The Lord’s Place and GL Homes are celebrating their 10th anniversary in partnership. Since 2014, GL Homes has donated more than $900,000 to The Lord’s Place. Their most notable project together is the Meal Mobile, a transformative vehicle that delivers meals and drives its wrap-around services directly to the most vulnerable individuals living on the streets.
GL Homes has been the presenting sponsor of The Lord’s Place Annual Ending Homelessness Breakfast since 2019. The local home builder is also the presenting sponsor of The Lord’s Place inaugural March next month.
In addition to GL Homes being part of the solution in addressing homelessness through The Lord’s Place, the corporation also supports Gulfstream Goodwill and has built affordable housing in The Pines (Delray Beach) for those doing farm work in the Glades.
“GL Homes is excited and honored to be recognized with The Lord’s Place inaugural M.A.R.C.H. award! Our commitment to ending homelessness in Palm Beach County is unwavering. It is through our collective advocacy, compassion, and commitment that we will break the cycle of homelessness,” stated GL Homes President Misha Ezratti.
Homelessness is a serious social and economic issue impacting all levels of our society. The Lord’s Place recognizes that all people deserve respect and a place to call home. The inaugural March to End Homelessness is part of The Lord’s Place’s effort to spread community and national awareness; raise the much-needed funds to provide the resources, programs, and services needed; and recognize those who are partnering in helping to break the cycle of homelessness.
The significance of the event is to educate participants and change the lives of those who are homeless. By marching through West Palm Beach, The Lord’s Place wants to raise awareness of the estimated 3,000 men, women, and children without a home on any given night in Palm Beach County. In the United States, many Americans are forced to choose between basic necessities like purchasing food, paying rent, or going to the doctor. The fact is more than 770,000 Americans are homeless on a typical night.
Since 1979, The Lord’s Place has been finding solutions and providing services to take more people off the streets and into homes. All are invited to join this profound movement advocating for those who are homeless and raising crucial funds to support them.
“Carry your sign high and show that you believe everyone deserves a roof over their head. Homelessness is often unseen or pushed aside, but let this be a day to stand strong and march to break the cycle of homelessness for our most vulnerable neighbors living in Palm Beach County,” commented Stanley.
The 5K march is open to everyone in the community. Participants can choose to march beginning at The Lord’s Place Fortin Family Campus (2808 North Australian Ave.) at 2 p.m., join at any point along the route, or come for the program at the final destination in downtown West Palm Beach. Individuals, corporations, business and community leaders, schools, and groups will gather at Lake Pavilion for the celebratory event that will take place from 4 to 6 p.m.
Participants can help raise money for this event by creating a team and challenging their friends and co-
Lenwood, client of the Lord’s Place, with Robbie Yancy, peer advocate of The Lord’s Place
Individuals experiencing homelessness receiving hot meals from the Meal Mobile at its feeding site in Belle Glade (photo by Downtown Photo)
workers to help end homelessness. The goal is to have 200 people march and attend the program and to raise a minimum of $350,000. Funds raised will be matched by The Honorable Ann Brown.
“As we march forward, we speak for those who cannot and lift up those who have lost their way. Our path to raise
awareness about the men and women living on the streets is only possible with the support of our friends, neighbors, and other generous corporate partners. Please join us as we give voice to the most vulnerable and neglected in Palm Beach County,” encouraged Alsofrom. Visit TheLordsPlace.org/march for more information.
Lenwood, client of The Lord’s Place, in his new apartment
Comparing Yourself to Others
By Rabbi Dovid Vigler
It’s really important to visualize your dreams. If you don’t know where you’re going, then how on Earth can you get there?
Vision-boarding is an emerging trend in which people paste a collage of images and words representing their wishes or goals, intended to inspire or motivate them to fulfill their dreams. Yet this is nothing new, since Jews have been blessing their children for over 3547 years, to emulate two brothers from the recent Torah portion. Jacob (Genesis 48:20) blessed his two grandchildren,
From the rabbi
Menashe and Efraim, that they should be the role models for Jewish children until the era of Moshiach. Hence I, like countless Jews across the world, bless my children each Friday night: “May you be like Ephraim and Menashe.”
It’s unclear though, why these two siblings were chosen by Jacob to be the models for all Jewry. Why not far more illustrious pairs like Moses and Aharon, King David and Jonathan, or even Abraham, Isaac, and Jacob? After all, we know precious little about Menashe and Efraim and how they lived their lives in Egypt as the sons of Joseph. All we know about these two is that when their Zeidy Jacob prepared to bless them, he switched his hands, placing his dominant right hand over the younger brother, Efraim, and the recessive left hand over the head of the elder, Menashe.
I discovered a fascinating insight from one of the great hasidic masters of Galicia, Rabbi Tzvi Elimelech Schapiro of Dinov (1783-1841), known for his famous work the “Bnei Yissasschar.” He explains that all sibling
relationships in the book of Genesis were catastrophic, except for Menashe and Efraim:
When G-d favored Abel over the older Cain, Cain murdered Abel. Ishmael and Isaac were sons of Abraham, yet Ishmael tried to kill Isaac, to the point that Ishmael needed to be evicted from his home. Jacob stole the blessings of his brother Esau, resulting in Esau’s plan to murder Jacob for many years. Joseph was hated by his brothers, who tried to kill him. Ultimately, they chose to sell him into slavery instead. But when it came to Menashe and Efraim, we find no such dysfunction. When Jacob chooses to give the dominant blessing to the younger Efraim, we find no fallout nor hard feelings from the older Menashe, who was clearly slighted. It’s a breath of fresh air to see these two live in harmony with each other, celebrating each other’s success instead of resenting it.
In Yiddish, there is a word for not resenting the success of another — to fargin. It’s been said that you shouldn’t share your problems with others because 80 percent don’t care, and the other 20 percent are glad you have them! To be able to fargin someone else’s success is to be able to truly be happy in their joy and to celebrate their successes. Not many people are capable of this feat.
This is why Menashe and Efraim are the role models for all future generations. They understood that what they didn’t have, they simply didn’t need. What didn’t belong to them was not part of their mission. It was clear to each of them that having what the other one had wasn’t going to make him happier.
Bill Gates cautioned: “Don’t compare yourself with anyone else in this world. If you do so, you are insulting yourself.” Don’t compare yourself to others — you have no idea what their journey is all about — your journey is unique and your path to success will be different to someone else’s. Jewish mysticism teaches us that before our souls descended to this world, we understood our mission and we chose which family we’d be born into. We were then given exactly the tools — talents, skills, and smarts — that we’d need to succeed on that mission. What I have is what I need and what I don’t have I simply don’t need! Focus only on what G-d has given you — as the necessary tools for your mission.
This is quite possibly the secret to happiness: comparison is the thief of joy. I can’t do someone else’s job and he can’t do mine. Losing sight of this leads to endless aggravation, squandering precious energy on something you cannot reach or have, in addition to neglecting your own mission. The key to success is to stay in your lane as you always remember that you are on a divine mission — granted only the tools that you need to succeed in your particular assignment. It would be useless to gift a cobbler with the tools of a blacksmith.
The Previous Chabad Rebbe — Rabbi Yosef Y. Schneerson — used the following true story that happened in the days of the Alter Rebbe to illustrate how each person has a unique mission in life, and they must recognize it to avoid fulfilling someone else’s.
One Friday afternoon, a wealthy businessman and his wagon driver returned home from a long trip just before Shabbos. The businessman, eager to prepare for the day, went to the bathhouse and donned his Shabbos clothes, heading straight to the synagogue.
On his way, he encountered a wagon stuck in the mud. Following the commandment to help others, he immediately tried to assist, but being that he wasn’t skilled in this art he quickly got covered in mud and injured himself. He arrived at shul dirty and limping.
Meanwhile, the wagon driver, who had also bathed, arrived early at the shul and began inviting guests for the Shabbos meal. He invited ten strangers, ensuring no one was left without a place. When the time came to distribute guests among the hosts, the wealthy businessman had no one to invite, while the poor driver had a full table.
Years later, after both men passed away, the Heavenly court decided that they needed to return to Earth to rectify their missed opportunities. The former wagon driver was sent to fulfill the mitzvah of helping others, which he had overlooked, while the businessman was tasked with perfecting the mitzvah of hosting guests, which he had missed.
You are only a poor person if you are not happy with what you have. You can be happy with what you have and still work for what you want. If you can do what you do best and be happy, then you’re further ahead in life than most people. Winners focus on winning; losers focus on winners.
The grass isn’t greener on the other side — it’s greener where you water it. And if it looks greener, it’s probably artificial turf.
Rabbi Dovid Vigler is the spiritual leader at Chabad of Palm Beach Gardens and host of the Jewish Schmooze Radio Show. Email him at rabbi@jewishgardens.com.
the eight days of Hanukkah. The program, which is produced through Federation’s Kohl Jewish Volunteer Center, featured an array of service projects to address critical needs, from feeding families to supporting survivors of domestic abuse. Highlights include:
• Thanksgiving food drive: Community members donated nearly 200 turkeys, hundreds of pounds of non-perishable food, and grocery gift cards to Place of Hope and the Soup Kitchen of Boynton Beach, ensuring a holiday meal for locals in need. This effort was supported by J-Teen at the Mandel JCC.
• Thanksgiving family mitzvah project: More than 150 volunteers packed 200 bags of Thanksgiving food and donated more than $600 in gift cards to help 200 local families enjoy a holiday dinner. This initiative was made possible through partnerships with Temple Israel, Temple Beth El, and PJ Library.
• Support for victims of domestic violence: More than 70 hygiene bags and essential items, including bed sheets, baby bottles, and diapers, were donated to Aid to Victims of Domestic Violence (AVDA). This effort was supported by Federation’s Jewish Women’s Foundation, The One School at Temple Beth Am, and Torah Tots Early Learning Center at Temple Torat Emet.
• Hanukkah meal packing and delivery: Nearly 250 volunteers prepared, packed, and delivered over 1,000 healthy, festive meals to homebound seniors and individuals facing illness or crisis. This project was conducted in partnership with The Kind Kitchen of Palm Beach.
• GR8 Hanukkah Gift Wrap: Over 40 volunteers wrapped nearly 400 donated gifts and essentials for families in need during the Hanukkah season. This initiative was in partnership with Alpert Jewish Family Service.
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themed books and workbooks.
The backpacks, along with handwritten holiday cards, were distributed to children at a Title I elementary school in Boynton Beach. This initiative was supported by the Brooke Jackman Foundation.
• Beach cleanup: Volunteers of all ages collected hundreds of pieces of garbage, including plastic caps, wrappers, and straws, from Ocean Reef Park in Riviera Beach. This effort was conducted in partnership with the Beach Bucket Foundation.
“The success of 8 Days, 8 Ways demonstrates the true power of community and how much even small acts can make a big difference and create a powerful ripple effect of kindness,” said Amy Gordon, Director, Kohl Jewish Volunteer Center. “We are grateful to our volunteers of all ages as well as our community partners who are leading so many critical initiatives throughout the year.”
Honoring 10 Wounded IDF Soldiers
Chabad of Palm Beach Gardens recently honored 10 wounded IDF soldiers in person at the shul. The young men, all in their 20s, were brought to Chabad in collaboration with Belev Echad, a New York-based nonprofit founded and operated by Rabbi Uriel and Shevy Vigler, brother of Rabbi Dovid Vigler.
Rabbi Dovid Vigler introduced one of the wounded soldiers, who spoke about how he managed to survive the October 7 massacre. At the end of his speech, he pulled up his pants leg and showed the crowd that he was wearing a prosthetic limb, the same kind that are donated to wounded soldiers by Belev Echad. A second soldier shared his story of being a driver of an armored vehicle on October 7.
Local Happenings on page 7
During the dinner, many of the shul members shared their thoughts, wishes, and short stories with the soldiers, making the dinner a truly intimate, heart-to-heart experience. A spontaneous appeal raised funds to buy half a dozen emotional support dogs and a few prosthetic limbs for wounded soldiers.
Survivors Celebrate
Festivities at JFS
With the number of Holocaust survivors dwindling every year, Alpert JFS regularly hosts gatherings designed to both celebrate the survivors and offer them a space to spend joyful and meaningful time socializing together.
The Eat and Schmooze events bring together local Palm Beach County-based Holocaust survivors to gather, enjoy lunch, sometimes dance, and celebrate holidays in a safe place.
Cultural Council Announces Newly Renamed Gayle and Paul Gross Gallery
According to Eva Weiss, Lead Holocaust Care Manager at Alpert Jewish Family Service, “It’s really important to have social gatherings for our Holocaust survivors. The main purpose of our program is to provide support, homecare, and assistance to allow people to stay in their own homes as long as possible, and we are going to continue to do that as long as we have a grant and survivors among us. Just as important in my mind, however, is the socialization and to provide our survivors a home, a place where they belong and feel welcome. While we do not talk about the Holocaust at these social gatherings, every single person here knows that the individual next to them has suffered trauma and lived through unspeakable experiences as well.”
The Cultural Council for Palm Beach County has announced a new name for its Solo Gallery in downtown Lake Worth Beach: the Gayle and Paul Gross Gallery, named in honor of supporters Gayle and Paul Gross.
Gayle and Paul, who live in West Palm Beach, were present at a recent ceremony unveiling the new name and celebrating their support of the Cultural Council.
“We are so grateful to Gayle and Paul Gross for their wonderful support of the Cultural Council for Palm Beach County,” said Dave Lawrence, president and CEO of the Cultural Council. “Gayle and Paul’s commitment to the Cultural Council’s work of championing and showcasing the work of Palm Beach County-based professional artists through our gallery space is monumental.”
Headquartered at the historic Robert M. Montgomery Jr. building, the Cultural Council is home to three galleries, including the Gayle and Paul Gross Gallery.
The purpose of the Gayle and Paul Gross Gallery is to provide Palm Beach County-based emerging, mid-career, or professional visual artists with an opportunity for a solo exhibition (typically a full series of their work or a sampling of work representative of their career evolution). Six exhibitions per season are chosen annually through a non-paid, competitive selection process vetted by a committee of visual arts professionals. The artists with exhibitions in the gallery this season are Aldo Cherres, Debra Robert, Judy Horowitz, Quimetta Perle, Luciana Boaventura, and Andrea Sarcos.
Gayle is an engaged patron of the arts and an active volunteer at the Norton Museum of Art, where the couple have a named endowment and gallery. Both Gayle and Paul have served on the board of directors of the Norton, and Gayle served on the board of the National Academy of Design in New York City.
Paul served as chair of the board of directors of the Mandel JCC of the Palm Beaches for five years and was instrumental in fundraising to bring the dream of a JCC in Palm Beach Gardens to reality. Together, they formed the Gayle and Paul Gross Family Foundation in 1981, which focuses on arts and humanities and Holocaust studies.
been following Thor’s story and felt a pull to reach out. Experienced with large dogs and with a spacious acre of land and a pool — a dream for Thor, who loves to swim — they were eager to meet him.
When we visited Marcia and Michael’s home, it was clear: This was the one. Jerry had the chance to meet them and see the wonderful environment Thor would call home. The bond was instant, and Jerry left for Australia with peace of mind, knowing his beloved companion was in loving hands.
The Pet Cottage Secures Grant for Veterinary Expenses
Today, Thor lives happily with Marcia and Michael, enjoying his new home and their expansive backyard. Jerry stays in touch through WhatsApp, sharing updates and photos, and The Pet Cottage remains committed to supporting Thor and his Forever Guardians for the rest of his life.
At The Pet Cottage, we witness love in its purest forms every day. Whether it’s the selfless act of rehoming a beloved pet or the joy of welcoming a new furry friend into your heart, love truly is all around us.
If you’d like to learn more, donate, or become a Forever Guardian, visit www.thepetcottage.org. Together, we can create a world where pets and people truly belong.
This February, we celebrate the love that makes miracles happen — the love that brought Thor to Marcia and Michael, giving Jerry peace of mind during a difficult time. Thank you to everyone who supports our mission and helps us create these beautiful stories of love and connection.
care is one of our most pressing expenses, and this funding allows us to provide necessary medical services without compromise.”
Psychiatrist Joins Jewish Family Service
Board-certified psychiatrist Dr. Kristi Wragg has joined Ferd & Gladys Alpert Jewish Family Service. In her role, she will focus on supporting Alpert JFS’s adult patient population.
Dr. Kristi Wragg
Dr. Wragg’s journey to psychiatry began during her time as a clinical social worker in the psychiatric emergency department at Rutgers University. Inspired to deepen her impact, she pursued a medical degree at Central Michigan University. During her residency, she served as chief resident in the Sandra & Leon Levine Psychiatry Residency Program at Atrium Health in Charlotte, NC. Dr. Wragg’s excellence was recognized with the inaugural Outstanding Resident of the Year award and the Resident Teacher of the Year honor from UNC-Chapel Hill medical students.
The Pet Cottage recently received a generous $15,000 grant from the Knopf Family Foundation dedicated to covering veterinary expenses for pets in their Forever Guardianship program. This vital funding ensures that pets that have lost their human due to death, disability, or deployment will continue to receive the care they deserve while living with their dedicated Forever Guardians. “This grant represents a significant milestone for our organization,” said Wendy Derhak, Founder/Executive Director of The Pet Cottage. “It reaffirms our mission to provide lifetime care and support for pets in need, and it directly impacts their health and well-being. Veterinary
The Forever Guardianship program is a cornerstone of The Pet Cottage’s mission. By pairing pets with loving Forever Guardians, the program ensures each animal finds a stable, nurturing home. This grant will be utilized to cover essential veterinary needs, including routine check-ups, vaccinations, surgeries, and chronic condition management.
Since its founding, The Pet Cottage has worked tirelessly to support the emotional and physical needs of both pets and their human guardians. With this funding, they can expand their reach and continue to uphold the quality of care that defines the organization.
“This grant enables us to give our pets the healthiest lives possible while easing the financial burden on their Forever Guardians,” Derhak added. “We are deeply grateful to the Knopf Family Foundation for believing in our mission and investing in the futures of these beloved animals.”
The Pet Cottage invites the community to join in celebrating this incredible opportunity and to learn more about how they can support the organization. Together, we can make a lasting impact on the lives of pets and their humans.
Specializing in mood disorders, psychosis, and trauma, Dr. Wragg is particularly passionate about working with survivors of domestic violence. She brings expertise in advanced treatments, including electroconvulsive therapy, transcranial magnetic stimulation, and esketamine. A dedicated lifelong learner, she stays at the forefront of emerging medications and therapies. Dr. Wragg also values the transformative potential of psychotherapy to optimize brain function and completed training as a fellow in the Pearsall Fellowship Program at the Carolina Psychoanalytic Institute.
Palm Beach Dramaworks Annual Gala Celebrates 25 Years of Professional Theatre Excellence
In an ever-changing city, Palm Beach Dramaworks (PBD) has been one of the few constants, providing award-winning professional theatre in West Palm Beach for 25 years. Since its founding in 2000, PBD has consistently delivered acclaimed productions of classic, contemporary, and world-premiere plays that enlighten, entertain, and stir the imagination, what the company refers to as “Theatre to Think About.” PBD also provides exceptional educational opportunities for students, appealing community engagement programs, and the Perlberg Festival of New Plays which, as the title suggests, is an incubator for the plays of tomorrow.
A quarter of a century of sustained excellence, of enriching the cultural landscape of South Florida, deserves
Wendy Derhak and Angel
painted, one-ofa-kind artworks.
Guests will enjoy signature hors d’oeuvres and refreshments while mingling with artists and fellow collectors.
Battle of the Brushes (March 8, 9 a.m. to 2 p.m.)
This lively finale is the last day to purchase festival paintings and features a live painting competition where top artists go head-to-head in a timed relay-style painting event at LAC.
Why Attend?
The Plein Air Festival offers an unparalleled opportunity to witness art in action, connect with acclaimed artists, and bring home a piece of original artwork. Whether you’re an art collector, a casual observer, or someone seeking creative inspiration, this event has something for everyone.
For a full schedule of events, visit lighthousearts.org/ pleinair-2025 and follow real-time updates on Instagram @lighthouseartcenter. LAC Gallery is located at 373 Tequesta Drive, Tequesta, FL 33469. Admission to the gallery is free for members, with a $5 suggested donation for nonmembers.
JFS Offers Mental Health First Aid Training Directly to the Community
Ferd & Gladys Alpert Jewish Family Service recently launched Mental Health First Aid (MHFA) community classes. These monthly sessions, open to the public, aim to equip adults with essential skills for recognizing and addressing potential mental health challenges. Mental Health First Aid is a proactive public education program that teaches participants how to identify the signs and symptoms of mental health concerns, provide nonjudgmental support and reassurance, and connect individuals with professional resources and services for further assistance.
“Mental Health First Aid teaches you how to identify, understand, and respond to the signs of mental health –something I believe all of us can benefit from,” said Courtney Marx, Director of MHFA at Alpert JFS. “These community classes are designed to make MHFA accessible to anyone and everyone. If you are a colleague, a friend, a parent, or someone who works or interacts with others, the skills learned in these courses are invaluable.”
Previously only offered as group classes for private companies, groups, or organizations, the new initiative offers these trainings to individuals in the community at large.
The two-day class will be held at Ferd & Gladys Alpert Jewish Family Service’s West Palm Beach headquarters on March 24 and 25, from 9 a.m. to 12 p.m.
The training is free and includes options for MHFA for Adults or MHFA for Youth, which focuses on recognizing and addressing mental health challenges in children. Attendees must be 18 or older and participate in the two-day consecutive sessions of the course to receive certification. Advance registration is required and space is limited. To sign up or learn more about Community Classes, contact Courtney Marx at 561.713.1851, cmarx@alpertjfs.org, or visit www.AlpertJFS.org/MHFA.
WORLD CLASS HEART CARE REDEFINING
Alpert JFS CEO Marc Hopin emphasized the organization’s dedication to mental health education. “I am proud to say that Alpert JFS is the hub for Mental Health First Aid training in Palm Beach County,” said Hopin. “Our goal is to ensure everyone in Palm Beach County has at least one MHFA-certified person in their close circle of friends, family, and peers. With the addition of the community classes, I know we are getting closer to our goal every day.”
Alpert JFS introduced MHFA in Palm Beach County in 2014 and has successfully trained various businesses and organizations, including the City of West Palm Beach, Bethesda Nursing School, Keiser University, Jet Blue, The Breakers, Palm Beach County Bar Association, Palm Beach County Sherriff’s Office, and the Boys & Girls Clubs of Palm Beach County, among others. To date, Alpert JFS has trained over 14,500 people via a Mental Health Coalition composed of dozens of certified instructors.
Benzaiten Center for Creative Arts
A 10-Year Odyssey: The Origin Story
The long journey started with just a dream. After seeing so many artists shipping their artwork out of the area to get it cast, I decided it was time to create a fine art fabrication closer to home. In my case I only had a three-hour commute to Sarasota, but other artists sent their clay pieces as far away
When it comes to hearts at Cleveland Clinic, you can’t miss a beat. You seek the best care possible, work with the brightest minds, and leave no stone unturned to get to the heart of the matter. Because understanding is always the first step to overcoming. For every heart in the world. See how we’re advancing the future of heart care at Cleveland Clinic in Broward and Palm Beach counties.
Visit ClevelandClinicFlorida.org/Heart to learn more.
Local Happenings on page 12
Kari Ganoung Ruiz painting at the 11th Annual Plein Air Festival, 2024
Kari Ganoung Ruiz - Golden Morning
Courtney Marx
One of Shelley Muzylowski’s works on display now in the Benzaiten’s Gallery
Menorah Lightings all Around Town
The mitzvah of Chanukah is to publicize the miracle. Chabad of Palm Beach Gardens endeavored to bring this message to as many Jews as possible. Chanukah isn’t just history — it’s a reminder that the light will always outshine the darkness!
One year ago when Chabad of PBG tried to light the menorah at Avenir, they were told by one of the managers at the site that “there would never be a menorah in Avenir.” But this year, on the first night of Chanukah, the giant Menorah was lit at the Avenir clubhouse in front of a crowd of 100 residents.
The event featured holiday music, inspirational messages from Rabbi Dovid and Chana Vigler, and children’s activities from Rabbi Yisroel and Raizy Uzvolk. After the menorah was lit, participants enjoyed latkes and doughnuts.
On the second night of Chanukah, Chabad of PBG held four menorah lighting events at La Posada, BallenIsles Country Club, and two events at Mirasol Country Club. The BallenIsles lighting reached 400 Jews and the Mirasol lightings reached 900 Jews, the shul’s largest public menorah lightings to date.
Each event featured festive holiday music and inspirational messaging to accompany the lighting. Participants were gifted with Jewish community calendars as well as menorahs and candles, and special dreidel glasses that make you see dreidels everywhere, putting everyone into the Chanukah frame of mind!
Jacob Marks
Jacob Marks became a Bar Mitzvah on February 1, 2025. Jacob is a seventh grader at Independence Middle School. He loves any sort of competition, but most of all sports. Jacob’s favorite sport is football, and he is an avid Miami Dolphins and Florida Gators fan. He plays flag football annually for the Jupiter/Tequesta Athletic Association and Palm Beach Gardens Athletic Association leagues. In between football seasons, he plays basketball, and has recently sparked an interest in running, having completed his first 5K last year. Jacob enjoys spending time with friends, playing video games, and cruising with his family. He cherishes his time with his big sister and big brother as well.
Evan Silverman
Evan is a seventh grader at The Weiss School. He has a passion for all things science and engineering. He enjoys golf, fishing, creating things on his 3D printer, and gaming with his friends. Evan loves to travel and visit unique and interesting museums. He also enjoys spending time during the summer in the Berkshires with his grandparents. Evan has an impressive sense of humor, most importantly, a kind heart. In the spirit of giving and to honor his Bar Mitzvah, Evan is creating and donating 3D-printed fidget toys for the patients and guests at the Quantum House.
Send us your simchas! The Jewish Voice welcomes announcements of life-cycle events in the local Jewish community. The copy deadline is the 15th of the month. Send text and images to bernstein.wendy@gmail.com.
aLL about Kids
CKids Chanukah Party
Chabad of Palm Beach Gardens Hebrew School recently hosted a pre-Chanukah party for children of all ages. After singing the morning prayers in their groups,
The CTeen group enjoyed a morning of menorah-making and CteenU, Torah study for
At Mom, Dad & Me, little ones enjoyed interactive Jewish song and play with other babies and parents in the community.
Young Families Shabbos Dinner
Young families from the Chabad of Palm Beach Gardens community and Hebrew School got together for the fourth Young Families First Fridays Shabbos dinner of the season. The evening started at 5 with Shabbos services, then families gathered for a fun-filled Shabbos dinner with Greekstyle food in correspondence with the holiday of Chanukah.
The highlight was a magic show by Magic Rich. With prizes, games, good conversation, and songs, the meal was an uplifting and enjoyable experience for kids and parents alike. After a hearty singing of Grace after Meals, the families stepped outside for donut decorating and dessert.
With perfect weather and great energy, parents enjoyed socializing near the children as they played on the shul’s new playground and under the floodlights on the soccer field.
community caLendar
Men’s Club: Comedy Show
Chabad of Palm Beach Gardens
6100 PGA Blvd., Palm Beach Gardens
624.2223, www.jewishgardens.com
Morning Services
Sundays, 9 a.m.
Monday to Friday, 7:30 a.m.
Evening Services
Monday to Thursday, 5 p.m.
Sundays
10 a.m., Hebrew School
Mondays
8:30 a.m., Worldwide Wisdom
Tuesdays
8:30 a.m., Worldwide Wisdom
11 a.m., Hebrew Literature
1 p.m., Ladies’ Mahjongg & Cards
6 p.m., CTeen
Wednesdays
8:30 a.m., Worldwide Wisdom
12:30 p.m., Yiddish Club
1:45 p.m., Ladies’ Torah Study
5:30 p.m., JewQ
Thursdays
8:30 a.m., Worldwide Wisdom
Fridays
8:30 a.m., Jewish Values Video
5:30 p.m., Friday Night Services w. Beer & Biltong Shabbos
9:30 a.m., Shabbos Service
11:15 a.m.. Children’s Program
11:30 a.m., Rabbi Vigler’s Weekly Sermon
12:15 p.m., Community Kiddush Luncheon
February
Champagne Brunch
Monday, February 17 at 11:30 a.m.
Women Unite for Israel
Join a fabulous group of women as we celebrate the Jewish Woman! Together, we salute and show gratitude to female voices who have shown strength and hope in support of the Jewish people, at this elegant annual affair.
Men’s Club The Barshtender
Wednesday, February 19 at 5 p.m.
Meet the Cocktail Mixologist: Learn the inner workings of the Alcohol Industry and What Makes Alcohol Kosher as well as how to make and mix your own cocktails at home. RSVP at JewishGardens.com/MensClub Women’s Tehillim Group
Shabbos, February 22 after Kiddush Luncheon
The power of women’s prayer is legendary in our tradition, particularly when they recite the Psalms of King David on the last Shabbos of the Jewish Month.
Ladies’ Leadership Convention
Sunday, February 23
Join our Shul’s Rebbetzins at this gathering of international magnitude, with nearly 6,000 global Chabad emissaries. Reconnect, recharge, and refocus as you fill your heart with Jewish pride and hope for a brilliant Jewish future. Reserve your spot early to avoid disappointment, as this conference sells out every year.
Bereavement Group
Wednesday, February 26 at 3:15 p.m.
Sadly, death is a part of life that we cannot ignore. As a community, we are grateful to have each other for support during difficult times. Led by experienced psychotherapist Dr. Sandi Reiken together with Rabbi Dovid Vigler, our bereavement group is a safe and intimate setting to share your story with other like-minded individuals or just to listen and observe if that is more comfortable for you.
CTeen Shabbaton NYC
Friday, February 28 – March 2
Infusing a Lifetime of Jewish Pride in our Teens
This unforgettable weekend unites thousands of Jewish teens from Chabad centers across the globe to collectively experience an uplifting Shabbos at Chabad HQ, NYC’s top attractions and CTeen’s spectacular Jewish pride concert in Times Square.
March
JLI – Decoding the Talmud
Tuesday, March 4, and 11 at 4 p.m.
Inside the Book that Defines Judaism
Enter the intricate world of the Talmud: the monumental classic that has defined Jewish learning for centuries. Discover the Talmud, its history, authors, and significance— and experience it for yourself as you learn the key terms, logical principles, and historical context required to decode every part of the Talmudic page.
Wednesday, March 5 at 5 p.m.
Relax and socialize with other Jewish men in the community.
LiLi: Sip & Paint
Thursday, March 6 at 7 p.m.
Women Unite for Israel in solidarity and prayer. Sit back at this lovely paint and sip evening filled with creativity, wine, laughter, and camaraderie, as we paint together in a relaxed, enjoyable atmosphere.
First Fridays
Friday, March 7 at 5:30 p.m.
Monthly Young Families Shabbos Dinner
Join our growing community of young Jewish families with traditional songs, great food and exciting Shabbos games engaging young and old.
RSVP Essential: JewishGardens.com/rsvp or 561.624.2223
Yona Krinsky’s Bar Mitzvah
The Cantor’s Son
Shabbos, March 8
A Shabbos of joy and celebration marking the Bar Mitzvah of our Cantor’s son Yona. Yona is a kind, charismatic and capable young man who we’ve all enjoyed watching grow up. Come celebrate this major milestone!
Bereavement Group
Wednesday, March 12 and 26 at 3:15 p.m.
Sadly, death is a part of life that we cannot ignore. As a community, we are grateful to have each other for support during difficult times.
Megillah and Masquerade
The Holiday of Purim
Thursday, March 13
Sadly, death is a part of life that we cannot ignore. As a community, we are grateful to have each other for support during difficult times.
Friday Night LIVE—Purim Dinner
Masquerade: Wedding Attire
Shabbos, March 14
Indulge in a royal dinner with the Shabbos Queen at this spectacular, one-of-a-kind Purim Celebration. Megillah, fancy dress, dinner, a royally great time!
Annual Gala Dinner
An Elegant Evening of Jewish Pride
Thursday, March 20
This elegant evening is a time to celebrate all that has been and all that is yet to come at Chabad of Palm Beach Gardens! As a community we have grown in so many ways. Our gala is a tribute to all the wonderful people that make Chabad of Palm Beach Gardens what it is!
Young Families’ Mesibas Shabbos
Shabbos, March 22
Ladies’ Lunch & Learn—Transcendence
Thursday, March 27 at 12 p.m.
If G-d is infinite, how can we relate to Him? Exploring
the transcendence hardwired into the Jewish prayers provides intense insights into our bond with G-d and invites us to venture beyond our own reality.
CKids International Shabbaton CT
Uniting Jewish Families
Friday March 28 – Sunday March 30
At this global convention in Connecticut, hundreds of Jewish children unite to experience an unforgettable Shabbos culminating with the electrifying JewQ Championship Game Show and Award Ceremony.
Women’s Tehillim Group
Shabbos, March 29 after Kiddush Luncheon
The power of women’s prayer is legendary in our tradition, particularly when they recite the Psalms of King David on the last Shabbos of the Jewish Month.
Daily Minyan Services , Monday to Thursday ~ 6:30 p.m. & Sunday ~ 9 a.m. via Zoom.
Shabbat Services , Services are offered in-person and virtually. Please visit our website for more information. Wednesday, February 12, 10 a.m., Yoga L’Chaim, RSVP required, $22/class 11 a.m., Wellness Series with MorseLife Hospice 7 p.m., Mahjongg, $5 per person, RSVP required Thursday, February 13, 10 a.m., Challah Bake $10 per person. Space is limited, Registration is required. 7 p.m., Adult Education Series: Sephardic Jewry Friday, February 14, 6:30 p.m., Shabbat Minyan via Zoom
Saturday, February 15, 9:15 a.m., Shabbat Services & Sisterhood Shabbat
Tuesday, February 18, 12:30 to 3:30 p.m., Canasta
All levels welcome.
Thursday, February 20, 10 a.m., Sisterhood Book Club
7 p.m., Adult Education Series: Sephardic Jewry Friday, February 21, 5:30 p.m., Shabbat Services inperson or via Livestream
Saturday, February 22, 9:15 a.m., Shabbat Services Monday, February 24, 10 a.m., Melton Adult Education with Rabbi Debra Eisenman
The Star and the Crescent: A History of Jewish/Muslim Relations 10-week course; registration and payment required Tuesday, February 25, 1:30 p.m. Sisterhood Chai Tea Thursday, February 27, 7 p.m., Melton Adult Education with Rabbi Debra Eisenman via Zoom
A History of Hatred: The Ever-Present Threat of Antisemitism 6-week course; registration and payment required
Friday, February 28, 2025
Community Calendar from page 16
7 p.m., Challah Bake $10 per person. Space is Limited, Registration is required.
Friday, February 28, 5:30 p.m., Catered Shabbat Dinner, Payment and Registration required.
6:30 p.m., Shabbat Services and Installation of Rabbi Danielle Bensimhon, in-person or via Livestream
Saturday, March 1, 9:15 a.m., Shabbat Services
Sunday, March 2, 10:30 a.m., Wellness Series with Dr. Elaine Rotenberg, Ph.D, from JFS
Monday, March 3, 10 a.m., Melton Adult Education with Rabbi Debra Eisenman
The Star and the Crescent: A History of Jewish/Muslim Relations; 10-week course; registration and payment required.
Tuesday, March 4, 12:30 to 3:30 p.m., Canasta All levels welcome.
Thursday, March 6, 7 p.m., Melton Adult Education with Rabbi Debra Eisenman via Zoom
A History of Hatred: The Ever-Present Threat of Antisemitism 6-week course; registration and payment required.
7 p.m., Yiddush Film Festival Movie Night
Friday, March 7, 6:30 p.m., Shabbat Minyan via Zoom
Saturday, March 8, 9:15 a.m., Shabbat Services
Monday, March 10, 10 a.m., Melton Adult Education with Rabbi Debra Eisenman
The Star and the Crescent: A History of Jewish/Muslim Relations; 10-week course; registration and payment required.
Tuesday, March 11, 12:30 to 3:30 p.m., Canasta All levels welcome.
Wednesday, March 12, 7 p.m., Mahjongg, $5 per person, RSVP required
Thursday, March 13, 6:30 p.m., Megillah Reading, Purim Shpiel and Dance Party
7 p.m., Melton Adult Education with Rabbi Debra Eisenman via Zoom
A History of Hatred: The Ever-Present Threat of Antisemitism 6-week course; registration and payment required.
Friday, March 14, 6:30 p.m., Shabbat Minyan via Zoom
Saturday, March 15, 9:15 a.m., Shabbat Services
Monday, March 17, 10 a.m., Melton Adult Education with Rabbi Debra Eisenman
The Star and the Crescent: A History of Jewish/Muslim Relations; 10-week course; registration and payment required.
You may spend many decades contributing to your IRA and 401(k), but eventually you will likely need to take the money out — in fact, you must take the money out or face penalties. What should you know about these mandatory withdrawals?
Here are some of the basics:
• What are they called? Mandatory withdrawals are technically called required minimum distributions, or RMDs.
• When must I take RMDs? If you were born before 1951, you’ve probably already begun taking RMDs. If you were born between 1951 and 1959, your RMD age is 73. And if you were born in 1960 or later, your RMD age is 75. You can postpone accepting your first RMD until April 1 of the year after you reach your RMD age, but this will result in two RMDs for the year. After you take your first RMD, you must take subsequent ones by December 31 of each year.
• What penalties will be assessed if I don’t take all my RMDs? For every dollar not withdrawn, the IRS will charge a 25 percent penalty, but this can drop to 10 percent if you subsequently withdraw the correct amount within two years.
• Which accounts have RMDs? RMDs apply to traditional IRAs, as well as other types of IRAs, including SIMPLE and SEP IRAs. RMDs don’t apply to Roth IRAs. RMDs also apply to traditional 401(k)s, but not Roth 401(k)s.
• Can I withdraw more than the RMD for any given year? Yes, you are free to take out as much as you want. However, if you take out more than the RMD for one year, you can’t apply the excess to the RMD for the next year.
• How are RMDs calculated? Typically, your RMDs are determined by dividing your account balance from the prior December 31 by a life expectancy factor published by the IRS. Your financial professional should be able to perform this calculation for you.
• If I have multiple accounts, do I have to take an RMD from each one? If you are taking RMDs from a traditional IRA, you must calculate each RMD individually, but you can take the total amount from one or more IRAs. If you’re taking RMDs from a 401(k) or similar plan, you must take the RMD from each of your accounts.
• How are RMDs taxed? You are typically taxed at your income tax rate on the amount of the withdrawn RMD. You may be able to avoid taxes in a particular year if you transfer your RMDs to a qualified charity in what’s known as a qualified charitable distribution.
LiFestyLes
• If I inherit an IRA or 401(k), am I subject to RMDs? Yes. When you take RMDs from an inherited account, you generally must withdraw all the funds within 10 years, as opposed to over your lifetime, which is the RMD window that applies to your own accounts. The rules are somewhat different if you inherit an IRA or 401(k) from your spouse. In any case, though, you’ll want to consult with your tax advisor about how to take RMDs from an inherited account. If you’re already subject to RMDs, be sure you’ve taken them before the year ends. And if you haven’t yet started taking RMDs, learn as much as you can about them — because the more you know, the more likely you’ll make the right moves at the right time.
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor, Edward Jones, Member SIPC.
Edward Jones is a licensed insurance producer in all states and Washington, DC, through Edward D. Jones & Co., L.P., and in California, New Mexico, and Massachusetts through Edward Jones Insurance Agency of California, LLC; Edward Jones Insurance Agency of New Mexico, LLC; and Edward Jones Insurance Agency of Massachusetts, LLC. Edward Jones, its employees, and financial advisors cannot provide tax advice. You should consult your qualified tax advisor regarding your situation.
Contact us at (561) 748-7600, Sally Sima Stahl, CFP®, AAMS™, 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
Breathing Easy Again: Evelyn’s Journey Through Aortic Valve Replacement
Evelyn Greenberger had been experiencing shortness of breath and a fluttering heartbeat symptoms she thought indicated she had pneumonia. She got quite a surprise, though, when she went to the emergency room and doctors told her that it was not pneumonia. Instead, she was in heart failure.
Juan Pablo Umana, M.D., chair of the Division of Thoracic and Cardiovascular Surgery at Cleveland Clinic in Florida,
says Evelyn had a leaky aortic valve. The shortness of breath she was experiencing was due to the blood volume overload in her heart, which was causing a backup to her lungs. Her symptoms were typical of her condition.
Dr. Umana recommended an aortic valve replacement to restore the normal flow of blood through her aorta to prevent it from flowing back into her heart.
“The earlier you have the operation, the better and easier the recovery,” Dr. Umana says.
Evelyn says she chose to have the aortic valve replacement at Cleveland Clinic because she knew it was “an amazing organization.” Being a resident of Boca Raton, she was grateful Cleveland Clinic Weston Hospital was nearby. She also says she felt confident in Dr. Umana and his team.
“I could not have been in better hands,” she says. “When I went in on the day of surgery, I had every question answered. [The Cleveland Clinic team] just embraced you. There was no fear because everybody wanted to be there and comforted you for who you were.”
Dr. Umana used a minimally invasive approach to Evelyn’s surgery. The approach allows surgeons to make smaller incisions without having to open up the chest. This causes less scarring and pain and a faster recovery than traditional open surgery.
“This was a team effort,” Dr. Umana says. “The patient is at the center not only of the care but of the decision making.”
Evelyn couldn’t be more pleased.
“There’s a whole new world that’s open to me now. There’s nothing stopping me,” she says. “I’ve got the energy and the same zest I had when I was 30-something or 40-something. Dr. Umana gave me this gift and it’s now my chance to use it.”
Tip of the Tail
The Rise of the Frenchie
As a doctor of veterinary medicine, I have witnessed the explosive growth in popularity of French Bulldogs with both admiration and concern. These silly, charming, and ridiculously cute dogs have captured the hearts of America, as well as most of the world. But their popularity also highlights significant challenges that owners need to consider when bringing this breed into their home.
Frenchies are affectionate, playful, and adaptable. They thrive on human interaction, making them ideal for families and singles alike. Known for their exuberant personality, they often earn the title of class clown. Their moderate energy levels make them suited for short play sessions and apartment living. However, their deep bond with owners can lead to separation anxiety if left alone too long.
So, why have they become the most popular dog in America? Well for starters, their adorable looks with their bat-like ears, wrinkled face, and compact build are irresistible. They are a convenient size, making them perfect for urban living and easier to manage than larger breeds. They are playful, loving, and extremely loyal, making them appeal to a variety of people in different types of environments. Furthermore, social media and celebrity endorsements have skyrocketed their fame.
However, despite all that charm and cuteness come many health challenges:
Breathing Problems: As a brachycephalic breed, their flat noses can cause brachycephalic obstructive airway syndrome (BOAS). Symptoms include snoring, snorting, and heat intolerance. Owners must monitor their activity and avoid overheating. At Palm City Animal Medical Center, frenchies are the number one dog we treat for heat stroke. It is strongly advised for owners of frenchies to have them evaluated for stenotic nares and elongated soft palates as a puppy and, if these are found to be an issue, to surgically correct them at the time of their spay or neuter to prevent future problems.
Spinal Issues: Their skeletal structure makes them prone to intervertebral disc disease (IVDD) and chronic back pain. They also are often born with congenital spinal defects like hemivertebrae that can lead to lifelong neurologic side effects. Unfortunately, sometimes frenchies end up becoming wheelchair (or cart) dependent.
Eye Conditions: Their prominent eyes are susceptible to injuries, corneal ulcers, and cherry eye. These conditions often require periodic visits to a veterinarian and possible veterinary ophthalmologist for treatment and long-term management solutions.
Evelyn Greenberger and Dr. Juan Pablo Umana
Allergies: Many frenchies develop food and environmental allergies, leading to chronic skin infections and itchiness. A hypoallergenic diet and proper skin care can help manage these issues, but it often requires frequent veterinary visits, bathing, and topical treatments to keep it under control.
Reproductive Issues: Due to their narrow pelvic canals and relatively large heads, along with their decreased stamina levels for strenuous activity, they are at high risk for developing complications during natural childbirth. For this reason, most frenchies are born via C-Section and often require a reproduction specialist for the best outcome and highest survival rates.
Frenchies are undeniably captivating. As a veterinarian, I love seeing them bless our hallways and exam rooms with their presence. However, their unique needs require informed and responsible ownership. If planning to make a frenchie a part of your loving family, it is wise to be aware of the many health issues your pet may face and realize that all of these issues require financial responsibility and a close relationship with your veterinarian. It is advisable to have your new puppy examined by a veterinarian right away and have the ability to return to the breeder if there are major health concerns. By prioritizing their health and well-being, together we can ensure these beloved companions continue to bring joy to homes for years to come.
Established in 1981, Palm City Animal Medical Center is dedicated to providing the best possible care for your pets. With focuses on compassionate care in surgery, physical therapy and rehabilitation, preventative medicine, extensive diagnostics, and emergency service, Palm City Animal Medical Center combines exceptional medical care with a caring philosophy for pets and their owners. For more information, call 772-283-0920, visit www. palmcityanimalmedicalcenter.com, or find us on Facebook at www.facebook.com/PalmCityAnimalClinic.
Medicare Corner with Kathy O
General Medicare Tips and Advice
Concierge Care Is a Family Affair
plans. TGH Concierge Health includes same-day or nextday appointments, after-hours communication with the concierge physician or staff, annual executive-level physical examinations, and more.
When Kim Hoffman began experiencing complications following an emergency appendectomy at a community hospital in Palm Beach County, Tampa General Hospital’s (TGH’s) Dr. Laurie Rothman was the first person she called. “She answered on the first ring,” says Hoffman. “I was upset and concerned about what the doctors at the hospital were telling me. She reassured me that she’d speak with them and that everything would be OK. I was incredibly grateful and relieved knowing she was there for me, and would determine the next best course of action.”
Hoffman has been a happy patient of Dr. Rothman’s for more than 12 years. A friend recommended her after Hoffman moved to Florida. “They told me that I would love her, and I do!” Dr. Rothman has been practicing medicine in Palm Beach County for more than 20 years. Recently, when Dr. Rothman joined TGH Concierge Health, a service of TGH Primary Care, Hoffman jumped at the chance to reunite with her trusted primary care physician. In fact, she not only signed herself up with TGH Concierge Health, but also her husband and two adult sons. Diagnosed with several different autoimmune disorders, Hoffman has a complicated medical history. She says Dr. Rothman is truly at the center of her care — a master of coordinating and communicating with multiple medical specialists so everyone is on the same page. Hoffman notes that Dr. Rothman excels at breaking down information into ways she can understand. “She remembers everything,” notes Hoffman.
Since 2020, Tampa General has been creating a framework of state-of-the-art services for patients in the Palm Beaches and on the Treasure Coast, with the expertise and innovation of a preeminent academic health system.
One of the leading academic health systems in the nation, Tampa General has been affiliated with the USF Health Morsani College of Medicine at the University of South Florida since the school was created in the early 1970s. Today, more than 700 medical school residents and fellows receive specialty training at the academic health system in areas ranging from general internal medicine to neurosurgery.
Tampa General is the highest-ranked hospital in the market in U.S. News & World Report’s 2024-2025 Best Hospitals, with two medical specialties ranking among the top 20 in the nation and eight medical specialties ranking among the top 50 best hospital programs in the United States.
“Dr. Rothman has been there for all my ups and she’s been there for the downs, and it’s been quite the journey,” says Hoffman. “But we’ve come to the other side, so everything’s going pretty well right now. I’m so very happy.”
For more information about TGH Concierge Health, please visit TGH.org/ConciergeHealth or call (561) 7394TGH (4844).
By Kelly Leary, MS, and Miranda Capparelli (The Award-Winning Matchmakers)
“To truly change the way we approach love, we have to go to the source of everything we do: our minds.” — Todd Perelmuter
The single most important thing you can do for yourself is to have your own agent. Your agent is an amazing resource to reorder lost cards, answer benefit questions, provide a list of specialists, review notices and claim statements, and so much more. Your agent can even answer questions about those pesky TV ads and all the gossip from your friends about Medicare. Best of all, there is NO cost to have an agent.
Moving? Do NOT change your address with your Advantage, supplement, or drug plan carrier prior to your move without first speaking to your agent and if you don’t have one, find one. When you call member services and change your address, they may cancel your plan at the end of the current month, even if you don’t move until next month. This could unknowingly leave you with no coverage.
The Special Enrollment Period for moving outside your plan service rules are: 1) If you tell your plan before you move, your chance to switch plans begins the month before the month you move and continues for two full months after you move; or 2) If you tell your plan after you move, your chance to switch plans begins the month you tell your plan, plus two more full months.
It is also important to change your address with Medicare. This is done through Social Security by phone or online at ssa.gov.
Why is Social Security involved when I need services with Medicare? Social Security (SSA) is the gatekeeper for Medicare. Your earnings are tracked by SSA and you must qualify with 40 work quarters to receive Medicare. Medicare also relies on SSA to determine your Part B Premium and, if you receive SSA benefits, to collect your premium. If you are not receiving SSA benefits, you will be billed quarterly by Medicare.
If you still need to review or change your Medicare plan, Open Enrollment ends March 30 and you may qualify for a Special Enrollment. Call me! If you have any Medicare topic suggestions, email me at czak82@aol.com. I speak Medicare: Supplement, Drug Plan, and Advantage Plan. For your free Medicare plan review, please call me, Kathy Olejniczak, Agent, 561.835.5413, or cell/text 561.212.7640.
Along with coordinating Hoffman’s health care, Dr. Rothman monitors Hoffman’s husband and sons’ well-being, ensuring preventative measures like specialized blood tests for her adult sons, one of whom has type 1 diabetes. “When our younger son is home from college, he can easily reach out to Dr. Rothman to get a refill on a prescription. She is like an old-fashioned family doctor,” notes Hoffman. “She treats patients holistically.”
Prior to joining TGH Concierge Health, Dr. Rothman served the brave men and women in law enforcement as the dedicated doctor for the Palm Beach County Sheriff’s Department. She is also a member of the Florida Medical Association, the American Academy of Family Physicians, and the American Board of Obesity Medicine.
TGH Concierge Health is part of Tampa General’s commitment to connecting the Palm Beach County and Treasure Coast communities to innovative care. TGH Concierge Health patients receive the highest level of primary care, with after-hours access and personalized care
Romance has arrived and you have front row seats. Cupid’s arrow is aimed and couples are falling in love all over town, thanks to us. Whether you’re actively looking for it or quietly wishing for it, LOVE is on everyone’s mind this month. So, how is your love life? (Take a moment to think about it.) Do you need a little extra help from our sweet, professional cupids this month? Well, good news — we’re right here in your local area, ready to help! As always, don’t forget to share this valuable info with your single family and friends — especially during this inspiring month. They might just be more motivated to take action than they think.
Lifestyles on page 21
Kim Hoffman
The Power of a Twosome
Countless studies have shown that we’re at our best when we’re in a healthy relationship. It’s not money, fame, or beauty that brings true happiness — it’s togetherness. We ask people of all ages — from 20 to 80-plus — what their happiest moments have been, and the overwhelming answer is always the same: “The best time of my life was when I was in a loving, committed relationship.”
It Makes Perfect Sense
When you’re in a relationship, you have someone to share life’s joys with, and someone to lean on during the tough times. You have a partner to help you plan your future, and a person who becomes your rock, your sounding board, and your biggest cheerleader. Two beats one, any day of the week. Not only does this connection improve your emotional health, but it’s also essential for your physical well-being. A supportive relationship gives you something to look forward to every day, and that’s crucial for mental and physical wellness.
Taking Responsibility for Your Love Life
Deep down, no one wants to be single forever. Yet, many will be alone this February — and possibly longer — because they’re not owning their love life. They’re too comfy in their comfort zones, waiting for something to happen instead of making it happen. Some people blame others (or even an ex) for their single status, but here’s the truth: You are responsible for your relationship status.
Facing the Truth
In the world of dating, it’s easy to get stuck in patterns of blaming external factors rather than reflecting on our own actions, dating style, or mindset. Taking ownership of your love life requires self-awareness, self-improvement, and a willingness to face the discomfort of stepping outside of your comfort zone.
Fear of rejection, getting hurt, or losing freedom often holds people back, but this is precisely what keeps them from finding happiness. Online dating is a risky platform, and we get that. This is why we’re here! Unlike online dating, we vet every single candidate and connect with them personally. We act as cheerleaders, and sometimes we hold up a mirror when we see our clients standing in their own way. Tough
love leads to success, and we’re fortunate that most of our clients listen to us.
Taking Control Leads to Growth
Taking responsibility for your love life is a mindset that opens the door to personal growth and increases your chances of finding your grand finale relationship. Dating isn’t for the faint of heart — it’s a combat sport. You will take a few hits along the way, but you must keep going if you want to score the touchdown.
Know Your League
It’s crucial to understand what “league” you should be dating in. You can’t be a third-string player on a community football team and expect to date the head cheerleader of an NFL team. If you have incredibly high standards, make sure your attributes match what you’re looking for in a partner. Ask a brutally honest friend or, better yet, ask your matchmaker. We’ll give you the truth (while your friends might sugarcoat it). Most of our clients appreciate this transparency.
Optimism and Open-mindedness
Remember, there is a pot for every lid. Don’t let low self-esteem hold you back from believing in love. If you find yourself thinking, “No one will ever love me,” STOP. You are lovable, and you deserve the best partner in the world. Start telling yourself: “I am lovable, and love is on its way.” Stay optimistic, and get off that negative train — it’s headed nowhere. Is that really where you want to go?
More Amazing Singles than Ever
We’re excited to report that we’re meeting more incredible, like-minded singles than at any other time in our history. Nationwide exposure and a recent article in The Shiny Sheet have been an astronomical experience for the club and its members. Times have changed, and so has our matchmaking style. New candidates for men and women are walking through our doors every day. Our database is growing and ever-changing, and the quality of matches packs a powerful punch.
The Right People Are Out There
We feel so fortunate to work with such attractive, successful, and positive clients. Our clients are too wise and too busy for the bar scene or online dating. They want quality, and they deserve it too.
In honor of love month, here’s one final piece of advice: “Treat yourself the way you want to be treated by others. Love yourself, and you will be loved.” Love the world, and it will love you back. It’s the LOVE MOVEMENT. Join us and enroll today — before we book solid! May you find love in 2025 with yourself and with others. We are obsessed with 2025 and can’t wait to make this year even better — together!
Thank you for sharing your time with us today. We appreciate all of you.
Americans are, quite literally, getting buried in debt, with nearly half expecting to pass away with outstanding debts. 1
Generally, a person’s debts do not go away when they die. Some types of debt, such as federal student loans, are typically forgiven upon the debtor’s death, but private loans and cosigned accounts may still be owed after the debtor has passed away. State laws also play a factor in the post-death debt settlement process.
While nearly half of Americans think they will pass on their debts when they die, you can take proactive steps now to protect your loved ones from inheriting or becoming responsible for your debts. If you are an estate’s executor/personal representative or have been contacted by a debt collector about a deceased family member’s debt, you should understand your rights and obligations.
Lifestyles on page 22
Lifestyles from page 21
One Nation, Under Debt
Debt is as old as civilization itself. Lending at interest can be traced back to ancient Mesopotamia and the use of promissory notes to facilitate trade. The United States has carried debt since its inception, borrowing money from domestic investors and the French government to fund the Revolutionary War.2
Total consumer debt eclipsed $17 trillion in 2023, up from $15 trillion in 2021, according to credit reporting agency Experian.3 The largest and most common debts include:
• mortgages ($11.5 trillion in 2023)
• auto loans ($1.51 trillion)
• student loans ($1.47 trillion)
• credit cards ($1.07 trillion)
• personal loans ($571 billion)4
The total average individual debt balance in 2023 was $104,215, up from $101,915 in 2022 and $96,371 in 2021.5 According to debt.org, 73 percent of Americans die owing money.6 The average amount of debt they die with is nearly $62,000.7
What Happens to Your Debt when You Die
You are probably familiar with the expression “buried in debt.” It might hit close to home if you are like most Americans struggling to pay off existing loan balances. However, do you know what happens to your debt when you die?
The answer depends on factors that include the type of debt and the state where you live. In most cases and most states, your loved ones are not stuck with your unpaid bills because creditors are paid only from the assets (e.g., home, car, bank accounts, investment accounts) that are (i) part of your probate estate and go through a probate court or (ii) in your revocable living trust.
If you do not leave behind enough assets in your probate estate and living trust to fully cover the debts owed, creditors may have to settle for what is available. There are some exceptions to the idea that surviving family members and other heirs are not on the hook for the debt, including:
• a person who cosigns on a loan
• the spouse of a deceased person who lives in a state with community property laws (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin)
• the spouse of a deceased person who lives in a state that requires a surviving spouse to pay certain healthcare expenses and other kinds of debt
The rules governing when a surviving spouse is responsible for paying unpaid medical bills are complex and vary by state. It is important to work with an experienced estate or trust administration attorney to ensure that your affairs are wound up correctly.
Surviving spouses and adult children are frequently contacted by debt collectors attempting to collect on bills for the medical care of their deceased loved one, according to the Consumer Financial Protection Bureau. However, unless the survivor also agrees to the medical debt or is responsible under state law, they are generally not liable for the debt.
Not All Debts Go Away at Death
Debts not inherited by a specific individual under the exceptions described above do not just disappear, except for debts that are dischargeable by death.
For example, federal student loans, including Direct Subsidized Loans, Direct Unsubsidized Loans, Direct Consolidation Loans, Federal Family Education Loans,
and Federal Perkins Loans, are usually discharged when the borrower dies, as long as the loan servicer receives proof of death.8
Private student loans are a different story. Some lenders of private (i.e., nonfederal) student loans offer a death discharge, although it is not the norm. They may come after the loan’s cosigner (if there is one) or the estate for repayment of the outstanding balance on the loan.
Secured versus Unsecured Debt
Determining how and when to pay a debt after the debtor has passed away and who or what may owe the debt can depend on whether the debt is secured or unsecured
• Secured debt is backed by collateral (a tangible asset the lender can repossess or sell if the borrower does not pay back the debt). Common examples of secured debt are mortgages (secured by the real property) and car loans (secured by the vehicle). Secured debts are typically paid off before unsecured debts when a probate estate is settled during the probate process. If estate assets are insufficient to cover the secured debt, the lender can seize the collateral to recoup their losses.
In rare cases and under select jurisdictions, legal protections may be available for surviving spouses who wish to remain in a primary residence subject to a creditor’s claim. These protections may delay or prevent foreclosure if the spouse cannot pay off the mortgage in full.
• Unsecured debt is not backed by collateral (that is, there is no specific asset backing the debt). Unsecured debt includes credit card debt and personal loans. Unsecured creditors have lower priority than secured creditors in probate. If the probate estate has enough funds, unsecured debts are paid off before any inheritance is distributed. However, if the estate lacks sufficient funds to satisfy all its debts, unsecured creditors are typically last in line for repayment and may not receive the full amount they are owed.
Funeral expenses also take priority over some creditor claims. Any state and federal taxes that the decedent owes, as well as probate estate administration expenses incurred during probate (e.g., legal and accounting fees), may also supersede creditors.
Knowing which debts have priority over others in probate is the responsibility of the estate’s executor/personal representative. If the individual assigned this role in an estate plan does not follow state probate laws, they could be personally responsible for debts that should have been paid but were not because the executor did not pay creditors in the correct order.
How to Plan for Debt and Leave More Money for Your Loved Ones
“You can’t take it with you” applies to what you owe every bit as much as what you own.
Your outstanding debt could create potential complications for loved ones. Your family may not personally get stuck with your unpaid bills; however, if you do not pay off your debts before you pass away, they may be forced to deal with debt collectors harassing or contacting them. Worse still, there may not be any money or property left to distribute to your loved ones in probate court or through the trust after everything has been liquidated to pay creditors. Here are some protections that your loved ones are afforded:
• State and federal law limits whom debt collectors are authorized to contact — and how they can contact them — to discuss outstanding debts. Spouses and other survivors should not automatically assume they have to pay and should delay any conversation regarding payments of outstanding debts until they have discussed the specific
circumstances with a lawyer. Collectors who go too far or provide misleading information can face potential consequences.
• When a beneficiary inherits a home, they also take possession of the home subject to any outstanding mortgage and are ultimately responsible for that debt. Anyone inheriting a home or other significant asset, such as a vehicle, with an outstanding loan balance must know their obligations to the lender. They may have to sell the house to pay off the mortgage or apply to transfer the mortgage to their name. In addition, individuals have the right to refuse a gift from an estate if they do not want or cannot afford it. In some cases, federal law will allow a decedent’s heirs to assume the mortgage on a property without triggering a due-on-sale clause, ensuring that the loan remains in place after the owner’s death.
• Every state has different laws and procedures surrounding debt repayment. Things can quickly get complicated, so it is best to work with a local estate or trust administration lawyer if there are any concerns about how unresolved debts could affect the surviving family.
Estate planning is about the legacy you leave behind. If that legacy includes debt, an estate planning attorney can offer advice for getting it under control during your lifetime or help your family deal with the consequences of your debts after death. Call us if you need assistance planning for your debt or winding up a loved one’s affairs.
1 Myles Ma, SPFC, 46% of Americans expect to pass on debt to their loved ones when they die, Policygenius (Jan. 9, 2024), https://www.policygenius.com/life-insurance/2024financial-planning-survey-passing-on-debt-after-death.
3 Chris Horymski, Experian Study: Average U.S. Consumer Debt and Statistics, Experian (Feb. 14, 2024), https://www. experian.com/blogs/ask-experian/research/consumer-debtstudy/#s3.
4 Id.
5 Id.
6 Bill Fay, What Happens When People Die with Debt: Who Pays? (May 16, 2023), https://www.debt.org/family/ people-are-dying-in-debt.
If you have questions about your estate plan and what documents you should have in place to plan your estate, schedule a free consultation today by calling our office at 561-694-7827, Anné Desormier-Cartwright, Esq., Elder and Estate Planning Attorneys PA, 480 Maplewood Drive, Suite 3, Jupiter, FL 33458.
The content of this article is general and should not be relied upon without review of your specific circumstances by competent legal counsel. Reliance on the information herein is at your own risk, as it expresses no opinion by the firm on your specific circumstances or legal needs. An attorney client relationship is not created through the information provided herein.
To comply with the U.S. Treasury regulations, we must inform you that (i) any U.S. federal tax advice contained in this newsletter was not intended or written to be used, and cannot be used, by any person for the purpose of avoiding U.S. federal tax penalties that may be imposed on such person and (ii) each taxpayer should seek advice from their tax advisor based on the taxpayer’s particular circumstances.
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