In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review

Got student debt? Move fast, and some cities will help you pay it off

By Kimberly Railey

Some cities and counties looking to revitalize offer an incentive -- help repaying student loans -- to college grads who agree to relocate to their borders. Can it be a win-win for grads and struggling communities?

JewishWorldReview.com | (CSM) College graduates steeped in debt have an unexpected ally to combat their student loans: local governments.

But there's a hitch — they'll have to live in towns that might not boast the vitality and jobs of urban centers like Chicago and New York City.

In coming months, Niagara Falls, N.Y., will strive to lure young professionals to its languishing downtown by offering to help pay their student loans. In rural Kansas, income tax waivers and student loan repayments are being marketed to entice college graduates. And Nebraska, heeding Kansas' blueprint, may consider a similar relocation proposal in its 2012 legislative session.

The efforts are part of a small but growing trend among rural and Rust Belt cities to try to attract educated young people — a reflection of research that indicates they are often the best way to revitalize a depressed area. Since the last third to half of the 20th century, population growth in rural places has been eclipsed by urban centers, says Brett Theodos, a research associate at The Urban Institute, a nonpartisan think tank based in Washington.

"These communities are eager and desperate to attract and retain people," Mr. Theodos says. "They also don't have a lot of resources to throw at the problem, so they need to shepherd their investments wisely."

In Niagara Falls, city officials marshaled $200,000 to fund the new student loan incentive. Community development director Seth Piccirillo says the idea was born out of the realization that many college graduates nationwide are bogged down by debt — and are needed to give the town an economic makeover.

The city's once industrial-centered economy is now a shadow of its former self and its population has plummeted from 100,000 to 50,000 over 50 years. If the next census reveals any fewer residents, city leaders worry that they may lose some forms of federal assistance.


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"We know that we need these young professionals in Niagara Falls to compete in the future," Mr. Piccirillo says. "At the same time, we know that these college graduates are starting off with this debt in a difficult economy. We wanted to figure out a program that would benefit both."

The result is an initiative that will guarantee $7,000 over two years to 20 graduates of any higher-education institute. Though the first batch of applications won't be released for a couple of months, Mr. Piccirillo says he's already seen interest judging from the 200-plus e-mails and phone inquiries he's received — many from Western and Southern states.

If approved for the program, applicants are required to rent an apartment or buy a home within a specific downtown area. The ultimate goal, Piccirillo says, is home ownership at the end of two years — even if for just six or seven of the newcomers.

"We're not trying to do something citywide," Piccirillo says. "We realize that resources are limited, so if you really try to do stabilization neighborhood by neighborhood, that's the wisest way in today's economy."

By contrast, the Kansas program, launched in July 2011, was designed for specific counties. Fifty are designated as Rural Opportunity Zones (ROZs), which offer Kansans income-tax waivers for up to five years and/or student loan repayments of up to $15,000.

Chris Harris, who runs the program, says he has received 389 applications to date. Of those, he estimates about 75 percent will qualify for one or both of the incentives, which are jointly funded by the state government and participating counties. In October, the first round of payments will be distributed to 160 residents, many of whom have ties to the region.

"Given that there wasn't something else to model this program after, I would say we're very encouraged by what we've seen," Mr. Harris says.

To qualify for loan repayments, applicants must have earned an associate's, bachelor's, or post-graduate degree; carry an outstanding student loan balance; and lived in a ROZ county since July 1, 2011.

To earn Kansas income-tax waivers, applicants must have claimed residency in a ROZ county on or after July 1, 2011, and have lived outside Kansas for at least five years prior. Additionally, they cannot have earned more than $10,000 from a Kansas employer in those five years.

Harris says 75 percent of applicants are seeking employment in the health-care, education, finance, or legal sectors. Interest in manufacturing, engineering, and agriculture areas is also common, he says.

"There are opportunities in those sectors in practically every part of the state," he says. "If a person had the expectation that there weren't opportunities in these regions, they'd be surprised if they were to look into them."

Areas with high unemployment in Kansas don't suffer from a lack of jobs but rather from finding people to hold those positions, he adds.

It's not only local governments that are spearheading ways to attract young adults, though. In Detroit, organizations have committed to revitalizing the downtown area. One is the Hudson Webber Foundation, which aims to attract 15,000 young adults to the city by 2015. Dubbed the "15 by 15" initiative, a patchwork of nonprofits, philanthropists, and business executives is pioneering efforts ranging from creating job opportunities to boosting safety for residents.

"The goal for us was to articulate a vision that our stakeholders in the community shared," said Katy Locker, vice president of programs for Hudson Webber Foundation. "We're focusing on a targeted area, our greater downtown, and building that place to attract and retain talent."

One of the foundation's highlights has been the "Live Downtown" initiative, in which employees at certain companies — such as Blue Cross Blue Shield of Michigan and Quicken Loans — receive perks for living in downtown Detroit. Incentives include up to a $20,000 forgivable loan toward the purchase of a home or a $2,500 allowance for first-year apartment renters.

Jake Marmul, who works at Quicken Loans in Detroit, is benefiting from the $2,500 rental subsidy. A Michigan native and 2011 graduate of the University of Notre Dame, he had his sights set on living in Detroit but had trouble finding an affordable apartment near the Woodward area, where many of Detroit's cultural attractions are located. After learning last summer about the "Live Downtown" program, Mr. Marmul moved into a studio in May that overlooks Comerica Park, the Detroit Tigers' stadium.

"I probably have more friends that live in Chicago, but for the amount of money I'm spending and my location, there's just no way I could do that in any other city," Marmul says.

For "creative and tech-savvy" new graduates, Detroit has plenty of job opportunities, Marmul says, citing his employer's 150 tech-related openings. He plans to stay in Detroit for the long haul and will be eligible to receive another $1,000 toward his apartment if he renews his lease another year.

But even before "15 by 15" and organizations with similar goals, the city proved alluring to some young people. Since 2000, downtown Detroit has seen a 59 percent increase in the number of college-educated residents younger than 35, even as its overall population fell by 25 percent, according to a census data analysis by Impresa Inc., an economic consulting firm.

For a much smaller city aiming to become energized by growth, a "wholesale importation" of young adults may not be feasible or even desirable unless careers with money are available, says Frank Furstenberg, a University of Pennsylvania sociology professor specializing in urban sociology and demography. In a place like Niagara Falls, he says, a lack of jobs may deter young adults from moving there, despite the student loans incentive.

"It's a little like asking people to get married if you give them $5,000. Will that increase the rate of marriage? The answer is probably no," says Mr. Furstenberg.

The Urban Institute's Mr. Theodos says cities are "swimming upstream" to attract new residents unless they're hawking a vibrant job market. Fields such as manufacturing and agriculture are germane to certain areas, so attracting a more cross-cutting labor base — as well as intellectual and human capital — is difficult, he adds.

But community officials remain optimistic that targeted strategies to entice college graduates can succeed, even if those graduates don't take jobs within city boundaries. Piccirillo of Niagara Falls cites downtown Buffalo, N.Y., as a prime employment center that's just 20 minutes away.

Young professionals would still contribute to boosting Niagara Falls' economy by spending their discretionary income at nearby businesses, he says. A cluster of young professionals may also draw more employers to the area and create entrepreneurial opportunities.

Piccirillo says he recognizes the community won't be completely enlivened until it demolishes blighted buildings and provides incentives to buy and renovate homes. For now, Niagara Falls is embarking upon the first step of that revitalization process: cultivating the attention of college graduates.

"We know that we need to get them here first, help them lay down roots here," Piccirillo says. "Hopefully, they fall in love with our city and stay longer than two years."

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