You also want an ePaper? Increase the reach of your titles
YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.
annual appeal<br />
Carolyn & William Nosanchuk<br />
Rebecca & Nat Pernick<br />
Patti & Rick Phillips<br />
Rachel & Jack Pludwinski<br />
Norma & Nelson Pont<br />
Marilyn & Herbert Racklin<br />
Nanci Rands<br />
Sally & Donald Reinicke<br />
Pamela & Paul Renusch<br />
Frayda & Donald Riger<br />
Maria & Edward Risov<br />
Judy & Scott Roberts & Family<br />
Shelley & Jeffrey Roberts<br />
Mitzi & Dale Robinson<br />
Sidney Rose<br />
Raymond Rosenfeld & Janelle<br />
McCammon<br />
Sandra & Glen Rosin<br />
Collette & Bernard Rosner<br />
Marge & Bill Sandy<br />
Susan Saraquse<br />
Betty & Jerry Schare<br />
Suzanne Schatz<br />
Vera Schey<br />
Cynthia & Bud Schiller<br />
Carole & Martin Schock<br />
Ann & Herman Schonberg<br />
Joan & Arthur Schott<br />
Carol Schwartz<br />
Sydell & Douglas Schubot<br />
Florence Brown Schuman<br />
Shirley & Jerry Shagrin<br />
Llillian Shaye<br />
Julie & Michael Sher<br />
Marci & Jay Shienbaum<br />
Bella & Lev Shleypak<br />
Dr.& Mrs. Sheldon Siegel<br />
Geri & Richard Sills<br />
Cynthia & Harlan Simmons<br />
Evelyn & Fred Simon<br />
Shirley Sklar<br />
Jane Smitt<br />
Janice Sobel<br />
Margaret & Walter Stark<br />
Bertha Stearn<br />
Cindy & Bruce Stein<br />
Ailene Steinborn<br />
Frank Stella<br />
Jessie & Dr. Sheldon Stern<br />
Sydney & Norman Stern<br />
Sheryl & David Stoddard<br />
Renee S.Stone<br />
Sara & Greg Tatchio<br />
Carol & Steven Tarnowsky<br />
Roberta & Sheldon Toll<br />
Lee Turner<br />
Dorothy & Robert Vernan<br />
Barbara & Joel Waldbott<br />
Lauren & David Weinberg<br />
Anne & L. Steven Weiner<br />
Mary & Jeff Weinger<br />
Shelly & Morrey Weinner<br />
Lois Weintraub<br />
Deloris Weinstein-Hall<br />
Regina & Bill Weiss<br />
Hyla Williams<br />
Stephanie & Robert Wineman<br />
Katherine & Fred Yaffe<br />
Shari & Sheldon Yarsike<br />
Chuck Zamek<br />
Carol & Michael Ziecik<br />
Audrey Zupmore<br />
Marc Zupmore<br />
*Donors as of October 14, 2009<br />
ONE MORE BITE OF THE APPLE: USE YOUR IRA<br />
TO MAKE A DIFFERENCE<br />
by Miriam Imerman, Chair of Long Range Planning<br />
Members and friends of <strong>Temple</strong> age 70-1/2 and older who would like a very simple way to<br />
support their favorite TBE program or the general <strong>Temple</strong> endowment have until December 31<br />
of this year to take advantage of a great opportunity. The Emergency Economic Stabilization Act<br />
of 2008 includes a renewal of the IRA rollover provisions that were first passed in 2006, and which<br />
became very popular with charitable taxpayers and the organizations they supported. The IRA<br />
rollover can be used to make a tax-free transfer of up to $100,000 directly from a traditional or<br />
Roth IRA to a qualified charitable organization such as <strong>Temple</strong> <strong>Beth</strong> <strong>El</strong>. For most donors, using<br />
the direct rollover will be much better than taking a withdrawal from an IRA, paying taxes on the<br />
funds, and then making a donation. Here are some of the benefits of using the IRA rollover:<br />
• If you don’t normally itemize your deductions, you can use the IRA rollover and get<br />
the equivalent of a charitable deduction for your gift in addition to your standard<br />
deduction.<br />
• If you do itemize, but are close to the “ceiling” for deduction of charitable gifts (the<br />
30% and 50% rules), you can make the IRA rollover, and avoid the ceiling, because the<br />
rollover will act like a full charitable deduction for your gift.<br />
• Because the charitable IRA rollover amount is never recognized as income to the taxpayer,<br />
you may be able to avoid tax deduction reductions based on income levels (that is, the<br />
7.5% floor on medical deductions, the 2% floor on miscellaneous itemized deductions,<br />
etc.).<br />
• The charitable IRA rollover may reduce the amount of your social security payments that<br />
are subject to tax.<br />
• It is easy to do. Just contact your plan administrator, who should have a short form for<br />
you to complete and return, directing him/her to transfer the amount you select (up to<br />
$100,000) directly to <strong>Temple</strong> <strong>Beth</strong> <strong>El</strong>. No muss, no fuss.<br />
• Of course, only those individuals who are sure they will not need the funds at a later date<br />
should consider the IRA rollover.<br />
Please be aware that while every effort has been made in this article to provide accurate<br />
information, it does not purport to offer legal or financial advice, and <strong>Temple</strong> friends are strongly<br />
advised to seek competent professional counsel to handle any issues or questions that may arise.<br />
“We Make<br />
A Living By<br />
What We Get,<br />
But We<br />
Make A Life<br />
By What<br />
We Give.”<br />
8
Change language