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November 26, 2010     Heritage Florida Jewish News
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November 26, 2010

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PAGE 8A HERITAGE FLORIDA JEWISH NEWS, NOVEMBER 26, 2010 Temple Israel Sisterhood shop and schmooze Shown in Glick's Kosher Market are, from left: Miriam Cohen, Shirley Gold, Phyllis Kamenoff and Rose Savage. Members ofTernple Israel shop anl schmooze. After Sisterhood tookabus trip spending a good portion Nov. 14 to South Florida to of the day at Festival Flea Edie Fensterwas warmly greeted by 'Les" at Glick's Kosher Market in Delray Beach. Market in Pompano Beach, Beach and didn't hesitate they ended up'at Glick's to fill the coolers they had Kosher Market in Delray broughtwith them on the Boarding the bus and heading home are, from left: Miriam Cohen, Sarabecca Rosier, Phyllis Kamenoff, Helen Hosid, Edie Fenster and Julia Fineberg. bus. Sisterhood at Templ e Florida For moreinforma- Israel says it is one of the tion, visit www.tiflorida. most active chapters in org. JPM hears tips for navigating the sandwich generation Fifteen men enjoyed their sandwiches while discussing the sandwich generation at the first JPM  (Jewish Professional Men's Meeting) sponsored by the Jewish Pa- vilion. Board member, Mark Abramson organized the group and Scott Freeman, Ph. D. candidate in counseling led the discussion. The event was held in the law offices of Allen, Norton and Blue where Mark Levitt is a partner. The group plans to meet quarterly and delve into the issues that affect men with aging parents. "While most Jewish Pavil- ion events are open to both sexes, women tend to attend the majority of the events alone," Abramson said. "This group is strictly for men. The Pavilion seeks to bring the Jewish community to Our elders in long-term care and ensure that they are not forgotten." An increasing number of people in their 50s and 60s are finding themselves caught in the sandwich generation, a financial and emotional squeeze. If you are strug- gling to cope simultaneously with the costs of caring for By Dori Gerber Jewish Academy of Orlando What do you get when you mix an enthusiastic and athletic bunch of kids with a motivating and committed coach? You get a slam-dunk sports program. Which is ex- actly what Jewish Academy of Orlando has. Once perceived as a school with a less than stellar sports program, such is no longer the case. Math and science teacher Sean Bowmer, who spear- heads the school's sports " program, has taken it to a new level. Bowmer has developed seasonal sports teams, which consist of soccer for the fall, basketball for the winter and lacrosse for the spring. During the fall soccer season, Bowrner and his assis- tants coached 25 co-ed players from fourth through eighth grades. The basketball season is currently under way and because of the huge interest of 31 co-ed players, Bowrner has had to make two teams, an elementary and a middle school level. aging parents while you help your children pay for college or launch careers--while funding your own retire- ment--you're in the sandwich generation. The demographic trends that combine to create this new sandwich generation are relatively new. The sandwich generation was caused in part because life spans today are much longer than in years past, and an increasing num- ber of retirees or near-retirees have aging parents who re- quire costly nursing home or in-home care. At the same- time, many of these same people have children who are still in college or who may re- turn home once or twice after college or between jobs in an effort to get on their feet.Thus, the sandwich generation was named. Increasing life spans increase the sandwich genera- tion size. According to the Journal of Financial Service Profes- sionals, at the beginning of the 20th century between 4 percent and 7 percent of people in their 60s had at least one parent still living. Today, that figure is nearly 50 percent. And leople in their 60s who end UP caring for an aging parent often feel they are getting a preview of what they may experience emotionally, physically and financially as they age--and at a time when they are con- fronting their own mortality more keenly than ever before. But that's only half the story. As recently as 1990, only 25 percent of young adults between the ages of 18 and 24 lived with their parents. By 2000, the number had grown to 52%--and it's still rising, putting more older adults into the sandwich generation-- caring for aging parents and adult children. Advice for the sandwich generation If you're already in your 60s, or nearly, and feeling the financial squeeze of the sandwich generation, there are still a few things you can do to lower your stress level and increase your peace of mind. You might consider working a little longer, trimming your expenses and urging your kids to explore every option for col- lege financial aidDespecially merit grants or scholarships that neither of you will have to repay after they graduate. If you're in your 40s or 50s, chances are you have more time to plan and make preparations before you find yourself caught in the sand- wich generation. Regardless of your age, however, here are a few steps you can take that may help you manage the needs of your aging parents and adult children without getting squeezed by sandwich generation problems: Preserve your assets-- Don't be a sandwich generation martyr by using your retire- ment savings to pay for your children's college education or your parents' long-term care. Your kids can take out student loans if necessary, and you should use your parents' own assets to finance their care for as long as possible. Plan Ahead--Keep the sandwich generation trend in mind when you're projecting what kind of income you'll need in retirement. Be sure to consider the poss!bility that you'll end up in the sandwich generation--one or more of your kids may need to come back home for awhile, raising your monthly costs or maybe delaying your plan to move to a smaller home. And if you have one or more parents still living, count on joining the sandwich generation as your parents may also need your financial help. Assess the situation before sandwich generation. problems arise---As early as possible, consider sandwich generation issues. Talk with your parents about their as- sets, how they want to live as they age, what kind of health care and lifesaving measures they do or don't want, and who should make legal and medi- cal decisions for them if they are no longer able to handle their own affairs. This may be a difficult and uncomfortable conversation for you andyour parents, but answering these questions while there is still time to plan ahead can help you both avoid a lot of sand- wich generation problems. Get InsuranceSand- wich generation members need to plan for the future. Look into the viability of long- term care insurance for your parents and yourself. Whether it is right for you depends on several factors, including the cost of the coverage, how long you might need it and what kind of benefits you want. If you or your parents eventu- ally require nursing home care, however, long-term, care insurance could help offset those asset-draining costs. Put yourself firstBe- cause you're both a consci- entious parent and a dutiful child, you may be tempted to put your own needs after those of your aging parents and adult children if you find yourself in a sandwich genera- tion scenario. Don't. The only person who can, save for your retirement is you. To avoid many sandwich generation problems--arid help your parents and your children--you first have to keep your own financial house in order. Finally, don't forget that being part of the sandwich generation and caring for others can be hard on your physical and emotional health as well as your financial well- being. Resources for people coping with aging issues are available on the Jewish Pavilion website. Visit www. Teamwork at Jewish Academy of Orlando Jake Woodfruff,, Max Reis and Aaron Soll get a few car washing pointers from their coach, Sean Bowmer. Middle schoolers Marianna Carbunaru and Riley Beim lend support to their school's sports program by holding signs to generate customers for the car wash. Kindergartner Noa Gordon lends a hand to team players Rachel Reis and Jacob Cohen while they wash a car at the recent basketball team car wash. Bowmer says he is thrilled with the interest and growth of the school's sports pro- gram. "My favorite part of coaching young athletes is teaching them teamwork and how to be a contributor to the greater good of something," he says. "Of course, the ben- efits of living a healthy lifestyle and having fun at the same time are equally wonderful." Lacrosse is a new sport for Jewish Academy, but one that is taking off at schools around the area. Bowmer aid the school wanted to add lacrosse to its lineup because it can interact with other schools in the surrounding counties and increase the school's level of competitiveness. Bowmer says he has two goals for his teams. One is a short-term goal, which is to enjoy sports and learn the benefits of working together as a team. The other is a long-term goal, in which he can facilitate building a strong sports program at Jewish Academy with a solid record of success. It seems that Bowmer is accomplishing his ficst goal already. In mid-November, his basketball team held a carwash to raise funds for uniforms. Since the event was held on a Sunday, Bowmer was expecting few participants. However, he was pleasantly surprised when about 20 players, along with siblings and other stu- dents not even on the team, showed up to help. With all of those hands washing cars, they raised over $400, just enough for those new uniforms. "It was gratifying to see that my students, espe- cially those not even on the basketball team, took an interest and were proactive in pursuing the opportunity to help out their school's team," said Bowmer.