May 23, 2012 Ex-CIA spy in Iran's Revolutionary Guard: Baghdad talks highlight Western naivete Putin's latest defiance shows Obama's whisper didn't work Tony Pugh: More private colleges offering tuition discounts Lisa Gerstner: 4 Money-Etiquette Questions Answered Mary Beth Franklin: How to Choose the Right Annuity for You Art Markman, Ph.D.: Get smart: How to bulk up your creativity muscles Israeli scientists use skin cells to help repair heart muscle Tina Susman: The wig wasn't enough: Man gets 13 years for posing as his dead mom The Kosher Gourmet by Emma Christensen:A simple way to do fish right May 22, 2012 David S. Cloud and Kathleen Hennessey: Obama changes mind on Pakistan invite to NATO summit --- and then gets dissed by country's president US Senate approves new sanctions against Iran ahead of Baghdad talks Warren Richey: Can US group challenge overseas surveillance act? Supreme Court to decide Supreme Court: Twins can't claim dead dad's benefits Thomas M. Anderson: Walking Away From a Mortgage Environmental Nutrition editors: The lowdown on a low-acid diet Pomegranate juice maker used deceptive ads, FTC judge rules Relatives outraged over spoof on Hamas chief's killing The Kosher Gourmet by Megan Gordon: Enjoy a celebration of the most rich and layered flavors: Black bean, sweet potato and quinoa chili May 21, 2012 Mark Clayton: Cybersecurity: How US utilities passed up chance to protect their networks Howard LaFranchi: NATO summit: Who will foot the bill for long-term Afghanistan security? Chris Farrell : Earn Dividends in Emerging Markets with This WisdomTree ETF James K. Glassman: 5 Stock Picks Among Online Retailers Stephen Whiteside, Ph.D. : Mayo Clinic Medical Edge: Social anxiety disorder --- or just shy? 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Shafier: Why happiness will always be elusive Charles Krauthammer: Echoes of '67: Israel unites Howard LaFranchi: With G8 snub, US-Putin 'reset' off to stumbling start Jeremy J. Siegel: Investors, Relax About Rising Interest Rates Jessica L. Anderson: Get the Best Deal on a Used Car Jett Stone: Forget face-lifts and fake knees. Scientists have seen the fountain of youth --- and it's broccoli The Kosher Gourmet by Chef Mario Batali: The famed chef's vegetable dish that tastes true to the season: FAVAS AND SUGAR SNAP PEAS WITH POTATOES AND TARRAGON May 10, 2012 Clifford D. May: The Real Palestinian Refugee Problem Sergei L. Loiko: Putin sends warning to U.S., NATO in Victory Day speech at Red Square Mary Rourke: How being a 'mentch' got Vidal Sasoon his start and fighting in Israel's War of Independence provided him with confidence and a strong sense of his own identity Harvard Health Letters: Palliative care: Underused therapy yields surprising benefits Jeff Bertolucci: Get Home Phone Service for Less Than $10 a Month Rachel L. Sheedy and Susan B. Garland : Make the Right Moves to Boost Benefits The Kosher Gourmet by Betty Rosbottom: Gleaming with its golden, crimson, and snowy white hues, this silken smooth and creamy STRAWBERRY ORANGE TRIFLE looks impressive, but is easy to prepare May 9, 2012 John Rosemond: Parents, stop destroying the American male Valerie J. Nelson: Maurice Sendak, author of 'Where the Wild Things Are,' dies at 83 Bob Frick: Angst Over Annuities Sharon Palmer, R.D. How you can reduce your risk -- or delay -- chronic diseases associated with aging Howard LeWine, M.D.: Ask the Harvard Experts: Why did my blood pressure suddenly shoot up? Lisa Gerstner: Lower the Rate on All Your Loans The Kosher Gourmet by Emily Ho : Springtime soba with miso sauce offers a coloful mix of fresh textures and flavors May 8, 2012 Edmund Sanders: Netanyahu suddenly cancels new elections, forms unity government Frank J. Gaffney Jr.: Farewell to European superstate Anne Kates Smith: 4 Stocks That Mimic Buffett and Berkshire Hathaway Gaia Vince and Clare Wilson The Rise of Miniature Medical Robots: Fantasy Fast Becoming Reality Paul Takahashi, M.D.: Mayo Clinic Medical Edge: Never suffer night leg cramps Jessica L. 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Jewish World Review May 27, 2008 / 22 Iyar 5768 IRA: To roll over or not to roll over?; family's long-term care conflict By Jan L. Warner & Jan Collins http://www.JewishWorldReview.com | Q: My second husband died recently, only three years after we married. He was 68. I am 57. I inherited his IRA, and, because of economic problems, I have to make withdrawals to support myself. However, I am getting conflicting advice about what to do. The financial adviser tells me to create a new IRA in my name, but our CPA says that I should keep my husband's IRA intact. A: According to the Internal Revenue Service, as a surviving spouse who has inherited an IRA, you have two choices: (1) Keep your deceased husband's IRA account as is, or (2) "roll it over" into a new IRA in your name If you establish a new IRA and take withdrawals, in addition to paying income taxes, the withdrawals you take until you reach age 59-1/2 will be subject to a 10 percent early-withdrawal penalty — unless you choose to take substantially equal withdrawals. In that way, you can escape the 10 percent penalty, but you will tie yourself into an irrevocable situation for five years. By leaving the old account in place, as beneficiary, you will be able to take withdrawals without incurring the 10 percent penalty. Therefore, you must make an economic decision as to the real costs involved. Since you're not yet age 59-1/2 and need to take withdrawals, we believe that you should listen to your CPA and keep your late husband's account intact; however, because the rules governing distributions from IRAs are complex and because rules change, don't act without getting a written opinion from your expert. Q: Our mother (age 83) and father (age 89) are both failing physically and mentally; however, although I live closest to our parents and see them regularly, my two brothers — who live in other states — and I cannot agree on the best course of action. These conflicts are causing breaches in our family relationship, and, in the meanwhile, our parents are suffering. We had one meeting with a lawyer, who lost control of the meeting; it turned out to be a disaster. Do you have suggestions about how to break the logjam? A: In working with elderly people and their families on a plan for long-term care, it's important to understand that there are numerous unique concerns for the planner, some due to intrafamily dynamics. To be effective, the attorney must identify, assess and address the issues as early as possible in the planning process, because all long-term-care planning is filled with conflicts. These conflicts include whether to preserve assets for beneficiaries or use assets to fund long-term care, and whether the elderly person is comfortable with giving up control of assets and, if so, to whom, in what amounts and when. If the elderly person is not comfortable with giving up control of assets, alternate planning ideas should be discussed. Another area of conflict is "quality of care versus cost of care." Certainly, everyone wants the best care available; however, as with any commodity, the more you get, the more it costs. Should the elderly person stay at home? Does he or she need residential care? Can a nurse come into the house? Can a spouse or child take care of the elderly person? Does he or she need a nursing home? Should the elderly person have a private room? The attorney, the elderly person and the family must face the question of the elder person's needs versus his or her desires. Almost no one wants to be in a nursing home, but some people must. The perception of the elderly person's health and the ability of the family to care for him or her may be very different from the true facts. The family must remember that providing the best care for the elderly person at the best price is the goal of the planning process. Squabbles within the family can be avoided if family members are educated and understand that someone needs to be in charge. Fighting over who will handle this thankless job seems miniscule when compared to your parents' needs, which seem to have been forgotten. Every weekday JewishWorldReview.com publishes what many in in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here. JAN L. WARNER received his A.B. and J.D. degrees from the University of South Carolina and earned a Master of Legal Letters (L.L.M.) in Taxation from the Emory University School of Law in Atlanta, Georgia. He is a frequent lecturer at legal education and public information programs throughout the United States. His articles have been published in national and state legal publications. Jan Collins began co-authoring Flying SoloŽ in 1989. She has more than 27 years of experience as a journalist, writer, and editor. To comment or ask a question, please click here. Archives © 2008, Jan Warner

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