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

Valentine Gift

Valentines Day Gifts making valentine gifts  You are here: About > Parenting & Family > Family Crafts > Holidays - Celebrations > Valentine s Day Projects > Valentine s Day Gifts Parenting & Family Family Crafts Essentials Table of Contents Halloween Thanksgiving Christmas Coloring Page Index Articles & Resources Craft Projects by Age Craft Projects by Theme Craft Projects by Type Crafting Tips Crafting for Charity Crafts Techniques 101 Holidays - Celebrations Homemade Gift Ideas Printables - Color Pages Products Recipes Buyer's Guide Before You Buy Top Picks Decoupage Books Puppet Making Books Soap Making Books Product Reviews Articles Forums Help FREE Newsletter Sign Up Now for the Family Crafts newsletter! See Online Courses   Search Family Crafts Valentines Day Gifts Try these free Saint Valentine's Day holiday craft patterns and projects. Use many creative techniques and supplies to make a variety of Valentine's Day gifts for friends and family members. Articles & Resources Sort By : Guide Picks | Alphabetical | Recent Up a category Valentine's Day Gift Ideas Check out these great St. Valentine's Day gifts shared by visitors just like you! Unique, home-made gift ideas for mom, dad, boyfriends, girlfriends, teachers, freinds, anyone! Daily Love Albrightt shares some great suggestions for giving a daily gift of "love" to someone special. Heart Frames Craft From your About.com guide, make a fun heart shaped frame. Heart Necklace From your About.com guide, fun project made out of clay. Heart Pin From your About.com guide, fun jewelry made with a small wooden heart. 44 more Articles & Resources below Articles & Resources more from your guide Hugs Box Gift From your About.com guide, a cute gift idea anyone would love to get, and it's easy to make! Make a Mug Gel Candle These mug candles are made by using a simple candle making technique. They are a very versatile craft and can be changed easily by changing the type of mug and/or the color and scent of the candle. Paper Heart Pin Barb shares instructions for making a heart-shaped pin out of paper. A great gift for Mother's Day or any time! Shiny Picture in a Heart From your About.com guide, instructions to make a fancy framed craft using a cd. Valentine Heart Jar Make this fancy jar that would make a fun gift. Use it as a candy holder or a candle holder! Submitted by visitor 'heavenley treasures'. Valentine Vase and Bouquet From your About Guide, find out how Laura makes a cute vase using toilet tissue rolls! Valentine's Day Bead Patterns Themed list of free beaded safety pin patterns. Change of Heart Purse A beautiful bead covered purse - from Crafts Magazine. Keys to My Heart Rack This wooden key shelf would make a wonderful gift - from Crafts Magazine. Bear Candy Holder Fill our loveable bear's tummy with candy to give it to someone special. Great classroom project! Candy Airplane Assembling this valentine requires a little bit of tricky balancingbut once you catch on, these sweet crafts will be flying from your fingertips. Candy Heart Sachet Make special little candy-filled hearts for everyone you know. Candy Hearts Here's a fun way to give a candy-filled Valentine. Use different shapes for other occasions -- such as a star for a friend's birthday. Candy Holder Necklace This clever candy holder is made from a plastic beanie tag protector. Clear Valentine Heart with Candy Create a clear Valentine heart candy holder for Valentine's Day. This makes a nice Valentine's gift. Cupids Love Brew A great, edible gift using hot chocolate, red peppermint stick, Hershey kisses and an optional red napkin. Dandy Candy Hearts Decorate a styrofoam heart shape with wrapped candies! February Love Greeting Give your sweetheart a daily love message during the month of February with this easy project. Heart Book Pendant Very cute! Create a tiny book, where you can write a special message your Valentine can wear! Heart Box with Photo Fill with candy or a small treasure for someone you love. Heart Woodsies Picture Frame Make this frame using popsicle type sticks and a few other wooden shapes. Hearty Bouquet Offer a bouquet of heart-shaped pencils to someone you love. I Love You Pin Use sign language to say "I love you" with this craft foam pin. Impressed Heart A cute gift idea made using Paperclay. Lace Heart A neat decoration or gift made with lace and stiff wire. Love Bugs A fun Valentine's Day craft made from yarn! Love Potion Perfume Necklaces Little girls and even big girls will love to make and wear these necklaces all year round. Mosaic Heart Box Recycle a heart shaped candy box into a clever mosaic look with this free arts and crafts project. Perler Heart Necklaces Make a pretty heart necklace for all of your friends and family! Use one of the patterns provided here or design your own! Perler Heart-Shaped Boxes Make a heart-shaped box as a gift for someone special this Valentine's Day! Plant Pals A cute idea using popsicle sticks and small heart and cicle shaped pieces of wood. Satin Heart Box By looking at this picture, you would never guess this lovely box was made out of a cereal box! Skill Stick Valentine Box You can use this pretty box to hold your valentines or you can fill it with potpourri and give it as gift. Sweethearts Mini Valentine Frame This is a darling and fun little Valentines Day craft and its not just for kids. Tissue Paper Pins A different ideas using tissue paper and cookie cutters. Valentine Barrettes Decorate plain barrettes with ribbon and a few other supplies. Valentine Bouquet Make a bouquet of hearts using paper, pipe cleaners, and a section of a milk carton. Valentine Coupons A nice assortment of cute coupons to print out and give as gifts. great for kids! Valentine Fortune Cookie Pin Oh so cute! Make fortune cookie pins with a special message for Valentine's Day. Valentine Frame Preserve a memento of love forever with this etched frosted frame. Valentine Stocking Follows the same concept as a Christmas stocking! Valentine's Day Heart Boxes Suggestions for decorating small, heart-shaped boxes. Valentine's Day Pins Make fun jewelry using plaster of paris and candy molds. Valentine's Keepsake Make hand print gifts using clay, plaster, and a heart-shaped container.        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Poll: What would you do with $10 million? 1) Spend it 4) Pay bills 2) Donate 5) Save 3) Invest 6) Not sure Is New York City Safe? Tips for Women Travelling What's Hot Film Containers and Pill Bottle Craft Projects - Trash to Tr... Celebrate the First Day of Autumn in September Special Days to Celebrate on September 20th Halloween Designs - Free Beaded Safety Pin Patterns Halloween Costume Ideas for Couples Headlines Celebrate the First Day of Autumn Celebrate the Autumnal Equinox on September 22 in 2005. Check... Halloween Costume Ideas for 2, 3, 4, or more? These ideas should help spark your creativity whether the Halloween... Empty Film Containers... Do you have ideas for crafts made from empty film... Free Halloween Bead Patterns Check out all these free Halloween related beaded safety pin...

Gifts For Men Articles

Valentines Day Gifts For Men - Gifts BW gifts | gifts Resources | Add URL Wine Gifts & Baskets From the casual wine drinker to the serious enthusiast, we have a gift that will make them smile. Our selection includes premium wine, gourmet baskets, distinctive champagne sets & the very finest California and Northwest wines. Valentines Day Gifts For Men Articles Valentine's Day Gifts for Him Great ideas for gifts for men on Valentine's Day....( Continue Reading ) Valentine's Day Gifts for Him Great ideas for gifts for men on Valentine's Day....( Continue Reading ) Valentine's Day Gifts for Him Great ideas for gifts for men on Valentine's Day....( Continue Reading ) Top Eleven Valentine's Day Gifts A quick list of valentine's gifts... in no particular order of popularity... for both men and women....( Continue Reading ) Valentines Day Perfume Gifts - Perfume for Valentines Day Perfume to give for Valentines Day....( Continue Reading ) Valentines Day Gifts For Men Directory Links corporate business gifts wholesale religious gifts paper anniversary gifts online valentine gifts gifts 50th birthday new york gifts spiritual gifts discovery tool gifts for my boyfriend dragon ball z animated gifts gifts for christmas graduation gifts for guys religious gifts graduation gifts male bushel baskets best guy gifts organic baby gifts simple gifts tab ideas for birthday gifts free valentines gifts how to make christmas gifts adult gift baskets xmas gifts ideas for valentine gifts second anniversary gifts birthday gifts by mail belated birthday gifts garden gifts butterfly gifts gifts flowers wine country gift baskets toys and gifts creative irish gifts dog lover gifts gags and gifts gifts for toddlers personalized gifts promotional gifts pa gift baskets one year wedding anniversary gifts perfect wedding gifts send gifts to dubai christmas gifts for mother gift baskets fruit light house gifts good anniversary gifts Popular Search Terms: Gifts BW © 2004 Gifts BW All trademarks are the property of their respective owners. All Rights Reserved. This site is not related to Brajeshwar or Brajeshwar.com in anyway, shape or form

wedding gifts and discount

A wedding day discount bridal mall for wedding gifts, bridal accessories, wedding planning on a budget. Planning a wedding day on a budget? At A-wedding Day discount shopping mall and wedding planning site, you'll find elegant, unique, hand crafted, personalized wedding gifts and discount bridal accessories. In addition to the familiar brand names, we now offer the 'Collections by Nily' unique and theme wedding accessories. We offer accessories for the wedding or remarriage ceremony and reception and we specialize in family wedding of blending families. Read our wedding planning articles and have your dream wedding. But A-wedding Day is not only for weddings. We also carry gifts for the home, gifts for kids, gifts for men, and gifts for women. Whether for a wedding day or any special occasion, enjoy the convenience of secure on line shopping. Everything is right at your fingertips and FREE SHIPPING * to your door! . A GAN PUBLISHING COMPANY For weddings on a budget Type here to search The Shopping Plaza This site is best viewed at 1024 by 768 resolution in High Color. Home | Discount Shopping Mall | Wedding Planning Blogs | Apply for website award | FREE Membership | About us | FREE Wedding Checklist A-Wedding Day scores Five Stars on Alexa. The Shopping Plaza Discount Wedding Mall Obtaining The Best and Most Unique Was Never Easier! For your convennience we accept A-wedding Day is a Secured site offering the highest encription availale. We use as our secure server. For Privacy Information and Frequently asked Questions Click Here Shop By Item. Accessories for Wedding Albums Aisle Runner Angels Theme Baskets Beach Theme Bells Blending Family Bridal Accessories Bridal Garters Bridal Gloves Bridal Purses Bridal Veils Bridesmaid Gifts Bridesmaid Parasols Butterfly Theme Cake Serving Sets Cake Tops Calla Theme Candles Celtic Centerpieces Christian Collections Crystal frames Crystal Favors Custom Accessories Custom Gifts Country Theme Dolphins Theme Engravable Gifts Fall Theme Family Family Unity Rings Fans Favors Flower Girl Flutes Frames Garters Gifts For Home Gifts For Kids Gifts For Men Gifts For Women Gloves Goblets Gown Preservation Bag Groomsmen gifts Guest Books Hankies Heart Theme Horse Theme Ice Sculpture Molds Invitations Irish Theme Jewelry Jewish Lucky Sixpence Marriage Cert. &Holders Parasols Pens &Pen Sets Personalized Personalized Candles Pew Decorations Pillows Placecard Holders Print your own invitations Purses Ring Pillows Roses Theme Shower Umbrella Silver Accessories Sixpence stationery Table Covers Table decoration Tiaras Time Capsules Umbrellas Veils Wedding Fans Wedding Favors Western Theme Winter Theme Shop By Category. SPECIAL OFFERS GIFTS FOR BRIDES AND GROOMS GIFT CERTIFICATES ACCESSORY COLLECTIONS INVITATIONS and WEDDING STATIONERY FOR THE ENGAGEMENT FOR THE CEREMONY FOR THE RECEPTION THEME WEDDINGS HERITAGE, CUSTOMS, TRADITIONS JEWELRY FOR BLENDING FAMILIES PERSONALIZED ENGRAVABLE SILVER CRYSTAL FAVORS GIFTS FROM BRIDES AND GROOMS DO IT YOURSELF FOR KIDS STILL CAN'T FIND WHAT YOU ARE LOOKING FOR? CONTACT US! : ...Wow! That was a fast reply! Just want you to know that your prompt answers and knowledgeable input are greatly appreciated. It isn't everyone who is willing to take the time to assist others as you do. I highly recommend your site to all wedding professionals and all brides who are planning their weddings. The a-weddingday.com website, you and your staff are truly exceptional! Warmest Regards, Jan Best Thank you so much for your help. You made me feel so much more comfortable. I appreciate it so much, I will be coming back to you soon for my own wedding and will tell everyone I know about you and how great you are. Thanks again, Tiffany Hi!! I just wanted to let you know how satisfied I am with your product and service! I was so happy to see the my plate arrived to my home within 4 days of purchase! Plus, I was impressed with the sixpense! I really do appreciate what you have done and I'll be sure to spread the word to others about how wonderful your service is!! Thank you, Natalie Baker, To Tell Your Friends, Click here Press Releases NEW In addition to Brand Names, we now offer A-wedding Day Originals Wedding Accessories By Nily Unique and Theme Wedding Accessories of the Highest Quality, at the Lowest Prices. Currently Available Only at A-wedding Day, Where you get more for your money Back to Basics! Imagine! Wedding gifts and accessories for $10,00 USD. Order $100.00 or more for FREE S/H within the Continental USA. We specialize in weddings and blending families In fact, our own Nily Glaser will be a key-note speaker at the upcoming convention of the National Association of Wedding Professionals - NAWP in October 2005, in Florida. Her topic "Blended Family Weddings" . We are greatful to those serving our country! Any order placed by active military personnel will receive 10% off - at checkout. Be A Winner! Sign up for a $25 Shopping Spree! And Other Prizes! It is FREE! Check A-wedding Day for information and wedding ideas to: Plan your wedding! Be Informed! Be Prepared! SAVE! You want the very best for your dream wedding! Be choosy! Learn how to choose and how to work with wedding vendors, wedding service providers and professionals. Shop at our bridal discount shopping mall to SAVE! We pay s/h on all orders over $100.00 shipped within the Continental USA! UNIQUE WEDDING ACCESSORIES COLLECTIONS: Whether your wedding is traditional, modern, theme, ethnic or a combination, our unique ensembles will satisfy every taste and style. PERSONALIZED GIFTS AND WEDDING ACCESSORIES Whether you are looking for personalized gifts for your wedding attendants, or personalized wedding accessories,you have come to the right place. our selection includes simple and elegant, unique, even one of a kind.All at discounted prices. ENGRAVED AND ENGRAVEABLE PERSONALIZED GIFTS Whether given as gifts to the bride and groom, or from the bride and groom, engraved PERSONALIZED gifts hold memories and are treasured KEEPSAKES. PERSONALIZED ENGRAVEABLE RING Exclusive to A-wedding Day! Our sterling silver three rings in one ring is ideal for blending families. It makes a great gift for moms, dads and grandparents. Each of the 3 rings can be engraved with a name, a word or a date. WEDDING GOWN CARRYING AND PRESERVATION BAG. Hang the wedding gown bag in your closet. check your gown anytime and save money too. PRINT YOUR OWN PERSONALIZED WEDDING STATIONERY and SAVE! Our make your own invitations and stationery kits are lazer and ink jet compatible. Just wanted to let you know I received the second red rose wedding album. Nande was such a help with this order, it's almost unbelievable. This is the kind of customer service you rarely find these days... I think you actually lost money on my order, but know that you have a loyal customer for life. I will be sure to tell everybody I know that you stand by your word and will go to whatever measure is possible to keep your customers 100% satisfied! Aloha and Mahalo (thank you)! Kristina, Hawaii Be Informed subscribe to Our Informative Bulletin. Please fill out the form and press the Submit button to activate *First Name: *Last Name: *Groom: *Email: *Wedding Date: *City: *State: Tell your friends If you are a shopper, concerned about secure on line shopping on the Internet, you MUST Read this free article! IMPORTANT NOTICE!!! Do NOT open any Email attachments. For everyone´s protection, A-wedding Day DOES NOT send out any Email messages containing attachments! Every Email we do send is scanned and protected by Norton. This site was last modified on . Click Here to The Ultimate custom personalized unity candles and candles for every occasion A LUCKY SIXPENCE a bridal sixpence for a bride's shoe AVAILABLE HERE! Register to win a 7 Night Dream Cruise to the Caribbean or Mexican Riviera No purchase required from the Wedding and Bridal Association of America. DO IT YOURSELF Make Your Own Ice Sculptures Centerpieces and SAVE! DO IT YOURSELF Print Your own invitations and stationery and SAVE! CUSTOM HANDCRAFTED Satin covered wedding albums By Unique Creations Special discount for our visitors It's all in A-Wedding Day. Ask The Experts FREE Checklist FREE Reminder Service Social Security Community Poems Articles Customs & Traditions Recipes For Grooms Theme Weddings wedding themes Craft Corner Bridal Showers Book Store Bridal Shows Re-marriage articles Remarriage, Kids and Blending Families remarriage planning articles Artisan's Village Our top wedding links General Links Planning Tips Shower Games Recommend wedding related web sites you consider as deserving of the Gold Medal of Excellence AWARD! Click here for more information This is the first website in 6 months that I have found to be sooooo extremely helpful and stress releiving... I can't beleive how many things I have found throught this site. Thank you so much, Tammy A-wedding Day is A Home | Shopping Mall | FREE Membership | List in the Wedding Resource Directory | What others say | About us | Contact us | . This site ©1999-2005 ALL RIGHTS RESERVED to A-WEDDING DAY.COM A GAN PUBLISHING COMPANY. You have a beautiful website... it is easy to navigate, is straight forward, has good content is easy to look at and is informative. Mark B. Ohio; Thanks for putting such a useful site on the Web It Looks Great! I would really appreciate it if you could give me a heads up if you move or change link locations, or if you post any new material that you think my visitors would be interested in. Will Podolak Dan Glaser, Webmaster A-Wedding Day Logo by graphic artist Daniel Lombardi

Gifts for Women Gifts

Women's Jewelry – Women's Bracelets - Unique Gifts, Personalized Gifts, Luxury Gifts - RedEnvelope -- Gifts Gifts by Recipient Gifts for Women Gifts for Women – Jewelry + Accessories -- Women's Jewelry – Women's Bracelets RedEnvelope is your source for women's jewelry and women's bracelets . Make her sparkle with a gift from our exquisite collection of Jewelry + Accessories gifts for her. Our women's jewelry assortment includes pearl necklaces, fashion earrings, chokers and women's bracelets . Below you will find a unique assortment of Jewelry + Accessories gifts for women that will help you find the perfect women's jewelry or women's bracelets for her. 1 2 3 showing items 1 - 32 of 95 heart of gold necklace peridot horseshoe necklace silver-plated jewelry box cherry blossom pajamas pink pearl illusion necklace cherry blossom robe generations necklace embrace life necklace peridot + pearl bracelet gray pearl illusion necklace amethyst friendship bracelet luck toggle bracelet anything is possible cuff ladybug bracelet pink chenille lounging jacket pink ladybug bracelet hooded robe murano glass heart necklace temptation key chain stacking jewelry box meanings of friendship bracelet diamond wreath necklace diamond initial necklace key to success necklace diamond heart diamond key to my heart diamond xo necklace cardigan initial pin believe necklace jeweled barrettes butterfly pajamas celtic eternity bracelet 1 2 3 showing items 1 - 32 of 95 -- View our collection: Gifts For Women , Wine Accessories , Bath Sets , Women's Gifts , FlowerGift Baskets , PorchSwings , BirthdayGift Basket , HomeGifts , Women's Jewelry , Romantic Gifts . -- Gifts by Occasion • Gifts by Recipient • Online Gifts by Shops • Corporate Gifts Last Minute Gifts • Anniversary Gift Guide • Birthflowers Gift Guide • Birthstones Gift Guide -- ©2005 RedEnvelope, Inc. All rights reserved. The RedEnvelope mark and logo are trademarks of RedEnvelope, Inc. Index .