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North Jersey Jewish Standared, October 17, 2014
North Jersey Jewish Standared, October 17, 2014
North Jersey Jewish Standared, October 17, 2014
COM
2014 83
NORTH JERSEY
CONNECTJ PUTS THE ED BACK INTO FEDERATION page 6
DRUNK AND NOT ON TORAH page 10
ANNE FRANKS STEPSISTER COMES TO TOWNSHIP page 14
THOROUGHLY MODERN ALTINA page 53
A burst
of creation
Childrens musician
Barry Louis Polisar
retells some
Genesis stories
Page 24
OCTOBER 17, 2014
VOL. LXXXIV NO. 4 $1.00
J e w i s h S t a n d a r d
1 0 8 6 T e a n e c k R o a d
T e a n e c k , N J 0 7 6 6 6
C H A N G E S E R V I C E R E Q U E S T E D
2 JEWISH STANDARD OCTOBER 17, 2014
JS-2
When a cousin tested positive for the BRCA2 gene, word spread through the family. It was a
conrmation of their biggest fearovarian cancer and breast cancer had already inltrated
three lives and they were afraid genetics played a role. Later testing conrmed that six out of
11 family members had the gene mutation, putting them at greater risk for breast and ovarian
cancers. Dr. Sharyn Lewin, Holy Name Medical Centers director of gynecologic oncology,
performed surgery to remove the ovaries and fallopian tubes from four of the women, increasing
their chances of avoiding a cancer diagnosis. Dr. Lewins expertise and emotional support changed
not only the lives of four individuals, but the destiny of an entire family.
To make an appointment with Dr. Lewin, call 201-227-6200.
To read this familys story or to learn more, visit holyname.org/lewin.
Healing begins here.
Teaneck, NJ 07666
2012
MS
Dementia
Fibromyalgia Parkinsons
Chronic
Disease
Stroke
Like us on Facebook
facebook.com/jewishstandard
Gallery
JEWISH STANDARD OCTOBER 17, 2014 19
JS-19*
Local
n 1 Daughters of Miriam Center residents
Helen Kaplan, left, with Francis Kantor and
Rachel Rosenblatt, enjoyed the centers
sukkah in the courtyard of the B. I. Cohen
Family Building. Courtesy DOMC
n 2 Joey Ginzburg and Max Barashi of Paramus
considered the task of hanging a watermelon in the
sukkah at the Academies at Gerrard Berman Day
School in Oakland during a community Science
and Stories in the Sukkah event. Courtesy GBDS
n 3 Congregation Ahavath Torah honored Rabbi
Shmuel Goldin, far left, on the completion of
his five-set Torah commentary, Unlocking
the Torah Text, at a Simchat Beit Hashoeva in
the shuls sukkah. Courtesy Ahavath Torah
n 4 The Jewish Educational Center in
Elizabeth held a lulav and etrog sale for
Sukkot. Courtesy Dr. Harris Saltzburg
n 5 S.A.I.L., the Bergen County YJCCs day program
for adults with developmental disabilities, celebrated
Sukkot in the YJCCs sukkah. Gary Lipman, YJCC
CEO, explained the holiday and its symbols,
including the lulav and etrog held by program
participant John Zimmerman. Courtesy YJCC
n 6 Rabbi Ronald Roth and students in the
Howard and Joshua Herman Education
Center at the Fair Lawn Jewish Center/
Congregation Bnai Israel celebrated Sukkot
in the syngaogues sukkah. Courtesy FLJC
1 2
3 4
5 6
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The non-Jews who love us
J
oanne Palmers beautiful
and uplifting cover story
on Cory Booker, in this
newspaper last week, cap-
tures Corys warmth,
openness, and humanity. It
also captures something else
that I was startled to read:
Corys retelling of the price I
paid at Oxford University for
the inclusion of thousands of
non-Jews as members of the
LChaim Society and for Corys
presidency.
Joanne quotes Cory as saying, After the
[Lubavitcher] rebbes death there was a
power vacuum, and then Chabad in Eng-
land turned on Shmuley. He had non-
Jewish members. They told him to get rid of
the non-Jews or you must leave Chabad Eng-
land. Rabbi Boteach did not comply with
the demands, so they turned on him.
This Simchat Torah marks the 22nd anni-
versary of my friendship with Cory. But the
pain of those events has never left me, and
it affects my life till today.
I am Chabad to my core. I
chose it when I was a boy of 9
and I will never leave it. I love
the Rebbes universal vision.
But I was crushed for creating
an organization that realized
that vision in seeing the essen-
tial brotherhood of all human-
ity, regardless of religion, eth-
nicity, or creed. That remains
an open wound.
This is not a column about
Chabad. The Jewish world owes
an incalculable debt to Chabad and the
incomparable work it does globally. Simply
put, without Chabad so many spaces of the
world would be utterly bereft of Judaism.
But this is a column about the Jewish need
to impact on the wider world and transcend
Jewish isolation.
The Torah says that man is a tree in the
field. We must have roots in our own soil,
our own tradition. But we cant be a turnip
or a potato, growing only in the ground. Our
branches have to reach out beyond our top-
soil and oxygenate the earth.
The general feeling today is that with the
notable exception of glorious America, non-
Jews dont really like Jews, and there is anti-
Semitism in every place. I readily submit
20 JEWISH STANDARD OCTOBER 17, 2014
JS-20*
Cooling to Agudah
D
o you want the bad news
or the good news about
global warming?
The bad news is that
NASA reports that the last six months
were the warmest stretch the planet
has seen since at least 1880, and
quite possibly since 4000 BCE. This
period began in April, when atmo-
spheric carbon dioxide levels broke
levels not seen in 800,000 years.
All this as carbon dioxide emis-
sions have been rising from the tem-
porary dip caused by the recession.
Small wonder that last month hun-
dreds of thousands marched in Man-
hattan to demand that governments
take action.
Thats the bad news. The good
news is this: We all have nothing to
worry about after all.
For is it not written in the Book of
Chronicles the last and in many
ways least book of the Tanach that
the world is fixed so that it cannot
falter?
This verse, Rabbi Avi Shafran
informed us this week, reassures us
that Hashem has built self-correcting
mechanisms into nature.
So not to worry.
Even more so, dont march. Dont
do anything.
That climate march, it seems, por-
tions of which passed under his Man-
hattan office windows, scared him
with his zeal.
Gods promise, Rabbi Shafran
informs us, should be reserved for
Torah-study and mitzvos.
Rabbi Shafran, we hasten to men-
tion, is not some fringe crank; he is
the official spokesman for Agudath
Israel of America, the body that
brings together most of ultra-Ortho-
dox Judaism, including New Jerseys
own Lakewood yeshiva.
Now, we dont think that the
fate of the planet the question of
whether New York will be endur-
ing weeks on end of 95 plus degree
days in the summers twenty five
years from now depends on the
views of a few hundred thousand
ultra-Orthodox Jews. They dont
hold the balance of power on that
level.
But on a smaller matter, closer to
home, it turns out that Agudah has
been amassing power, and in fact
acting with a zeal that, well, some
might argue should be reserved for
Torah study. In this matter, Agudahs
misguided self-righteousness has
succeeded in inflicting pain directly
on its victims.
The Forward reports this week on
a new division of Agudah: Chayim
Aruchim, meaning long life. Its
goal is ostensibly noble: to help
Orthodox Jews navigate end of life
matters.
But the Forward reports that in
practice, Chayim Aruchim has taken
a dark and worrisome turn.
The exact criteria of death, like
most halachic matters, is subject
to debate among rabbis, as are the
questions, relevant to end-of-life
planning, of when life support can
be removed, when pain can be alle-
viated if that relief risks shortening
the patients life, and when a patient
can be declared dead and his organs
transplanted into someone else.
In our community, many Ortho-
dox rabbis have signed on to the Hal-
achic Organ Donor Society, a group
that argues firmly and on halachic
grounds on the importance of organ
donation.
But Chayim Aruchim is not only
advocating for the members of the
Agudah camp. As the Forward doc-
uments, it is forcing other people to
end their lives in accordance with
Agudahs beliefs. They have gone to
court to overturn health care prox-
ies. There are even ultra-Orthodox
rabbis who have argued against
aggressive, painful treatment but
Agudath Israel is not among them.
We believe that Agudath Israel
should not have the right to tell
other people how and when to die.
- L.Y.
Rabbi Shmuley Boteach is the founder of This
World: The Values Network. The author of 30
books, he has just published Kosher Lust: Love
is Not the Answer. Follow him on Twitter @
RabbiShmuley.
The close friendship between Senator Cory Booker and Rabbi Shmuley Boteach
began when they met at Oxford Universitys LChaim Society.
Rabbi
Shmuley
Boteach
The non-Jews who love us
it affects my life till today.
I am Chabad to my core. I
chose it when I was a boy of 9
and I will never leave it. I love
the Rebbes universal vision.
But I was crushed for creating
an organization that realized
that vision in seeing the essen-
tial brotherhood of all human-
ity, regardless of religion, eth-
nicity, or creed. That remains
an open wound.
This is not a column about
Chabad. The Jewish world owes
an incalculable debt to Chabad and the
incomparable work it does globally. Simply
put, without Chabad so many spaces of the
world would be utterly bereft of Judaism.
But this is a column about the Jewish need
to impact on the wider world and transcend
Jewish isolation.
The Torah says that man is a tree in the
field. We must have roots in our own soil,
our own tradition. But we cant be a turnip
or a potato, growing only in the ground. Our
branches have to reach out beyond our top-
soil and oxygenate the earth.
The general feeling today is that with the
notable exception of glorious America, non-
Jews dont really like Jews, and there is anti-
Semitism in every place. I readily submit
Opinion
that this seems true in Europe and
the Arab Middle East.
But I just addressed a crowd of
100,000 people on a conference
on world peace in Seouls Olympic
Stadium. Koreans dont really know
Jews. But if you watch the video
youll see how much Jewish ideas
resonated with the crowd. There
were seven other speakers, religious
leaders from around the world.
They spoke of the need for con-
flict to end and peace to reign. But
I emphasized that there could never
be peace with a regime like North
Korea, which constantly threatens
their brothers to the south with
nuclear annihilation. There could
not be peace with a brutal dictator
like Kim Jong Un, who feeds his army
while starving children. The regime
first must collapse from within.
There cannot be peace with orga-
nizations like ISIS, which revel in
beheading defenseless men whose
hands are tied behind their backs.
They first must be destroyed from
the air.
The crowd roared with approval.
What they were cheering was not
me but the expression of Jewish
ideas. They were left cold by the
kumbaya message, that everyone
should sit and roast marshmallows
together democracies, autocracies,
terrorists and instead were galva-
nized by the Jewish message that
to achieve peace we must hate and
fight evil.
The peace that Europe finally
enjoys after centuries of inces-
sant conflict did not come until the
United States and Britain completely
destroyed Nazism. Peace did not
come to Japan until the United States
utterly destroyed the empires capac-
ity to make war.
Speaking of Asia, a Pulitzer-prize
winning author recently told me that
a young Chinese scholar had walked
over to him after a university lecture
to tell him she wanted to learn from
the Jews. In China we are awed by the
Jews. How successful they are. How
smart. How much they believe in edu-
cation. Were amazed at how Israel
fights its enemies to survive and pros-
pers. It impresses us to no end.
He concluded, The Chinese are
not like the Europeans. They are
not jealous of Jewish success but
are inspired by it. Why isnt Israel
reaching out to the Chinese?
Yes, France may be a write-off.
And Britain especially, with its silly
vote this week to support the imme-
diate creation of a Palestinian state
without even the precondition that
it be a state that grants equal rights
to women, does not shoot gays in
the head, and has real elections
as opposed to retaining the dicta-
tor Abbas has become after having
failed to go to the polls in a decade.
Britain supports the creation of
a Palestinian state without even
stipulating that the Hamas terror
organization that aids and abets
honor killings of women and uses
small children as human shields be
barred from governing. None of this
should surprise us when we remem-
ber that for all the remarkable good
Britain did in defeating Hitler under
Churchill, it immediately threw him
out of office after the war and insti-
tuted a policy of interring Holocaust
survivors in the infernal heat of
Cyprus DP camps rather than allow
them into Palestine.
But why write off Asia? Why write
off Australia? Why write off Canada?
These are countries that support
Israel and contradict the destructive
belief that the world is hopelessly
anti-Semitic.
A few years ago, the Jewish com-
munity feared that anti-Semitism
was spreading in parts of the African-
American community. We were star-
tled that anyone who experienced
the same kind of oppression we
had and with whom we marched
behind Martin Luther King, arguably
the greatest American of the twenti-
eth century could speak negatively
of us.
Now, New Jerseys leading Jewish
newspaper does a cover story about
a great African-American senator,
who is one of the Jewish peoples
greatest friends in politics, loves
Judaism, regularly studies Torah
with a rabbi, and stands steadfastly
behind Israel.
Lets reject the ridiculous and self-
hating assumption that non-Jews are
not our brothers and friends.
JS-21*
JEWISH STANDARD OCTOBER 17, 2014 21
We cant be
a turnip or
a potato,
growing only in
the ground.
Our branches
have to reach
out beyond our
topsoil and
oxygenate
the earth.
Deep down, you already know
About asking help and listening to ourselves
I
t isnt a news flash that
we have access to mas-
sive amounts of infor-
mation today. But the
numbers about the numbers
are worth reporting.
Dr. Martin Hilbert and a
team of researchers at the Uni-
versity of Southern California
calculated that the average
American met with the equiva-
lent of 40 85-page newspapers
containing only information
no ads per day in 1986. By 2007, we were
exposed daily to the equivalent of 174 news-
papers. Dr. Hilbert has not yet released any
information past that date. I am just hoping
that he and his research team arent buried
under a pile of reports, unable to get up.
At least Dr. Hilbert seems to have
emerged, because he co-wrote an article
published in Science in 2011, detailing
his research up to 2007. As of seven years
ago, there were approximately 295 exa-
bytes of stored data in the world that is,
29,500,000,000,000,000,000,000 pieces
of information. This represents a 23 percent
annual growth in stored information since
1986.
The increase in our output is even more
prodigious than in our input. In 1986, the
average American produced two and a half
pages of information per day. By 2007, with
the spread of email and social media, each
of us produced, on average, six newspapers
worth of information, or about 510 pages. If
this seems crazy to you, then you clearly
are not uploading as much as some of your
neighbors.
Have you glazed over from the numbers
yet? Thats what tends to happen with an
overabundance of data. With our informa-
tion glut, we simultaneously suffer a wisdom
deficit. When we try to make even a simple
decision, we can become overwhelmed by
the plethora of choices.
Psychologist Barry Schwartz of Swarth-
more coined the term the paradox of
choice to refer to our tendency to become
muddled and unhappy in the face of innu-
merable possibilities. Good information and
a few options to choose from will empower
you. Dozens or thousands and certainly,
exabytes of data and choices can paralyze
and exhaust you.
Lifes most important decisions are not
a matter of information anyway. Whom
should I marry? Will we try to have (another)
child? What is my purpose? When is it time
to say goodbye to a relationship? To let go of
a dream?
Benjamin Franklin famously suggested
making lists of pros and cons to reach major
decisions. But in the end, Franklin overrode
his own lists. He assigned more weight to
some considerations than others. He used
his brain but he went with his gut.
It doesnt matter how many
gigabytes you have assimilated
and how many you have forgot-
ten. It doesnt even matter how
much more is out there for you
to learn. If you have already
spent time thinking seriously
about a decision, chances
are that you dont need more
information.
But you may need some
inquiry.
Let me suggest two major
sources of wisdom: 1) you and 2) the other
people directly concerned.
The first and most important inquiry you
need to make is of yourself. We all have to stop
the onslaught of information for long enough
to hear ourselves think and then admit what
we know to be true.
This past August, my son, Emmett, went
to a math program that was run as a family
camp. My husband and I attended the par-
ents program, which ran simultaneously
with the math classes for the kids. I learned
one statistic that stuck with me, perhaps
because I was also, between classes, doing a
traditional pre-High Holiday self-assessment,
an accounting of the soul for the past year.
It seems that many mathematicians and
computer scientists conduct a peer review
before publishing. The purpose is to poke
holes in the proof or code. Trusted colleagues
are invited to a presentation and then encour-
aged to look for errors and exceptions. The
person presenting is grateful even thrilled
when flaws are found, because corrections
can be made before going public.
Here is the memorable statistic about these
laboratories for offering and accepting criti-
cism: on average, 80 percent of the errors
in a review are found by the presenter. The
person who lived the proof, ate and slept the
code, worked on it for months at a time, and
then polished it for presentation is the very
same one who discovers the vast majority of
mistakes. Its amazing and it makes perfect
sense.
So often, all we need is a safe, supportive
environment where we can think out loud,
and where it is acceptable (even encouraged)
to notice our own missteps. Under those cir-
cumstances, we know. We can name our
errors, our contributions, and even our next,
best steps.
Inquiry of others is also essential. After all,
20 percent of the errors in a peer review are
discovered simply by asking for feedback.
Last April, Gloria Steinem published a beau-
tiful essay in Oprah magazine. She had gone
to a conference in Ghana on the subject of
human trafficking, where a lot of information
and plans were offered without any results
worth mentioning. Afterwards, Steinem vis-
ited friends in Zambia. She found herself sit-
ting among a circle of women, who began
Rabbi Debra
Orenstein
SEE DEEP DOWN PAGE 22
Opinion
LETTER
22 JEWISH STANDARD OCTOBER 17, 2014
JS-22*
A reason for optimism
Taking heart from the response to
Rabbi Steinlaufs coming out
A
Frenchman, a
German and a
Jew were wander-
ing in the desert.
All three were parched with
thirst. They each craved their
favorite drink.
The Frenchman pro-
claimed, I am thirsty! I must
have a glass of wine!
The German said, I am
thirsty! I must have a frothy
beer!
The Jew said, I am thirsty! I
must have diabetes!
Jews are a worrying lot. We often are con-
sumed by fear, and see our glasses of wine
and beer as only half full. Perhaps that is
from years of persecution, or perhaps it is
just part of our DNA. Any way you slice it, we
are pessimistic.
On Sukkot, which ended this week, we
were commanded to be optimists, to see the
good in a world we reflexively are used to see-
ing through a dark lens. When we recited the
holidays liturgy, we saw that it is called the
time of our joyousness. Thus we are com-
manded to be positive and happy, for seven
days at least!
With this teaching in mind, indulge me to
share a particular thought in light of the news
that broke last week that I have seen in a par-
ticularly positive light.
Gil Steinlauf is the senior rabbi of Adas
Israel Congregation in Washington D.C. a
storied Conservative congregation. Before
that he led Temple Israel and Jewish Com-
munity Center in Ridgewood. In a raw letter
to his community, Rabbi Steinlauf revealed
that he is gay. He explained that his marriage
would end but his respect and love for his
wife and children would not.
It is not my place to address his letter or
his choices. Rabbis are people first. Each cler-
gyperson is entitled to dignity and privacy for
his or her own sake and for the sake of his
or her family. Suffice to say, I applaud Rabbi
Steinlaufs courage, and I pray that he finds
all the peace and fulfillment he seeks.
The letter that accompanied the rab-
bis note to his congregation captured my
attention as well. It was from
the synagogue president, and
it carried the imprimatur of the
board of trustees he represents.
The letter was unequivocally
supportive of the rabbi and his
choices, and it set the tone and
boundaries for the congrega-
tion. It asked the congregation
to give the rabbi and his family
the time and space they need
as they take the next steps in
their lives. The rabbis role at
the synagogue was never called
into question. The deep admiration the rab-
bis congregants feel for him was made evi-
dent in each word of the communication.
Twenty years ago, congregations summar-
ily fired rabbis who came out. Presidents in
those days wrote letters explaining why the
behavior was an abomination and why the
rabbis practices were against the best inter-
ests of the Conservative movement and of the
synagogue. Many colleagues who came out
found themselves unemployed and unable
to regain traction. Some of these rabbis lost
their families and left the rabbinate some
even left the religion altogether because
they could not find the support systems that
allowed them to be comfortable in their iden-
tity in their faith community.
Fast forward 20 short years, which is the
blink of an eye in the history of the United
States, and far briefer than a millisecond
in the time span of creation. Synagogue
presidents now are championing their
rabbis honesty and courage. Synagogue
leaders are setting the tone and demon-
strating, in both word and deed, what a
welcoming, inclusive, and embracing com-
munity is all about.
LGBQT concerns are the civil rights issue
of our generation. Seeing how far we have
come in such a short time is reason for us
to be proud. In a time full of pessimism and
cynicism, learning the right way quickly is
something that rightfully fills us with joy.
Rabbi David-Seth Kirshner is the senior rabbi
of Temple Emanu-El of Closter and president
of the New York Board of Rabbis.
Rabbi
David-Seth
Kirshner
Please, Mr. Garrett
The purpose of candidates forums is to
allow the voting public to ask questions of
the candidates, listen to their responses
and then make an educated decision for
whom to vote. When a candidate of a major
party refuses to appear, the public is the
loser.
A number of non-partisan organizations
have scheduled a debate in the 5th con-
gressional district between the Democratic
candidate, Roy Cho, and the Republican
candidate, Scott Garrett. The debate is set
for October 20. Mr. Cho, the Democrat,
plans to attend. Mr. Garrett, the Republi-
can, has declined.
We ask Mr. Garrett to reconsider. We,
the voters, deserve to hear his views before
pressing the lever on November 4.
Gladys Laden
Ann Levenstein
Co-Presidents
National Council of Jewish Women
Bergen County Section
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Tune in and listen
to WFDUs
89.1FM, for
announcements
about our market!
Farm Fresh Fruits & Vegetables Plants Flowers &
Herbs Pickles Olives Freshly Baked Goods
International Gourmet Prepared Foods Honey
Jams Cheese Meats Poultry Seafood
Gourmet Nuts & Dried Fruits Senior Coupons
Wonderful Cedar Lane Merchants & more!
Open Every Thursday
June 12th to October 30th
From Noon 6:00 PM
Weather Permitting
Located in the Cedar Lane Municipal Parking lot at Garrison Avenue/Beverly Road.
Plenty of free parking.
ITS GOING TO BE ANOTHER GREAT SEASON
AT THE TEANECK FARMERS MARKET!
Sponsored by The Cedar Lane Management Group
For more information: 201.907.0493 or visit: www.cedarlane.net
Follow us on Facebook and
Like us!
www.teaneckfarmersmarket.com
Tune in and listen
to WFDUs
89.1FM, for
announcements
about our market!
Farm Fresh Fruits & Vegetables Plants Flowers &
Herbs Pickles Olives Freshly Baked Goods
International Gourmet Prepared Foods Honey
Jams Cheese Meats Poultry Seafood
Gourmet Nuts & Dried Fruits Senior Coupons
Wonderful Cedar Lane Merchants & more!
Open Every Thursday
June 12th to October 30th
From Noon 6:00 PM
Weather Permitting
Located in the Cedar Lane Municipal Parking lot at Garrison Avenue/Beverly Road.
Plenty of free parking.
ITS GOING TO BE ANOTHER GREAT SEASON
AT THE TEANECK FARMERS MARKET!
Sponsored by The Cedar Lane Management Group
For more information: 201.907.0493 or visit: www.cedarlane.net
Follow us on Facebook and
Like us!
www.teaneckfarmersmarket.com
Tune in and listen
to WFDUs
89.1FM, for
announcements
about our market!
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Herbs Pickles Olives Freshly Baked Goods
International Gourmet Prepared Foods Honey
Jams Cheese Meats Poultry Seafood
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Wonderful Cedar Lane Merchants & more!
Open Every Thursday
June 12th to October 30th
From Noon 6:00 PM
Weather Permitting
Located in the Cedar Lane Municipal Parking lot at Garrison Avenue/Beverly Road.
Plenty of free parking.
ITS GOING TO BE ANOTHER GREAT SEASON
AT THE TEANECK FARMERS MARKET!
Sponsored by The Cedar Lane Management Group
For more information: 201.907.0493 or visit: www.cedarlane.net
Follow us on Facebook and
Like us!
www.teaneckfarmersmarket.com
Tune in and listen
to WFDUs
89.1FM, for
announcements
about our market!
Farm Fresh Fruits & Vegetables Plants Flowers &
Herbs Pickles Olives Freshly Baked Goods
International Gourmet Prepared Foods Honey
Jams Cheese Meats Poultry Seafood
Gourmet Nuts & Dried Fruits Senior Coupons
Wonderful Cedar Lane Merchants & more!
Open Every Thursday
June 12th to October 30th
From Noon 6:00 PM
Weather Permitting
Located in the Cedar Lane Municipal Parking lot at Garrison Avenue/Beverly Road.
Plenty of free parking.
ITS GOING TO BE ANOTHER GREAT SEASON
AT THE TEANECK FARMERS MARKET!
Sponsored by The Cedar Lane Management Group
For more information: 201.907.0493 or visit: www.cedarlane.net
Follow us on Facebook and
Like us!
www.teaneckfarmersmarket.com
Tune in and listen
to WFDUs
89.1FM, for
announcements
about our market!
Farm Fresh Fruits & Vegetables Plants Flowers &
Herbs Pickles Olives Freshly Baked Goods
International Gourmet Prepared Foods Honey
Jams Cheese Meats Poultry Seafood
Gourmet Nuts & Dried Fruits Senior Coupons
Wonderful Cedar Lane Merchants & more!
Open Every Thursday
June 12th to October 30th
From Noon 6:00 PM
Weather Permitting
Located in the Cedar Lane Municipal Parking lot at Garrison Avenue/Beverly Road.
Plenty of free parking.
ITS GOING TO BE ANOTHER GREAT SEASON
AT THE TEANECK FARMERS MARKET!
Sponsored by The Cedar Lane Management Group
For more information: 201.907.0493 or visit: www.cedarlane.net
Follow us on Facebook and
Like us!
www.teaneckfarmersmarket.com
Tune in and listen
to WFDUs
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announcements
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READERS
CHOICE
2014
FIRST PLACE
FARMERS MARKET
F
I
N
A
L
W
E
E
K
S
talking about their lives with naked hon-
esty. They were desperately poor. The
local tourist lodges did not hire women.
Elephants ate all the crops they tried to
grow. They had little or no education
themselves, and they were determined
to find the money to pay school fees for
their children. Prostitution under inhu-
man conditions seemed the only option.
Then Steinem asked a vital question
of the people who had to know: What
would help? The women asked for an
electric fence to keep the elephants away
from their crops.
She raised the money, and the fence
was installed. A year later, the women
had a bumper crop and their children
were in school.
Writes Steinem: Before I spoke to
them, if youd asked me how to stop sex
trafficking in this village, never would I
have said, Find a way to keep elephants
out of their gardens. I call this story the
parable of the fence, and these are its les-
sons: Helping begins with listening. Con-
text is everything. People who experience
a problem know best how to solve it. Big
problems often have small solutions.
People who experience a prob-
lem know best how to solve it. It is
a radical idea and, usually, an inspir-
ing one unless you happen to be the
one with a problem and you are feeling
overwhelmed.
If that is you, then you may need to
talk things out among a trusted group
of experts or in a consciousness-raising
circle. There is a (slim) chance that you
need more information. But most likely,
you need to listen to the voice that we
prayed about and to over the High
Holidays: the still, small voice that
calls to you amidst storms and earth-
quakes and all other loud and showy
disasters (I Kings 19:12).
Dr. Hilbert offers some comfort here.
Remember the 295 exabytes of informa-
tion that were stored around the world
in 2007 and have been added to since?
It turns out that all this information is
still less than 1 percent of the informa-
tion that is stored in the DNA molecules
of one human being.
We are more than what is thrown at
us. And we can handle what is thrown
at us.
Deep down, we know.
Rabbi Debra Orenstein is spiritual leader
of Congregation Bnai Israel in Emerson
and a scholar-in-residence around the
country. Learn more about human
trafficking at RabbiDebra.com.
Deep down
FROM PAGE 21
JS-23
JEWISH STANDARD OCTOBER 17, 2014 23
TO REGISTER OR FOR MORE INFO, VISIT
jccotp.org OR CALL 201. 569.7900.
UPCOMING AT
KAPLEN JCC on the Palisades
KAPLEN JCC on the Palisades TAUB CAMPUS | 411 E CLINTON AVE, TENAFLY, NJ 07670 | 201.569.7900 | jccotp.org
JAMES H. GROSSMANN MEMORIAL
JEWISH BOOK MONTH
Gary Rosenblatt:
Between the Lines
REFLECTIONS ON THE
AMERICAN JEWISH EXPERIENCE
As editor and publisher of the Jewish Week of New
York, Gary Rosenblatt is often described as the
dean of Jewish journalism. Between the Lines is an
anthology of some of his award-winning columns
that range from hard-hitting reporting on Jewish life
and current afairs to witty satire. Mr. Rosenblatt will
be speaking with Rabbi Reuven Kimelman.
Wed, Oct 29, 7:30 pm, Free
Jewish New Year, New You
WITH KIMANIS POST HOLIDAY WORKOUT
Free and open to the community
Jump-start your new year and burn post-holiday calories.
Join us for an invigorating high intensity outdoor workout
with master trainer Kimani Green. The crisp fall air and
scenic surroundings will make this workout on the courts
a refreshing experience. Featuring a live DJ!
Sunday, October 19, 10 am,
outdoor tennis courts weather permitting
Rain Date, October 26
ADULTS SUPPORT JUDAICS
Genealogy
Finding Your Story
Avrum Geller, professional genealogist
will talk about how our family histories
can give us insight. Who were your
ancestors? Learn about the rich and
varied resources that are available to
us to help in this quest. You will get
the assistance you need to begin your
search and learn how to organize the
material you collect.
Co-sponsored with JCC University.
Thur, Oct 30, 1-2:15 pm, $16/$20
PROFESSIONAL CHILDRENS THEATER SERIES
Fly Guy & Other Stories
A Musical
THEATREWORKS USA
A new musical from the one of the best childrens
theaters in the US. Based on favorite stories: Fly
Guy Meets Fly Girl, Diary of a Worm, Flufy the
Classroom Guinea Pig, Horace & Morris But Mostly
Dolores, Kittens First Full Moon, Lillys Big Day and
Paper Bag Princess. Visit jccotp.org/theaterseries
or call 201.408.1493 for tickets.
Sun, Oct 26, 2 pm, $12 advance sale per person,
$17 day-of, space permitting
Series of four: $40 includes Puss in Hightops,
Alice in Wonderland and Rainbow Fish.
Widows and Widowers:
You Are Not Alone
SUPPORT GROUP WITH JUDY BRAUNER,
LCSW THERAPIST
This bereavement group for those recently widowed
provides an opportunity to share your feelings with
others that understand.
7 Mondays, Oct 27Dec 8, 6:15-7:45 pm, $115/$140
Registration required. Call Esther at 201.408.1456.
Crimes and Misdemeanors
A FILM/DISCUSSION WITH HAROLD CHAPLER
Nominated for best director and best screenplay, this
Woody Allen classic weaves a dramatic, yet comic, tale
about an ophthalmologist, who persuades his brother, with
mob connections, to do away with a threatening mistress.
Stars Martin Landau, Jerry Orbach, Angelica Huston,
Johanna Gleason, and Woody Allen, who plays the role of
a documentary lmmaker. Enjoy cofee and light snacks.
Optional discussion afterward.
Mon, Oct 27, 7:30 pm, $5/$7
Cover Story
24 JEWISH STANDARD OCTOBER 17, 2014
JS-24
O
kay. Lets start with
full disclosure.
I ve never met
Barry Louis Polisar,
so its nothing per-
sonal. But his music for children
he says now that hes been told that
hes a pioneer in the kindie move-
ment (thats indie music for kids)
was a huge part of our lives, back
when my kids and the world and I
were young.
Mr. Polisar is based in Maryland,
but he sometimes played here;
hed do the occasional early-Sun-
day-morning live show at WFDU,
at Fairleigh Dickinson University in
Teaneck, and wed all go to see him.
We first heard about him on Kids
America, an extraordinary (and
therefore short-lived) childrens
public radio show aired on WNYC,
where such classics as Ive Got A
Teacher, Shes So Mean and I Lost
My Pants and Dont Eat the Food
That Is Sitting on Your Plate
were in heavy rotation.
And then, of course, I forgot all
about him.
So when word came that he had
written a book about Genesis the
first book of the Bible, Beresheit, not
the old rock group and timed it to
come out just as we begin the Torah
cycle once again, starting with Gen-
esis, I was thrilled. And when I read
the book, I was not disappointed.
Mr. Polisar has approached the
task with unexpected reverence but
also with his usual creativity and
verve. The book, Retelling Gene-
sis, focuses on the less-prominent
characters in well-known stories.
Using only the text itself, Mr. Polisar
imagines himself into the skins of
Esau and Laban, Noahs wife, Lots
daughters, and Josephs brothers,
among others.
Mr. Polisar is a storyteller, and
there is a story in the way he found
himself writing this book.
He grew up in Brooklyn and then
in suburban Washington, D.C., in a
Jewish but Jewishly unconnected
family, feeling much but knowing
little about Judaism. He has been a
childrens performer for 40-some-
odd years; his career has been
steady, and hes been in demand
during that time hes played at
the White House, the Smithsonian,
and the Kennedy Center, and hes
written songs for Sesame Street
but it was not stellar. He has also
produced a steady stream of chil-
drens books.
Then, in 2007, one of his songs,
All I Want Is You, was featured in
Juno, a surprisingly successful
movie that both critics and audi-
ences loved. The song is a quintes-
sential Barry Louis Polisar song his
country-accented voice (not so easy
to pick up in either Brooklyn or D.C.,
but surely he has poetic license),
the guitar, the harmonica, and the
charming lyrics. (If I was a flower
growing wild and free/All Id want is
you to be my sweet honey bee/And
if I was a tree growing tall and green/
All Id want is you to shade me and
be my leaves.)
Since then, his name recognition
and his popularity have skyrock-
eted. His music has been featured in
movies and commercials around the
world.
He also has become increasingly
involved in Jewish life. He published
a haggadah a few years ago, and
now, here is Retelling Genesis.
There is another strand to Mr.
Polisars life, one to which the lyrics
of All I Want Is You allude. He is a
farmer, a gardener, a finder and fixer
of abandoned houses in the country,
and a cleaner-up of the land that sur-
rounds them.
We thats Mr. Polisar and his
wife, Roni, who illustrated Retelling
Genesis, bought a farm about four
miles north of Silver Spring about 15
Retelling Genesis
Barry Louis Polisar
is a longtime kids
performer and
songwriter; at
right, Roni Polisars
illustration of the
story of Zilpah and
Bilhah, showing
Jacobs spotted and
speckled sheep.
JOANNE PALMER
Cover Story
JEWISH STANDARD OCTOBER 17, 2014 25
JS-25
Cover Story
26 JEWISH STANDARD OCTOBER 17, 2014
JS-26
years ago, he said. It was a 20-acre farm that
had been used as a junkyard. It had been on the
market for months and months. No one would
touch it. I spent a year and a half clearing the
land. It was a venture in which he found spiri-
tual meaning, as he drew closer and closer to the
land underneath the trash.
My wife has always been a huge organic
gardener, he continued. And now the land is
sort of a farm. Its not a commercial operation,
but we grow our own food and of course we
supplement it.
Our chavurah got together for Sukkot, and
Roni made this great sweet potato thing. Thats
because its sweet potato season. We bring some-
thing different every year it just depends on
The truth is after all of that fire and brimstone, and then watching our own mother
turn into a pile of salt before our very eyes, we thought it was just the three of us left
in the world. And since we had found all that wine in the cave, it seemed like the
whole thing was ordained by God. How else could just the three of us repopulate
the world?
So, yes, we got our father drunk andwell, you know the sorry story. We each had a
son from that union, and from those sons came kings and prophets.
I guess we really never had what you'd call a great upbringing, living in Sodom. The
memory of that time is like salt in a very fresh wound. We were deserted and alone
in a city that was well watered with greed and evil.
And don't get us started on how our father tried to offer us to all those men who
were trying to have their way with God's messengers just before all the destruction
began. Here are my two daughters, our father said. They have known no man.
Let me bring them out unto you and do to them whatever you will.
Is this a thing a normal father would say?
So don't judge us for getting him drunk in the cave and having our way with him.
God did tell Abraham he'd spare the city if he could find ten good souls in Sodom,
but they were not to be found.
We were the best of the lot.
We were the ones he saved.
Lot s Daughters
Illustrations for the stories of Jacob, Esau, and the binding of Isaac, all by Roni Polisar.
A page from Retelling Genesis.
Cover Story
JEWISH STANDARD OCTOBER 17, 2014 27
JS-27
which crop is in.
Next, the couple turned to property that had been in
Mr. Polisars family since the 1930s. My grandfathers
parents settled in Colchester, Connecticut, in the 1890s,
he said. They were part of the big wave of Jewish emi-
gration, part of a group that was settled on farms in New
England. My grandfather grew up on a farm, and he told
the classic stories about it. He ran six miles to school
every day; he had no gloves but hed carry hot potatoes
in his hand.
He went to Yale, and that was during the quota sys-
tem which kept all but a few of the most formidably
qualified Jews out but he had these agrarian roots.
My grandmother was more urban, from a shopkeepers
family, but she was a hopeless romantic who loved liv-
ing in the country. So the couple bought 50 acres on the
Chesapeake Bay.
The house they built on that land which included
every modern convenience possible in the 1930s, but
never was finished still stands. Mr. Polisars uncle,
an eccentric person who lived a bizarre life, lived
there until he died. He did not make any improvements
to the house, and he did nothing to the land. He also
did not make the killing he could have made by subdi-
viding it and selling it off. Instead, he kept it the way
nature meant it to be. It was covered with trash, but
the trash was only surface deep. Underneath, the earth
was protected.
Mr. Polisars 88-year-old mother very much wanted
the house and the land to stay in the family, so Barry and
Roni Polisar undertook another clean-up job. They reg-
istered the land in the forest conservation program; in
return for drastically reduced taxes, they have promised
to keep the land wild and natural. That was a no-brainer
for them; they have no interest in anything else.
Next, they bought more land near their own house;
again, it had been used as a dump. No one else wanted
it. One day, Roni and I were walking to the ice cream
store through a trail in the woods, and we see a sign
that says For Sale and points to this path in the woods.
My wife said no. No more land. No more houses. So I
didnt look. But then, a few weeks later, the sign was
still there.
Now, cleaned up and detrashed, the house and land
are home to a young couple and some friends, Jewish
academics who are living out their own 21st-century
rural fantasy. I call it the commune down the road, Mr.
Polisar said. I see these renovations as part and parcel
of what I do spiritually and religiously and creatively.
During all this time, Mr. Polisar had been growing
closer to Jewish life. I had a Tijuana bar mitzvah, he
said. I had a crash course to learn Hebrew for it, and
then I never used it again. In my memory, it was the
one and only time my family went to a synagogue. As
a 13-year-old, it all felt empty and meaningless. I went
through this ritual but why?
He spent his adolescence and young adulthood
The Polisars reclaimed a family home on the Chesapeake Bay.
Roni and Barry Louis Polisars take on American
Gothic.
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Cover Story
28 JEWISH STANDARD OCTOBER 17, 2014
JS-28
knowing he was Jewish but not caring very much.
Then I married Roni, he said. The shul her fam-
ily went to a few times a year was Orthodox. And they
did Passover.
When I first met her dad, I was an eager student.
My memory of those early Passovers was that I would
ask questions I wanted to understand everything
and everyone else was moaning and groaning because
it took so long. And then, over time, I noticed that
everybody gathered around the table was perplexed
by the same thing, and over time I was the one who
was starting to answer the questions.
Thats when he realized that a new Haggadah might
be useful. The ones we used were really confusing,
and didnt provide a context, he said. They didnt
explain, for example, that the story was told talmudi-
cally. They didnt have any idea how to read it. The
way the stories were presented, people read as if they
were reading full sentences. They didnt understand
that they were reading sentence fragments.
There have been many haggadahs put together to
reflect political and social world views, Mr. Polisar
said. He wasnt interested in them either. He wanted
the pure text; he just wanted to be able to understand
that text. I wanted it put into traditional and spiritual
context, he said.
So when we had an opportunity to host a seder,
I said that I wasnt going to use that haggadah. I put
together some photocopied pages, culled from various
sources, and people took them home and used them.
He ended up publishing the haggadah, called Tell-
ing the Story, which is now in its third printing, and
also posting it online, free, in PDF form. (Its available
at www.barrylou.com/books/TellingTheStory.html)
Theres a photo of a bunch of young students using it
on iPads and iPhones, so that was very satisfying, he
said. Just like any other author or songwriter, I know
of no greater satisfaction than to be able to write some-
thing that really resonates with people.
And that brings us, at last, to his new book.
When my kids 27-year-old twins Sierra and Evan
were at the synagogue, in preschool and then reli-
gious school and then studying to become bar and bat
mitzvah, they were required to go to services, I told
them that I would never drop them off at the door and
leave them. If you go, I am going, I told them. So I
started going. The shul was Shaare Tefila Congrega-
tion, a Conservative synagogue in Olney, Md.
It was the first time that I had read the Torah as
an adult, Mr. Polisar said. If youve never set foot in
a synagogue or church, still youd know some of the
stories, but not all of them. I started reading, and I
kept going.
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The shore-
front by the
family home
was covered
with trash; Mr.
Pollisar poses
with a small
fraction of his
handiwork.
JS-29
JEWISH STANDARD OCTOBER 17, 2014 29
Cover Story
JS-29
JEWISH STANDARD OCTOBER 17, 2014 29
Id ask my rabbi, Jonah Layman, a lot of questions,
and he was very patient. He was running a Friday
morning Torah study class with a bunch of retirees
because who else could be there on a Friday morning?
So soon it was me and all those retirees. And I was
really lucky, because we were starting Genesis.
Now, 16 years later, were on Leviticus, he added.
It is traditional text study, featuring close analysis and
avid tangent-hunting. It appealed to Mr. Polisars natu-
ral inclination to question absolutely everything a
quality highly prized in such study sessions.
At the same time, my daughter, Sierra, was in a
class where she was asked to write a one-page paper
about some well-known fable or classic story that
everyone knows, but to write it from a different point
of view. She chose to write about Noahs wife, and she
shared it with me.
He was so taken with it, he said, that he asked her if
he could make some changes to it and use it himself.
She said, Sure. Ive already turned it in. Knock your-
self out, Dad.
He did.
At the same time, he said, he had been influenced
by my favorite poet, A. D. Hope, an Australian who
had been a friend of Audens. (Thats the 20th-cen-
tury English poet W.H. Auden.) One of Hopes books
is called The Book of Answers, in which he answers
famous poems.
I had wanted to do an album answering famous
childrens songs. He didnt he realized that there
were not enough famous childrens songs that could
be answered or rebutted but the idea stayed with
him, combined with his daughters work and his own
Torah study, and turned into something else. His new
book.
I wrote the first draft that night, and I have been
sitting on it easily for a dozen years, he said. I was
questioning who am I to write this book, why would I
be putting myself out there like that. And every time I
went back and read the stories, I got different insights.
He worked with different translations, but he chose
not to include any midrashim the traditional stories,
filtered through different rabbinic points of view, his-
toric eras, and circumstances, that explain or deepen
or spin biblical stories. Instead, I simply wanted to
give voice to the characters who didnt have much
voice, he said.
The effect is a kind of Rosencrantz and Gildenstern-
ization of the Torah text.
I am irreverent in my childrens songs, but I am
not here, Mr. Polisar said. People have asked if this
isnt an edgy book, but I think that everyone who is
engaged in Torah study will find it to be entirely rever-
ential. My heart and soul are in it.
It might not be a traditional approach to Torah
study, he conceded. But reverence, perhaps, is hard
to define, as is relevance.
This came up recently in a Talmud class, when we
looked at a story about two priests who were offer-
ing sacrifices, he said. They were running to get to
do the sacrifice first, and one killed the other one,
stabbed him with a knife. The rabbis discuss whether
they can use that knife again for sacrifices.
I find that a lot of the time, the rabbis concentrated
on odd details, but not on the whole story, he said.
Yes, the story is from the Talmud, not the Torah, but
that is not the detail upon which he would have cho-
sen to concentrate.
I came away from the project with an even stronger
respect for the Bible, and for the book of Genesis, Mr.
Polisar said. It has weight, and it has incredible sto-
ries and lessons to tell.
The familys
first sukkah.
Jewish World
30 JEWISH STANDARD OCTOBER 17, 2014
JS-30*
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ICC drive reluctant duty for
Ramallahs man in the Hague
CNAAN LIPHSHIZ
THE HAGUE, Netherlands Loading
a newly released video of a behead-
ing in Syria on his smartphone, Nabil
Abuznaid, the Palestinians ambassador
here, shakes his head in disbelief.
Look at those animals, he says, refer-
ring to the fighters from the ISIS jihadist
group who carried out the decapitation.
Do you think Israelis are immune from
this craziness? Me, Im even more scared
of this fundamentalism.
To Abuznaid, who has represented the
Palestinian Authority in the Netherlands
for the past five years, such barbarity is
a sign that the Israelis and Palestinians
should resolve their differences peace-
fully and stand united against the shared
threat of extremism.
But on Abuznaids desk, under a life-
size portrait of the late PLO leader Yasser
Arafat, are documents connected to a
move that could undo 24 years of efforts
to find common ground: The Palestin-
ian Authoritys plan to expose Israel to
war crimes charges at the International
Criminal Court in the Hague.
Abuznaid says he is advancing the
motion with little enthusiasm. But if P.A.
Foreign Minister Riyad al-Maliki is to be
believed, within the year the Palestinian
Authority will accede to the Rome Stat-
ute, the treaty that established the ICC in
1998, which would give the U.N. tribunal
jurisdiction to probe war crimes investi-
gations against Israel.
Both the Palestinians and Israelis con-
sider the move a game-changer, a step
after which a negotiated two-state solu-
tion may be all but impossible.
This is not the Palestinian preferred
choice because going to the ICC is the final
divorce: one-way move, no way back,
said Abuznaid, 60, a former lecturer in
international relations from Hebron who
spent a few months in an Israeli jail in the
1980s for his membership in the PLO. I
dont think Palestinians and Israelis are
ready for a final divorce.
If the Palestinians move ahead with
their plans, it is Abuznaid who will be
the P.A.s point person on the matter.
Abuznaid says his family is from Haifa,
where they lived before Israels estab-
lishment in 1948, when they left along
with hundreds of thousands of Pales-
tinians who fled or were driven out of
Israeli-controlled areas during the War
of Independence.
As a young man, Abuznaid believed
in the Palestine Liberation Organiza-
tions strand of radicalism. He was a self-
described revolutionary who thought
Israel had to be destroyed. But over time
his politics have softened, and today
even his Israeli detractors consider him
a pragmatist.
Let the person who is living in my
familys house in Haifa enjoy the beach
there and I will enjoy my life in Hebron
and we can be friends, he said. There
is no choice but to divide the land.
Equipped with good English and a
political science degree from James Mad-
ison University in Virginia, Abuznaid
climbed the PLO ranks to become a
personal adviser to Arafat, serving
under him during the Oslo negotiations.
Abuznaid later returned to the United
States to serve as deputy head of the
Palestinian Authoritys mission in Wash-
ington, among other positions. His wife,
Lubna, and their two children are living
in the United States.
Abroad Im a diplomat who receives
the red carpet, Abuznaid said. But when
I return home, I need to wait in my car
for a boy the age of my son whos treating
me like Im barely human. He is talking
about the soldiers who check his papers
when he crosses the Allenby Bridge
between Jordan and the West Bank.
Unlike his position on checkpoints
a longstanding Palestinian gripe
Abuznaids reluctant attitude to the ICC
move seems out of sync with Ramallahs
public defiance. Yet despite the rhetoric,
its not clear how eagerly the Palestinians
are to play the ICC card.
In July, the Palestinian Authoritys jus-
tice minister and the general prosecutor
in Gaza sent an official request for an ICC
investigation of alleged war crimes com-
mitted by Israel this summer during its
campaign against Hamas in Gaza. The
following month, during Malikis visit to
the Hague, he told reporters that acces-
sion is only a matter of time and will
occur this year.
But a letter from ICC prosecutor Fatou
Bensouda leaked last month states that
Maliki was asked to confirm the request
contained in the July letter and declined
to do so.
Nabil Abuznaid, the Palestinian Au-
thoritys ambassador to the Neth-
erlands, speaks at James Madison
University in Virginia on October 6.
COURTESY JAMES MADISON UNIVERSITY
SEE ABUZNAID PAGE 56
Jewish World
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Midterm elections
Jews facing off and other close races to watch
RON KAMPEAS AND
ANTHONY WEISS
With midterm elections just around
the corner, four races for the House of
Representatives are catching our Jewish
eyes.
In California, succeeding Waxman:
Ted Lieu vs. Elan Carr
Californias 33rd congressional dis-
trict, stretching along the Pacific coast
and extending into the west side of Los
Angeles, is one of the wealthiest districts
in Congress and encompasses some of
the most glamorous real estate in the
country: Malibu, Beverly Hills, Bel Air.
When incumbent liberal stalwart Rep.
Henry Waxman announced his retire-
ment, the 18-candidate primary for the
seat turned into a national punchline,
attracting a Kardashian-endorsed spiri-
tual guru, an NPR host, and a hard-par-
tying former NBC executive.
But as befits the successor to Wax-
man, a legislative workhorse, the two
candidates who emerged State Sen.
Ted Lieu, a 45-year-old Democrat, and
Los Angeles deputy district attorney
Elan Carr, a 46-year-old Republican
are decidedly low-key figures who share
a number of similarities. Both are serv-
ing members of the militarys JAG corps
(Lieu for the Air Force, Carr for the
Army), both belonged to Jewish-founded
fraternities (Lieu to Sigma Alpha Mu,
Carr to Alpha Epsilon Pi), and both are
pitching themselves as relative moder-
ates socially liberal, pro-Israel and
business friendly.
Carrs mother emigrated from Iraq to
Israel and subsequently to the United
States when she was a child. Carr grew
up in New York speaking Hebrew and
Arabic with his family, and he put the lat-
ter skill to use when he served in an anti-
terrorism unit in Iraq. He argues that his
Iraq experiences will serve him well as
a shaper of opinion on foreign policy,
and particularly on Iran and Israel key
issues in the seventh-most-Jewish district
in the country.
Carrs interest in Israel, in particular,
is something he shares with supporter
Sheldon Adelson, whom the candidate
describes as a close personal friend.
Adelson has donated to the Carr cam-
paign and hosted a fundraiser for him.
Lieu is an immigrant himself, having
arrived in the United States from Taiwan
with his parents when he was 3. He has
written bills on everything from green-
house gas reductions to indoor tanning
salons, and he touts his legislative expe-
rience as one of his strengths.
Voters, Lieu says, are very aware that
theyre losing a phenomenal legislator
in Waxman, who has endorsed Lieu.
With me, you have a track record.
Registered Democrats in the district
substantially outnumber Republicans,
43.4 percent to 26.8 percent. Raphael
Sonenshein, the executive director of
California State University, Los Angeles
Pat Brown Institute a nonpartisan pub-
lic policy institute says that Carr has
the right profile for a Republican to be
successful here, but given the partisan
tilt of the district, he is a substantial
underdog.
ANTHONY WEISS
Elan Carr
Brad Schneider Lee Zeldin
Andrew Romanoff Ted Lieu
Tim Bishop
Jewish World
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In New York, eyeing a new Republi-
can Jew in Congress: Lee Zeldin vs.
Tim Bishop
State Sen. Lee Zeldin is adding a new
pitch in his second bid to unseat Demo-
cratic Rep. Tim Bishop in New Yorks 1st
congressional district: Congress needs a
Jewish Republican.
Zeldins religion, and its scarcity
among Republican politicos, is by no
means his main focus. Local bread-and-
butter issues and the economy have
dominated the campaign of this 34-year-
old Iraq War vet, who has served in the
state Senate for four years.
But replacing former Rep. Eric Can-
tor, the former House majority leader,
as the only Republican Jewish lawmaker
in the Congress has been part of Zeldins
outreach both in his eastern Long Island
district and in making his case to donors
nationally.
Zeldin, who met with Cantor after Can-
tor resigned in reaction to his primary
loss in Virginia in June, called the former
majority leader an important voice in
reaching out to the Jewish community
here in the United States to encourage
them to be more open-minded toward
supporting Republican candidates.
Top conservative Jewish figures,
including National Review publisher Bill
Kristol, former George W. Bush spokes-
man Ari Fleischer, and Republican Jew-
ish Coalition executive director Matt
Brooks, have traveled to New York to
help make Zeldins case.
Bishop, who acknowledges facing a
tough challenge from Zeldin, said that
he did not think Zeldins religion would
be a factor in the vote.
My understanding is now that Eric
Cantor has left the Congress, he is telling
others he will fill that void, Bishop said
in an interview. This is not a race about
electing someone Jewish.
Bishop noted that both he and his
opponent have strong pro-Israel voting
records.
One thing we are almost unanimous
on is the importance of a strong U.S.-
Israel relationship and that our posture
towards Israel will be protective, Bishop
said.
This is the fourth time Bishop has
faced a Jewish challenger. He defeated
Zeldin in 2008, and in 2010 and 2012 he
edged Randy Altschuler, an investment
banker.
Bishop says he is a more natural fit for
Jewish voters, who tend to vote Demo-
cratic and hold liberal positions on such
issues as immigration, health care, and
education reform.
On each of those issues, Zeldin and
Bishop stake out opposing views. Bishop
favors a path to citizenship for undocu-
mented migrants; Zeldin says securing
the borders must be a primary priority.
Zeldin wants to dismantle the Affordable
Care Act, known as Obamacare, while
preserving elements like mandating
coverage for people with pre-existing
conditions; Bishop wants to keep it but
tweak it. Zeldin wants to toss out the
federal Common Core standards for
schools; Bishop wants to reform them.
Bishop says he backs continued con-
gressional oversight of any Iran deal.
Zeldin says Congress needs more aggres-
sive oversight of the nuclear talks.
We need to be much stronger and
more consistent with our messaging to
actually stop Irans efforts to obtain a
nuclear weapon, Zeldin said, calling for
increased sanctions.
Dr. Ben Chouake of Englewood, the
president of NORPAC, the pre-eminent
pro-Israel political action committee in
the Northeast, said pro-Israel donors are
not focusing on the Zeldin-Bishop race
because they are not so impressed with
Bishop and Zeldin has been slipping in
the polls.
Its OK to have a good voting record
on our issues if youre from Anchor-
age, but if youre from Long Island,
people expect more of you than a vot-
ing record, Chouake said. They expect
leadership. RON KAMPEAS
In Colorado, tight race in a chang-
ing state: Mike Coffman vs. Andrew
Romanoff
Colorado has spent the past two years
in political upheaval, and perhaps no
district embodies its contradictions bet-
ter than the 6th Congressional District.
The site of the 2012 Aurora movie the-
ater shooting, the 6th wraps around
the east side of Denver, encompassing
upscale suburbs, multiracial working-
class communities, and old-line conser-
vative Colorado natives.
The two candidates Rep. Mike Coff-
man, a 59-year-old Republican, and for-
mer Colorado House Speaker Andrew
Romanoff, a 48-year-old Democrat
embody that split nature perfectly.
Coffman is a Coloradan since child-
hood; a former Marine who has rep-
resented the district since 2008. His
maternal grandfather was an Iraqi Jew
who moved to the French concession
in Shanghai, where his mother grew up
until she met his father, a U.S. soldier
doing demilitarization in the area at the
end of World War II.
Long a conservative, Coffman has
been forced to moderate his rhetoric
since redistricting turned the 6th from
a conservative redoubt into a swing
district.
Coffman has worked to paint the
Washington-born, Ohio-raised Romanoff
as a snooty outsider, sneering in a Sep-
tember debate, You went to a private
prep school, Harvard, Yale. A former
Wexner fellow, Romanoff presents his
career in public service and education
ranging from teaching at the Commu-
nity College of Aurora to working at the
Southern Poverty Law Center to serving
in the statehouse as springing from his
Jewish World
JS-33
JEWISH STANDARD OCTOBER 17, 2014 33
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The Jewish Week
IN PARTNERSHIP WITH
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Jewish upbringing.
I think its shaped who I am in almost
every way, he said. I take seriously the
obligation we call tikkun olam.
Romanoff and Coffman have focused
heavily on domestic issues, particularly
economic. Romanoff has also played up
his refusal to take money from political
action committees, or PACs, as freeing
him from special interests. It certainly
hasnt prevented Romanoff from bring-
ing in the big money; both candidates
had raised well over $3 million by the
end of the second quarter. However, the
Democratic Congressional Campaign
Committee announced recently that it
was cutting off its television advertis-
ing in the district a move that some
analysts took as a sign that Romanoff s
chances might be slipping. Nonetheless,
the result will likely remain in doubt to
the very end.
Its obviously a very close race, said
Seth Masket, an associate professor of
political science at the University of
Denver. Coffman probably maintains a
very slight lead, but both are very strong
candidates.
Masket says Romanoff may be saved,
ironically, by the difficulties of his fellow
Colorado Democrats running for re-elec-
tion as senator and governor. Their close
races have caused the state and national
parties to pour millions into voter turn-
out efforts across the state, which might
mitigate Democratic voters greater
tendency to ignore non-presidential
elections.
That could be a godsend for Romanoff.
Asked what would make the ultimate dif-
ference in the election, Romanoff bluntly
responded, Turnout.
ANTHONY WEISS
In Illinois, whos the favorite in Chi-
cago? Brad Schneider vs. Robert Dold
Brad Schneider and Robert Dold,
locked in a neck-and-neck race for a Chi-
cago-area congressional seat, present a
dilemma for some Jewish voters.
Dold, 45, is a Republican social mod-
erate in the tradition of now-Sen. Mark
Kirk, his predecessor in the 10th Con-
gressional District. Dold, who held the
seat for one two-year term before los-
ing narrowly to Schneider in 2012, rep-
resents what many Jewish community
leaders have said they long to see: a
pro-Israel hawk who strives to keep a
national party that has tilted rightward
since 2010 on a more even keel.
Schneider, the 53-year-old incumbent,
represents a prototypical Jewish candi-
date Democrats want to preserve: a lib-
eral Jewish lawmaker who makes Israel
a central focus and casts it as a natural
issue for Democrats.
Jewish voters are looking for a fiscal
conservative and social moderate, some-
one who can be in the tradition of Mark
Kirk, Dold said in an interview. People
are tired of excuses and they want Wash-
ington to work. I have a track record of
working with the other side.
Schneider, almost echoing Dold,
pitched himself in an interview as a fis-
cally moderate, socially progressive
candidate, and in making his case slips
into the Hebrew he learned on multiple
visits to Israel.
Two things I talk about is tikkun
olam, he said, using the phrase for
repairing the world, and ldor vdor,
from generation to generation. We cant
leave an environment beyond repair.
On issues like the Affordable Care Act
and Israel, the candidates sound similar
notes: Each favors tweaks to Obamacare
but not repeal, and each says he will
stand up to the administration if it gives
too much away in nuclear talks between
Iran and the major powers.
The candidates, digging deep into
their opponents record, score each
other on these issues.
Dold says theres no question that
Schneider is pro-Israel, but chides him
for not speaking out more against the
administration for instance, when
Secretary of State John Kerry warned
earlier this year that Israel one day could
become an apartheid state.
Schneider notes that this year he ini-
tiated a bipartisan letter pressing the
administration to increase Iran sanc-
tions at a time when it was resisting such
calls. He also points out that Dold voted
to repeal Obamacare during his term in
Congress; Dold says he now favors bipar-
tisan fixes for Obamacare.
Jewish officials say Schneider has the
edge in part because, with a background
as an activist with the American Jew-
ish Committee and with the American
Israel Public Affairs Committee, he is so
steeped in the community.
You couldnt ask for a better friend to
Israel, said Marcia Balonick, the direc-
tor of JACPAC, a political action com-
mittee with a focus on Israel, abortion
rights, and church-state separation. In
his former life he was an active member
of the Jewish community, he speaks flu-
ent Hebrew, hes already taken several
missions to Israel.
JACPAC in the past has sought out
moderate Republicans to endorse,
including Kirk, in part to help preserve
that wing of the party. Dold has told the
group that he would resist attempts to
overturn Roe v. Wade, the landmark
Supreme Court ruling enshrining a wom-
ans right to an abortion, but will not
vote for funding for abortions for poor
women, which is a non-starter.
NORPAC, a north Jersey-based leading
pro-Israel political action committee,
endorsed Schneider under the friendly
incumbent rule for pro-Israel givers: Do
not alienate the lawmaker in office.
RON KAMPEAS
JTA WIRE SERVICE
Finance
34 JEWISH STANDARD OCTOBER 17, 2014
JS-34
Robin Rochlin | RobinR@jfnnj.org | 201.820.3970
OF NORTHERN NEW JERSEY
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TRANSFORM LIVES. INCLUDING YOURS.
LAURA SHIN
A
good friend of mine messaged me recently. She
was facing the big 4-0, and, as people are wont
to do around significant ages, she got to think-
ing about some big questions.
Because life and money are inextricably linked whether
we like it or not, her transition into a new decade also
made her wonder how ones financial priorities should
change as the years pass.
Your financial goals should, in fact, shift along with
your situation to serve your biggest needs. Some of your
concerns will be long-term for instance, saving for
retirement takes place across decades but that doesnt
make shorter goals, such as saving for a down payment
on a home, any less challenging. Knowing what financial
milestones to hit will help you ensure that you dont have
to scramble for any of them.
Most people when theyre getting into the workforce or
out of college dont look at their overall financial picture.
Youve got to look long term and short term as well. The
earlier you look at the short-term milestones, the easier
it will be to secure your retirement in your future years,
so getting situated in your 20s makes it easier to plan in
your 40s, 50s and 60s, says Andrew Rafal, partner and
cofounder of Phoenix-based Strategy Financial Group.
Heres a cheat sheet on what financial tasks you should
take on when. Keeping in mind that people hit different
milestones at different times for instance, some marry and
become parents in their 20s and others in their 40s these
money to-dos are tied to life landmarks rather than ages.
New grad, entering the workforce
1. Make a budget.
Know what your income is and learn not to spend more
than that. Thats how youll start to build your wealth.
2. Track your expenses.
Plenty of online aggregators, such as Mint or EMoney,
will hook up to all your financial accounts so you can get
an easy snapshot of where your money is going, how your
investments are doing and other trends in your finances,
like your net worth. That information will help you make
smart choices and reach some of the more challenging
goals. Having the visual of your income and expenses is
the first step to building that retirement plan, says Rafal.
3. Pay down your debt.
If you have credit card debt, that is higher priority than
your student loan debt. Most credit card loans debt will
be three to five times higher in interest than the student
loans, so wed want to focus on paying those down first,
Your financial checklist for every stage of life
and pay the minimum to student debt, says Rafal. Once
you pay off the cards, then you can pay more than the
minimum on your student loans.
4. Start saving for retirement.
If your employer offers a 401(k), 403(b) or similar
retirement account and offers a match, do what is
required to get it. For instance, if you need to contribute
4% of your salary to get that match, be sure to do so. Its
free money from your employer. If you can afford it, also
begin contributing to a Roth IRA. Use this guide to see how
you should set up your financial accounts.
5. Designate beneficiaries on your financial accounts.
When you name a beneficiary on an account, youre
designating who should receive the assets in the event
of your death. This is a basic financial task youll have to
return to, as your life changes. For now, youll probably
want to name your parents or siblings, presuming youre
not married.
6. Start your estate planning.
Get a power of attorney, which designates someone to
act on your behalf in business and legal matters should you
become incapacitated, and a living will, which outlines
in advance what actions youd like taken regarding
your health should you no longer be able to make those
decisions yourself. Also, name a health care proxy, which
is a power of attorney for your health decisions.
7. Get disability insurance.
If your employer doesnt offer it and you can afford it,
this insurance will provide you an income stream should
you become unable to work. Its critical, whether youre
in your 20s, 30s, 40s, 50s or 60s, says Rafal.
Advancing in your career
1. When you switch jobs, be sure to negotiate.
The earlier you start earning more, the more youll
earn over your lifetime, as those increases compound on
each other.
2. Also, take your retirement money with you.
Especially since people nowadays tend to stay at
companies for shorter periods than prior generations,
make sure to take your 401(k) or 403(b) money with you
when you go. You can either roll it over to your account
with your new employer or move it into an IRA you
control at a brokerage firm of your choosing.
3. Start working with a fee-based financial planner with
an eye on retirement.
Find a planner who will work with you for a couple of
hours for a flat fee. He or she can give you a high-level
overview of what you should be focusing on money-wise
and how you can save for the marathon financial goal of
saving for retirement.
They can show you saving a certain amount every
month at a certain rate of return this is how much youll
have in the future. In the 20s or 30s, we dont really think
about the future. We focus on the short-term. But having
someone explain that to you and map it out, thats critical
for success, says Rafal. Find out here the 10 questions you
should ask a potential financial advisor.
Getting married
1. Create (or update) your will, and update your
beneficiaries, power of attorney, health care proxy, etc.
Most people will want to update these to name their
spouse.
2. Look into getting life insurance and re-evaluate other
JS-35
JEWISH STANDARD OCTOBER 17, 2014 35
Lifetime Income for Retirement.
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call AFHU National Executive Director, Beth Asnien McCoy
at (212) 607-8555 or email: bmccoy@afhu.org.
One Battery Park Plaza, 25th Floor, New York, NY 10004
800-567-AFHU (2348)
afhu.org/CGA3
CALL OR EMAIL NOW.
THE RETURNS ARE
GENEROUS. THE CAUSE
IS PRICELESS.
Research engine for the world. Engine of growth for a nation.
The Hebrew University of Jerusalem
Rates are calculated based on a single life. Cash contributions produce annuity payments that are substantially tax-free.
Learn why Ruth
chose her plan.
See a video prole:
afhu.org/cga3
Sample AFHU Hebrew University Gift Annuity Single-Life Rates
67
6.2%
Age
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and pay the minimum to student debt, says Rafal. Once
you pay off the cards, then you can pay more than the
minimum on your student loans.
4. Start saving for retirement.
If your employer offers a 401(k), 403(b) or similar
retirement account and offers a match, do what is
required to get it. For instance, if you need to contribute
4% of your salary to get that match, be sure to do so. Its
free money from your employer. If you can afford it, also
begin contributing to a Roth IRA. Use this guide to see how
you should set up your financial accounts.
5. Designate beneficiaries on your financial accounts.
When you name a beneficiary on an account, youre
designating who should receive the assets in the event
of your death. This is a basic financial task youll have to
return to, as your life changes. For now, youll probably
want to name your parents or siblings, presuming youre
not married.
6. Start your estate planning.
Get a power of attorney, which designates someone to
act on your behalf in business and legal matters should you
become incapacitated, and a living will, which outlines
in advance what actions youd like taken regarding
your health should you no longer be able to make those
decisions yourself. Also, name a health care proxy, which
is a power of attorney for your health decisions.
7. Get disability insurance.
If your employer doesnt offer it and you can afford it,
this insurance will provide you an income stream should
you become unable to work. Its critical, whether youre
in your 20s, 30s, 40s, 50s or 60s, says Rafal.
Advancing in your career
1. When you switch jobs, be sure to negotiate.
The earlier you start earning more, the more youll
earn over your lifetime, as those increases compound on
each other.
2. Also, take your retirement money with you.
Especially since people nowadays tend to stay at
companies for shorter periods than prior generations,
make sure to take your 401(k) or 403(b) money with you
when you go. You can either roll it over to your account
with your new employer or move it into an IRA you
control at a brokerage firm of your choosing.
3. Start working with a fee-based financial planner with
an eye on retirement.
Find a planner who will work with you for a couple of
hours for a flat fee. He or she can give you a high-level
overview of what you should be focusing on money-wise
and how you can save for the marathon financial goal of
saving for retirement.
They can show you saving a certain amount every
month at a certain rate of return this is how much youll
have in the future. In the 20s or 30s, we dont really think
about the future. We focus on the short-term. But having
someone explain that to you and map it out, thats critical
for success, says Rafal. Find out here the 10 questions you
should ask a potential financial advisor.
Getting married
1. Create (or update) your will, and update your
beneficiaries, power of attorney, health care proxy, etc.
Most people will want to update these to name their
spouse.
2. Look into getting life insurance and re-evaluate other
insurance policies.
Some couples will opt to get life insurance right
away and others might wait until they have children.
It depends on your situation and predilection. Some
couples in which each partner earns roughly the
same amount may opt not to, but others in the same
situation might buy life insurance simply to lessen
the blow of the loss of that income during an already
difficult time. With both [people] earning and the fact
that term insurance is cheap, its one of those things
we hope we never need to utilize, but its just part of
that asset protection. If somebody does pass away
early and youre grieving, its just another piece of
covering the what-if scenario, says Rafal.
Look into getting group term insurance, which will
cover you for a period of time, through your employer,
or if you feel you need extra coverage, buy your own
individual term insurance.
Also, if, through marriage, two health insurance
policies become available to you, compare them to
see if it makes the most sense for both of you to be on
one. Re-evaluate if your disability insurance coverage
would be adequate, and add your spouse to your auto
insurance coverage.
Buying a home
1. Buy a house that wont put too much stress on
your assets.
Dont overextend, says Rafal. Work with an
investment advisor and a mortgage broker to make
sure when you purchase that home that youre
comfortable with your income and debts.
2. If youre married and havent bought life
insurance yet, look into it now, and update your
disability insurance.
Now that youre taking on a big debt together, it may
make sense to get life insurance so that if something
happens to one of you, the survivor can still pay the
mortgage. Make sure your disability insurance policy
would cover the cost of your home.
Having children
1. Review your estate plan.
Draw up a will if you havent yet. Work with a
SEE FINANCE PAGE 36
Finance
36 JEWISH STANDARD OCTOBER 17, 2014
JS-36
MEMBER
FDIC
Loans available for 1-4 family, New Jersey owner occupied dwellings. No application fee. An appraisal fee of $300.00 is required for loan amounts in excess of
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licensed attorney to make sure not only
the assets are protected but that youre
protecting against incapacity and that if
anything does happen, your children will go
to the right guardian, says Rafal.
Establish a trust if you have substantial
assets and would want to leave your assets
to your children in a way not immediately
payable to them upon your death.
2. Start saving for their college education.
Open a 529 account for them, and get
in the habit of saving every month with
automatic transfers, but if you have to
choose, make saving for retirement a higher
priority. Your children can always take out
student loans, but there are no loans for
retirement, and if you save for their college
over your retirement, they may end up
having to support you later on.
3. Relay financial lessons to your children.
Instill good habits in your children.
Established in your career
1. Max out your retirement contributions.
At this time, youre probably earning the
most youll earn in your life, so you want
to make sure to save as much as you can in
both your employer-sponsored retirement
account as well as in your own Roth IRA or
traditional IRA.
2. Be proactive in your tax planning.
Meet with a licensed CPA to maximize
your deductions, since this is also the time
when you are likely to be paying the highest
taxes. You may also want to set up a health
savings account, which will allow you to
save on health expenses with pretax money,
while also potentially using that money as an
investment vehicle.
Also analyze your investment choices
according to your tax liabilities. Rafal
suggests taking more risk in your after-tax
accounts such as a Roth IRA or Roth
401(k) where you wont pay any tax on
the earnings of those investments.
3. If you find yourself taking care of
your parents, consider their needs in the
context of all your financial priorities.
Home health care and assisted living
facilities are expensive and those costs
need to be weighed against saving
for your own retirement and your
childrens college educations. Talk
with your siblings to come up with a
solution that takes into account all your
other needs.
4. Consider your own long-term care
plans.
This is also a good milestone to look
at, What can I do, so Im not a burden
on my family? says Rafal. Investigate
traditional long-term care insurance,
which would provide nursing-home
care, home-health care or other types
of personal care for people over 65 who
need supervision.
Because many people find long-term
care insurance expensive and they
are mostly considering buying it right
when they are also facing the financial
challenge of retirement (usually in the
50s), many opt not to buy an expensive
type of insurance that they are not
certain they will use. One new option
that helps alleviate those fears of not
using the insurance is hybrid policies
that offer life insurance with a long-term
care option attached. However, they
require a large upfront investment and
offer meager returns, so they are not for
everyone. For many, they are more of an
estate-planning tool.
5. Begin planning your retirement
income.
Most people work all their lives, they
build assets and accumulate but dont
have a plan on the way down, says
Rafal. To turn from this accumulation
mindset to the decumulation mindset,
talk with your financial planner about
how best to turn your savings your
401(k), IRA, Social Security, pensions,
etc. into income. Consider buying an
annuity, in which you use a chunk of
your retirement savings to buy yourself
a guaranteed source of income for a
certain time period.
Learn how the age at which you take
Social Security will affect the amount
you receive, about required retirement
income distributions, how to pull money
from different retirement accounts
without incurring a big tax bill, etc.
This would be a good time to talk to
a new type of financial planner called a
Retirement Income Certified Professional
(RICP), who specializes in helping people
turn their retirement assets into income.
An RICP can look at important financial
factors such as whether you might outlive
your nest egg considering inflation and
best- and worst-case scenarios when
it comes to your investments, health
expenses and more.
6. If need be, catch up on retirement
contributions.
If youre behind on building your nest
First Commerce Bank reports
continued growth in 2014
First Commerce Banks fifth office opened
in Englewood April 30. Englewood is a
key part of our expansion, said Abraham
S. Opatut, chairman. We invite everyone
to experience personal, responsive com-
munity banking at First Commerce. The
branch has performed extremely well in
the five months since its opening. The
four other branches, located in Allen-
town, Closter, Lakewood, and Teaneck,
continue to out-perform expectations.
President and CEO C. Herbert
Schneider attributes this success to
First Commerce Banks focus on local
communities.
As a community bank, we know
that the areas we serve all have unique
needs, and its important for us to take
an individualized approach to our
branches. Each branch plays an integral
role in the success of the bank, and we
really owe that to how the communities
have welcomed us and responded to our
products and services. Our $50,000,000
to Lend program has been very well
received. Borrowers are amazed at how
quickly loans are approved and closed.
We make it as easy as possible for them.
In addition to their lending program,
First Commerce Bank offers a wide range
of deposit products, from free personal
and business checking to a premium
money market express account.
That success is evident in looking
at the banks growth in the first half of
2014. First Commerce Bank announced
total asset growth of 20.2% for the first
6 months of 2014 to $411.0 million. Net
loans grew 21.4% over year end, totaling
$346.1 million at June 30, 2014. Total
deposits expanded by $68.1 million to
$227.1 million in the same period. Total
capital also grew to $41.6 million in the
first six months of 2014.
In addition to the five branches
currently open, First Commerce Bank
has plans to open additional branches
in Montvale and Freehold in the first
quarter of 2015.
Opened in January 2006 under the
name of Northern State Bank, First
Commerce Bank is an FDIC insured
communi t y bank servi ng Ocean,
Monmouth, and Bergen counties.
Personal service and quick loan decisions
combined with convenient delivery
channels help its clients to grow and
prosper. www.firstcommercebk.com.
Finance
FROM PAGE 35
SEE FINANCE PAGE 37
Finance
JS-37
JEWISH STANDARD OCTOBER 17, 2014 37
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In giving you receive
MATT BERNSTEIN
Over the last several months we were
yet again compelled to witness Israel
at war with neighbors whose true
goal is her total destruction. Once
again we heard pleas of proportional
response from those who dont
understand the realities of the situ-
ation or dont care. And once again
we saw that the people we can truly
rely on to look after Israels well-being
are supporters like you and Jewish
National Fund.
During this difficult time, JNF took
immediate action on the ground in
Israel. JNF donors can be proud that,
through their contributions, JNF was
equipped to act swiftly and decisively.
We stepped forward to lead a vital
relief effort and stand with Israel.
While this emergency galvanized
our community, our work for the
land and people of Israel does not
cease. As a matter of fact it makes our
continuing mission more important
than ever.
Planned giving has been a vital
component of our annual campaign,
contributing millions of dollars
each year. By consulting with our
donors on ways to reduce their
taxes or increase their income we
have demonstrated that by giving to
Jewish National Fund either through
a bequest or one of our income-
producing gift plans, we can solve
some financial planning issues and
support JNF with the resources
needed to respond to emergencies
while keeping our existing projects
funded.
With interest rates still at historic
lows, our Gift Annuity program
is as popular as ever. As many of
our donors know, JNF has one of
the most successful Charitable Gift
Annuity programs in the country.
We believe our success is due to the
fact that we offer very competitive
annuity rates and our donors
enjoy the stability of receiving a
steady income check all with the
knowledge that their annuity gift will
ultimately support Jewish National
Fund projects in Israel.
So how does this work?
A JNF Charitable Gift Annuity is
a simple agreement that offers our
donors a lifetime income in exchange
for their gift. There are valuable tax
advantages such as tax-free income,
an income tax deduction, and the
avoidance of lump sum capital
gains taxes if the donation is made
with long-term appreciated stocks
or mutual funds. Our annuities can
be structured to cover one or two
lives and can be designed to act like
a supplemental retirement plan by
deferring income for a number of
years.
Here is a sampling of the single life
annuity rates we currently offer:
Age 65 5.5%
Age 70 5.8%
Age 75 6.4%
Age 80 7.2%
Age 85 8.1%
Age 90 + 9.5%
Ellen, 72 years old, has a $50,000
bank certificate coming due in the
next month. Her bank has offered her
a renewal of 0.75%. As a JNF donor
she has received regular updates
from our Planned Giving department
about the gift annuity program. A
simple phone call provided her with
the following information:
At her age we can offer her an
annuity with an income of 6.0% vs.
0.75%
Her $50,000 gift would pay annual
income of $3,000 vs. $375
Her gift makes her eligible to claim
a tax deduction of $17,505, saving
her $5,887 in federal income taxes.
$2,290 of the $3,000 income will
be paid to her as tax-free income
over her actuarial life expectancy
of 14.5 years. After 14.5 years all
of the income she receives will be
considered as taxable income.
Her gift will ultimately be used to
fund maintenance and upkeep for
the JNF Sderot Indoor Recreational
Center she visited on her last
Presidents Council Mission.
With the increased income and tax
benefits Ellen can help herself and
support Jewish National Fund at the
same time.
To receive more information
on how a Jewish National Fund
Charitable Gift Annuity might benefit
you, call (800)-562-7526 and speak
with any of our Planned Giving
specialists. We are ready to answer
your questions.
We look forward to hearing from
you.
To get involved with JNF in
Northern New Jersey, contact
Director Jocelyn Inglis at jinglis@jnf.
org or (973) 593-0095 x823.
Matt Bernstein, a certified financial
planner, is chief planned giving officer
for jnf.
First Commerce Bank reports
continued growth in 2014
First Commerce Bank offers a wide range
of deposit products, from free personal
and business checking to a premium
money market express account.
That success is evident in looking
at the banks growth in the first half of
2014. First Commerce Bank announced
total asset growth of 20.2% for the first
6 months of 2014 to $411.0 million. Net
loans grew 21.4% over year end, totaling
$346.1 million at June 30, 2014. Total
deposits expanded by $68.1 million to
$227.1 million in the same period. Total
capital also grew to $41.6 million in the
first six months of 2014.
In addition to the five branches
currently open, First Commerce Bank
has plans to open additional branches
in Montvale and Freehold in the first
quarter of 2015.
Opened in January 2006 under the
name of Northern State Bank, First
Commerce Bank is an FDIC insured
communi t y bank servi ng Ocean,
Monmouth, and Bergen counties.
Personal service and quick loan decisions
combined with convenient delivery
channels help its clients to grow and
prosper. www.firstcommercebk.com.
egg, at age 50, you can start contributing
higher amounts to your 401(k) (an extra
$5,500 annually in 2014) and IRA (an extra
$1,000 in 2014).
Retirement
1. Know your budget.
Even before you retire, know what your
income and expenses will be. With your
planner, review your plan for turning your
assets into steady income in the most tax-
efficient way possible. Also discuss when
the best time is for you to start taking Social
Security. Make sure youre familiar with the
biggest money mistakes retirees make so
you can avoid them.
2. Review your investments.
Look at your risk tolerance to maintain the
nest egg you built and not suffer a big loss at
the beginning of your retirement. Investigate
optimal ways to invest your retirement nest
egg to ensure you dont outlive it.
3. Downsize.
A smaller home could help reduce your
property taxes, utilities and other expenses.
Moving to a new community could also have
social benefits.
4. Look at how to fund potential long-term
care costs.
If you didnt opt to buy a policy before,
look at how you could self-fund, sign up for
a long-term care or hybrid policy now, or
work out a plan with your family.
Survivor
1. Dont make any immediate changes.
Work with a trusted advisor to make sure
your retirement plan is still on track. If there
are life insurance proceeds, invest based on
your current goals.
2. Review your estate plan.
Work with an attorney so if youre
incapacitated, loved ones can step in and
make both medical and financial decisions
for you. Also, make sure the assets can pass
to family in way you intended at this point in
your life, says Rafal.
3. Downsize, and consider moving to a
full retirement community. These types of
homes have a range of activities and can
accommodate independent living as well as
offer some assistance and even full-time care.
FEATUREWELL.COM
Laura Shin contributes to Forbes.com and
SmartPlanet, among other publications. Her
most recent e-book is The Millennial Game
Plan: Career And Money Secrets To Succeed
In Todays World.
Finance
FROM PAGE 36
Healthy Living & Adult Lifestyles
38 JEWISH STANDARD OCTOBER 17, 2014
JS-38
Turning off the aging process
Israeli professors have developed a computer algorithm that predicts which genes
can be turned off to create the same anti-aging effect as calorie restriction
ABIGAIL KLEIN LEICHMAN
S
tudies in yeast, worms, flies, monkeys, and even
humans seem to prove that restricting calories is
one of the few sure ways to combat the effects
of aging. But who really wants to trade satisfying
meals for longevity?
Well, Israeli doctoral student Keren Yizhak is out to
prove that there may be a more agreeable way to achieve
long life than dooming ourselves to perpetual hunger.
Working in the computational biology laboratory of
Prof. Eytan Ruppin at Tel Aviv Universitys Blavatnik
School of Computer Science, Ms. Yizhak and colleagues at
Bar-Ilan University have developed a computer algorithm
that predicts which genes can be turned off to create the
same anti-aging effect as calorie restriction.
Their findings were reported in the journal Nature
Communications, and could someday lead to the
development of new pharmaceuticals to slow or stop the
aging process.
Most algorithms try to find drug targets that kill cells to
treat cancer or bacterial infections, Ms. Yizhak explained.
Our algorithm is the first in our field to look for drug
targets not to kill cells, but to transform them from a
diseased state into a healthy one.
Yeast studies
correlate to people
Her teams algorithm, which she calls a metabolic trans-
formation algorithm, or MTA, can take information about
any two metabolic states and predict the environmental or
genetic changes required to go from one state to the other.
In the study, Ms. Yizhak applied MTA to the genetics of
aging. Yeast is the most widely used genetic model because
its DNA is, surprisingly, similar to human DNA.
After using her custom-designed MTA to confirm previous
laboratory findings, she used it to predict genes that can be
turned off to make the gene expression of old yeast look
like that of young yeast.
Gene expression is the process in which information
from a gene is used to make a product, usually a protein,
inside a cell. Genes can be turned off in various ways to
prevent them from being expressed in the cell.
Some of the genes that the MTA identified were already
known to extend the lifespan of yeast when turned off. Of
the other genes she found, Yizhak sent seven to be tested at
a Bar-Ilan University laboratory. There, researchers Orshay
Gabay and Haim Cohen found that turning off two of the
genes, GRE3 and ADH2, significantly extends the yeasts
lifespan.
You would expect about three percent of yeasts genes to
be lifespan-extending, said Yizhak. So achieving a 10-fold
increase over this expected frequency, as we did, is very
encouraging.
Since MTA provides a systemic view of cell metabolism, it
can also shed light on how the genes it identifies contribute
to changes in genetic expression. In the case of GRE3 and
ADH2, MTA showed that turning off the genes increased
oxidative stress levels in yeast. This mild induced stress may
be similar to the stress produced by calorie restriction.
Next, Yizhak will study whether turning off the genes
predicted by MTA prolongs the lifespan of genetically
engineered mice.
She also theorizes that MTA could be applied to finding
drug targets for conditions and diseases where metabolism
plays a significant role, including obesity, diabetes,
neurodegenerative disorders, and some types of cancer.
ISRAEL21C.ORG
Research holds promise of longer life spans.
Gene study may point way to staying t longer.
Like us on
Facebook
facebook.com/jewishstandard
Healthy Living & Adult Lifestyles
JEWISH STANDARD OCTOBER 17, 2014 39
JS-39
A T-shirt that monitors your heart
Smart-digital hWear shirt has conductive fibers woven in, performing the job of an ECG machine
and transmitting vitals to your doctors smartphone.
ABIGAIL KLEIN LEICHMAN
A
novel el ectrocardi ogram
device built into a shirt could
cut precious time off confirm-
ing that a cardiac event needs
immediate intervention.
The first product in the hWear line of
smart-digital garments by Israels Health-
Watch Technologies created a buzz at
the recent annual meeting of the Amer-
ican Telemedicine Association and is
expected to be marketed as an FDA Class
II medical device by the end of 2014.
The fully washable hWear shirt is inter-
woven with a mixture of high-tech nylon
threads and conducting fibers placed in
the same locations where the 12-15 leads
of an ECG machine would be attached to
the body, explains Dr. Dov Rubin, vice
president for marketing and business
development.
ECG signals collected passively by
the textile sensors are constantly ana-
lyzed for cardiac events such as arrhyth-
mias and ischemia, via medical devices
such as a Holter monitor or a Bluetooth
unit snapped onto the side of the shirt.
An alert to the patients and doctors
smartphone is automatically
generated if any of these are
detected or if the wearer falls
or is immobile for an unusual
amount of time.
The game-changing aspect
is that cardiac patients wont
have to be hooked up to a
machine and covered with
adhesives. Most importantly,
if a patient blacks out or expe-
riences chest pain, all the
medical data showing what
happened just before and just
after has already been trans-
mitted to the doctor.
A cardiologist will never
diagnose a heart attack with-
out seeing a full 12-lead ECG,
Dr. Rubin says. Time is of the
essence. From the moment
you detect chest pain till the
moment they put you on the
table to treat it, every 30-min-
ute delay causes a 7.5 percent
increase in mortality. Thats
a fresh statistic from the New
England Journal of Medicine.
Cockpit technology
Wearable technology usually refers to
strap-on or clip-on fitness monitors such
as Fitbit or Apples new iWatch, or Ita-
mar Medicals EndoPat fingertip vascular
monitor and WatchPat device for diag-
nosing sleep apnea. In fact, Dr. Rubin was
formerly CEO of Itamar. After spending
five years successfully commercializing
its non-invasive technologies, he moved
on to the monitoring device of the future
the smartphone.
On the side of the hWear shirt, snaps
hold the telemetry unit.
I like to say that we restored the
wear into wearables, simply because
we offer a traditional T-shirt, says Dr.
Rubin. All you have to do is wear it. One
or two other companies have come up
with T-shirt concepts that monitor heart
rate and motion, but theyre used for fit-
ness monitoring, not as a medical device.
As far as I know, we are the only ones in
the medical arena.
HealthWatch expects to sell hWear in
several countries through distributors.
Eventually, youll be able to buy the shirt
in the corner pharmacy or subscribe to a
service that will provide the garment and
the monitoring.
The three-year-old bootstrapped com-
pany of eight people half of them tex-
tile experts is based in Kfar Saba and
was founded by former Israel Air Force
Col. Yoram Romem, who previously
cofounded the high-tech parking pay-
ment solution Pango and headed several
international software companies.
Romems experience flying airplanes
led to the creation of HealthWatch, says
Dr. Rubin.
In the cockpit theres a master cau-
tion button that lights up if a subsystem is
failing, to help the pilot focus, Dr. Rubin
explains. He wondered why humans
couldnt have a master caution button to
focus attention on a problem in our own
systems.
The product was developed with the
input of Prof. David Hasdai, director of
the coronary care units at the Rabin Med-
ical Center in Petah Tikva.
Textile sensors are embedded in the shirt.
On the side of the hWear shirt, snaps hold the telemetry unit.
Healthy Living & Adult Lifestyles
40 JEWISH STANDARD OCTOBER 17, 2014
JS-40
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Myriam Langer, M.D. is a skilled
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Female physicians and staff
Focus on smooth, natural birth
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Pre-conception carrier screening
Early morning and evening hours
Fluent in Hebrew and French
For more information visit:
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A T P A L I S A D E S
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A T P A L I S A D E S
A L U X U R Y S E N I O R R E S I D E N C E
A T P A L I S A D E S
A L U X U R Y S E N I O R R E S I D E N C E
Israeli aid on way to fight
Ebola spread
After providing medical supplies and
psychological support, Israel will send
three mobile emergency Ebola treatment
units to high-risk countries.
ABIGAIL KLEIN LEICHMAN
In response to urgent pleas from the
United Nations, the World Health Orga-
nization, the US government and other
countries, Israel is sending more than
a million shekels worth of medical
equipment, as well as expert personnel
to fight the spread of the African Ebola
epidemic that has claimed 3,400 lives
since March and has infected almost
7,200 people.
Gil Haskel, deputy director general
of MASHAV-Israels Agency for Interna-
tional Development Cooperation of the
Foreign Ministry, says that many inter-
national groups including IsraAID, the
Israel Forum for International Humani-
tarian Aid are already working in the
affected countries of West Africa to
treat patients stricken by hemorrhagic
fever caused by the virus.
Earlier this week, Israels Defense
Ministry told the US and UN that it
could not fulfill a request to send IDF
field hospitals to Liberia and Sierra
Leone, out of concern for the safety
of Israeli health workers. MASHAV is
answering a different but just as press-
ing need: prevention.
Our idea was to exercise Israels
experience in emergency prepared-
ness in countries that border on those
already struck with the epidemic, so as
to prevent Ebola from spreading fur-
ther into Africa, Mr. Haskel explains.
We have experience in mobile
clinics and mobile emergency centers,
and thats where we want to lend our
assistance. We decided well be more
effective in preventing further spread.
Within the next two weeks, MASHAV
will ship three mobile emergency Ebola
treatment units, equipped to handle
the first cases that may be discovered,
to the three countries deemed at high-
est risk of infection. Those countries
will be selected in conjunction with the
Ministry of Health, he says.
We are constructing the units in
accordance with WHO standards and
preparing them to be sent out by sea,
Mr. Haskel says. We hope theyll be
received sometime in November.
Each 10-bed unit will be accompa-
nied by an Israeli team including tech-
nicians to construct them and train
local personnel how to run them, and a
doctor and a nurse under the auspices
of the Health Ministry. They will train
their African counterparts to educate
at-risk populations on how to prevent
the spread of the disease.
Every country
has a role to play
Mr. Haskel says MASHAV already
donated protective suits to African
Union troops stationed in Ethiopia, and
sent two public-health and infectious-
disease experts Dr. Roee Singer from
the Ministry of Healths Public Health
Directorate and Dr. Pnina Shitrit from
Meir Hospital in Kfar Saba to train
Dr. Roee Singer of the Health Ministry was welcomed to Cameroon in Sep-
tember to provide preventive training in six hospitals. PHOTO COURTESY OF MASHAV
Healthy Living
JS-41
JEWISH STANDARD OCTOBER 17, 2014 41
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CareOne at Teaneck Programs
For Our Jewish Residents and Families
CareOne is committed to satisfying
the cultural and religious needs
of the residents and families
that we serve. For our Jewish
customers, we are pleased
to offer an array of
programs to enhance
each residents
stay with us.
These programs
include:
Celebration of all Jewish holidays with traditional foods. We are Glatt Kosher
Accommodation for residents preferences in Jewish programs and activities
Under Kosher supervision of RCBC
Full calendar of Jewish services and programs
CareOne provides a greater sensitivity to the needs of the Jewish customers we
serve. We strive to meet the needs of all our residents and guarantee your stay
with us.
Visit our Web site at www.care-one.com and take a virtual tour of our center.
5
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544 Teaneck Road, Teaneck, NJ 07666 201-862-3300
To inquire about
other CareOne locations
near you, visit our website
www.care-one.com
1-877-99-CARE1
RESPITE CARE
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CareOne Locations
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personnel at six Cameroon hospitals on precautions
to keep citizens from contracting the deadly virus.
Poor compliance with health authorities and many
customary practices are thought responsible for the
rapid spread of the virus, so public education is
essential.
The aid agency also plans to send emergency
equipment to the government of Sierra Leone.
With support from MASHAV, IsraAID is cooperat-
ing with other international agencies in Sierra Leone.
In partnership with First Lady Sia Nyama Koroma,
IsraAID teams are training local communities about
steps each person can take to protect against infec-
tion, and about managing the stress caused by wide-
spread fear of the virus and its survivors. IsraAID
personnel used similar anti-stress techniques to help
refugees in Jordan, Bulgaria and South Korea.
Israeli Ambassador to the United Nations Ron
Prosor told a Security Council in September that
just as Israel answered the call for humanitarian
aid in Haiti, Ghana and the Philippines, Israel is
ready for the new challenge standing before the
world, and has started providing funds and medical
equipment.
Mr. Prosor declared, The time for global action
is now. Tens of thousands of lives and the future of
West Africa hang in the balance. Every country, no
matter how small, has a role to play in combating the
Ebola epidemic. We are standing at a crossroad. In
our generation global health and development goals
that once seemed unattainable are now within our
reach.
Prospect Heights Care
Center starts new year
with Jewish food
Michael Cooper, executive chef of Prospect Heights
Care Center, leads his culinary team into a dynamic
culturally diverse food and nutrition program at Pros-
pect Heights.
Mr. Cooper not only listens to his customers; he
creates a feeling of an at-home meal. Rosh Hashanah
reminiscences around the table are only the first stop
on his yearly calendar of Jewish food, which includes
elaborate Passover seders, potato latke cooking
demos, and noodle kugel nosh.
This is the greatest job in the world, says Mr. Coo-
per, noting how it allows him to combine his culinary
talents, kosher cuisine experience, and flair for the
exceptional.
Last year, for one patient and their family Mr. Coo-
per created a perfect seder in the guest dining area,
providig a meal that addressed all Passover dietary
restrictions along with vegan and gluten-free options.
Where else can you learn so much from all cul-
tures? says Mr. Cooper. I enjoy listening to personal
experiences of our customers. We sit down and cre-
ate a food program that is right from both a dietary
need and personal preferences. Although we are not a
kosher facility, we purchase packaged kosher foods as
well as offering families the option to bring in kosher
foods from home, which we will re-heat and present
to them upon request. What a connection to be able
to have with people who come here to get well and go
back into the community a healthier, more balanced
person.
It is truly a gift to be part of this rehabilitation cen-
ter, he said.
Healthy Living
42 JEWISH STANDARD OCTOBER 17, 2014
JS-42
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