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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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LOW PRICE Wedding Gifts, Large Selection of Wedding Gifts, Special Wedding Gifts Wedding Gifts Wedding Solutions.com Offers Three Great Options for Wedding Gifts 1) You can register for wedding gifts from many of the top national merchants. 2) Or you can request cash contributions towards your honeymoon as wedding gifts. 3) And you can choose from the largest selection of wedding gifts for your wedding party at Wedding Solutions.com Register for Wedding Gifts at Many of the Top National Merchants Wedding Solutions.com offers the largest centralized gift registry service where you can register for your wedding gifts by creating a centralized online gift registry. You can register for wedding gifts from companies such as Macy's , Linens’ n Things, Sears HomeCenter, The Sharper Image, Spiegel, Red Envelope, Cooking.com, BestBuy.com, Domestications, Circuit City, Brookstone, Hammacher Schlemmer, Sony.com and many more national merchants. to view a list of merchants offering wedding gifts at Wedding Solutions.com. Register for your honeymoon instead of registering for wedding gifts. Wedding Solutions.com offers a great option where you can register for cash contributions towards your honeymoon in lieu of registering for wedding gifts. You can register for cash contributions towards all or any aspect of your honeymoon; i.e., airfare, rental car, hotel, meals, activities, spa treatments, etc. Unlike traditional Gift Registries, you can split each aspect of your honeymoon into segments and assign a value to each segment. Guests can purchase one or more segments towards any aspect of your honeymoon as your wedding gifts. Guests can also send you a personal message and print a wedding gift receipt that they can insert in a card that can be given to you on or before your wedding day. When your honeymoon registry expires (a week before your wedding date), Wedding Solutions.com will mail you a check for the amount of wedding gifts contributed by your guests. More and more brides are choosing this option as wedding gifts. to view a sample honeymoon registry to register for your honeymoon Purchase wedding gifts for your bridal party You can choose from the largest selection of wedding gifts at Wedding Solutions.com. Choose from a beautiful Silver Heart Box, Textured Stainless Steel Flask, Tiffany Style Keychain, Flower Girl Necklace, Cherry Wood Humidor and many more wedding gifts. to visit our store Advertising Opportunities | Policies | Contact Us | FAQ | Photo Credits | Links | Home | Wedding Services | Other Wedding Resources | About Wedding Solutions | Honeymoon | Wedding | Wedding Registry | Wedding Gifts | Wedding Invitations | Wedding Dress | Wedding Planning | Engagement Ring | Wedding Website | Wedding Photography | Wedding Videographers | Wedding Cakes | Wedding Flowers | Map 1 | Map 2 | Map 3 | Map 4 | Map 5 | Map 6 | Map 7 | Map 8 | Wedding Photographers | Wedding Bands | Wedding Limousines | Wedding Receptions | Wedding Planners | Wedding Caterers | Wedding Favors | Wedding Rings | Wedding Gowns | Gift Registry

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Christmas Gift Ideas - Find the tested safest Christmas Gift Ideas web-stores here. Tested Safest Christmas Gift Ideas Stores - Christmas Gift Ideas Merchant Options Tested Safest Christmas Gift Ideas Websites Home : Gifts : Christmas Gift Ideas Luggage Pros Luggage, Bags, Briefcases, & More. Know Before You Go! about the testing Luggage Pros is a family owned online luggage retailer based out of Minnetonka, Minnesota. Our retail store, Luggage n Leather has been serving the Minneapolis/St. Paul area for over 30 years. We are an authorized dealer of Travelpro, Hartmann, Samsonite, Swiss Army, Atlantic, and many more. We offer free shipping on orders over $100, free returns, low price guarantee, and award-winning customer service. more.. Learn more about this company. 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Large selection of licensed products such as Betty Boop, Coca-Cola, John Deere and others as well as wacky t-shirts, adorable collectibles, unique home decor and so much more! more.. Learn more about this company. Enhanced Ideas Gifts galore & more. Know Before You Go! about the testing We've made online shopping easy. Find everything from collectibles, figurines, blown glass, novelty items, fine jewelry, decorative candles, fountains, home decor, garden decor and much, much more. Including realistic, heritage, americana, mythical, magical and spiritual decor. more.. Learn more about this company. 1-800-FLOWERS.COM Trusted Guide To Gifting Know Before You Go! about the testing For more than 25 years, 1-800-FLOWERS.COM has helped millions of customers connect to the people they care about with a broad range of thoughtful gifts, award-winning customer service and its unique technology and fulfillment infrastructure. The Companys product line - including flowers, plants, gourmet foods, candies, gift baskets and other unique gifts - is available to customers around the world via: the Internet (www.1800flowers.com); by calling 1-800-FLOWERS (1-800-356-9377) 24 hours a day; or by visiting one of the Company-operated or franchised stores. more.. Learn more about this company. 1000 Day Spas Nationwide at SpaWish.com Day Spa Gift Certificates Know Before You Go! about the testing Do you know someone who's expecting? Or a little one who just arrived? Visit SpaWish to view our collection of gift bundles for great gifts to celebrate the occasion. It's the thought that counts. more.. Learn more about this company. Corral West.com Corral West Western Wear and Accessories Know Before You Go! about the testing Corral West Ranchwear, the largest Western-Wear Chain, has outfitted families throughout the world with quality, value priced western wear for 50 years. 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Gift Vouchers, birthday gifts, fathers day presents, driving football golf water sports gift ideas, Passport2Sport.co.uk About “Passport 2 Sport” Amazing range of gifts, spanning over 40 sports. The first sports gift voucher in the UK and the perfect birthday present for participant or spectator. Passport 2 Sport vouchers can be used to buy a range of sports clothes and equipment, a tennis lesson, or a ferrari driving experience, a golf lesson, or a rally driving day, watersports, parachuting, a tour of your teams football stadium, tickets to the British Grand Prix at Silverstone, corporate hospitality at the rugby, a weekends golf break, drive a formula one racing car, fishing lessons, skydiving experiences, subscription to a F1 motorsports magazine or a signed print or sporting memorabilia. Passport 2 Sport vouchers, an ideal gift for anyone who loves sport, an unusual birthday gift, a great fathers day gift, or a unique gift for a special occasion such as a 30th, 40th or 50th birthday or wedding anniversary presents for him. For the ultimate experience, www.passport2sport.co.uk can provide premium tickets and hospitality at the world's greatest sporting events or organise an adventure stag weekend. Flexibility is one of the key elements, which makes these vouchers ideal for incentive and motivation schemes or sales promotion. If whatever you choose costs more than the value of your voucher, you can pay the difference. If it costs less, the balance remains on your voucher to be used against something else and you can always top up your voucher. Dan Smale Managing Director

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