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Covenant Bible College - Gift Acceptance Guidelines Giving to CBC | Contact Us Home The CBC Experience CBC Canada CBC Colorado CBC Ecuador Admissions Alumni Beyond CBC The Worship Center Gift Acceptance Guidelines Covenant Bible College, a not-for-profit organization organized under the laws of the State of Colorado and recognized as a charity in Canada, accepts gifts to Covenant Bible College and Covenant Bible College Foundation (hereinafter referred to as CBC) for purposes that will help CBC to further and fulfill its mission. The following policies and guidelines govern acceptance of gifts made to CBC or for the benefit of any of its programs. The mission of Covenant Bible College is to equip men and women to live as disciples of Jesus Christ. Purpose of Policies and Guidelines The Board of Directors of CBC and its staff solicit current and deferred gifts from individuals, corporations, and foundations to secure the future growth and missions of Covenant Bible College. These policies and guidelines govern the acceptance of gifts by CBC and provide guidance to prospective donors and their advisors when making gifts to CBC. The provisions of these policies shall apply to all gifts received by CBC for any of its programs or services. Use of Legal Counsel Covenant Bible College shall seek the advice of legal counsel in matters relating to acceptance of gifts when appropriate. Review by counsel is recommended for: Closely held stock transfers that are subject to restrictions or buy-sell agreements Documents naming CBC as Trustee Gifts involving contracts, such as bargain sales or other documents requiring CBC to assume an obligation Transactions with potential conflict of interest that may invoke IRS (Internal Revenue Service) or CCRA (formerly "Revenue Canada") sanctions Other instances in which the use of counsel is deemed appropriate by the Gift Acceptance Committee Conflict of Interest CBC will urge all prospective donors to seek the assistance of personal legal and financial advisors in matters relating to their gifts and the resulting tax and estate planning consequences. CBC will comply with the Model Standards of Practice for the Charitable Gift Planner promulgated by the National Committee on Planned Giving (for US gifts) and the CICA (Canadian Institute of Chartered Accountants) Handbook. Restrictions on Gifts CBC will accept unrestricted gifts, and gifts for specific programs and purposes, provided that such gifts are not inconsistent with its stated mission, purposes, and priorities. CBC will not accept gifts that are too restrictive in purpose. Gifts that are too restrictive are those that violate the terms of the corporate charter, gifts that are too difficult to administer, or gifts that are for purposes outside the mission of CBC. All final decisions on the restrictive nature of a gift, and its acceptance or refusal, shall be made by the Gift Acceptance Committee of CBC. The Gift Acceptance Committee The gift acceptance committee shall consist of the members of the CBC Foundation board. Ex-officio members shall include the Executive Director of the CBC Foundation and the President of the College. The gift acceptance committee is charged with the responsibility of reviewing all gifts made to CBC, properly screening and accepting those gifts on behalf of CBC, and making recommendations to the CBC International Board on gift acceptance issues when appropriate. Types of Gifts The following gifts are acceptable: Cash Tangible personal property Securities Real Estate Remainder interests in property Oil, gas, and mineral interests Bargain sales Life insurance Charitable Gift Annuities (US-source income; through CTC) Charitable Remainder Trusts Retirement Plan Beneficiary Designations Bequests Life Insurance Beneficiary Designations The following criteria govern the acceptance of each gift form: Cash Cash is acceptable in any form. Checks shall be made payable to Covenant Bible College or Covenant Bible College Foundation or to any CBC campus. Loose change (offerings) shall be collected and recorded according to cash handling procedures. Tangible Personal Property All other gifts of tangible personal property shall be examined in light of the following criteria: Does the property fulfill the mission of CBC? Is the property marketable? Are there any undue restrictions on the use, display, or sale of the property? Are there any carrying costs for the property? The final determination on the acceptance of other tangible property gifts shall be made by the Gift Acceptance Committee of CBC. Securities CBC can accept both publicly traded securities and closely held securities. Marketable securities may be transferred to an account maintained at one or more brokerage firms or delivered physically with the transferor's signature or stock power attached. As a general rule, all marketable securities shall be sold upon receipt unless otherwise directed by the CBC International board. In some cases, marketable securities may be restricted by applicable securities laws; in such instance the final determination on the acceptance of the restricted securities shall be made by the Gift Acceptance Committee of CBC. Closely held securities, which include not only debt and equity positions in non-publicly traded companies but also interests in LLPs and LLCs or other ownership forms, can be accepted subject to the approval of the Gift Acceptance Committee of CBC. However, gifts must be reviewed prior to acceptance to determine that a) there are no restrictions on the security thatwould prevent CBC from ultimately converting those assets to cash, b) the security is marketable, and 3) the security will not generate any undesirable tax consequences for CBC. If potential problems arise on initial review of the security, further review and recommendation by an outside professional may be sought before making a final decision on acceptance of the gift. Professionals at the Covenant Trust Company and National Covenant Properties may be consulted in these matters. The final determination on the acceptance of closely held securities shall be made by the Gift Acceptance Committee of CBC and legal counsel when necessary. Every effort will be made to sell non-marketable securities as quickly as possible. Real Estate Gifts of real estate may include developed property, undeveloped property, or gifts subject to a prior life interest. Prior to acceptance of real estate, CBC shall require an initial environmental review of the property to ensure that the property has no environmental damage. In the event that the initial inspection reveals a potential problem, CBC shall retain a qualified inspection firm to conduct an environmental audit. The cost of the environmental audit shall generally be an expense of the donor. When appropriate, a title binder shall be obtained by CBC prior to the acceptance of the real property gift. The cost of this binder shall generally be an expense of the donor. Prior to acceptance of the real property, the gift shall be approved by the Gift Acceptance Committee of CBC and by CBC's legal counsel. Criteria for acceptance of property shall include: Is the property useful for the purposes of CBC? Is the property marketable? Are there any restrictions, reservations, easements, or other limitations associated with the property? Are there carrying costs, which may include insurance, property taxes, mortgages, or notes associated with the property? Does the environmental audit reflect that the property is not damaged? Remainder Interests in Property CBC will accept a remainder interest in a personal residence, farm, or vacation property subject to the provisions of the Real Estate section above. The donor or other occupants may continue to occupy the property for the duration of the stated life. Generally, the occupant would agree to pay for the utilities supplied and the maintenance of the property during the occupancy period. CBC would be responsible for insuring the property and for taxes. At the death of the donor, CBC may use the property or reduce it to cash. Oil, Gas, and Mineral Interests CBC may accept oil and gas property interests, when appropriate. Prior to acceptance of an oil and gas interest, the gift shall be approved by the Gift Acceptance Committee, and if necessary, by the Foundation's legal counsel. Criteria for acceptance of the property shall include: Gifts of surface rights should have a value of $20,000 or greater. Gifts of oil, gas, and mineral interests should generate at least $3,000 per year in royalties or other income (as determined by the average of the three years prior to the gift). The property should not have extended liabilities or other considerations that make receipt of the gift inappropriate. A working interest is rarely accepted. A working interest may only be accepted when there is a plan to minimize potential liability and tax consequences. The property should undergo an environmental review to ensure that CBC has not current or potential exposure to environmental liability. Bargain Sales CBC will enter into a bargain sale arrangement in instances in which the bargain sale furthers the mission and purposes of CBC. All bargain sales must be reviewed and recommended by the Gift Acceptance Committee and approved by the CBC International Board of Directors. Factors used in determining the appropriateness of the transaction include: CBC must obtain an appropriate independent appraisal substantiating the value of the property. If CBC assumes debt with the property, the debt ratio must be less than 50% of the appraised market value. CBC must determine that it will use the property, or that there is a market for sale of the property allowing sale within 12 months of receipt. CBC must calculate the costs to safeguard, insure, and expense the property (including property tax, if applicable) during the holding period. Life Insurance CBC must be named as both beneficiary and irrevocable owner of an insurance policy before a life insurance policy can be recorded as a gift. The gift is valued at its interpolated terminal reserve value, or cash surrender value, upon receipt. If the donor contributes future premium payments, CBC will include the entire amount of the additional premium payment(s) as a gift in the year that payment(s) is/are made. If the donor does not elect to continue to make gifts to cover premium payments on the life insurance policy, CBC may a) continue to pay the premiums, b) convert the policy to paid up insurance, or c) surrender the policy for its current cash value. Charitable Gift Annuities CBC is not licensed to offer charitable gift annuities. Donors with US-sourced income may establish gift annuities that benefit CBC through the Covenant Trust Company. Charitable Remainder Trusts CBC may accept designation as remainder beneficiary of a charitable remainder trust with the approval of the Gift Acceptance Committee. CBC will not accept appointment as Trustee of a charitable remainder trust. Under Canadian law, a charitable remainder trust is an irrevocable trust where the capital beneficiary is the charity. Canadian tax law is different than US tax law in relation to the tax treatment of gifts of a residual interest to a charity. In both countries, the donor is considered to have made a gift of the residual interest in the trust. However, a transfer of appreciated capital property to such a trust would result in a capital gain on which the settler would be taxed in Canada, whereas no tax would be payable in the US on a transfer of long-term capital gain property. The value of the property passing to the charity on the death of a US settler would be added to the taxable estate of the US settler, but a full deduction would be allowed for estate tax purposes. This no income or estate tax is payable in connection with a transfer of an appreciated long-term capital gain property to a charity for US tax purposes. Charitable Lead Trusts CBC may accept a designation as income beneficiary of a charitable lead trust. CBC will not accept an appointment as Trustee of a charitable lead trust. Retirement Plan Beneficiary Designations Donors and supporters of CBC will be encouraged to name CBC as beneficiary of their retirement plans. Such designations will not be recorded as gifts to CBC until such time as the gift is irrevocable. When the gift is irrevocable, but is not due until a future date, the present value of that gift may be recorded at the time the gift becomes irrevocable. Bequests Donors and supporters of CBC will be encouraged to make bequests to CBC through their wills and trusts. Such bequests will not be recorded as gifts to CBC until such time as the gift is irrevocable. When the gift is irrevocable, but is not due until a future date, the present value of that gift may be recorded at the time the gift becomes irrevocable. Life Insurance Beneficiary Designations Donors and supporters of CBC will be encouraged to name CBC as beneficiary or contingent beneficiary of their life insurance policies. Such designations shall not be recorded as gifts to CBC until such time as the gift is irrevocable. When the gift is irrevocable, but is not due until a future date, the present value of that gift may be recorded at the time the gift becomes irrevocable. Miscellaneous Provisions Securing appraisals and legal fees for gifts to CBC It will be the responsibility of the donor to secure an appraisal (where required) and independent legal counsel for all gifts made to CBC. Valuation of gifts for development purposes CBC will record a gift received by CBC at its valuation for gift purposes on the date of the gift. Responsibility for IRS and Filings upon sale of gift items The Gift Acceptance Committee of CBC is responsible for filing IRS Form 8282 upon the sale or disposition of any asset sold within two years of receipt by CBC when the charitable deduction value of the item is more than $5,000. CBC must file this form within 125 days of the date of sale or disposition of the asset. Acknowledgement of all gifts made to CBC and compliance with the current IRS and CCRC requirements in acknowledgement of such gifts shall be the responsibility of the Board of Directors of CBC International. © 2005, Covenant Bible College. All Rights Reserved.

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Try CounterSpy Welcome to Paisley Creek's Online Gift Shop Sign in to make shopping easier. New visitor? Start here. Pamper yourself with our unique gifts, elegant home decor, wall decor, wrought iron accents, sterling silver, crystal jewelry and fashion jewelry, gourmet and country kitchen decor, Isabellas Journey handbags, kitchen accessories, bath and body products, perfume bottles, olive oil bottles and dipping sets, Caldrea products, wine bottle holders, baby gift ideas, wine gifts, cat lover and dog lover gift ideas. Shop our online gift ideas for wedding gifts, birthday gifts, anniversary gifts, holiday gifts, corporate, bridesmaid, teacher and romantic presents. Unique Gifts and Online Gift Ideas Romantic Anniversary, Wedding and Birthday Gifts Shop our great gift ideas at Paisley Creek. For example, escape to the wine country with the great food, wine, and music from this wonderful Menu and Music Tasting the Wine Country Cookbook and Music Set! 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Shop online for our Italian L' Erbolario and other bath products and bathroom decor. Hand-blown Glass Perfume Bottles Bath Products, Bathroom Accessories and Bathroom Decor The elegant topaz and cream swirls of this hand-blown glass perfume bottle make it a delightful bathroom vanity accessory. Created by master craftsmen employing century-old methods, our perfume bottles make great romantic valentines gift, anniversary gifts or a unique birthday gift idea for her. Shop our decorative bath products, bathroom accessories and bathroom decor online here Bath and Body . Elegant Home Decor and Accents Candleholders, Clocks, Lamps, Wall Decor and Decorative Home Furnishings Shop our elegant home decor and accents from decorative pillows to beautiful tapestries and other wall decor and wall hangings. Shopping for a decorating idea for your home or garden? Add elegance to any room with this decorative accent Table, Office or Desk Lamp. Shop online for our home decorating products and house-warming gift ideas in our Home Decor shopping category Home Decor . Fashion Jewelry Sterling Silver, Austrian Crystal and other Costume Jewelry Shopping for romantic wedding, anniversary or birthday gift ideas for her? Check out our quality sterling silver, crystal and fashion jewelry. We offer handbags, unique rings, earrings, bracelets and sterling silver necklaces. Here's a great gift idea for her - this elegant three strand stone necklace and earring set in our Fashion Jewelry shop.. Santa Barbara Ceramic Designs and Cypress Homes Olive Oil Bottles and Dipping Sets This Montalcino Olive Oil Bottle and Dipping Set includes a decorated Italian style glass Olive Oil Bottle, porcelain Dipping Bowl and Recipe Booklet featuring ten bread dipping recipes. Shop our Olive Oil Bottles and Olive Oil Dipping Gift Sets from Santa Barbara Ceramic Designs and Cypress Homesby clicking Olive Oil Bottles . For some helpful hints, additional olive oil information and one bread dipping recipe, click Olive Oil . Kitchen Accessories and Decor Caldrea, Cypress Homes and Santa Barbara Ceramic Design Products, Serving Trays, Trivets, Coasters, Wine Bottle Holders and other Kitchen Accessories Shop online for our unique kitchenware, housewares, accessories and kitchen decor. Caldrea products to freshen your home. Santa Barbara Ceramic Designs and Cypress Home products, like this rooster serving tray, will add charm to your french country kitchen. Find great gift ideas and country kitchen decor onlinefor your home in our Kitchen Accessories shop. Sign up for our periodic Paisley Creek Newsletter Your Privacy is always protected. Paisley Creek Home Decor, Unique Gifts, Bath Products, Gift Ideas, Fashion Jewelry, Kitchen Accessories Home Decor and Accents | Tapestries | Bath, Body and Beauty Products | Kitchen Accessories Unique Gifts and Gift Ideas | Pet Lover Gifts | Wine Gifts | Gifts for Her | Gifts for Him Fashion Jewelry | Olive Oil Bottles | Fashion Accessories | Handbags About Us | Help | Contact Us | Privacy Policy | My Account | My Cart | Order Status | Links | Site Map 2002-2005 Paisley Creek Gifts. All Rights Reserved Online Gift Shop - Gift Ideas for Wedding, Anniversary and Birthday Gifts Testimonials I received this item in only 3 days! This was five days before the estimated delivery date. Solidly packed. Quality item. Excellent transaction! Kathryn, Mountain City TN I was quite pleased with the merchandise on Paisley Creeks web site, and will be back there again. Jeff, Havelock NC

Gift Baskets, Italian Gift

Gift Baskets by Gourmet Gift Baskets: Italian, Corporate, Baby, Chocolate, Birthday, Thank You, Get Well, Christmas, Holiday Gourmet Gift Baskets, Italian Gift Baskets, Corporate, and Baby Gifts That Are The Crme de La Crme Whether it's Corporate Gift Baskets to show your appreciation, Baby Gift Basketsto celebrate that special time, or Italian Gift Baskets for a memorableoccasion, Gourmet Gift Baskets provides the best the world has to offer. When your colleagues, customers, family members and friends receive our gourmetgift baskets, you're sending more than a message of care. Gourmet GiftBaskets include the finest products available, providing your lucky recipientwith a surprise they will never forget. 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wedding gifts you really

MSN Money - Get the wedding gifts you really want MSN Home My MSN Hotmail Shopping Money People & Chat Sign In W eb Search: Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Planning Home Retirement Savings Insurance Family/College Resources Decision Centers Commentary Index More Tools Related Links My Accounts Message Boards Print-friendly version Send this to a friend Get market news by e-mail See if refinancing works Personal finance bookshelf Find It! Article Index Finance Q&A Tools Index Site map Related Sites Association of Bridal Consultants The Honeymoon Casa de Oro Travel wedding registry Honeymoonforyou.com HoneyLuna.com The Basics Get the wedding gifts you really want advertisement Traditional registries can prevent you from getting 5 identical bun warmers. But some couples really want camping gear, home down payments or honeymoon contributions. What would Miss Manners say? By MP Dunleavey It's relatively rare these days for people to get married right after graduating from college. The average age for first marriage among women has risen steadily to more than 25, from less than 21 in 1970; for men, the average is now more than 27. My fianc and I were about a decade or so past our mid-20s when we got married recently, and like a lot of people, we had accumulated a lot of stuff during our unmarried years. The last thing we wanted was more stuff. At least that's how we felt when we considered doing the standard newlywed thing: i.e. registering for china, linens, monogrammed silver, matching PDAs and a small, well-behaved child. Nah. What we wanted, more than anything, given the stress of modern wedding planning, was to go lie on a beach somewhere and pretend we were still happily dating. Don't let retirement sneak up on you. Create a perfect plan. But like most couples we found the cost of the wedding taxing enough -- even though our parents did pay for most of it. There was no way we could afford a honeymoon, too. So we got this crazy idea. If our loved ones would be willing to shell out for glassware and new pots, would it be terrible -- crass, rude, self-serving -- to ask for contributions toward what we really wanted? Financial wedding etiquette To be honest, I've never liked the idea of a traditional registry. No matter how fancy the store (or your china pattern), you're basically telling guests what to buy you. Miss Manners, aka Judith Martin, pointed out in a recent column that commercial gift registries used to be kept ONLY in the event that customers inquired about a bride's china or silver pattern. Now, she says, all sentiment is being stripped from the gift-giving tradition. People turn to registries, she says, "to put generosity under the control of its beneficiaries." And, she concludes sternly: "These practices are no less vulgar for having become commonplace." Her point is well-taken. Some couples seem to equate "getting married" with "shopping spree" and use the registry system to shamelessly upgrade every item in their home. On the other hand, there is a financial reality that cannot be avoided. Custom dictates that a gift must be bought, so for most people the financial sanity (and sheer convenience) of bridal registries outweighs the inherent crudeness of this system. Guests don't waste their money buying gifts couples don't want or can't use. Couples get what they need, so they don't have to buy it themselves. Stuff -- who needs it? Increasingly, says Peggy Post, author of "Emily Post's Wedding Etiquette by Peggy Post", many couples would rather skip the stuff anyway. "So many couples come to the marriage with so many things," she says, noting that 40% of marriages are "encore," i.e. repeat, unions, for one or both partners. "These days you see people registering for all kinds of non-traditional items." Among them: camping gear, a down payment for a house, stock certificates and, yes! . . . the honeymoon. According to the Association of Bridal Consultants (see link at left), a wedding guest will spend an average of $85 on a gift. The average cost of a honeymoon is about $4,000. If a couple has no need for flatware and linens, why not encourage guests to contribute to a honeymoon registry like thehoneymoon.com, casadeorotravel.com, honeymoonforyou.com or honeyluna.com? Guests can contribute to airfare, romantic dinners, massages, picnics, guided tours, etc. To drool over a sample registry for a honeymoon in Hawaii, click on the link at left under Honeymoonforyou.com. For one in Greece, click at left under HoneyLuna.com. And to send in contributions for my honeymoon, click . . . oh, never mind. The etiquette of alternative registries Peggy Post, the great-granddaughter-in-law of Emily Post, thinks using these offbeat registries can be fine "with a big IF attached." Here's some guidance: 1) Wait until you're asked. It's impolite (and annoying) to include a card announcing where you're registered. Wait for guests to inquire, and let the word spread discreetly through friends and family. "Let your parents, siblings, wedding party and close friends know -- IF they've asked," suggests Bobbie Izeman, a bridal consultant and advice columnist for blushing-brides.com. "But don't announce it in a formal way." 2) Do not dictate. As Miss Manners points out, a gift, above all, is a gift. It is not up to you to decide what your guests should give, no matter how badly you want contributions to your down payment, help with your airfare or even traditional items like cookware. "You should leave your guests the option to give you what they want," agrees Post. 3) Say thank you. It may seem obvious, but sending a prompt, enthusiastic thank you note -- for every gift, no matter what the gift -- is essential. "The key thing is to remember to be appreciative," says Post. The honeymoon fund Since we didn't know about these honeymoon registries a few months ago, my fianc and I set up our own impromptu "honeymoon fund." We made a small gaffe by alluding to it in the instruction sheet for our weekend wedding (oops!), but it was in the context of asking guests please not to give presents. Apparently, that is also a faux pas (eek!), but we hadn't consulted all these etiquette experts then. To our surprise, a small number of friends (and a couple of relatives) protested. They wanted to get us A Real Gift. I can say with some relief that at least we handled that properly -- encouraging people to give whatever sort of gift they wanted. And they did. We got a lovely mix of gifts and honeymoon fund contributions. Just enough so that we can restore our sanity on some sandy shore -- without going into a penny of debt. What greater wedding gift could there be? Editor's Choice 3 legal papers you can't live without Your own business, your tax shelter Brush: The 5 most overpaid CEOs Are seniors gambling away retirement? Cut your taxes by going solar Readers' Choice Ratings Top 5 Articles 9.34 Zombie debt collectors dig up your old mistakes 9.33 10 ways to stop identity theft cold 9.31 10 ways to avoid outrageous hospital overcharges 9.22 The tricks and traps of debt consolidation 9.17 Safeguard your Social Security number View all top rated articles More Resources · E-mail us your comments on this article · Post on the Your Money message board · Get a daily dose of market news S earch MSN Money tips advertisement MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. An investor's best course of action must be based on individual circumstances. © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help