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March 28, 2003     Heritage Florida Jewish News
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March 28, 2003

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HE RITAGE FLORIDA JEWISH NEWS, MARCH 28, 2003 PAGE 7 ff 1 ;t S, y. 5. By Elaine Silver Small miracles sometimes happen. At Hebrew Day School of Central Florida the children gathered for their regular Weekly Torah services. It was MOnday, March 17, the day President Bush gave Saddam 8USsein his 48 hour ultima- tum to leave Iraq Dr. Zena Sulkes, head of school, an- ticipated President Bush s Speech when she engaged each of the elementary school classes in a discus- sion of war. One first grader asked the ultimate question, "Why do we have war?" Sulkes had no answer for that question, but she did have three points to emphasize with the children. The first is that, ' k'e're safe." The children don't need to worry about themselves and their families. However, it's okay to worry about other people, including the United States soldiers. Sulkes pointed out to the chil- dren that all the soldiers are members of families; they are someone's children, parents, siblings and friends. She shared her metaphor for worry with the third and fourth grade children, "It's like a rocking chair," she said, "it gives you something to do but gets you nowhere." Suikes defined war for the kindergarten and first grade children as what happens when, instead of using words, countries use things that hurt people to solve problems. She emphasized that sometimes innocent people get hurt in war. Beth Schafer, director of music at HDS, who leads ser- vices filled with beautiful mu- sic at the school, had this to say to the children, "Being in the Hebrew Day School, you can use your faith to help you feel safe, close together and strong." As for the miracles seeing children reach out to kiss the Torah, sing and pray for peace, surely must count as miracles. Give and you shall receive at Foundation T' Land"rich-and "cash" poor. nat describes many forty to fifty Year-olds in a nutshell. While they actually live quite i!. mfortably on their profes- onal incomes, they are get- tng closer to retirement age and are looking for ways to sUPPlement the income they expect from their employers' retirement plans. . By far the largest asset many ~t ple own might be real es- e. For example, assume a COUple inherits from one of their parents an old orange grove. The property is located tn a prime new development area that has made the ~Operty's value skyrocket over e past few years. However, e land provides no current Income. TevWhat can the couple do? hey could sell the land to a eloper now or at retirement and invest the proceeds in in- ,me producing investments. ither way, they would lose a Urbstantial portion of the P Opert's ca" Y appreciation to Pltal gains tax. The tax rate ~neapital gains held longer one year is generally 20 Percent (10 percent for per- SOns otherwise in a 15 percent tax bracket). A better strategy might be to establish a charitable re- n ainder t st (CRT) through ~:hmPa Orlando Pinellas Jew- n FOUndation, Inc. The ~Uple Would transfer the land an irrevocable trust created Provide lifetime payments. the death of the surviving sPOUse, the trust property WOuld be transferred through the FOUndation to the couple's favorite charitable organiza- tion. With a CRT, the trustee can sell trust property and rein- vest the proceeds without hav- ing to pay any immediate tax on the gain. Thus, more money would be invested toward the couple's retirement than if they had sold the land and invested the proceeds them- selves. They also may be able to claim a current income-tax charitable deduction for the value of the trust property, which the charity will eventu- ally receive (within tax-law limits). The couple could in- vest their tax savings outside of the CRT to produce addi- tional income. A CRT can be structured either as an annuity trust or as a unitrust. The type of CRT chosen determines how pay- ments from the trust are cal- culated. A charitable remain- der annuity trust (CRAT) will provide annual payments of a set percentage of the trust's initial fair market value. The percentage must be at least 5 percent and cannot exceed 50 percent. A charitable remainder unitrust (CRUT) would pay annual income based on the fair market value of the trust property, revalued each year. Again, the percentage must be at least 5 percent and cannot exceed 50 percent. If the trust investments perform well, the income will increase. Some people prefer to use a CRUT because it can provide a hedge against inflation. CRUTs also can accept additional gifts but CRATs cannot. Rather than selling your real estate, gift it to Tampa Orlando Pinellas Jewish Foundation, Inc. creating a chari- table remainder trust (CRT) providing fixed lifetime pay- ments to you and your spouse and a compelling tax deduction. When the trust is terminated, the remaining assets can create a charitable fund at the Foundation benefiting your favorite charitable organization(s). A CRT can be used to help 501(c)(3) organization that accomplish numerous finan- has pooled hundreds of pri- cial-planningobjectives.How- rate donor contributions for ever, complex legal require- investment prbviding sti'ong ments must be met to secure earnings available for distri- many of the benefits a CRT bution. Through donor-des- offers. You'll want to consult ignited grants, the Founda- withyour professionaladvisor tion contributes to both Jew- before deciding to use a CRT ish and non-Jewish charities in your financial planning, for a broad range of social, TOP Jewish Foundation is a cultural and educational ini- partnership of three Jewish tiatives. communities - Tampa, Or- One phone call is all it takes landoandPinellas-whosegoal to learn more about ways to is to provide permanent re- increase cash flow, decrease sources through the develop- current income tax burdens ment of charitable funds to and gain the satisfaction of improve the quality of life in strengtheningthecommunity the local communities, Israel through its charities. Call Or- and throughout the world, lando Foundation Director Established in 1980, the Damon J. Bradley at 407-277- Foundation is a 509(a)(3) and 5413 to learn more. yo~r m the parade of the o.u, nger students dressed in h ~tUme to the oarodies on ,~lrl~ by the-staff and de',nick Middle School Stu- n.".ts, last Tuesday, the day of urtrn Was celebrated in fun qlKl cheer SChool at the Hebrew Day w~nj .yed by all was "The . ~arcl of Oz (Sushan)" or The Hamantaschen Without Any Filling." Written and pro- Hebrew, however, they added defend themselves against duced by the students ofOren some English for the purpose any evil. It's a new twist on Linder and Marsha Seifan's oftheproduction.Asthewell- an old story. eighth grade Hebrew class, known characters, Dorothy, Thestaffportrayedaschool this funny and satirical play Toto, Scarecrow, TinManand with an evil administrator on Purim took the classic Lion travel through Oz (Haman) who wanted to get "Wizard of Oz" play and ere- (Shushan)theyencounterthe rid of all honor students. Of atively incorporated Purim evil Haman, a hamantaschen course, evil was conquered characters and Purim cus- tree and a hamantaschenand honor students abound toms into the story, without any jelly, at the school just as they as at The original script was Dorothy and her friendsthe Hebrew Day School and written by the students all in use the Purim gragger to Selznick Middle School. ' - llingailalumni theJew. ternoon working on arts and ~h COmmunity Center An- crafts projects or participat- Hansen l landell Sum- ing in gymnastics. r~r ~aY Camp is hosting a Camp will Summer run from through August ~',~.a~ and open house for June 9 6fr pers, onSunday, April 1 and is open to children 18 th 2:15 p.m. to 4 p.m. in months of age and. older. In l~L~,gY~mnasium at the addition to traditional camp , .~'ldcampus. programs the J offers Per- . P staff and counselors ~ilt he- forming and Creative Arts ,l .s n-hand to meet with Camp, Sports & Gymnastics ti S and answer any ques- Camp, BasketballCamp, Ten- While kids catch upwith nis & Golf Camp, Counselor ends and spend the af- In Training programs, Teen Travel Camp, Volunteer arts & crafts, music, fieidtrips Corps, Camp Masada for chil- and overnights, nature lore dren with special needs, and and much, much more. Lunch special camps for is available daily for a nominal preschoolers. The JCC sum- fee and transportation may be mer camp offers flexible available from certain areas. camping activities from one Campers who register and week programs to summer pay in full on April 6 will re- long packages with extended ceive an additional $50 dis- care hours available daily count. from 7 a.m. - 6 p.m. For morecampinformation Activities at the JCC sum- log met day camp include: daily or call Sylvia Pasnak at 407- instructional and free swim, 645-5933, ext. 259. Central Florida Synagogue Service Schedule and Directory Celebration Jewish Congregation (Rec), Navigator School, 607 Celebration Avenue, Celebration, 407-596-5397, 7 p.m. first and third Fridays each month. Congregation Abavas Yisrael/Chabad (O), 708 Lake Howell Rd Maitland, 407-644-2500; Services: Sunday, 8 a.m Mon-Fri, 7 a.m Fri 6:30 p.m Sat. 9:30 a.m. Family Service 4th Friday of the month. Congregation Bet Chaim (R), 1033 Semoran Blvd Suite 151, Casselberry, 407-830-7211; Shabbat service, 8 p.m. Congregation Beth Am (C), 3899 Sand Lake Road, Longwood, 407-862- 3505; Shabbat service, 8:15 p.m.; Saturday: 10 a.m Junior Cong 10:45 a.m. Congregation Beth El (C), 2185 Meadowlane Ave West Melbourne, 321- 779-0740; Services, 8 p.m. 1st & 3rd Fridays; 9:30 a.m. 2nd & 4th Saturdays. Congregation Beth Faneth (R), 1016 Yorkshire Ridge Ct Orlando, 407-855- 0772; Services once a month, 8 p.m. Congregation Beth Shalom (C), 315 North 13th St Leesburg, 352-315-0770 Congregation B'nai Torah (C), 445 S. Nova Rd Ormond Beach, 32174, 386-672-1174; Services Friday, 8 p.m.; Saturday, 10 a.m. Congregation Chabad (O), 1301 S. Patrick Dr. #62, Satellite Beach, 32i-777. 2770. Congregation Chabad Lubavitcb of Greater Daytona (O), 1079 W. Granada Blvd Ormond Beach, 386-672-9300; Shabbat services Fri. 7:30 p.m:, Sat. 10 a.m. Congregation of Liberal Judaism (R), 928 Malone Dr Orlando, 407-645- 0444; Shabbat service, 8 p.m.; except I st Friday, Family services begin 7 p.m. Saturday: 10 a.m. Congregation Match Chaim (R), P.O. Box 060847, Palm Bay, 32906, 321- 768-6722. Congregation Ohev Shalom (C), 5015 Goddard Ave Orlando, 407-298- 4650; Shabbat service, 8:15 p.m.; Saturday: 9 a.m.; Junior Cong 10:15 a.m. Congregation Shalom Aleichem (R), 3501 Oak Pointe Blvd Kissimmee, 407-935-0064; Shabbat service, 8 p.m 1st and 3rd Fridays of the month. Congregation Shalom, Williamsburg(R), P.O. Box 691081, Orlando, 32869: Friday night services once a month at 7:30 p.m. at the Rosen Centre, 9840 International Drive, Orlando. 407-238-7943. Southwest Orlando Jewish Congregation/Ohalei Rivka (C), 11200 S. Apopka-Vineland Rd Orlando, 407-239-5444; Shabbat service, 7:30 p.m.; Saturday: 9:30 a.m. Temple Beth El (R), 579 N. Nova Rd Ormond Beach, 386-677-2484. Temple Beth Shalom (R), P.O. Box 0313, Winter Haven, 813-324-2882. Temple Beth Shalom (C), 40 Wellington Drive, Palm Coast, 386-445-3006; Shabbat service, 8 p.m.; Saturday 9 a.m. Temple Beth Sholom (C), 5995 N. Wickham Rd. Melbourne, 321-25416333. Temple B'nai Darom (R), 49 Banyan Course, Ocala, 352-624-0380; Friday Services 8 p.m. Temple Israel (C), 407-647-3055; Shabbat service; 6:15 p.m.; Saturday: 9:30 a.m. Temple lsrad (R), 7350 Lake Andrew Drive, Melbourne, 321-631-9494. Temple Israel (C), 1400 S. Peninsula Ave Daytona Beach, 904-252-3097; Shabbat service, 8 p.m.; Saturday: 9 a.m. Temple Israel (C), 1001 E. New York Ave DeLand, 386-736-1646; Shabbat service, 7:30 p.m. Temple Shalom of Deltona (R/C), 1785 Elkcam Blvd Deltona, 904-789- 2202; Shabbat service, 10 a.m. Saturday. Temple Shir Shalom of Oviedo (R); Shabbat service, 7:30 p.m. 1st Friday of the month at Carrillon Elementary School, 320 Lockwood Blvd Oviedo. Friday night service held at 7:30 p.m. 3rd Friday of the month in the Commu- nity Roo at The Tremont Apartment Residences, 7015 Red Bug Lake Rd Oviedo. Call 407-977-5172 for information. (Check with individual synagogues for the dates and times of services if not listed) (R) Reform (C) Conservative (O) Orthodox (Rec) Reconstructionist 3557 Lake Emma Road Lake Ma~, FL 32746 Tel: 407.833.8960 Fax: 407.833.8924 CERTIFIED David and Shelly Sokol - Owners Join your Florida friends at OF CENTRAL FLORIDA Register Now For Our 33rd Summer For Boys & Girls 6-15 A magnificent 100 acre Air Conditioned camp in the hills near Ocala National Forest. Beautiful, Sandy Beach with Spring Lake, swimming pool, boating, fishing, canoeing, Wave Runner, and water skiing. On land, new confidence ropes course, all sports, roller- blading, tennis, archery, riflery, crafts, and drama. BOX 160306, Miami, FL 33116 Phone 800-279-0401 Judaic Program