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Skidmore College - Gift Planning - Life Income - Charitable Remainder Trust Search | Calendar | A-Z Index Thu Sep 22 5:37 PM EDT Skidmore Home | Admissions | Current Students | Faculty & Staff | Parents & Friends | Alumni Wills and Bequests Life Income Gifts More Gift Options Breaking News To Honor Donors Bring Legacy to Life! Scribner House Contact Our Staff Gift Planning Home STANDARD MAIL 815 North Broadway Saratoga Springs, New York, 12866 GIFT PLANNING PHONE 518-580-5655 E-MAIL CONTACT Gift Planning Gift Planning Life Income Gifts - Charitable Remainder Trust Commonly known by its acronym, CRT, the charitable remainder trust is a valuable estate and financial planning tool that also helps donors fulfill philanthropic objectives. A donor can fund a CRT with cash or securities. The CRT will provide a stream of income to one or more recipients (a donor and spouse, for example) for life or for a fixed period up to 20 years. The trust ends when the income recipient(s) pass away or when the fixed period has ended. The remaining trust assets are then distributed to Skidmore, and other charitable recipients, if named, to be used in a manner determined by the donor when the trust was created. It is also possible to use real estate to fund a CRT. Life income payments can be made two ways: as a percentage of the trust assets as revalued annually (this is known as a unitrust, or CRUT) or by paying a fixed percentage of the original trust principal (this is known as an annuity trust, or CRAT). The unitrust provides a variable payment, while the annuity trust provides a fixed payment. Trusts are usually funded with a minimum of $100,000. Donors usually experience an increase in yield on the assts. Other advantages include an immediate charitable income tax deduction, avoidance of capital gains tax if appreciated assets are used to fund the trust, possible estate tax savings, and the creation of a legacy through your wonderful gift to Skidmore. Many donors use their tax savings to purchase a life insurance policy to replace for their heirs the assets used to fund the CRT. Please call or email to learn more. Bring Legacy to Life! Philanthropy • Legacy • Security The Office of Gift Planning urges donors to consult their legal and other professional advisors when considering charitable gift giving. Our staff is always pleased to work directly with donors and their advisors during the process. Creative Thought Matters. Skidmore College · 815 North Broadway · Saratoga Springs, NY · 12866 Skidmore College Main Links ©2005 Skidmore College · Contact Information Skidmore Home | Admissions | Current Students | Faculty & Staff | Parents & Friends | Alumni

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Traditional wedding anniversary gifts Traditional wedding anniversary gifts A traditional gift guide for wedding anniversaries, including modern gifts lists, and creative ideas for thoughtful and memorable gift giving. When Mrs. Emily Post penned her first etiquette book in 1922, she offered a guide to appropriate anniversary gift giving for the first, fifth, tenth, fifteenth, twentieth, twenty-fifth and fiftieth years of marriage. Gifts in the early years of marriage were small remembrances, or tokens, such as paper (1st), wood (5th), and tin (10th). In later years of matrimony, gifts gained value, including crystal (15th), china (20th), silver (25th) and gold (50th). Mrs. Post commented on the light-hearted nature of early anniversary gift giving, saying "the paper, wooden and tin presents are seldom anything but jokes. Crystal is the earliest that is likely to be taken seriously by the gift-bearers." By the time her etiquette tome was reprinted in 1957, Mrs. Post commented on the growing importance of wedding anniversary celebrations in America and the greater trend toward gift giving by family and friends. She reported that the traditional gift list had been expanded to include more anniversary years, and that modern alternatives to traditional gifts had become socially acceptable. The traditional and modern anniversary gift guides have changed very little during the past half-century and include recommended gifts for each of the first fifteen years of marriage and for every five years after that. Year Traditional Modern 1st Paper Clocks 2nd Cotton China 3rd Leather Crystal or Glass 4th Fruit or Flowers Appliances 5th Wood Silverware 6th Candy or Iron Wood 7th Wool or Copper Desk Sets 8th Bronze or Pottery Linen or Lace 9th Pottery or Willow Leather 10th Tin or Aluminum Diamonds 11th Steel Fashion Jewelry 12th Silk or Linens Pearls 13th Lace Textiles or Fur 14th Ivory Gold Jewelry 15th Crystal Watches 20th China Platinum 25th Silver Silver 30th Pearls Pearls 35th Coral Jade 40th Rubies Rubies 45th Sapphires Sapphires 50th Gold Gold 55th Emeralds Emeralds 60th Diamonds Diamonds Whether the giver selects from the traditional or modern gift list, anniversary gift giving offers opportunities for creativity and originality. The first year anniversary is often difficult for those who prefer to give traditional gifts. But with a little creativity, paper can be a lovely and memorable gift for a couple celebrating the first year of marriage. Token gifts can include anniversary cards, designer decorated paper plates and napkins, books and elegant writing paper. For those searching for a larger gift for a special couple, first year paper gifts can include tickets to events or certificates for romantic dinners at favorite restaurants. The gift giver might elect to combine traditional and modern gifts, presenting the anniversary couple with a certificate for a weekend stay at a country bed and breakfast accompanied by a sleek, modern travel alarm clock. For a very special couple, remember that airline tickets to faraway resorts are printed on paper, too. For most gift givers, the traditional list offers the most challenges. But it also offers opportunities for giving truly thoughtful and exciting gifts that will be remembered for years. One gift giver facing the fourteenth anniversary of her sister and brother-in-law was stumped by ivory. For the previous thirteen years, she had used the traditional list as her guide. Giving from the traditional list had, in fact, become her own tradition. She was not about to let it end. After much thought and browsing through stores and on the Internet, she settled on a set of twelve ivory colored dinner napkins in a heavy patterned silk. The gift was a hit and the tradition of giving traditional gifts was maintained. Anniversaries are a special time for the couples who celebrate them. They are made more special by the thoughtfulness of friends and family who remember the couple with gifts --large or small, traditional or modern. Start your own tradition by remembering anniversaries and marking them with traditional or modern gifts, or creative combinations from both lists. Traditional and modern gift combination ideas for the early years: 1st - Combine a gift subscription to a morning newspaper with a bedside alarm clock. (Paper/Clock) 2nd - Fold brightly colored cotton napkins inside oversized his and hers coffee cups and saucers. (Cotton/China) 3rd - Accompany a set of beer glasses with tooled leather drink coasters. (Leather/Crystal or Glass) 4th - Place a bouquet of seasonal flowers in a blender or other kitchen need. (Fruit or Flowers/Appliances) 5th - Combine a wood serving block pretty enough for a party table with cheese cutters or other silver serving pieces.(Wood/Silverware) 6th - His and hers golf clubs are one way to combine iron(s) and wood(s). Or present a couple's favorite candies in a velvet-lined wooden keepsake box. (Candy or Iron/Wood) 7th - Accompany a woolen "throw" or blanket in a rich plaid with an antique or reproduction lap-top writing desk. (Wool or Copper/Desk Sets) 8th - Pair a pastel linen tablecloth or placemats with pottery dinnerware for casual dining. (Bronze or Pottery/Linen or Lace) 9th - Place a leather cushion on a willow (rattan-like) chair or foot stool. (Pottery or Willow/Leather) Written by Victoria Carroll - © 2002 Pagewise You are here: Essortment Home >> Lifestyles & Relationships >> Etiquette:General >> Traditional wedding anniversary gifts << E mail etiquette and common sense Proper etiquette for visiting hospital patients >>