Chicago Jewish Advertiser Jan 2012

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CHICAGO JEWISH ADVERTISER January 2012 • Vol. 4 No. 1 R E A S O N S T O C O N S I D E R A L I F E S E T T L E M E N T • Policy has not performed as anticipated • Need for cash flow • Beneficiary is now deceased • Premiums too costly • A change in estate size • A desire to purchase a survivorship policy • Changes in Estate Tax laws Busines Changes: • Buy/Sell funding is no longer required • Business is sold • Changes in deferred compensation benefits • Bankruptcy proceedings 81 yr male Universal Life $5,000,000 $0 $860,000 INSURED: Type of Policy: Face Amount: Surender Value: Offer price to policy owner: Reason: CASE STUDY For a free, no obligation consultation and policy appraisal, by phone or in person If you are over age 70, we can show you how your life insurance policy might pay off now, while you are alive and still here to enjoy it! What’s more, you may be able to sell your policy for considerably more than its cash surrender value. Premiums of in-force policy were expensive and becoming difficult to afford. The insured no longer needed the policy and sold it for a sum worth approximately twice the policy’s cost basis.

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Chicago Jewish Advertiser January 2012

Transcript of Chicago Jewish Advertiser Jan 2012

Page 1: Chicago Jewish Advertiser Jan 2012

CHICAGOJEWISH

ADVERTISER

January 2012 • Vol. 4 No. 1

R E A S O N S T O C O N S I D E RA L I F E S E T T L E M E N T

• Policy has notperformed as anticipated

• Need for cash flow

• Beneficiary is nowdeceased

• Premiums too costly

• A change in estate size

• A desire to purchasea survivorship policy

• Changes in Estate Tax laws

Busines Changes:

• Buy/Sell funding isno longer required

• Business is sold

• Changes in deferredcompensation benefits

• Bankruptcy proceedings

81 yr maleUniversal Life$5,000,000$0

$860,000

INSURED:Type of Policy:Face Amount:

Surender Value:Offer price to policy owner:

Reason:

CASE STUDY For a free, no obligation consultation and policy appraisal, by phone or in person

If you are over age 70, we can show you how your lifeinsurance policy might pay off now, while you are alive and

still here to enjoy it! What’s more, you may be able to sell yourpolicy for considerably more than its cash surrender value.

Premiums of in-force policy wereexpensive and becoming difficult

to afford. The insured no longer needed the policy and sold it for a

sum worth approximately twicethe policy’s cost basis.

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Get your kashrus questions answered here! Email [email protected]

Soup to Nuts Your kashrus Questions. . . Answered

Written by Rabbi Dovid CohenA service of the Chicago Rabbinical Council2701 West Howard | 773-465-3900

HIPPOPOTAMUS

Q. I was taught in yeshivathat the only non-kosheranimal which has split hoovesbut does not chew its cud isthe pig. What about thehippopotamus which doesnot chew its cud but has splithooves? Is a hippopotamussomehow related to a pig?

Before answering this question weturned to Rabbi Dr. Ari Zivotofsky,professor at Bar Ilan University andan expert on the kashrus of animalsand birds, who in turn consulted withhis brother, Dr. Doni Zivotofsky,D.V.M., and we thank them for theirhelp.

A. You mentioned that theTorah might considerhippopotami to be “related”to pigs. Some support thisnotion because scientistsclassify those two animals asbeing in the same “order”.However, this is not assignificant as it seems becausethe order they share(Artiodactyla) refers to allmammals that have an evennumber of toes. Actually,they used to also share asuborder but scientists arenow considering removinghippopotami from the pigsuborder (Suina) and reclassi-fying them in a new suborder

for hippos, dolphins andwhales, which all seem toshare certain DNA. Thesecriteria may be significant toscientists but I think mostnon-scientists would agreethat dolphins and hippos arenot one “family” (even if theyare in the same order andsuborder), any more than pigsand giraffes are (even thoughthey both are Artiodactyls)!Thus, whether pigs andhippopotami share an orderand suborder does not seemto be a meaningful factor.From a lay perspective, thereis some similarity betweenpigs and hippos, but it wouldseem that they are not similarenough for the Torah toconsider a hippopotamus tomerely be a water-based pig.[The Yiddish word forhippopotamus is vasserchazir, which means water-pig, but the English namemeans water-horse (in Latin,hippos means horse, andpotamos means river).]

Rather, it seems that theanswer to your question isthat the hippopotamus doesnot have cloven hooves. Thepictures which accompanythis answer show that a hippohas four toes which arecovered and connected bythick skin which in turn

produce a web-effect and aidsthe hippo in swimming.Thus, a hippopotamus ismuch like most non-kosheranimals which do not chewtheir cud and do not havesplit hooves.

[A related side note from R’Zivotofsky regarding the hippopotamus’ruminant status: Without exception,every animal with a 4 chamberedstomach is a ruminant. There are thosewho dispute this and assert that thehippo is an example of an animal thathas 4 chambers and is not a ruminant.This claim is erroneous, but this iserroneous. In fact, it has a threechambered stomach: parietal blind sac,the stomach (which can be consideredsimply connecting tissue) and theglandular stomach. For more on this see:E.T. Clemens and G.M.O. Maloiy,“The digestive physiology of three EastAfrican herbivores: the elephant,rhinoceros and hippopotamus”, Journalof Zoology, 1982, Vol. 198, pp 141-156.]

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KOSHER ALERTSPlease note that Starbucks

has a hot chocolate mix witha Kof K – D that hasmarshmallows in it and thereis gelatin listed in theingredients. The product isindeed certified kosher dairyby the Kof K and they use akosher gelatin.

The latest Slurpee flavor isSprite Snowball Blast whichis kosher/pareve. It can befound on the cRc website athttp://www.crcweb.org/slurpee_list.php

A small amount of QuakerInstant Oatmeal WeightControl Instant Oatmeal,Cinnamon flavor andBanana Bread flavor, Quaker

Foods & Snacks - ChicagoIL were mistakenly labeledwith an OU Symbol withoutthe "D". These products aredairy and correctivemeasures were implemented.

Wood Grilled PizzaCrust from The PizzaGourmet, Providence RIbears an unauthorized OU.The company has removedthe OU from the packag-ing, but some productswith the unauthorized OUmay still be in some stores.

Please be advised that BJ'sWholesale Club is sellingvarious Wellsley Farmscakes bearing the OKkosher symbol. WellsleyFarms Carrot Crème

Cheese Cake and WellsleyFarms Triple ChocolateCake are certified kosher,dairy when bearing theOK-D symbol. All otherWellsley Farms cakes arenot certified by OK KosherCertification

The Vaad of St. Louis(OV) logo inadvertentlyappears on a variety ofReady Pac prewashedsalads such as the SantaBarbara and Spring Mix.This was printed in error asthese products are notcertified by the OV due toconcerns of insect infes-tation. Triple washed ice-berg and coleslaw varietiescontinue to be acceptable.

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I grew up in a time when it was not uncom-mon for a mother, feeling overwhelmed, at theend of her rope with a difficult child, to utterthose scary words. The words that wouldsometimes strike terror in the heart of a child.“Wait till your father gets home,” implying,“boy are you going to get it.” While this wasnot my personal experience and my motherwas more than happy to parent me, and wasconfident, in responding to my positivebehaviors and my less than positive ones, Iwas still very aware of this, often used,maternal threat.This phrase was everywhere, one read it in

books, and heard it on television programsand radio. I remember witnessing friends’mothers making this pronouncement, and Iremember too, the disturbing feelings itevoked in me. Even at the young age of eight,the look on the face of my friend frightenedme. Looking back through the years to thatimage in my mind, I can now identify his facialexpression as one of terror. Thinking about

the incident that triggered his mother’sresponse, I’m pretty sure he was misbehaving,but I’m even more certain that what he wasdoing did not warrant a maternal reaction thatwould instill such terror. The problem is, thisphrase is not just an old fashioned attitudefrom the ‘60s and ‘70s, there are many parentsin our community who still use this approach.Let’s take a moment to analyze this parenting

strategy. “Wait till your father gets home.”The first and most obvious inference fromthis statement is Mom admitting that she isjust not strong enough, and incapable of han-dling this situation alone. This invalidates herauthority in her child’s eyes, sending theunmistakable message that she is powerless,and frankly, makes it next to impossible forher to parent effectively the next time Dad isaway. It represents an abdication of parentalresponsibility, and is damaging communica-tion to the child that he/she is so bad, sodifficult, that the “big guns” must be broughtin. Perhaps most troubling, is the expectation

Can’t Wait Till Daddy Gets HomeBy Rabbi Dr. Jerry Lob

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that Dad will be the enforcer, that Mom willsay “hit” and he’ll respond “how hard?”Mommy’s “hit man,” if you will.Those images of my eight year old friend are

joined by other images of adults, sitting in myoffice with sad, tear streaked faces, or furious,bitter ones. For example, the middle agedman, enraged and terrified by memories of afather who meted out punishment, withoutwitnessing the offending incident. His bittercomment: “my father didn’t even ask meabout what happened or what I was feeling. Ididn’t count, and my feelings didn’t matter.”Sure, it’s important for parents to supporteach other, and yes, a husband needs to trusthis wife. However, it is clearly damaging tothe relationship for a parent not present atthe event, to rebuke or act punitively to thechild. In the same vein it is so hurtful for anout-of-town father, called on the phone by hisangry, overwhelmed wife, to raise his voice an-grily and threaten his child long-distance.Long distance intimidation (as is true with allintimidation) is not healthy, builds resentment,and is, in the big picture, counterproductive.When a child hears “wait till your father gets

home,” he sees a weak and ineffective mother,and a terrifying, unthinking, uncaring father,thereby harming his/her closeness with both.Fathers should not be “hit men.” Boys andgirls need a warm, loving, relationship witheach parent. Parents must create the kind ofrelationship with each child, that the newsthat, “Daddy will be home soon” will cause asmile to break out, instead of a sweat. Andthe fact that, “Mommy’s just down the blockand will be back momentarily,” will make herfeel warm inside, not cold. We need to turn,“wait till your father gets home” into “can’twait till Daddy gets home.”

Dr. Lob is a clinical psychologist in private practicein Chicago, working with adults, adolescents, andfamilies, for many years. He lectures and writesextensively on topics relating to psychology, rela-tionships, parenting, education, and Jewish thought.

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Recipes from our kitchen to yours!

Lemon Layer Cake with Cream Cheese Frosting (Pareve)

CAKE

2 1/2 cups all-purpose flour1 teaspoon baking powder1/2 teaspoon baking soda1/2 teaspoon salt3 large eggs2 cups granulated sugar1 cup canola oil1/2 cup fresh Meyer lemon juice(can substitute regular lemon juice- in any event, make sure it's fresh!)1 teaspoon grated lemon zest2 teaspoons vanilla1 cup pareve sour cream

FROSTING

1/2 cup pareve margarine6 ounces pareve cream cheese2 tablespoons fresh meyer lemonjuice or regular lemon juice, or 1 tsp lemon extract1 teaspoon grated lemon zest1 teaspoon vanilla5 cups powdered sugar

CAKE:

Grease bottom and sides of two 8-inchcake pans with at least 2 inch high sides.Line bottom of pans with waxed paper orparchment; grease the paper.

Preheat oven to 325°. Sift the flour, bak-ing powder, baking soda and salt into amedium bowl; set aside.

In a large bowl, beat eggs and sugar withan electric mixer on medium speed untilthickened and lightened to a cream color,about 2 minutes.

On low speed, beat in 1 cup oil, lemonjuice, lemon zest and vanilla until blended.

Blend in flour mixture; when incorpo-rated, mix in sour cream until no whitestreaks remain.

Pour batter into prepared pans.

Bake on center oven rack until top feelsfirm and toothpick comes out clean.(about 30 minutes)

Let cake rest in pan for 15 minutes, thenrun knife around edge of cake; Invertcakes onto wire rack.

FROSTING:

In a large bowl, use an electric mixer on lowspeed to beat margarine, cream cheese,lemon juice, zest and vanilla until smooth.Beat in sugar until frosting is smooth andfluffy, about 2 minutes.

Frost cake: Cake can be covered and storedin refrigerator for up to 3 days.

Serve cold or at room temperature.

Ingredients

Directions

Submitted by Rochelle L. Katz

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CONGRATULATIONS TO OUR WINNERRochelle L. Katz

WIN A $150 Gift Certificate to

ShallotsSubmit your favorite recipe for

Chicago Jewish Advertiser’s recipe page.

To enter your favorite recipe, email [email protected]

subject: recipe contest

The winner will be announced in the next issue

Chicago Jewish Advertiser reserves the right to exercise discretion in the selection of advertisersand the duration of advertisements as well. Chicago Jewish Advertiser does not assume responsi-bility for the kashrus of any advertisement or product.

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Language is a powerful tool. Subtle yetpotent messages are delivered, and most ofthe time, we fail to even notice

Small children have a certain word they useto describe adults-grownups. You don’tusually hear adults describing themselvesutilizing this word; it seems like a juvenileterm. Yet it appears in Webster’s dictionary,and after all, the kids must have heard it fromsomeone, some adult at some point. I’ve neverliked the word ‘grownups’. Not because itsounds so immature but because of what itimplies.

If we refer to kids as growing up, day by day,year by year, that makes sense; they arecontinually developing and constantlydiscovering and refining talents, always improving upon who they are. We expect thatfrom children. We watch them throwtantrums over the silliest things and long forthe days when they will ‘grow out of it’. Wesee teenagers rebelling against their parents forno particular reason other than for the sakeof rebelling, and we yearn for a time whenthey will have ‘grown past it.’ But then, supposedly, at some magical moment, peoplebecome ‘grownups’. Doesn’t the word implythat we, as adults, are finished growing and developing, are done with trying to becomebetter?

When older people say, ‘when I grew up. . .’,what does that mean? And now they’vecompleted their growth process? They’re nolonger growing?

G-d wants us to be people who areconstantly growing, always raising the bar ofour spirituality.

Have you ever met an old friend oracquaintance after not seeing them for five orten years? You notice and even tell them how‘they haven’t changed a bit.’ The person whohad a bad temper usually still has that temper.

The one who couldn’t stop talking aboutthemselves and their accomplishments stillseems to have that arrogance.

We all know how hard it is to change. RavYisrael Salanter, the father of modern mussar,character development, (circa 1800’s) oncesaid that it is easier to learn through all 63volumes of the Talmud than to change evenone trait within our personality and character.Thus, we give in to our natures - ‘I’ll neverchange’, and we give up on the idealism andgreatness we aspired to when we wereyounger. We became ‘grownups’.

But this is not how we are supposed to live.As long as we are still breathing, we havemuch to accomplish. Every day of our lives,nay, every moment, we are to be growing,developing, improving. We must neverbecome grownups. Whether we are 8 years oldor 88, we must always be growing up

. There are numerous small things we can doto grow. We just need to choose an area andrun with it. And it doesn’t take too much time.

A real grownup, a true adult is nevergrownup.

He is always yearning to grow. . .UP!

www.torah.org

Grow UP!Rabbi Boruch Leff

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I ASKED HER WHAT JFK MEANTAND SHE SAID:

"JUST FOR KIDDUSH"

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DoubleTakeCan you spot the differences in these two pictures?

10

1. The picture of the Dreidel has moved. 2. The boy’s tie is missing. 3. The sign in the

back is missing. 4. A woman from the back is missing. 5. A girl’s headband has changed

colors. 6. There is an extra bottle of glue. 7. The design on the boy’s yarlmukah is

missing. 8. A girl’s shirt has changed colors. 9. The label on the water bottle is missing.

10. The woman’s watch is missing.

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TORAH ACADEMY'S CHANUKAH FAMILYFUNLAND IN BUFFALO GROVE

PHOTO BY LARRY ENGELHART OF DEJAVIEWS

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