Beth Torah

The Shalom Hartman Institute is a pluralistic center of research and education deepening and elevating the quality of Jewish life in Israel and around the world. Through their work, they are redefining the conversation about Judaism in modernity, religious pluralism, Israeli democracy, Israel and world Jewry, and the relationship with other faith communities. Rabbi Dr. Donniel Hartman is President of the Shalom Hartman Institute, and the Director of the iEngage Project. He has a Ph. D. in Jewish philosophy from The Hebrew University of Jerusalem, a Master of Arts in political philosophy from New York University, a Master of Arts in religion from Temple University, and Rabbinic ordination from the Shalom Hartman Institute.

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Repeal of the Law transposing the EU Savings Directive - Amendment of the RELIBI Law

The Luxembourg Law of 23 July 2016 repeals, as from 1 January 2016, the Luxembourg Law of 21 June 2005 transposing the EU Savings Directive and modifies the Law of 23 December 2005 (as amended) relating to the final withholding tax regime on certain interest income (the “RELIBI Law”). Background As already announced in an earlier alert, the Savings Directive was repealed in phase with the implementation of Directive 2014/107/EU on mandatory automatic exchange of information, imposing Common Reporting Standard (“CRS”) based reporting as from 1 January 2016 throughout the EU (with the exception of Austria, where this Directive will apply as from 1 January 2017).

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Savings Bonds Gal on

Q: What Taxes Will I Owe When Cashing In Savings Bonds? A: Savings Bonds are exempt from state and local income taxes. They are subject to Federal Income and estate taxes. Q: When Do I Have To Report The Taxes On Savings Bonds? A: You can defer reporting the interest income (earnings) on savings bonds until the bond reaches its final maturity (normally 30 years from the issue date) OR when you cash it in – whichever occurs first. Q: How Should I Report The Interest Income From Savings Bonds On My Tax Return? A: You should report the interest earned from bonds on the same line with other interest income on your Federal Income Tax Return.

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Roth IRA vs. Traditional IRA Calculator: Which Type Is Right for You?

Selecting the right IRA depends on your income, your other retirement accounts, your marital status, and your age—but also your expected future tax bracket. You can have multiple IRAs, but the annual contribution limit across all accounts is $5,500 if you’re under age 50, and $6,500 if you’re 50 or older. Picking the right IRA can be tricky. You may qualify for multiple types depending on your income, age, and how much you contribute to other retirement accounts. If you have to choose between types, your current and future tax bracket also have an impact on which account is best.

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Investing In Your Child's Education

Let's face it: with steadily rising expenses in our daily lives, raising children is becoming more and more expensive. Forget about the $300 PlayStations, the $5 G. I. Joes or even the $30 Barbies. The growing concern for many parents is their financial readiness for sending their little and not-so-little ones to a post-secondary institution. Tuition costs alone are ranging between $5,000 and $30,000 per year, and the average degree requires four years to complete - provided, of course, that the kids don't decide to change majors or take their sweet time graduating.

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Savings and Loan Crisis

What Are S&Ls? A Turbulent History The Reckoning Resolution In the 1980s, the financial sector suffered through a period of distress that was focused on the nation’s savings and loan (S&L) industry. Inflation rates and interest rates both rose dramatically in the late 1970s and early 1980s. This produced two problems for S&Ls. First, the interest rates that they could pay on deposits were set by the federal government and were substantially below what could be earned elsewhere, leading savers to withdraw their funds. Second, S&Ls primarily made long-term fixed-rate mortgages.

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Are Post Office Savings Bonds safe?

PERSONAL FINANCE:Your questions answered Q As someone who has most of my life savings in an An Post Savings Bond I need to know are these savings at risk if the Irish Government was ever to default or need the IMF? - Mr JO’S, e-mail A We are getting a significantly larger mailbag on the issue of the security of deposits in the event of default. The first thing to say is that, despite recent volatility, there is no reason to expect a default. In the first place, unlike Greece, we have plenty of liquidity, relatively speaking. The National Treasury Management Agency (NTMA), which manages State debt, has already raised sufficient funds to meet expected requirements through to the end of July next – albeit at increasingly high rates of interest.

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Did You Turn Your Clocks Back Saturday Night? Daylight Saving Time 2016 Ended

This weekend we grabbed an extra hour of sleep as we “fell back” into Standard Time and longer nights. Daylight Saving Time ended at 2 a. m. Sunday, Nov. 6, which means you should have turned your old-school clocks back before you went to bed Saturday night, Nov. 5. Of course, the change is automatic for most smartphones, computers, tablets and other digital devices. Daylight Saving Time — called daylight “savings” time by some — is the practice of setting the clocks forward one hour from standard time during the summer months, and back again in the fall, to make better use of natural daylight.

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Business Planning For Healthcare Professionals

Table of Contents Foreword Lesson #1:   Work On Your Practice, Not “In” Your Practice Chapter 1-1: Be Different. Be Rich. Be Worry-Free Chapter 1-2: Work Smarter, Not Harder: Don’t Just See More Patients Chapter 1-3: Making Your Money Work For You Chapter 1-4: How To Work Less Chapter 1-5: Getting the Most Out of Your Assets Chapter 1-6: Using Other People to Make You Money Lesson #2:   Don’t Try to “Fit In” with the Crowd Chapter 2-1: Understanding the Average American Chapter 2-2: The Popular Press Hurts Doctors Chapter 2-3: Smart Doctors Don’t

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Calculating Potential Energy Savings of Vinyl Roofing Membranes

How can you get a quantitative analysis of the potential energy savings for your building without performing a detailed building energy simulation? Roofing calculators and other tools are available to help architects, specifiers, roofing contractors, building owners or facility managers evaluate the energy efficiency of roofing systems under consideration. U. S. Department of Energy (DOE) Cool Roof Calculator This energy savings calculator, developed by DOE's Oak Ridge National Laboratory, estimates cooling and heating savings for low slope roof applications with non-black surfaces.

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