Teacher Gifts - Teddy

Teacher Gifts, Teacher Appreciation Gift, Thank a Teacher Gift, Teacher Appreciation Gifts, Teacher Gift Ideas, Teacher Pet Plush Huggables Bed Time Buddies Bears with Blankies Canine Chums Feline Friends Animal Madness Back Packer Zoo Pet Pals Outfits Accessories World Wide Shipping Click for Details Free Shipping for Purchases over $40.00 and for Military Orders 1-Great Gifts 10-Animals 11-Outfits 12-Romantic 13-Cat Gifts 14-Valentines 15-Chinese 2-Pet Lovers 3-For Mom 3-Occasions 4-Easter 5-St Patrick 6-Wild Ones 7- Halloween 8-Baby Gifts 9-Birthdays Support Center Affiliate Opportunities Contact Us ..... Link to Us Gift Occasions: - Baby Shower Gifts - Birthday Gift Ideas - Easter Gifts - Family Gifts - Fathers Day Gifts - Gag Gifts - Get Well Gifts - Graduation Gifts - Holiday Gifts - Long Distance Gifts - Mothers Day Gifts - Pet Gifts - Romantic Gifts - St Patricks Day Gifts - Teacher Gifts - Teddy Bear Gifts - Thank You Gifts - Valentines Day Gifts - Stuffed Animal Gifts Teddy Bear, Birthday, Get Well, Mothers Day Gifts Mom, Valentines Gift Ideas Free Ecards -- Teacher Gifts, Teacher Pet, Thank a Teacher Gift, Teacher Appreciation Gifts, Teacher Gift Ideas and more Shmooz 6" Cow Regular Price: $19.95 Sale Price: $15.95 Graduate Owl 13" Regular Price: $47.95 Sale Price: $42.95 Knowly 6" Regular Price: $19.95 Sale Price: $15.95 Springtime 16" Bear Regular Price: $47.95 Sale Price: $42.95 Faith 9 " Lab Regular Price: $23.95 Sale Price: $19.95 Buttercup 11" Bear Regular Price: $27.95 Sale Price: $22.95 Puffer 6" Regular Price: $19.95 Sale Price: $15.95 Patriot Bear 16" Regular Price: $47.95 Sale Price: $42.95 Personalized Teacher Gift Ideas Surprise your favorite teacher by sending your personal voice recording of your well wishes inside an adorable stuffed animal for a truely unique gift. Imagine your teachers surprise when they squeeze your huggable gift and hear the "Sound of Your Voice". 150 different Stuffed Animals and Costumes We have more than150 different adorable stuffed animals to select from. Select from 16" teddy bears with outfits to 5" animals. Choose from 19 different costumes that can be added to each of our 11" and 16" bears to create a special gift for any occasion. We also have re-recordable gifts for your pets. Recording your Thank You Greeting Each of our huggable animals gift includes a 10-Second Re-Recordable Sound Unit . If you are sending your huggable teacher gift directly to someone, add a voice recording. We will send you an 800 number to call so you can record your message. If you plan to ship the gift to yourself, then it's not necessary to order a recording. You can record and re-record your message as many times as you like. Thank a Teacher and Send a Bear Our Teddy Bears and other Stuffed Animals are designed and sized for huggability. As thoughtful as flowers, but more durable, a Teddy Bear Gift with a personalized Gift Card will express your feelings to a loved one in a very special way. We will place your voice recording inside your cuddly messenger, add a hand written card and wrap your gift in a very attractive package with instructions to the recipient to Squeeze Me, I have a Special Message just for you . Hear what our Customers are saying... I ordered the "that'll do pig" for my friend for her birthday. I recorded a little song for her over the 1-800 number and had it delivered to her office. She told me that she was having the worst day, and then the pig arrived and she was really happy! She played it for everyone in the office and called me the minute she got off of work to tell me that it was the best gift she had ever received. Unfortunately I can't see the stuffed animal since we are 1200 miles apart, but it really made her day and therefore you guys made my day. Good Job! Our Mission | Business Opportunity | Contact Us | Link to Us | Links | Free Greeting Cards | Site Map "The Internet's Best Recordable Talking Plush Stuffed Animal Gift Site" Unique Personalized Teddy Bear Gifts and Gift Ideas for Mom, Mother, Dad and Grandmother. Teddy Bears are perfect as Birthday Gifts, Get Well Gifts, Mothers Day Gifts and Romantic Valentines Day Gifts & Gift Ideas . Every Recordable Stuffed Animal gift includes a free personalized card and gift wrapping. It's a worderful personalized gift idea and a creative alternative to sending flowers! Try our Free Greeting Cards and read our Free Stories . We also have Gift Certificates . © 2001-2003, ConnectionChannel.com. All rights reserved. Teddy Bear Gifts White Teddy Bear -with Valentine Day Red Vest -with Easter Vest -with St Patricks Day Vest -with Red Vest and Flag Patriot -with Surgeon Mask and Gown Brown Teddy Bear -with Valentines Day Red Vest -with Fisherman Outfit -with Golfer Outfit -with Halloween Outfit -with Nurse Outfit -with Christmas Outfit Pink Teddy Bear Yellow Birthday Teddy Bear Personalized Baby Gifts Teddy Bear Gift Idea Bear Cub & Pajamas Puppy & Pajamas Kitten & Pajamas Stuffed Baby Bear Cub - Volume 1 Stuffed Baby Bear Cub - Volume 2 Stuffed Baby Bear Cub - Volume 3 Birthday Teddy Bear Gifts Mothers Day Gifts & Gift Ideas Valentines Day Gifts & Gift Ideas Stuffed Pink Cotton Candy Bears Stuffed Valentine Bears Stuffed Yellow Lemon Drop Bears Stuffed Blue Sapphire Bears Free Greeting Cards Free Birthday Cards Free Christmas Cards Free Fathers Day Cards Free Get Well Cards Free Love Cards Free Mothers Day Cards Free Thank You Cards Free Valentine's Day Cards Helping People Connect Free Teen & Yahoo Personals Online Chat Gay Dating, Gay Personals & Gay Chat Yahoo Personals Yahoo Astrology Free Daily Online Horoscope Online Dating Service Free Astrology Signs and Charts Online Dating Service Teen, Adult Senior & Latin Online Chat Rooms Free Online Dating Personals & Chat Moving Company Quote Teddy Bear Gift Outfits Fisherman Gift Bear Halloween Gift Bear Biker Gift Bear Cantor Gift Bear Nurse Gift Bear Golfer Gift Bear Graduation Gift Bear Christmas Gift Bear St Patrick's Day Gift Bear Valentines Day Gift Bear Easter and Spring Time Doctor Gift Bear USA Sweater Patriotic Outfit and Flag Featured Customer Stories Gifts for Baby's Gifts for Children Gifts for Father & Dads Friendship Gifts Get Well Gifts Gifts for Grandchildren Love Poem Quote Happy Birthday Greeting Military Gifts Gifts for Mother & Moms Gifts for Pets Sympathy Gifts Personalized Gift Ideas Adoption Gift Ideas Anniversary Gifts Baby Shower Gift Ideas Baby Gift Baskets Birthday Teddy Bear Gifts Birthday Gifts & Gift Ideas Birthday Gifts for Moms Cat Lover Gifts Childrens Gifts Christmas Gift Ideas Corporate Gifts Dog Lover Gifts Easter Gifts Family Gift Ideas Fathers Day Gift Idea Friendship Gifts Get Well Gifts Graduation Gift Idea Gifts for Mom Holiday Gift Ideas Mothers Day Gifts New Baby Gifts Military Gifts Missing You I Love You Personalized Gift Ideas Personalized Teddy Bears Personalized Valentine's Gift Ideas Pet Gifts Plush Animal Gift Ideas Romantic Gift Ideas Romantic Birthday Gift Ideas Gifts for Her Teacher Appreciation Thank You Gifts Teddy Bear Gifts Unique Gift Ideas Unique Baby Gifts Unique Birthday Gifts Valentines Day Gift Ideas Stuffed Animal Gifts Wedding Favors Animals on Key Chains Frog Duck Lamb Lady Bug Butterfly Skunk Raccoon Golden Eagle Polar Bear Panda Bear Brown Bear Koala Bear Monkey Zebra Lion Tiger Leopard White Tiger Black Cat Dalmation Rottweiler Bull Dog St Bernard Grey Wolf Cow Pig Moose Bunny Black Bear White Buffalo Buffalo Poodle Wolf Cat Bull Dog Pug Black Labradore Golden Labradore Owl Seal Black Panther Mustang Cardinal Mouse Blue Eagle Orca Whale Sea Lion Plush Stuffed Animals Black & White Lamb Blue Lamb White Lamb & St Patrick Vest Bison Buffalo Plush Moose Golden Otter Gray Wolf Plush Animals Plush Pink Bunny Pink Pig Panda Bear Polar Bear White Owl Owl & Red Vest Owl & Graduation Gown Valentine Bear Yellow Duck Dog Lover Gifts Shar Pei German Shepard St Bernard Shaggy Dog Boxer Collie Jack Russel Scnhauzer Basset Hound Pug Boston Terrier Black Lab Yellow Lab Dalmation Black Poodle White Poodle Bull Dog Cat Lover Gifts Maine Coon Yellow Tabby Tonkinese Abyssinian Scottish Fold Siamese Black Short Hair White Short Hair Pet Lover Gifts Dog Toys Dog Gifts Stuffed Dogs Puppy Toys Cat Toys Cat Gifts Affiliate Business Opportunity Drop Ship Wholesale Stuffed Animals on Hearts Lobster Moose Puffin Black Bear Rabbit Bunny Duck Pig Piglet Polar Bear Cow Bull Lamb Free Greeting Cards Free Birthday Cards Free Christmas Cards Free Fathers Day Cards Free Get Well Cards Free Love Cards Free Mothers Day Cards Free Thank You Cards Free Valentine's Day Cards Last Updated: 05-12-04 Helping People Connect Providing Links to some of the Best Sites by Category Free Daily Horoscopes - Psychic Tarot Readings - Online Love, Chinese, Zodiac Signs Charts & Yahoo Astrology Reviews Online Dating - Free Chat Rooms & Dating Services - Yahoo Personals - Christian, Singles, Teen, Latin, Adult, Seniors & Gay Web Site Reviews

creative gifts to make

FamilyFun: Ask Ann: Creative Father's Day Gifts Browse site by Classic Themes Barnyard Pals Cars and Trucks Fairy-Tale Princesses Pirates Under the Sea Search FamilyFun Tools Craft Finder Game Finder Party Planner Crafts Newsletter Free! Sign Up Now Checklists Art Supplies Craft Supplies Arts & Crafts Expert Quicklink to Holidays Solutions A to Z Thousands of family ideas & activities Creative Father's Day Gifts My kids are looking for some creative gifts to make for their dad forFather's Day. Any fun and easy ideas? A "World's Greatest Dad" T-shirt may be nice, but if your kids reallywant a gift that will warm Dad's heart, homemade is the way togo. One of my favorites is a simple memory card for his wallet. Just cuta credit-card-sized rectangle out of poster board, then have your kidsdecorate both sides with messages, stickers, drawings and glued-onphotographs. To make the card sturdier, cover it on both sides withclear Con-Tact paper or run it through the laminator at your local copyshop (about $2). Dad can keep the card in his wallet and take it withhim wherever he goes--a sweet reminder of who loves him best. Another fun gift is a reward jar. Kids can brainstorm a bunch of specialtreats Dad might like--from the practical ("I promise to help you rakethe leaves") to the sweet ("Redeemable for one big bedtime hug") to thecreative ("I'll read you a story at bedtime"). Write the rewards oncolored strips of paper, then slip them into a glass jar that the kidscan decorate with stickers or paint. If you're looking for card ideas, try making a photo house card or a collage card , both of which showcase some of Pop's favorite things. Anddon't forget to finish off the day with something truly sweet: adelicious Father's Day cake , decorated by your kids. Back to Top Ann Hallock is the editor of FAMILYFUN, a magazine for parents of kids ages three to 12 that reaches 1.3 million readers monthly. She also contributed to the books FAMILYFUN CRAFTS, FAMILYFUN'S PARTIES and DISNEY'S FAMILY COOKBOOK, and appears regularly on television, including the PBS series, "Hands on Crafts for Kids." -- More Topics ALSO FEATURED Tips for a Clean Craft Area Sick At Home Activities Hammering without Splitting Best Glue For Glass Best Papier-Mache Recipe

Valentine Gifts Articles Valentine's

Erotic Valentine Gifts - 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. Erotic Valentine Gifts Articles Valentine's Day in Literature Valentine's Day is a day for sending gifts, cards, and love letters. Read more the love, romance, and also about Valentine's Day in literature... Find stories, poems, and more!...( Continue Reading ) Sexy Holiday Gift Ideas Sex toys and books make great gifts. Read suggestions for giving sex toys as gifts around the holidays, including Christmas, Valentine's Day, Mother's day, etc. Tips on where to find pre-selected and gift wrapped kits, stocking stuffers, and advice o...( Continue Reading ) Honeymoons / Romantic Getaways - TopPicks An index of TopPicks for the Honeymoons / Romantic Getaways guide site....( Continue Reading ) Books & Buys The good stuff, selected for you....( Continue Reading ) Valentine's Gift Kits Sex toy kits guaranteed to ensure a memorable valentine's day....( Continue Reading ) Erotic Valentine Gifts Directory Links customized gift baskets romantic valentines gifts mothers day gifts online top christmas gifts send gifts online baskets for sale great baby gifts recipe gifts in a jar gifts for 30th anniversary high school graduation gifts for boys gift baskets flowers christmas gifts for your boyfriend birthday gifts for wives thank you gifts cool teen gifts golf gifts for dad gifts for a girlfriend christmas gifts for dad men valentine gifts gifts champagne gifts for engagement ideas for birthday gifts creative gifts for men weding anniversary gifts gifts for music lovers birthday gifts for sisters diwali gifts to india indian wedding gifts christmas gifts dad popcorn gifts unique birthday gifts 16th birthday gifts fiftieth wedding anniversary gifts personalised business gifts 15 year anniversary gifts kosher food gifts romantic christmas gifts valentine gifts for her gifts for new mothers simple gifts copland wedding anniversary gifts year valentines day gifts for guys send birthday gifts to india unique bridesmaid gifts family christmas 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

Baby Gifts 9-Birthdays Support

Teddy Bear, Birthday Gifts, Get Well Gift, Mothers Day Gifts for Mom, Romantic Valentines Day Gift Ideas and Cards Plush Huggables Bed Time Buddies Bears with Blankies Canine Chums Feline Friends Animal Madness Back Packer Zoo Pet Pals Outfits Accessories World Wide Shipping Click for Details Free Shipping for Purchases over $40.00 and for Military Orders 1-Great Gifts 10-Animals 11-Outfits 12-Romantic 13-Cat Gifts 14-Valentines 15-Chinese 2-Pet Lovers 3-For Mom 3-Occasions 4-Easter 5-St Patrick 6-Wild Ones 7- Halloween 8-Baby Gifts 9-Birthdays Support Center Affiliate Opportunities Contact Us ..... Link to Us Gift Occasions: - Baby Shower Gifts - Birthday Gift Ideas - Easter Gifts - Family Gifts - Fathers Day Gifts - Gag Gifts - Get Well Gifts - Graduation Gifts - Holiday Gifts - Long Distance Gifts - Mothers Day Gifts - Pet Gifts - Romantic Gifts - St Patricks Day Gifts - Teacher Gifts - Teddy Bear Gifts - Thank You Gifts - Valentines Day Gifts - Stuffed Animal Gifts FREE Shipping for Orders over $40.00 Teddy Bear Gifts, Birthday Gift Ideas, Get Well Gifts, Gifts for Mom, Valentine Gifts and more ... Teddy Bears that include your Well Wishes If you're searching for a teddy bear gift, a get well gift, a birthday gift idea,or a romantic Valentine's Day gift our huggable teddy bears are wonderful gifts. Our recordable teddy bears and stuffed animals are perfect as unique gift ideas for all gift occasions. Imagine their surprise when they squeeze your gift and hear the Sound of Your Voice . We're not just Teddy Bears We have over 150 different animals to choose from. We've got a menagerie of stuffed animals so that you can select the one that means the most to the person you want to connect with. We have re-recordable animal for wild life lovers, dog lovers, cat lovers. We also have re-recordable gifts for your pets. Give your favorate pet the sound of your voice. Now you can always be there with them. Recording your Personal Message Each teddy bear or stuffed animals includes a 10-Second Re-Recordable Sound Unit. If you are sending your huggable critter directly to someone, add a voice recording. We will send you an 800 number to call to record your message. If you plan to personally give your present to someone, then it's not necessary to order a recording. The Difference is in Our Presentation Our Teddy Bears and other Stuffed Animals are designed and sized for huggability. As thoughtful as flowers, but more durable, a Teddy Bear Gift with a personalized Gift Card will express your feelings to a loved one in a very special way. We will place your voice recording inside your cuddly messenger and wrap it in a very attractive wrapping with instructions to the recipient to Squeeze Me, I have a Special Message just for you . Hear what our Customers are saying... I ordered the "that'll do pig" for my friend for her birthday. I recorded a little song for her over the 1-800 number and had it delivered to her office. She told me that she was having the worst day, and then the pig arrived and she was really happy! She played it for everyone in the office and called me the minute she got off of work to tell me that it was the best gift she had ever received. Unfortunately I can't see the stuffed animal since we are 1200 miles apart, but it really made her day and therefore you guys made my day. Thank you sooo much! " Patricia Click to view our recommendations by occasion We also have re-recordable pet toys and dog gifts. Creating a Talking Gift is as easy as 1 - 2 - 3 Choose from over 150 Stuffed Animals Record Your Message Let Us Deliver Your Gift An Otterly Wonderful Gift Starfish is the perfect messenger to speak your personal message. Just Lucky Just Lucky brings the luck of the Irish to everyone. Our Mission | Business Opportunity | Contact Us | Link to Us | Links | Free Greeting Cards | Site Map "The Internet's Best Recordable Talking Plush Stuffed Animal Gift Site" Unique Personalized Teddy Bear Gifts and Gift Ideas for Mom, Mother, Dad and Grandmother. Teddy Bears are perfect as Birthday Gifts, Get Well Gifts, Mothers Day Gifts and Romantic Valentines Day Gifts & Gift Ideas . Every Recordable Stuffed Animal gift includes a free personalized card and gift wrapping. It's a worderful personalized gift idea and a creative alternative to sending flowers! Try our Free Greeting Cards and read our Free Stories . We also have Gift Certificates . © 2001-2003, ConnectionChannel.com. All rights reserved. Teddy Bear Gifts White Teddy Bear -with Valentine Day Red Vest -with Easter Vest -with St Patricks Day Vest -with Red Vest and Flag Patriot -with Surgeon Mask and Gown Brown Teddy Bear -with Valentines Day Red Vest -with Fisherman Outfit -with Golfer Outfit -with Halloween Outfit -with Nurse Outfit -with Christmas Outfit Pink Teddy Bear Yellow Birthday Teddy Bear Personalized Baby Gifts Teddy Bear Gift Idea Bear Cub & Pajamas Puppy & Pajamas Kitten & Pajamas Stuffed Baby Bear Cub - Volume 1 Stuffed Baby Bear Cub - Volume 2 Stuffed Baby Bear Cub - Volume 3 Birthday Teddy Bear Gifts Mothers Day Gifts & Gift Ideas Valentines Day Gifts & Gift Ideas Stuffed Pink Cotton Candy Bears Stuffed Valentine Bears Stuffed Yellow Lemon Drop Bears Stuffed Blue Sapphire Bears Free Greeting Cards Free Birthday Cards Free Christmas Cards Free Fathers Day Cards Free Get Well Cards Free Love Cards Free Mothers Day Cards Free Thank You Cards Free Valentine's Day Cards Helping People Connect Free Teen & Yahoo Personals Online Chat Gay Dating, Gay Personals & Gay Chat Yahoo Personals Yahoo Astrology Free Daily Online Horoscope Online Dating Service Free Astrology Signs and Charts Online Dating Service Teen, Adult Senior & Latin Online Chat Rooms Free Online Dating Personals & Chat Moving Company Quote Teddy Bear Gift Outfits Fisherman Gift Bear Halloween Gift Bear Biker Gift Bear Cantor Gift Bear Nurse Gift Bear Golfer Gift Bear Graduation Gift Bear Christmas Gift Bear St Patrick's Day Gift Bear Valentines Day Gift Bear Easter and Spring Time Doctor Gift Bear USA Sweater Patriotic Outfit and Flag Featured Customer Stories Gifts for Baby's Gifts for Children Gifts for Father & Dads Friendship Gifts Get Well Gifts Gifts for Grandchildren Love Poem Quote Happy Birthday Greeting Military Gifts Gifts for Mother & Moms Gifts for Pets Sympathy Gifts Personalized Gift Ideas Adoption Gift Ideas Anniversary Gifts Baby Shower Gift Ideas Baby Gift Baskets Birthday Teddy Bear Gifts Birthday Gifts & Gift Ideas Birthday Gifts for Moms Cat Lover Gifts Childrens Gifts Christmas Gift Ideas Corporate Gifts Dog Lover Gifts Easter Gifts Family Gift Ideas Fathers Day Gift Idea Friendship Gifts Get Well Gifts Graduation Gift Idea Gifts for Mom Holiday Gift Ideas Mothers Day Gifts New Baby Gifts Military Gifts Missing You I Love You Personalized Gift Ideas Personalized Teddy Bears Personalized Valentine's Gift Ideas Pet Gifts Plush Animal Gift Ideas Romantic Gift Ideas Romantic Birthday Gift Ideas Gifts for Her Teacher Appreciation Thank You Gifts Teddy Bear Gifts Unique Gift Ideas Unique Baby Gifts Unique Birthday Gifts Valentines Day Gift Ideas Stuffed Animal Gifts Wedding Favors Animals on Key Chains Frog Duck Lamb Lady Bug Butterfly Skunk Raccoon Golden Eagle Polar Bear Panda Bear Brown Bear Koala Bear Monkey Zebra Lion Tiger Leopard White Tiger Black Cat Dalmation Rottweiler Bull Dog St Bernard Grey Wolf Cow Pig Moose Bunny Black Bear White Buffalo Buffalo Poodle Wolf Cat Bull Dog Pug Black Labradore Golden Labradore Owl Seal Black Panther Mustang Cardinal Mouse Blue Eagle Orca Whale Sea Lion Plush Stuffed Animals Black & White Lamb Blue Lamb White Lamb & St Patrick Vest Bison Buffalo Plush Moose Golden Otter Gray Wolf Plush Animals Plush Pink Bunny Pink Pig Panda Bear Polar Bear White Owl Owl & Red Vest Owl & Graduation Gown Valentine Bear Yellow Duck Dog Lover Gifts Shar Pei German Shepard St Bernard Shaggy Dog Boxer Collie Jack Russel Scnhauzer Basset Hound Pug Boston Terrier Black Lab Yellow Lab Dalmation Black Poodle White Poodle Bull Dog Cat Lover Gifts Maine Coon Yellow Tabby Tonkinese Abyssinian Scottish Fold Siamese Black Short Hair White Short Hair Pet Lover Gifts Dog Toys Dog Gifts Stuffed Dogs Puppy Toys Cat Toys Cat Gifts Affiliate Business Opportunity Drop Ship Wholesale Stuffed Animals on Hearts Lobster Moose Puffin Black Bear Rabbit Bunny Duck Pig Piglet Polar Bear Cow Bull Lamb Free Greeting Cards Free Birthday Cards Free Christmas Cards Free Fathers Day Cards Free Get Well Cards Free Love Cards Free Mothers Day Cards Free Thank You Cards Free Valentine's Day Cards Last Updated: 05-12-04 Helping People Connect Providing Links to some of the Best Sites by Category Free Daily Horoscopes - Psychic Tarot Readings - Online Love, Chinese, Zodiac Signs Charts & Yahoo Astrology Reviews Online Dating - Free Chat Rooms & Dating Services - Yahoo Personals - Christian, Singles, Teen, Latin, Adult, Seniors & Gay Web Site Reviews

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