Shower Gift

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Skidmore College - Gift Planning - Using Life Insurance 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 - Gifts Using Life Insurance A life insurance policy can serve as a planned gift vehicle in a number of ways. The simplest way is to designate Skidmore College or another charitable interest as the primary beneficiary of the policy. This is something a donor might consider if the original purpose of the policy is no longer relevant. An example would be a policy that was purchased years ago to provide added security for children's education expenses in the event of the policyholder's untimely death. The donor retains ownership of the policy, retains the right to change beneficiaries again if desired, and has access to its cash value if needed. Another method is to make Skidmore both owner and beneficiary of the policy. Unlike the previous method, this would be an irrevocable arrangement, and as such would qualify the donor for immediate tax savings. The donor can make this arrangement whether a policy is fully paid up or whether there are still premium payments being made. Finally, life insurance can be used in connection with other planned gift vehicles such as a charitable remainder trust to replace assets for heirs. For example, if a donor makes a gift through a charitable remainder trust, he or she is likely to realize significant tax deductions. Those savings can offset the cost of purchasing and paying premiums on a policy to "replace the wealth" for an heir or heirs. To learn more call or email the Office of Gift Planning. 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

Birthday Presents For my

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Her mom picked me up at six. She had a neighbor, Talon, who lived about four houses down the street. Talon called my cell around midnight. All three of us were good friends. I ran into the bathroom upstairs and answered it. He told me to pretend to be tired, and then once JoAnne fell asleep, I was to walk to his house because he and Mitchell, his friend, had presents for me. So, around 12:30 in the morning, I walked down the street. His room was in the basement, so I knocked there. Mitchell came out wearing only his boxers. I was in a tight, black, tank top and guy's boxer shorts. I walked through the family room to Talon's room. Talon came downstairs in boxers and said, "Oh, I forgot your present upstairs." So, he turned around and walked back upstairs. I sat on Talon's bed and Mitchell came over. He gave me priceless diamond earrings and asked me to be his girlfriend. I said yes. He came over and sat next to me. We made out for almost an hour until he tried to have sex with me. "No," I said. He walked down the hall. I peered through the doorway to see him grabbing a condom, and then he came back to Talon's room. It was 1:30 then. We had sex for three hours until I said we should stop. Talon came back downstairs a few minutes later. He explained that he was hung over from yesterday and had fallen asleep on the couch upstairs. I now know the whole thing was a setup because yesterday JoAnne and I had hung out with him. He gave me a beautiful necklace with a ruby colored flip-flop on it. I asked if someone could walk with me up the street because it was so dark out and I was scared. Surprisingly, Talon volunteered. So, we walked back up to JoAnne's house. I sat down on JoAnne's swing because I was putting my new earrings and necklace on. Talon sat down next to me and we started to kiss. He ran his arm up and down my chest. I pushed away and told him that Mitchell and I were going out now and asked if we could still be friends. He said yes and walked me to the door. We hugged, and I gave him a quick kiss on the mouth because I felt bad for him. I waved goodbye. When I walked downstairs to where JoAnne was, she was standing up with her arms crossed and tapping her foot. She asked where I had been. She had never fallen asleep but only faked as though she had. So, I told her the whole story. To this day, it's only me, Talon, JoAnne, and Mitchell who know what happened. -Lacy, 18 • More Scandalous Confessions! • Submit Your Confession Now • Send This Confession To a Friend! • Check Out Dating Disasters Cast Your Vote! What do you think of this confession? Happens all the time. Great love confession! Never did that. Wish I could experience that. More Hot Features • Secrets From Lovers? Two Views • Single? 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