Lifetime Income
for Retirement.

And an even greater outcome for
Israel, science and education.

I believe the Jewish people should always contribute

to Jewish causes. If we don't, who else will? There are

so many urgent, worthwhile causes. What to do? Support

medical research? Give to my beloved Israel?
No one has unlimited funds -
-certainly not me.
So where to start; where to give?

Then I saw an ad about AFHU Hebrew University Gift

Annuities supporting The Hebrew University of Jerusalem.

I read up on HU. It was everything I care about in
one package.

That's because during menopause, produc-
tion of the hormone estrogen plunges. Since
estrogen protects the body from bone loss,
once it's gone, degeneration far outpaces our
body's capacity to grow new bone.
Production of the male hormone testoster-
one also drops with aging, but more slowly.
Plus, men have stronger, thicker bones in the
first place, making osteoporosis less com-
mon, with later onset.
The only true diagnosis is measuring bone
mineral density using dual energy X-ray ab-
sorptiometry (DXA). This painless scan must
be ordered by a physician, making regular
checkups important. The U.S. Preventive Ser-
vices Task Force recommends DXA screening
for all women over 65 and men over 80.
Which brings us back to Mom. While
osteoporosis has no cure, good nutrition and
regular weight-bearing exercise can slow or
even reverse bone loss. Eating plenty of those
calcium-rich foods that Mom recommended
— low-fat milk, yogurt, cheese and leafy
green vegetables — is essential, as is vitamin
D to assist the body in absorbing calcium. We
get vitamin D primarily from sunshine.
Meanwhile, exercise like walking/jogging,
dancing, aerobics or even gardening, at least
three times weekly, strengthens bones and
muscles. Also, don't smoke, limit alcohol, and
consider supplements of calcium and vitamin
D.
Prescription medications may still be
needed, although your doctor must decide
which of several osteoporosis drugs is right
for you.
Remember, pills never, ever replace
healthy living. Taking care of ourselves every
single day is still the best way to nurture the
amazing architecture of our bones.

■

HU's contributions to Israel and the world are as
wide-ranging as they are impactful.

What's more, when you create a secure AFHU Hebrew

University Gift Annuity—with its high lifetime return, tax

deductions and annuity payments that are substantially
tax - free —
your annuity drives Israeli-led innovation
toward a better future.

Ruth Resnikoff

-----

Learn why Ruth chose her plan.
See a video profile: afhu.org/cga3

Sample AFHU Hebrew University
Gift Annuity Single-Life Rates

Age
67
7o

75
8o
85
90

Rate
6.2%
6.5%
7.1%
8.0%

9.5%

11.3%

Rates are calculated based on a single life.
Cash contributions produce annuity
payments that are substantially tax-free.

AF je H < U

CALL OR EMAIL NOW.
The returns are
generous. The cause
is priceless.

For information on AFHU

Hebrew University

Gift Annuities, please call

AFHU Midwest Region
Executive Director, Judith

Shenkman at (312) 329-0332 or

email: jshenkman@afhu.org

AMERICAN FRIENDS OF
THE HEBREW UNIVERSITY

500 N. Michigan Avenue, Suite 1530

Chicago, IL 60611 • 877-642-AFHU (2348)
athu.org/CGA3

The Hebrew University of Jerusalem

Research engine for the world. Engine of growth for a nation.