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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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Free $100 Best Buy Gift Card w/Whirlpool Washer & Dryer ');}else {document.write('');}//-- Entire Site Electronics Cameras & Camcorders Computers Home Appliances Phones & Communications Office Products Music -Album Title -Artist -Song Movies -Title -Person Games Software Resources when you buy a Whirlpool Washer and Whirlpool Gas or Electric Dryer pair below. Follow these steps to get your free $100 Best Buy Gift Card: Click on the "Select" box next to the Whirlpool 3.2 Cu. Ft. 12-Cycle Large Capacity Washer below Click on the "Select" box next to your choice of either the Whirlpool Gas or Electric 7.0 Cu. Ft. 8-Cycle Super Capacity Dryer below Click on "Select" box next to the $100 Best Buy Gift Card below Click on the "Add Items to Cart" button at the bottom of the page. Important Note: Your Whirlpool Washer and Dryer selections and the $100 Best Buy Gift Card must appear in your Cart together in order to receive the Free Gift Card. Gift Card good on future in-store or online purchases. Savings will be reflected in your Cart when all promotional requirements are met. See full details . About Us News Center Careers For Our Investors Business to Business Community Relations Store Pickup Returns & Exchanges Store Locator Weekly Ad Financing Offers Buy Gift Cards Check Gift Card Balance Best Buy Credit Card Affiliates Program Offer Sign-Up Rebates Warranties Service Plans PC Upgrades Repairs Replacement Parts Software End User License Agreement Car Home Entertainment Satellite Appliances Welcome . Please create an account or Sign in . Your Cart Contains 0 items Subtotal: $0.00 View Cart | Checkout Your Account Best Buy Credit Order Status Wish List Gift Cards Conditions of Use | Legal Policies | Privacy Policy Online prices and selection generally match our retail stores, but may vary. Prices and offers are subject to change. © 2003-2004 Best Buy. All rights reserved. For personal, noncommercial use only.

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Aromatherapy: healing with pure Essential Oils EXPRESS MAIL IT! SHOPPING CART FULL PRODUCT DESCRIPTIONS SEARCH THIS SITE Essential Oils Quick Order Page Aromatherapy Blends & Synergies Hydrosols/Floral Waters Carrier Oils and Additives Accessories/Diffusers Aromatherapy Jewelry Bottles and Jars Essential Oil Kits Aromatic Baths Floral Waxes and Waxes Butters and Creams Natural Perfumes Natural Gifts for Everyone Book Reviews Rare/Hard to Find Books Gift Certificate NEW & SPECIAL SALES Sample Requests Product Reviews: SkeeterBeater Helichrysum Healing AROMATHERAPY INFORMATION What is Aromatherapy? Where to Start? How to Use Essential Oils? Aromatherapy Safety Information How Essential Oils are Produced Suggestions: Natural Skincare Emotional Uses of Essential Oils Physical Effects of Essential Oils Suggested Natural Remedies Childbirth & Childcare Aromatherapy Hints & Tips General Wellness Skincare Hints Household Hints FAVORITE LINKS FAQ SITE MAP WHO WE ARE History Photos Press Coverage Virtual Shop Tour Newsletters RETURN POLICY OUR CLIENTS SAY Superb wildcrafted and organic essential oils, sourced internationally, a wealth of information on their safe and effective use, and a full range of aromatherapy accessories New and Special Sales! CLICK HERE! Health Professionals? CLICK HERE! KATRINA RELIEF Two Percent of every order placed on each Wednesday of September will be donated to the Americares Hurricane Relief Fund and another 2% will be sent to ASPCA's Disaster Relief Fund . Both Charities were chosen to help aid victims of Hurricane Katrina. To personally donate money to these charities as a part of your order, please click here. The extra money donated will be split evenly between the two organizations. Nature's Gift Aromatherapy Catalogues Catalogues of pure & natural essential oils, aromatherapy accessories, carrier oils, hydrosols, etc. All the necessities for your aromatic journey. Aromatherapy Information Pages of information on the safe, effective and appropriate use of these healing essential oils. Our Clients Say Click & hold on box below. Colleen K. Dodt, Ckd115@aol.com -- Noted herbalist and author When a package arrives from Natures Gifts it is just like Christmas! Inside I find high quality, effective, pure essential oils. Marge Clark is always there to answer my questions throughly, and with a unique caring that is evident in the wonderous products she so lovingly procures for us. I trust Natures gifts to provide me with a range of aromatic goodies to greatly enhance my own herbal endeavours. Click here to see what others are saying about Nature's Gift! Aromatherapy Newsletter For emailed information on special sales, new products, and new information subscribe to our Aromatherapy Newsletter! Or view a copy of our latest Newsletter Sharing Forward Two Percent of every order placed on each Wednesday of September will be donated to the Americares Hurricane Relief Fund and another 2% will be sent to ASPCA's Disaster Relief Fund . Both Charities were chosen to help aid victims of Hurricane Katrina. To personally donate money to these charities as a part of your order, please click here. The extra money donated will be split evenly between the two organizations. To see the other charities that we've been able to help thanks to you, please see our Donations page. Comments or Questions? write me! Some notes and experience about marketing/selling products on the on the 'net Can't find what you want? SEARCH THIS SITE! Memberships [Return to Top] Return to Top Catalog Menu Home Information Menu Email Us! Contact Us Frequently Asked Question

Valentine Gift

Valentines Day Gifts making valentine gifts  You are here: About > Parenting & Family > Family Crafts > Holidays - Celebrations > Valentine s Day Projects > Valentine s Day Gifts Parenting & Family Family Crafts Essentials Table of Contents Halloween Thanksgiving Christmas Coloring Page Index Articles & Resources Craft Projects by Age Craft Projects by Theme Craft Projects by Type Crafting Tips Crafting for Charity Crafts Techniques 101 Holidays - Celebrations Homemade Gift Ideas Printables - Color Pages Products Recipes Buyer's Guide Before You Buy Top Picks Decoupage Books Puppet Making Books Soap Making Books Product Reviews Articles Forums Help FREE Newsletter Sign Up Now for the Family Crafts newsletter! See Online Courses   Search Family Crafts Valentines Day Gifts Try these free Saint Valentine's Day holiday craft patterns and projects. Use many creative techniques and supplies to make a variety of Valentine's Day gifts for friends and family members. Articles & Resources Sort By : Guide Picks | Alphabetical | Recent Up a category Valentine's Day Gift Ideas Check out these great St. Valentine's Day gifts shared by visitors just like you! Unique, home-made gift ideas for mom, dad, boyfriends, girlfriends, teachers, freinds, anyone! Daily Love Albrightt shares some great suggestions for giving a daily gift of "love" to someone special. Heart Frames Craft From your About.com guide, make a fun heart shaped frame. Heart Necklace From your About.com guide, fun project made out of clay. Heart Pin From your About.com guide, fun jewelry made with a small wooden heart. 44 more Articles & Resources below Articles & Resources more from your guide Hugs Box Gift From your About.com guide, a cute gift idea anyone would love to get, and it's easy to make! Make a Mug Gel Candle These mug candles are made by using a simple candle making technique. They are a very versatile craft and can be changed easily by changing the type of mug and/or the color and scent of the candle. Paper Heart Pin Barb shares instructions for making a heart-shaped pin out of paper. A great gift for Mother's Day or any time! Shiny Picture in a Heart From your About.com guide, instructions to make a fancy framed craft using a cd. Valentine Heart Jar Make this fancy jar that would make a fun gift. Use it as a candy holder or a candle holder! Submitted by visitor 'heavenley treasures'. Valentine Vase and Bouquet From your About Guide, find out how Laura makes a cute vase using toilet tissue rolls! Valentine's Day Bead Patterns Themed list of free beaded safety pin patterns. Change of Heart Purse A beautiful bead covered purse - from Crafts Magazine. Keys to My Heart Rack This wooden key shelf would make a wonderful gift - from Crafts Magazine. Bear Candy Holder Fill our loveable bear's tummy with candy to give it to someone special. Great classroom project! Candy Airplane Assembling this valentine requires a little bit of tricky balancingbut once you catch on, these sweet crafts will be flying from your fingertips. Candy Heart Sachet Make special little candy-filled hearts for everyone you know. Candy Hearts Here's a fun way to give a candy-filled Valentine. Use different shapes for other occasions -- such as a star for a friend's birthday. Candy Holder Necklace This clever candy holder is made from a plastic beanie tag protector. Clear Valentine Heart with Candy Create a clear Valentine heart candy holder for Valentine's Day. This makes a nice Valentine's gift. Cupids Love Brew A great, edible gift using hot chocolate, red peppermint stick, Hershey kisses and an optional red napkin. Dandy Candy Hearts Decorate a styrofoam heart shape with wrapped candies! February Love Greeting Give your sweetheart a daily love message during the month of February with this easy project. Heart Book Pendant Very cute! Create a tiny book, where you can write a special message your Valentine can wear! Heart Box with Photo Fill with candy or a small treasure for someone you love. Heart Woodsies Picture Frame Make this frame using popsicle type sticks and a few other wooden shapes. Hearty Bouquet Offer a bouquet of heart-shaped pencils to someone you love. I Love You Pin Use sign language to say "I love you" with this craft foam pin. Impressed Heart A cute gift idea made using Paperclay. Lace Heart A neat decoration or gift made with lace and stiff wire. Love Bugs A fun Valentine's Day craft made from yarn! Love Potion Perfume Necklaces Little girls and even big girls will love to make and wear these necklaces all year round. Mosaic Heart Box Recycle a heart shaped candy box into a clever mosaic look with this free arts and crafts project. Perler Heart Necklaces Make a pretty heart necklace for all of your friends and family! Use one of the patterns provided here or design your own! Perler Heart-Shaped Boxes Make a heart-shaped box as a gift for someone special this Valentine's Day! Plant Pals A cute idea using popsicle sticks and small heart and cicle shaped pieces of wood. Satin Heart Box By looking at this picture, you would never guess this lovely box was made out of a cereal box! Skill Stick Valentine Box You can use this pretty box to hold your valentines or you can fill it with potpourri and give it as gift. Sweethearts Mini Valentine Frame This is a darling and fun little Valentines Day craft and its not just for kids. Tissue Paper Pins A different ideas using tissue paper and cookie cutters. Valentine Barrettes Decorate plain barrettes with ribbon and a few other supplies. Valentine Bouquet Make a bouquet of hearts using paper, pipe cleaners, and a section of a milk carton. Valentine Coupons A nice assortment of cute coupons to print out and give as gifts. great for kids! Valentine Fortune Cookie Pin Oh so cute! Make fortune cookie pins with a special message for Valentine's Day. Valentine Frame Preserve a memento of love forever with this etched frosted frame. Valentine Stocking Follows the same concept as a Christmas stocking! Valentine's Day Heart Boxes Suggestions for decorating small, heart-shaped boxes. Valentine's Day Pins Make fun jewelry using plaster of paris and candy molds. Valentine's Keepsake Make hand print gifts using clay, plaster, and a heart-shaped container.        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Poll: What would you do with $10 million? 1) Spend it 4) Pay bills 2) Donate 5) Save 3) Invest 6) Not sure Is New York City Safe? Tips for Women Travelling What's Hot Film Containers and Pill Bottle Craft Projects - Trash to Tr... Celebrate the First Day of Autumn in September Special Days to Celebrate on September 20th Halloween Designs - Free Beaded Safety Pin Patterns Halloween Costume Ideas for Couples Headlines Celebrate the First Day of Autumn Celebrate the Autumnal Equinox on September 22 in 2005. Check... Halloween Costume Ideas for 2, 3, 4, or more? These ideas should help spark your creativity whether the Halloween... Empty Film Containers... Do you have ideas for crafts made from empty film... Free Halloween Bead Patterns Check out all these free Halloween related beaded safety pin...