a Job The Kosher Gourmet by Diane Rossen Worthington: Three bean soup with gremolata January 18, 2012 Edward I. Koch: Why the Crocodile Tears, Hillary? David G. Savage: Supreme Court to Principals: You have been warned George Friedman of Stratfor: Iran, the U.S. and the Strait of Hormuz Crisis Jason Koebler: 'Holy Grail' of Flu Vaccines by Next Year Alex M. Parker: The Off-the-Radar Congressional Targets of 2012 The Kosher Gourmet by Susan Russo: Got soft apples? Make Apple-Maple Walnut Breakfast Quinoa January 17, 2012 Frank J. Gaffney Jr.: No-kidding red lines: U.S. response to an Iranian nuke may be bluster, but Israel's won't be David G. 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Cloud: In secret study, CIA and 15 other U.S. intelligence agencies warn Obama against leaving Afghanistan too soon John Fauber : Statins found to raise diabetes risk in postmenopausal women Katy Hopkins : Consider This Before You Pay for an Online Degree Menachem Wecker : 4 Technology Must Haves for Online Students The Kosher Gourmet by Joseph Erdos: This mushroom and barley soup has an intense -- almost nutty -- flavor that mixes robust with Middle East. It has creaminess without cream January 11, 2012 Shari Roan: Millions of atrial fibrillation sufferers at risk for devastating, but preventable, stroke Tom Hussain: Pakistan -- recipient of more than $21 billion in civilian and military aid -- speeds pursuit of Iranian pipeline, defying US David G. Savage: High court signals it won't be loosening TV's 'indecency' rules Stephen Ceasar: Oklahoma's Islamic law amendment can't go into effect, court rules Rachel Koning Beals: Should You Invest in Bond Funds or Individual Issues? 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Jewish World Review July 8, 2008 / 5 Tamuz 5768 Think before signing CCRC contract By Jan L. Warner & Jan Collins http://www.JewishWorldReview.com | Q: My wife and I have decided to move into a continuing-care retirement community (CCRC), mainly because we are told that we can "age in place" and move from one area of the community to another as our health needs require. We read through the contract, and it scared us. We don't want to sell our home and get stuck. We are enclosing a copy and would appreciate your comments. A: The best person to review your contract is your attorney, with assistance from your certified public accountant and/or financial adviser because of the expense and potential pitfalls that seniors don't need to deal with after the fact. Each CCRC requires a long-term contract by which, for stated payment amounts, the community is obligated to provide housing and various services, and, when needed, assisted living and nursing care, generally all located on one campus. While all contracts contain similar language, some have bells and whistles that require explanation. Most seniors who move into a CCRC don't want to continue to maintain their homes, want security, and want to be in a community of their contemporaries for socialization; however, the tradeoff is a long-term financial commitment that is far from paltry. Seniors who buy into the CCRC environment generally sign lifetime contracts when they are healthy with the expectation that if and when they become ill, they will be provided with care for the rest of their lives — that is, so long as they have the financial resources with which to continue paying. CCRC living is expensive. There may be four-figure monthly maintenance fees plus entry or "buy-in" fees that can run into hundreds of thousands of dollars. There are questions of whether the resident owns or leases the living space, whether the same can be sold or sublet, whether the prices are for one or two people, whether pets are allowed and what happens financially upon a move to stepped-up care or death of one or both seniors. Seniors begin with independent living — an apartment, duplex or condominium — and move into other areas if required by their future health needs, such as assisted-living and skilled-nursing facilities, without having to move off campus. While facility accreditation is important, before signing a contract of this nature, a full investigation is highly recommended, as there are generally a number of contracts available. For example, the contracts that provide for unlimited long-term nursing care without additional cost are the most expensive, but they make future financial planning more predictable. On the other hand, contracts providing for specified periods of nursing care or "pay as you go" nursing care are financially unpredictable. Before you do anything, here are some tips: Find out about the financial health of the community by getting a financial statement and operating history. Find out exactly what is covered in the monthly fees and, if subject to increases, upon what basis. Find out who owns the space in which you will be living, and the conditions upon which you and your spouse can stay there. If the contract can be terminated, upon what basis? If you are not satisfied, are you locked into arbitration? Find out who decides when you move to another level of care; whether your spouse remains in your unit or moves with you; and if you and your spouse leave the unit, whether you can sell it or get reimbursed by the community. Some folks mistakenly believe that if nursing-home care is needed, they will be able to use the "equity" in the contract to pay for it. Find out what happens financially if, within 60 days, you don't like it there. Find out whether there is a residents' association and, if so, what input it has regarding management of the community. Find out whether the portions of the monthly fees that go to real-estate taxes and medical expenses are allocated so as to be tax deductible to you. Find out whether you can take another person — such as a child — in with you and, if so, at what cost. Should a spouse die, what are the remarriage provisions? Find out what happens if you need stepped-up care and the facility is full. If the facility burns or is destroyed, who bears the risk of loss? Do you need your own insurance? These are big decisions and should not be made lightly. 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 © 2008, Jan Warner

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