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Memorial/Honorarium Gifts Making an honorary or memorial gift to the National Kidney Foundation of Colorado, Montana, and Wyoming is a wonderful way to mark a special occasion such as Mother's Day, graduation, birthday or anniversary. Donations may be sent to: National Kidney Foundation of Colorado, Montana, and Wyoming 3151 S. Vaughn Way, Suite 505 Aurora, CO 80014 With the donation, please indicate the name of the person and the occasion that the gift is in honor/memory of. Also include the name and address of the honoree/family member. The National Kidney Foundation will send a card to the individual honored or family member (for memorials) notifying them of your gift.
Kidney Cars Program The year-round Kidney Cars Program, which accepts the donation of used vehicles, offers another alternative to those interested in giving a gift without coming up with out-of-pocket funds. Almost all cars are accepted - running or not - provided the donor has a clear title. For tax purposes, donors receive a letter acknowledging their gift. They must however, consult a tax advisor for details regarding their specific situation. Vehicles are sold either at auctions or for parts, with 70 percent of the proceeds supporting the work of the National Kidney Foundation of Colorado, Montana, and Wyoming. To donate, call (800) 488-CARS (2277) or visit www.kidneycars.com. GivingFirst Kidney Clubs
Outright Gifts An outright gift of cash is the simplest and most popular type of charitable gift. When you make an outright gift of cash or property to the National Kidney Foundation, every dollar goes to work the moment it is donated, providing vital current support for an organization you believe in. An outright gift gives you the satisfaction of seeing your donation in action and knowing that many lives are being touched right now because you cared.
Gifts of Cash Cash contributions paid by check or credit card are the choice of many donors to the NKF. If you itemize charitable contributions on your federal income tax return, your tax savings mean that your gift costs you less than the Foundation receives. Each year you may deduct cash gifts totaling 50 percent of your adjusted gross income, and any excess deduction can be carried forward for up to five years. Depending on your marginal tax rate, your federal tax savings could equal from 15 percent to 39.6 percent of your contribution. Example: Mary Ann Dixon, who is in the 36 percent tax bracket, writes a check for $2,000 to the National Kidney Foundation of Colorado, Montana, and Wyoming. Because her deduction saves her $720 in taxes, the net cost of her $2,000 gift is only $1,280.
Gifts of Appreciated Property Non-cash assets such as securities and real estate are also suitable as outright gifts. If the asset you give has appreciated in value, and you have owned it more than one year, you not only receive an income tax charitable deduction for the full fair market value of the property, but you also avoid all tax on the capital gain. Example: Robert Bolek contributes shares of stock valued at $15,000 for which he paid $3,000 some years ago. If he were to sell the stock, he would be taxed $2,400 on the capital gain (20 percent of $12,000). By contributing the stock to the NKF, he avoids tax on the gain and receives an income tax charitable deduction for the current value of the stock. In his 31 percent bracket, he saves $4,650 in income taxes. His total tax savings is $7,050, and the net cost of his $15,000 gift is only $7,950. When you give listed securities, the fair market value is the average of the high and low prices on the day the securities are transferred to NKF's account (in the case of securities held in your brokerage account), or the day they are hand-delivered or mailed (when you hold the bond or stock)
Gift Annuity Contributing to a qualified plan such as a 401 (k), 403 (b), Keogh or IRA is an ideal way to save for retirement. Unfortunately, all these plans are subject to contribution limitations. If you would like to supplement the payments you receive from your qualified plan and Social Security, consider a deferred gift annuity with the National Kidney Foundation of Colorado, Montana, and Wyoming. Not only will you have more to spend in your later years, but you may reduce your income tax now. You will also help the National Kidney Foundation continue to provide needed services and programs in our community. Unlike an employer-sponsored retirement plan, a deferred gift annuity offers the following benefits:
To establish a deferred gift annuity with the National Kidney Foundation of Colorado, Montana, and Wyoming, you would transfer cash or securities to the Foundation and execute an agreement that states when payments are to begin and to whom they are to be made. Ordinarily, a single person will have payments made to them, and a married couple will elect a joint and survivor annuity. You could, however, direct the payments to augment retirement income for someone else, like a surviving sibling for example.
Remembering NKF in Your Will When you include the National Kidney Foundation of Colorado, Montana, and Wyoming in your will, you are using your will power to support an institution whose work you believe in. Your bequest will help the NKF build a solid funding base that will support the foundation far into the future. If you presently have a will, you can easily add a codicil (an amendment) providing for a bequest to the NKF of Colorado, Montana, & Wyoming. If you don't have a will, this is the time to prepare one. It is neither difficult nor expensive. Tailoring your bequest to your needs and goals Your bequest may take any of several forms. Here are some examples, with the appropriate wording:
Charitable Remainder Trust The charitable remainder trust provides payments for life or a term of years at a payout rate you determine in consultation with the NKF. Payments may be fixed (annuity trust) or based on the trust balance as revalued annually (unitrust). Unitrust payments can increase over time if the principal grows. You may make additional tax-deductible contributions at any time. You may contribute cash, securities or real estate, and you avoid tax on any capital gain.
The National Kidney Foundation relies heavily on private contributions from caring individuals to help carry out its mission. And every year, more of these contributors are discovering the benefits of supporting the NKF through what has come to be called planned giving. That means planning your gift with regard for tax and estate implications. It enables you to help NKF and move toward your personal financial goals at the same time. Here are some ways you may benefit from a planned gift to the NKF:
A gift of life insurance can provide a significant future gift to
NKF at an affordable present cost to you. Many people own some life
insurance because of its unique ability to meet a variety of needs
for financial protection, but its role in planned charitable giving
is frequently overlooked. |
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