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

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My Birthday Present My Birthday Present At A Glance Author rebecca Contact rreilly12@hotmail.com When It just happened Artist andres Studio monster Location san pedro, costa rica My birthday was on April 12th, but I found that I couldn't celebrate it as I was at the time involved in "Hairspray", my high school's musical for the year. My schedule was very hectic and I found that I had forgotten my birthday, and so had my parents. And so time passed, I finished the musical, and I decided that I wanted to give myself a birthday present. Me and some other friends involved in Hairspray found ourselves with nothing to do seeing as all of our time had been spent rehearsing. Yesterday I went with my friend Erica to the mall, and we planned on seeing a movie. We looked at our options for a movie, but our options consisted of idiotic movies, such as Miss Congeniality 2 and Son of the Mask, so we wandered around the mall for a while, had a few cigarettes, and then wandered some more. We were completely bored by this time, but I had to be there until 10:30 to wait for my younger sister who was there with her friends. Suddenly, Erica mentioned the fact that she had always wanted a labret piercing, and I decided on the spot that we should go and get pierced right now, that very day and get back to the mall in time to pick up my sister. I immediately called a cab so that we couldn't back out of it. We waited for the cab and shared a cigarette to calm our nerves, as my hands were already shaking and she said that she had the butterflies. I could relate. We were sitting in the cab and I tried to decide which piercing I would get. I wanted to get a vertical labret, but I had promised another friend that we would do that together, so that was automatically out. My tragus? I had already done my inner conch, and I wasn't in the mood to take care of another thick cartilage piercing in my ear. My nipples are also on the waiting line, but I'm waiting for my best friend to come down so that he can be there. Then it struck me... I should get my nose pierced! My father would kill me. This was to be my first facial piercing and I didn't know how he would react. However, my mother would most likely scold me, but secretly like it. So I decided just to go for it. I was doing it for me. It was my birthday present to myself. We stepped into the mall and I took Erica to Monster, a small store which sells clothes as well as does piercings and tattoos. I always loved the vibe of the store. I walked up to Andres and greeted him. I told him that I would like my nose done and that Erica wanted her labret. Erica wanted to go first because she was afraid that if she saw me do it first, she would chicken out. I'm glad it turned out that way because labret piercings hurt much less than nose piercings, and I didn't want her to be afraid. This was her first major piercing. So I held her hand as he did her piercing. It was done very quickly, and I was up. I sat on a metal stool and waited for him to retrieve the sterilized jewelry. A new needle in a package was produced, as well as many other utensils, including a toothpick so he could mark me. When he did, he asked me to look in the mirror to check and see if I liked it. It looked a bit high up to me, but he was the professional so I just let it go. He took out the needle and I gripped Erica's hand. I closed my eyes, and I felt him place the needle on my nose and break the first layer of skin. "Take a deep breath, and exhale." I was sweating. It was hot in the store, but I knew that I was responsible. "Inhale, Exhale." I tightened my grasp on Erica's hand. "Now take a deep breath and hold it!" Oh no! Panic sets in. He shoved the needle through my nose and man, did it HURT! My eyes were watering and my nose was burning. Then the burning subsided and I opened my eyes. I saw that in the mirror there was a needle sticking out diagonally in my nose. It looked so incredible! But then came the part that I feared the most. I've read on BME that putting the jewelry in hurts the most. It was worse than I expected. I think that the jewelry hurt more than the actual piercing. I was on the second day of my period, so my nose wouldn't stop bleeding. Andres explained it, but I can't quite recall his reasoning. I was too happy to pay proper attention. So Erica and I paid and then went to take pictures of our fresh piercings. I'm looking forward to taking care of it and waiting for it to heal so that I can change the stud. I would have preferred a ring, but that would most definitely be out of the question, both at school and with my parents. Now that I look at it in the mirror, I wish that I had told him to move it a bit lower down, but everybody thinks that it looks good where it is. Disclaimer: The experience above was submitted by a BME reader and has not been edited. We can not guarantee that the experience is accurate, truthful, or contains valid or even safe advice. We strongly urge you to use BME and other resources to educate yourself so you can make safe informed decisions. Return to Nose / Nostril

Housewarming Gift Baskets Articles

Housewarming Gift Baskets - 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. Housewarming Gift Baskets Articles Housewarming Gift Ideas Moving into a new home is a time that's full of possibilies, and we often share in the excitement by taking a housewarming gift to the new homeowners. But what should you give? Here are our favorite, and not so favorite gift ideas for housewarmings....( Continue Reading ) Housewarming Gift Ideas: Continued Here are our favorite, and not so favorite gift ideas for housewarmings....( Continue Reading ) Gift Ideas for Every Occasion Need a special gift for a holiday or special occasion? Get someinspiration from these gift ideas that range from the simple and classic to the unique and do-it-yourself!...( Continue Reading ) Gifts for the New Northwest Home Owner Moving in to a new home, whether you have relocated from another state, or moved down the road, is an exciting time. We have some great gift ideas for a Pacific Northwest housewarming....( Continue Reading ) Machine Embroidery On Unusual Mediums - Special Online Sew News Extra An online extra from Sew News magazine. A sneak peak at the presentation given by Linda Griepentrog, Sew News Editor, at the Sewing & Stitchery Expo titled...( Continue Reading ) Housewarming Gift Baskets Directory Links unique gifts for him great baby gifts food gifts by mail exclusive baby gifts teacher gifts to make gift baskets washington dc get well gifts twin baby gifts gifts for christmas birthday gifts to india gourmet cheese baskets gourmet fruit gift baskets diabetic gift baskets gifts for horse lovers holiday gifts for women wedding gifts for bride bridal attendants gifts holiday baskets nautical gifts wholesale 5th anniversary gifts valentine gifts for mom engagement gifts for men send gifts to bangladesh teen girl gifts network spiritual gifts traditional indian wedding gifts gifts galore indian wedding gifts gift baskets online greeks bearing gifts gift baskets orlando gift baskets for men anniversary gifts for her ten year anniversary gifts romantic gifts for men pregnancy gifts gourmet gift baskets gifts for the office 90th birthday gifts making christmas gifts plastic baskets black greek gifts cheap valentine gifts baby girl gifts gifts 2 india 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

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Gift Ideas - FindGift.com Personalize FindGift.com! -- Login | Sign Up | List of Services Gift Ideas Gift Registry Gift Shops Gift Bookmarks Home | Help keyword search Gift Giving Made Easy! A free service dedicated to helping you find creative gift ideas! Home Services Gift Ideas Gifts by Occasion Anniversary Baby Shower Baptism Bar Mitzvah Bat Mitzvah Birthday Breakup / Divorce Confirmation Family Reunion First Communion Graduation House Warming New Baby Promotion Retirement Wedding Who is the Gift for? Her Him Couple Baby Toddler Child Pre-Teen Teenager for a Pet Client Teacher Express Yourself Cheer Up Congratulations Crazy for You Get Well Girl Power Good Luck I Love You I Miss You I'm Sorry Let's Party Sympathy Thank You Thinking of You Gifts by Type Romantic Personalized Unique Sentimental Wacky Humorous Fashionable Cosmopolitan Spiritual Trendy Healthy Relaxing Inspirational Geeky Gifts by Category Gift Baskets Keepsakes Food Jewelry Regional Gifts Occupational Gifts Bridal Party Gift of the Month Animals Apparel Baby Gear Bath and Body Collectibles Collegiate Advanced Search Gift Finder Gift Wizard FindGift.com helps you find unique gift ideas and connects you to online stores where these gifts are sold. We search the web to bring you great gift ideas! Try our Gift Wizard our newest gift finding technology Gifts in the Spotlight Adventure Tree Fort Picnic Backpack for Two! This Month's Top 20 Gift Ideas... Magic 'I Love You' Bean When We First Met Personalized Book Personalized Name Meaning Certificate Framed Anniversary Print: What Happened When You Married Because Of You Keepsake Sculpture Love Poem for Him Personalized Birthday Chronicle Personalized Turning Old Birthday Wine Bottle Label Romantic Message In A Bottle Your Photo in Pop Art Style Kipling's Famous "If" Personalized Poem Over The Hill Survival Kit "Love Now and Forever" Ring Candlelit Evening Romantic Gift Basket Great Moments are Always Remembered... Poem for Parents When You Marry Humorous Towel Set Personalized Man of the Year Magazine Cover Label Happy Birthday Gift Box Soul Mate Glass Block Popular gift categories: Groomsmen , Bridesmaids , Jewelry Boxes , Parents of Couple , Gift of the Month Clubs , Baby Shower Supplies , Flower Girl , Martini Glasses , Best Man , Firefighter Themed Gifts , Fall Theme , Memory Boxes , Gift Baskets for Kids , Sports Gift Baskets , Bachelorette Party , Golf , Keepsake Picture Frames , Bar / Tavern Signs , Golf Head Covers , Wedding Favors , Children's Jewelry , Fishing , Maid of Honor , Doctor Themed Gifts , Gag Gifts , See all Bosses Day Oct 16, 2005 24 Shopping Days Left Bosses Day Gift Ideas Sweetest Day Oct 15 Halloween Oct 31 More Holidays Seasonal Gifts Wedding Gift Ideas Anniversary Gift Ideas Autumn Theme See this month's Top 20 Gift Ideas Gift Helpers » Anniversary Gifts » Flower Meanings » Monthly Flowers » Monthly Birthstones » Signs of the Zodiac » Additional Resources FindGift.com Newsletter Sign up to receive seasonal and unique gift ideas via email. Email Address Merchant Login | Add Your Products to FindGift.com | Press Room | FAQs | Contact FindGift.com Conditions of Use | Privacy Policy | Site Map © 1997-2005, Registry Online, Inc. FindGift.com and its logo are trademarks of Registry Online, Inc.