College Gift Annuity is

Giving to Amherst: Charitable Gift Annuities Amherst College Site Map Search Amherst College > Alumni & Parent Programs > Giving PlannedGifts > Charitable Gift Annuities Want to learn more about tax savings and benefits based on your own situation? Without obligation, let GiftCalcs help you do your own calculations. Charitable Gift Annuities Among this nation's oldest and most popular planned gifts, charitable gift annuities offer a wonderful opportunity to provide for a generous future gift to Amherst. In a slowing economy with lowering interest rates, this option may be an excellent way to balance your portfolio. A charitable gift annuity represents a contract between a donor and the College by which the College agrees to pay the donor and/or other named beneficiaries a fixed income each year for the lifetime of those named in the contract (the annuitant ( s )). This payment is secured by the full assets of Amherst College and will not change regardless of fluctuations in the stock market or the economy in general. Minimum Gift Amount Income Based on Age of Annuitant Tax Advantages of Gift Annuities Special Consideration with Gifts of Appreciated Property Minimum Gift Amount The minimum gift to create an Amherst College Gift Annuity is $10,000. Contributions can be in the form of cash, appreciated securities or mutual fund shares, or other property acceptable to the College. All gifts of appreciated property should be held long term by the donor (at least a year and a day). Because each gift annuity is a separate contract, additional annuities must also be for $10,000 or more. Income Based on Age of Annuitant The amount of income Amherst will pay depends on the age of the annuitant at the time the contract is issued. The older the annuitant, the greater the amount of income. A single annuitant, age 65, will receive an annuity rate of 5.7%; an 80-year-old annuitant will receive an 7.6% annuity rate. The highest annuity rate the College offers is 9.5%. Annuities based on two lives (most commonly a husband and wife) are also available, but the rates are generally lower. Any person named as an annuitant must be 60 years of age or older. (Additional information is available on the Amherst College Gift Annuity rate table .) Tax Advantages of Gift Annuities A charitable gift annuity is actually part gift and part purchase of a lifetime annuity contract from the College. The portion that represents a gift to the College is deductible on your federal income tax return if you itemize your deductions. The size of the deduction is determined by the age of the annuitant, the amount of the gift, and a monthly interest rate factor provided by the IRS. (Here are some sample deductions .) Gift annuities also offer the opportunity to receive income on a tax-favored basis. When the annuity is funded with cash, a significant portion of the income is treated as tax-free return of principal over the annuitant's life expectancy. When appreciated securities or other assets are used to fund the annuity, the income will be taxed as tax-free income, capital gain income and ordinary income, once again generally over the life expectancy of the annuitant. Special Consideration with Gifts of Appreciated Property Gift annuities are treated differently from other life income gifts for capital gains tax purposes. At the time the contract is issued, that portion of the capital gain attributable to the annuity is taxable to the donor. If the donor is the income beneficiary of the annuity, the capital gain is spread out over the donor's life expectancy, and taxed at the 15% capital gains tax rate. Updated 9/4/03 If you would like to learn more about planned gifts at Amherst, please contact Timothy A. Neale '70, Director of Planned Gifts, (413) 542-8256, plannedgifts@amherst.edu . Information contained in this Website should not be considered legal, accounting, or other professional advice. Individuals considering a planned gift to Amherst should consult with their financial advisor. << Return to Planned Gifts Homepage

gift ideas! Home Services

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Creative Baby Shower Gifts, Baby Shower Gift Ideas, Baby Shower Packages,Baby diaper cakes. Choose from a 1, 2 and 3 layer baby diaper cake. Baby diaper cakes are functional and beautiful and make a welcome baby gift -- Baby Dream Gifts Our Top Selling Items Unique Baby Gifts Cribs,Cradles,Bassinets & Crib Mattresses Crib Bedding Sets & Blankets Bedroom Sets & Accessories Changing Tables, Dressers, Hampers & Diaper Genie Covers Sexy Maternity/Nursing Wear Car Seats, Boosters & Carriers Baby Strollers Jogging Strollers Baby Shower Diaper Cakes & Supplies Baby Gift Baskets Designer Diaper Bags Gifts for Daddy Gifts for Mommy Activity Seats, Swings, Clocks, Lamps Baby Health & Safety Gifts Doll Houses, Piano's, Tents & Play Furniture Clothing for Girls Clothing for Boys Play Pen's & Play Yards & High Chairs Paintings, Wall Hangings & Frames Rugs for Babies & Toddlers Twin Beds & Twin Bedding Silver, Pewter & Personalized Gifts Pedal Cars, Planes & Wagons Rocking Chairs, Animals, Carousel Horses Special Needs Strollers Special Needs Seats Toys Missions We Support Links to Missions & Friends Join our mailing list All Occasion Gift Registry One registry for all your gifts, all your occasions, whether its a birthday, a wedding, etc. Click here to sign up Click here to log in More Information Search for a registry Firstname Lastname Home :: Baby Shower Diaper Cakes & Supplies Baby Shower Diaper Cakes & Supplies 50% of the profits from our store support various missions around the world. Now Playing Soothing lullaby music Featured in 'Parenting' You must enable Javascript to see the advanced sorting and paging features of this store. . Winnie the Pooh Baby Cakes Baby Butterflies Baby Cake Precious Moments Baby Cake Beep Beep Baby Cakes Fire Doggies Baby Cakes Firefighter Baby Cake Flower Baskets Baby Cake Lady Buggys Baby Cake Prince/ Princess Baby Cakes Nursery Rhymes Baby Cake Noah's Ark Baby Cakes 1 Tier Baby Cake 2 Tier Baby Cake Baby Love Baby Cakes Barnyard Baby Cakes Cowboy Baby Cakes Cuddle Bug Baby Cakes Diaper Diaper Cakes Froggy Baby Cake Jungle Animals Baby Cake Labor Day Cake-For the Expecting Mom Personalized Baby Cakes Rubber Ducky Baby Cakes Sports Themes Baby Cake Under the Sea Baby Cakes Two Tier Christmas Baby Cake Fire Fighter 4 Tier Cake by Diaper Cake Depot (Also 1,2 & 3 Tier) Noah's Ark 4 Tier Cake by Diaper Cake Depot ( 1,2 & 3 Tier also) Baby Einstein 4 Tier Cake by The Diaper Cake Depot (Also 1, 2 & # Tier) Got Milk 4 Tier Cake by The Diaper Cake Depot (Also 1, 2 & 3 Tiers) Pooh Bear 4 Tier Diaper Cake by The Diaper Cake Depot (Also in 1, 2 & 3 Tier) Twins Diaper Cake by Cellophanes Baby Shower Hostess Basket by Party Prep Baby Shower Memory Book by Party Prep Two Layer Diaper Cake Burt's Bees by Cellophanes Baby Shower Message Cameras Baby Fairies Shower In A Box (16 pc) Washcloth Bouquets (10) Little Angel Baby Shower Favors Baby Blooms (10) Cowboy Shower in a Box (16pc) Noahs Ark Shower In A Box (16 pc) Flower Baskets Shower In A Box (16pc) Lady Buggys Shower in a Box (16pc) Moon and Stars Shower in a Box (16pc) Nursery Rhymes Shower in a Box (16pc) Pitter Patter Shower in a Box (16pc) Looney Tunes Shower In A Box Pooh Shower In A Box (16pc) Rubber Ducky Shower in a Box (16pc) Baby Blocks Shower Favor (12) Angel Magnet Favor (12) Baby Bootie Shower Favor (12) Simple 2 Tier Diaper Cakes by Sweet Ember's 4 Tier Simply Diaper Cakes by Sweet Ember's Bath Time Wreath by Sweet Ember's Play Time Wreath by Sweet Ember's Rattle Wreath by Sweet Ember's Cupcake Diaper Cakes by Sweet Ember's 3 Tier Simple Diaper Cake by Sweet Ember's Pink Baby Gift Set in Bottle Bank by Sweet Ember's Pink Baby Bottle Gift Set by Sweet Ember's Blue Baby Bottle Gift Set by Sweet Ember's . Home | About Us | Privacy | Contact Us | Site Map | View Cart © 2005 - All Rights Reserved Developed by Solid Cactus site design by EYStudios

Great Gifts

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Wildlife Woodline Floors Woolovers WorldGallery.co.uk XLShop Yoga-ez Your Price Furniture Order by Price Product Name Category Brand Merchant Min Price Max Price Visit Our AMAZON Shop Categories Activity Days Baby Gifts Balloons Beauty and Cosmetics Book Gifts Chocolate Gifts Clothing Gifts Computer Hardware Computer Software Concert Tickets DVD and Video Gifts Electrical Experience Days Flowers Food & Drink Gadgets Greeting Cards Health Products Home & Garden iPod Gifts Jewellery Gifts Lingerie Gifts Mobile Phone Gifts MP3 Players Gifts Music Gifts Perfume & Aftershave Roses Sportsgear Teddy Bears Toys & Games Unusual Gift Ideas Features Online v The High Street Why This Site Exists Link to Us UK Shop Directory Gift Links UK 1 Gift Links UK 2 Gift Links UK 3 Gift Links UK 4 Gift Links UK 5 Gift Links UK 6 Gift Links UK 7 Gift Links USA 1 Gift Links USA 2 Gift Links USA 3 Gift Links USA 4 Gift Links USA 5 Gift Links USA 6 Gift Links USA 7 Gift Links USA 8 Gift Links USA 9 Gift Links USA 10 Gift Links USA 11 Gift Links USA 12 Gift Links USA 13 Gift Links USA 14 Gift Links USA 15 Gift Links USA 16 Gift Links USA 17 Gift Links USA 18 Gift Links Worldwide Miscellaneous Links Miscellaneous Links 2 Miscellaneous Links 3 Miscellaneous Links 4 Contact Us Welcome to GiftHunters - Great Gift Ideas Hi, Have you seen a Wasgij ? (That's Jigsaw spelt backwards). A great gift idea for any jigsaw fan. Check out I Want One of Those's NEW website . Have you seen the Chocolate Fountain ? for all budding Willie Wonkas out there! Looking for Activity Days? Try our activity days section ( hot air balloon flights , Ferrari drives , Pamper Days etc). We're doing a lot of work on this section of the site over the coming weeks in order to make it easier for you to find just the Experience Day you're searching for! Much of the content on this page is randomised so that it throws up gift ideas you may not have even thought about. Try Clicking here to be presented with a completely different set of gift ideas. Happy Gift Hunting!!! As always, don't forget to send a Greetings Card! Gift Idea from BuyaGift Dragster Experience £799.00 from BuyaGift Visit the BuyaGift Website Gift Idea from Firebox Play Off Ice Hockey(Spare Team - USA) £9.95 from Firebox Visit the Firebox Website Jewellery Gift Idea 5mm 2 Colour Pattern Heavy Spinning Centre Wedding Band in Gold £179.00 from Jewellery.tv Visit Jewellery.tv for more Jewellery Gift Ideas Gift Idea from Need A Present Relaxation Gift Pack £14.99 from Need A Present Visit the Need A Present website. --