Giving

Report 11 Downloads 407 Views

Establish a family legacy of giving. The Vanguard Charitable Endowment. Program, located in Malvern, Pennsylvania, is an independent public charity founded by. Vanguard as a Section 501(c)(3) tax-exempt organization. The Program launched a donor- advised fund program in 1997 to support and increase philanthropy ...

Experience the value in . . . P.O. Box 55766 Boston, MA 02205-5766 888-383-4483 www.vanguardcharitable.org

The value in giving™ The Vanguard Charitable Endowment Program was founded by Vanguard as an independent, nonprofit organization. A majority of its trustees are independent of Vanguard. Although Vanguard provides certain investment management and administrative services to Vanguard Charitable through a service agreement, the Vanguard Charitable Endowment Program is not a program or an activity of Vanguard. Vanguard, Wellington, and the ship logo are trademarks of The Vanguard Group, Inc.

Giving.

© 2010 Vanguard Charitable Endowment Program. All rights reserved. VPROSP 102010

Vanguard Charitable Endowment Program • 888-383-4483 • www.vanguardcharitable.org

Charity. The Vanguard Charitable Endowment Program offers an easy way for you to maximize your charitable giving, minimize your taxes, and create a legacy for generations to come. If you’re interested in simplifying your philanthropy, read this brochure to find out: • How Vanguard Charitable works. • The benefits of Vanguard Charitable. • The values we share with Vanguard. • How to establish a donor-advised account.

A better way to give

01 A better way

Just as the IRA and 401(k) revolutionized how Americans save for retirement, donor-advised funds are changing the way Americans give to charity. Offered by community foundations, service organizations, universities, and other charities, donor-advised funds provide an inexpensive way for you to support the causes you care about in a more effective and satisfying way.

annually (depending on account size and investment allocation), which means that more money is available for grants to other charities.** This low fee covers the costs of asset management, research of charities, recordkeeping, toll-free personal assistance, and access to our secure website, which includes the abilities to gift to and recommend grants from your donor-advised account.

A donor-advised fund is easy to use and can be as empowering to your philanthropy as a private foundation. It can help you:

That value proposition should sound familiar to anyone acquainted with Vanguard. Since its inception, Vanguard Charitable has had a unique, independent relationship with Vanguard and shares Vanguard’s commitment to integrity, exceptional service, low costs, and long-term investing.



Consolidate your charitable-giving activities.



Convert tax liabilities into charitable gifts.



Build a larger donor-advised account over time.



Establish a family legacy of giving.

The Vanguard Charitable Endowment Program, located in Malvern, Pennsylvania, is an independent public charity founded by Vanguard as a Section 501(c)(3) tax-exempt organization. The Program launched a donoradvised fund program in 1997 to support and increase philanthropy across the United States. With over $4 billion in contributions since inception, it continues to rank among the 25 largest charities in the country.* Driving Vanguard Charitable’s rapid growth have been its low costs and exceptional service. Total costs for Standard and Select Accounts range from 0.07% to 0.92%

Vanguard Charitable offers the option of nine investment pools consisting of Vanguard® mutual funds available to donors with Select and Standard Accounts and an additional pool for those with larger accounts.

“The beginning of rain is but a single drop.” Proverb

If you’d like to add value to your giving, we invite you to open a donor-advised account with Vanguard Charitable. This brochure and the accompanying Policies and Guidelines booklet explain how the Program works, how you can establish an account with an irrevocable contribution of $25,000 or more, and how your donor-advised account can help you reduce your tax burden and increase your philanthropic impact.

What is a donor-advised account? A charitable-giving vehicle that offers immediate tax deductions to donors, yet allows—if you so choose—several years for planning and potential account growth before any portion of the donation must be distributed to charities. Distributions from a donor-advised account are based on recommendations by the donors or other authorized parties.

*The Chronicle of Philanthropy, November 1, 2009. **For accounts with balances of less than $15,000, an additional account maintenance fee of $100 will be assessed each March.

Vanguard Charitable Endowment Program • www.vanguardcharitable.org 1

How the Program works

Simplicity.

Giving to charity through the Vanguard Charitable Endowment Program is easy. You establish a donor-advised account with an irrevocable, tax-deductible contribution to Vanguard Charitable, and recommend an allocation of the assets among investment pools consisting largely of Vanguard mutual funds. Then, you recommend grants from the donor-advised account to specific charitable organizations whenever you wish. At any time, you can make additional contributions to the account or recommend an exchange of assets between investment pools.

Impacting philanthropy with a donor-advised account

Nominate account advisors and successoradvisors. You can name up to two individuals

You can open a donor-advised account with Vanguard Charitable by making a charitable contribution of $25,000 or more in cash, stocks, bonds, or mutual fund shares—either electronically, through your secure online account, or by using paper forms. You may also make subsequent contributions of $5,000 or more whenever you wish. Gifts of special assets, such as hedge fund shares and nonpublic stock, may be made in some cases.

as account advisors. (Most donors choose to serve as account advisors themselves.) Account advisors recommend grants from the donor-advised account to specific charitable organizations and may recommend exchanges among the various investment pools. You may also create a legacy of giving by naming your heirs as successor-advisors or by choosing one of several other succession plan options.

After making your initial gift, you will:

02 How it works

Taking advantage of Vanguard Charitable’s tax benefits Your donor-advised account can be a powerful tax-management tool. It can help you convert potential tax liabilities into charitable gifts in ways that reduce your tax burden, thereby increasing the amount you can devote to charitable giving.

Receive an immediate tax deduction. In

return for your irrevocable gift, you can receive a full tax deduction for the value of the gift, subject to IRS guidelines.* Recommend investment pools. Although

your donations to Vanguard Charitable are irrevocable, you can recommend that the donated assets be invested among any of the nine investment pools. An additional pool is also available to qualifying accounts that maintain balances of $1 million or more.** These pools, which are made up largely of Vanguard mutual funds, vary in their asset allocations and risk levels. (See page 8.)

Give capital gains to charity, tax-free. If

you have appreciated securities that you have held for more than one year, you can avoid potential capital gains and reduce your taxable income by contributing the securities to Vanguard Charitable for future recommendation of grants to individual charities.

*You must itemize personal deductions to be eligible for a charitable contribution deduction. You can deduct up to 50% of your Adjusted Gross Income (AGI)—your income before itemized deductions—on cash gifts and up to 30% of your AGI on gifts of marketable securities held for more than 12 months prior to the date you make the gift. Individual circumstances vary and donors should consult their tax advisors. **Nine investment pools are available to donors with both Standard and Select Accounts. An additional pool is available to only those with larger accounts.

How the Program’s Donor-Advised Fund Works

Contribute

Deduct

Invest

Recommend

Contribute cash or securities to Vanguard Charitable.

Take an immediate tax deduction.

Contribution proceeds are invested and can grow tax-free.

Recommend grants to charities.

Donor

Grant

Vanguard Charitable researches recommended charities and issues approved grants.

Vanguard Charitable Endowment Program Vanguard Charitable Endowment Program • www.vanguardcharitable.org 3

The Advantage of Donating Appreciated Securities Suppose you have appreciated securities held for more than one year with a market value of $100,000 (and a cost basis of $10,000) and you wish to make a significant gift to a favorite charity.* You have two options: Options

Sell the securities and donate cash.

Donate the securities in-kind.

Sell the securities and donate the entire proceeds of the sale to charity.

Donate the securities directly to the Program.

Realize a $90,000 gain and pay $13,500 in capital gains tax with money from another source.**

Pay no capital gains tax.

Deduct $100,000 from taxable income.***

Deduct $100,000 from taxable income.****

Save $35,000 in income tax.†

Save $35,000 in income tax.†

The charity receives

$100,000

$100,000

The gift costs you (after taxes)

$78,500

$65,000 Your savings: $13,500

*Generally, a gift to a public charity is deductible up to 50% of AGI. However, the deduction limit may be reduced in certain circumstances depending on the nature of the charitable organization, the property donated, or other gifts made by the donor in the same year. **The capital gains tax is calculated by multiplying the $90,000 gain by the current long-term capital gains rate of 15% (0.15). ***Because gifts of cash to a public charity are deductible up to 50% of AGI, the taxpayer would need an AGI of $200,000 or more to deduct the full $100,000 in the current tax year. The amount of the contribution that exceeds the deduction limit may be carried over by the taxpayer to the next tax year. ****A gift of capital gain property to a public charity is deductible up to 30% of AGI; thus, the taxpayer would need an AGI of $333,000 or more to deduct the full $100,000 in the current tax year. The amount of the contribution that exceeds the deduction limit may be carried over by the taxpayer to the next tax year. †To simplify the illustration, the example applies the current highest marginal tax rate (35%). Note: This hypothetical example does not apply to appreciated securities held for one year or less.

As long as you donate the securities without selling them first, you can deduct the full market value (within IRS guidelines) and neither you nor Vanguard Charitable realizes a taxable gain. Vanguard Charitable will facilitate the liquidation of the appreciated securities. Bequeath your IRA to charity, tax-free. If you

name Vanguard Charitable as the beneficiary of your IRA or other tax-deferred retirement account, your heirs will not be liable for the income tax that would otherwise be levied on distributions from those accounts, and you can enable your legacy to live on by appointing your family members as account advisors to recommend grants to your favorite charities, recommend lump-sum grants to your favorite charities, or use the Endowed Grant Plan to set up regular recommendations of grants to charities after your death.

4 Vanguard Charitable Endowment Program • 888-383-4483

Complement a donor-advised account with a charitable remainder trust. If you have

(or plan to have) a charitable remainder trust, you can name Vanguard Charitable as the remainder beneficiary of the trust assets. If the trust has remaining assets of $25,000 or more, those assets can be used to create a donor-advised account. Your heirs can serve as account advisors. Donate special assets. You can donate nonpublic stock, hedge fund shares, or other special assets on a case-by-case basis. Depending on the type of asset, such an in-kind donation may potentially avoid significant capital gains tax, allowing you to increase the amount of your charitable contribution and tax savings. Donating nonpublicly traded assets can be a tax-efficient way to meet your philanthropic goals while rebalancing your portfolio.

Share your windfall with charity. You can

use a year-end bonus or an inheritance to establish a donor-advised account. This account receives the full value of your windfall and you may pay less tax. Transfer all or part of your private foundation to a donor-advised fund. Donor-advised funds

can be more affordable and easier to manage than a private foundation. Gifts to a donoradvised fund are eligible for more favorable charitable deductions than gifts to a private foundation, and grants to charities can be recommended anonymously.

How to recommend a grant After your account is fully funded through a completed charitable contribution of $25,000 or more, you can recommend grants of $500 or more to qualified charities—either electronically through your secure online account, or by using paper forms. Before approving the recommendation and sending a check to the charity, Vanguard Charitable will conduct due diligence to confirm the charity’s eligibility to receive grants. You will receive a confirmation e-mail or letter after the grant is approved and issued. For more information, view Vanguard Charitable’s helpful guide, How to Recommend a Grant. Since inception, Vanguard Charitable has granted more than $2.5 billion to over 30,000 other 501(c)(3) organizations.

Access your account online If you’re accustomed to managing your personal finances online, you’ll appreciate the convenience of our website, www.vanguardcharitable.org. It lets you access your donor-advised account at any time.

You can: •

Monitor program account activity and manage your account information.



Review investment pool balances.



Recommend onetime and recurring grants and changes to your donor-advised account’s investment allocation.



Add or remove organizations from your list of favorite charities.



Update your profile information, and review donor-advised account activity, online.



Save account activity data to a spreadsheet on your home computer.



Select a delivery preference of paper or e-mail for notifications of donor-advised account activity.

“This pebble from my hand . . . alters the universe.” Thomas Carlyle

To ensure your privacy, the website uses 128-bit encryption and Secure Sockets Layer (SSL) version 3.0 security protocol. Our system is designed to protect the integrity of, and prevent unauthorized access to, your account.

Taking control of your legacy now If you prefer to establish a donor-advised account through an estate or bequest, you may want to create a deferred giving plan. Your contribution of $25,000 or more will be transferred to Vanguard Charitable from your IRA, qualified retirement plan, insurance policy, or estate. You can name Vanguard Charitable as beneficiary or designate your family or others to advise on such deferred gifts. If the donor-advised account balance is more than $250,000, the account is eligible for the Endowed Grant Plan option. With this option, you can recommend up to five charities to receive annual grants of a percentage of the remaining account balance upon the death of the last advisor.

Your Donor-Advised Fund Can Help You: •

Offset a financial windfall with a fair-market-value deduction.



Create an exit strategy from a private foundation.



Consolidate paperwork.



Establish a philanthropic legacy.



Minimize capital-gains-tax liability.



Combine estate planning and charitable giving.



Give anonymously or acknowledge a person or group.



Have greater flexibility in supporting multiple charities through a charitable remainder trust.

Vanguard Charitable Endowment Program • www.vanguardcharitable.org 5

Benefits of the Program

Growth.

A Vanguard Charitable Endowment Program donor-advised account can add value to your life in many ways. By consolidating the paperwork associated with charitable giving, it saves you time and lets you devote your energies to other pursuits. Low fees give your contributions a chance to grow so that more money is available to go to charity. And because your donor-advised account can include succession and other sustained grant-making options, you can create a legacy of giving for decades to come.

Account having a balance of $23 million invested in the Total U.S. Stock Select pool would be:

The benefits of low total costs Our low total fee has two components— an administrative fee and an investment fee. See the chart below for full details. It’s important that you understand the total costs associated with a donor-advised account before you donate to any donor-advised fund. With a Vanguard Charitable donor-advised account, low costs mean more assets stay in your donor-advised account for future grants. Total Costs =

0.67% for the first $1 million 0.21% for the next $22 million

= $ 6,700 = $46,200

Average total annual fee

= $52,900 (0.23%)

03 Benefits of the Program

Favorable comparison to a private foundation Maintaining an account with the Program offers you many of the rewards of a private foundation without the significant administrative and reporting requirements imposed by the IRS. Furthermore, with a donor-advised fund, there are no start-up costs, no excise taxes on net investment income, and no IRS Form 990-PF to file.

Administrative Fees + Investment Fees

Total costs range from 0.07% to 0.92% annually depending on whether your donoradvised account qualifies for Select Account status, your donor-advised account balance size, and investment allocation.* A tiered fee reduction is applied to qualified accounts with balances of $1 million or more, which are known as Select Accounts.

If you have a private foundation, why not join the hundreds of donors who have transferred some or all of their foundation assets to our donor-advised fund? For more information on how a donor-advised fund can be used instead of, or in addition to, a private foundation, visit www.vanguardcharitable.org/PrivateFoundation.

The annual fee for Select Accounts is based on the account balance and the weighted averages of the applicable tiers. For example, the average total annual fee for a Select

Fees for Standard Accounts (accounts with less than $1 million in assets) Account balance

Annual administrative fee

Average annual investment fee

Average total annual fee

0.60%

0.24%

0.84%

Entire balance

Note: Accounts with a balance of less than $15,000 will be assessed an annual maintenance fee of $100.

Fees for Select Accounts (qualified accounts with $1 million or more in assets) Annual administrative fee

Average annual investment fee**

Average total annual fee**

First $1 million

0.60%

0.14%

0.74%

Next $29 million

0.14%

0.14%

0.28%

Next $70 million

0.04%

0.14%

0.18%

Additional assets over $100 million

***

0.14%

***

Account balance range

*For accounts with balances under $15,000, an additional annual account maintenance fee of $100 will be assessed. **Investment fees as of July 31, 2010. ***Note: Negotiable; please call Vanguard Charitable for details.

Vanguard Charitable Endowment Program • www.vanguardcharitable.org 7

Program Investment Pools and Investment Fee Structure Multi-Fund Pools Investment pool

Approximate asset allocation

Underlying Vanguard mutual funds

Estimated composite pool expense ratio* Standard pool

Select pool**

Gift Preservation

50% Short-term bonds 50% Money market securities

50% Short-Term Investment-Grade Fund 50% Prime Money Market Fund

0.25%

0.11%

Moderate Growth

60% Stocks 40% Bonds

50% Balanced Index Fund 50% Wellington™ Fund

0.30%

0.19%

Growth

80% Stocks 20% Bonds

80% Total Stock Market Index Fund 20% Total Bond Market Index Fund

0.19%

0.08%

Total Equity

100% Stocks

60% 500 Index Fund 20% Extended Market Index Fund 20% Total International Stock Index Fund

0.23%

0.13%

Single-Fund Pools Investment pool

Approximate asset allocation

Underlying Vanguard mutual funds

Estimated composite pool expense ratio* Standard pool

Select pool**

Money Market

100% Money market securities

100% Prime Money Market Fund

0.25%

0.10%

Short-Term Bond

100% Bonds

100% Short-Term Investment-Grade Fund

0.24%

0.12%

Total Bond

100% Bonds

100% Total Bond Market Index Fund

0.22%

0.12%

Total U.S. Stock

100% Stocks

100% Total Stock Market Index Fund

0.18%

0.07%

Total International Stock

100% Stocks

100% Total International Stock Index Fund

0.32%

0.32%

*Estimated values for Standard pool and Select pool as of July 31, 2010. Expense ratios, which are based on a weighted average of the expense ratios of the underlying funds, are historical and are expected to vary over time. **To be eligible for the Select pool, an account’s balance must be more than $1 million. The Program also offers one additional investment option for Select Accounts called the Select Multi-Asset Pool. For more information, visit our website to download the Select Multi-Asset Pool Policies and Guidelines brochure or call us at 888-383-4483. Each investment pool is subject to the risks of the underlying investments. 8 Vanguard Charitable Endowment Program • 888-383-4483

The value of a proven investment philosophy When you fund your donor-advised account, you recommend investment pools for the gift proceeds. These pools are made up of both indexed and actively managed mutual funds. You may also recommend exchanges from one pool to another on an ongoing basis. Vanguard Charitable offers the option of nine investment pools consisting of Vanguard mutual funds available to donors with Select and Standard Accounts and an additional pool for those with larger accounts. Vanguard Charitable’s time-tested investment philosophy emphasizes a long-term outlook, a disciplined investing style, and low costs. As a result, these funds have achieved a consistent record of competitive returns. Because the assets in a donor-advised account belong to Vanguard Charitable, a donor-advised account’s earnings, if any, accrue tax-free. Account growth increases the amount you can recommend for grants to charity, but earnings are not eligible for additional tax deductions. The donor-advised account may lose value if the underlying fund values decrease, but you can moderate the account’s risk level by recommending an exchange of assets into a more conservative pool. If you donate more than $1 million to Vanguard Charitable, your account may qualify for our Select Pools, the expense ratios for which are often significantly less than the expenses of our Standard Pools. (See chart on page 8.)

The benefits of exceptional service As a donor-advised account advisor, you’ll enjoy exceptional service that will make your charitable giving easier and more convenient. A fast response from our service team.

As an account advisor, you can reach us at 888-383-4483, Monday through Friday from 8:30 a.m. to 5 p.m., Eastern time, or by e-mail from your secure online account. (Note: Extended hours are offered during peak contribution periods.)

Expert assistance with contributions. We’ll

assist you with the process of donating appreciated publicly traded securities and mutual funds—either electronically, through your secure online donor-advised account, or by using paper forms. We’ll even help facilitate your donations of special assets on a case-bycase basis. Due diligence and troubleshooting. Our team

of grant researchers will conduct due diligence to ensure that your recommended charity is qualified to receive grants from Vanguard Charitable and to help ensure that grants will not be used for fraudulent activity. Relief from administrative chores. Vanguard

Charitable will provide recordkeeping for your donor-advised accounts. We’ll send confirmations of your contributions to and grants from your donor-advised account and provide tax-substantiation letters. The convenience of online account access.

You can use Vanguard Charitable’s website to make contributions to or recommend grants from your donor-advised account, update your personal profile, select a delivery preference for confirmations, and learn about charitable-giving options. You can even fill out forms online, print them, and mail them to us.

“The creation of a thousand forests is in one acorn.” Ralph Waldo Emerson

Simplicity. Instead of donating securities

to several charities each year, you can use a single donation of securities to fund multiple grants, once approved, based on your recommendations. You’ll need only one gift receipt for tax reporting, not several. The option of anonymity. You may recommend grants from Vanguard Charitable in your name or in the name of someone you wish to memorialize or honor. You may also recommend grants anonymously to preserve the privacy of your giving. Teamwork with your professional advisor.

We can work directly with your financial advisor, tax advisor, or estate planner, based on the level of access you authorize.

Vanguard Charitable Endowment Program • www.vanguardcharitable.org 9

Values we share with Vanguard The Vanguard Charitable Endowment Program shares the core principles of Vanguard, one of the world’s largest and most respected investment management companies. The same values that have earned Vanguard the trust of millions of investors have helped the Vanguard Charitable Endowment Program distinguish itself as a donoradvised fund program.

Trust.

A philanthropic partner you can rely on You can rest assured that we adhere to the same standards that have helped make Vanguard a synonym for integrity, plain talk, and exceptional service. When you participate in Vanguard Charitable, you can count on us to help you achieve your philanthropic goals and to support the work of charitable organizations nationwide. Low costs. The Vanguard Charitable

Endowment Program strives to offer you the best value in donor-advised accounts with low overall fees and high-quality service. Vanguard Charitable’s total costs are low, partly because the average expense ratio of Vanguard funds is among the lowest in the mutual fund industry.

On the strength of these standards, the Vanguard Charitable Endowment Program has grown to be among the largest charities in the United States within ten years. And as part of our commitment to you, Vanguard Charitable operates with full transparency by readily sharing our financial information with you. Vanguard Charitable encourages you to view and download our important financial documents—including IRS Form 990, a quarterly pool performance report, and our audited report and financial statements—directly from our website, www.vanguardcharitable.org.

Values we share

Enduring value

Lower costs mean that a higher percentage of the returns on your donated assets will remain in your donor-advised account. In this way, more of your contributions can benefit nonprofit organizations.

Because it can continue indefinitely, a donor-advised account allows you to create a legacy of giving that can last for generations.

Integrity. We are committed to the highest

several succession plan options that allow you to extend your philanthropy beyond your lifetime at no additional cost.

standards of integrity and accountability in everything we do. A commitment to service. We place the high-

est priority on providing prompt, courteous, personal service to our donors. Sound investment philosophy. Your

gift can grow—and consequently have a greater impact—by being invested in pools comprised largely of Vanguard funds. The management of these funds reflects Vanguard’s investment principles of broad diversification, very low costs, and competitive performance.

04

A lasting gift. Vanguard Charitable offers

Your options include: successor advisors to receive advisory privileges, split an existing donor-advised account into multiple accounts (provided they each meet the $25,000 initial minimum), or set up a series of annual grants to charity through our Endowed Grant Plan (if the donor-advised account contains at least $250,000). A vehicle for taking control of your legacy.

You can use your donor-advised account as a vehicle for deferred giving—and reduce your taxable estate—by naming Vanguard Charitable as the beneficiary of a bequest of cash, securities, qualified IRA assets, a life insurance policy, or the assets in a charitable remainder trust. These gifts can fund your existing donoradvised account or a new donor-advised account that can continue your legacy for generations to come.

Vanguard Charitable Endowment Program • www.vanguardcharitable.org 11

For more information, contact us:

888-383-4483 www.vanguardcharitable.org How to establish a donor-advised account 1 Review the enclosed Policies and Guidelines booklet.

2 Open

a donor-advised account online, or complete and sign the enclosed Gift Agreement.

3 Send the completed Gift Agreement (and any other required documents) in the selfaddressed envelope to Vanguard Charitable Endowment Program, P.O. Box 55766, Boston, MA 02205-5766.

4 Fund the donor-advised account with an irrevocable gift of cash, securities, or mutual fund shares worth $25,000 or more to Vanguard Charitable. Learning more about Vanguard Charitable Visit our website to review our current audited financial statement, annual report, and IRS Form 990 (tax return). And while you’re on our website, go to the About Us link and click on Our People to find photographs of all of our employees who are here to serve you.

Charity. The Vanguard Charitable Endowment Program offers an easy way for you to maximize your charitable giving, minimize your taxes, and create a legacy for generations to come. If you’re interested in simplifying your philanthropy, read this brochure to find out: • How Vanguard Charitable works. • The benefits of Vanguard Charitable. • The values we share with Vanguard. • How to establish a donor-advised account.

Experience the value in . . . P.O. Box 55766 Boston, MA 02205-5766 888-383-4483 www.vanguardcharitable.org

The value in giving™ The Vanguard Charitable Endowment Program was founded by Vanguard as an independent, nonprofit organization. A majority of its trustees are independent of Vanguard. Although Vanguard provides certain investment management and administrative services to Vanguard Charitable through a service agreement, the Vanguard Charitable Endowment Program is not a program or an activity of Vanguard. Vanguard, Wellington, and the ship logo are trademarks of The Vanguard Group, Inc.

Giving.

© 2010 Vanguard Charitable Endowment Program. All rights reserved. VPROSP 102010

Vanguard Charitable Endowment Program • 888-383-4483 • www.vanguardcharitable.org

Recommend Documents
Feb 5, 2006 - prove hollow, but that you may be ready, as I said you would be. For if any .... A. The principle of Identity: you reap what you sow. One thing you ...

Claire Lee, or one of the elders – Jonty Rhodes, Matt Newboult and. Tim Houghton. How do you feel when the subject of giving comes up at church? Threatened ...

9ct gold jewellery. ~9ct gold bonded silver jewellery. + = total diamond weight. #chain sold separately. $. 0.15ct+ diamond huggies. YG MP5048. WG MP5047. ONLY $ each diamond pendant #. YG MP5000. WG MP5001. Your Choice. $ hoops~. MP2708. $. 0.25ct+

This little lady back here might look like Hannibal Lecter, and some days she is that intimidating but behind the blackberry mask, this is my 21-month-year old ...

(a simple tithe), an additional $_____ billion would be available for. Kingdom work. The funding of the Great Commission is possible! Most church giving comes from people over age ____. Howard Dayton, CEO of Crown Financial Ministries, states that wi

Feb 5, 2006 - Paul and the Corinthian church has soured, due to false teachers who gained a foothold and badmouthed him to the church. One of the many negative results of this development is that the money has stopped coming in. Here's the scenario:

Sep 5, 2014 - your bill-pay is: First Baptist Church Callahan. PO Box 605. Callahan, FL 32011-0605. Telephone: (904) 879-2172. If you have any questions, ...

this service of thanksgiving, which is included each year in the ... You can also find this service on our website at ... mission service? Send a Gift of Mission card.

Sep 30, 2017 - If you pay tax in the UK, you can Gift Aid your donation. Title. Initial ... I pay less Income Tax / or Capital Gains tax in the current tax year than the ...

Apr 28, 2015 - Sew another ribbon in place allowing you to tie a bow. Fill your gifting cone with flowers or goodies and share it and show someone you care ...