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Other Ways to Give

Strategies For The Thoughtful Philanthropist

Being The Difference for Children
The reasons that people give are as diverse as the philanthropists themselves. The ways to give to Love Our Children USA™ are varied and can be tailored to each individuals situation.

Philanthropists make major gifts with various objectives. Be sure to review with a competent financial, tax and estate planner to determine the method, or mix of methods, that makes the most sense for structuring a specific gift.

Create a Legacy
A thoughtfully planned estate gift can help us reach those who are most at risk: America's Kids! The effect of your gift will go well beyond children. Your influence will extend to educating parents, childcare givers, and the general public. Your contribution can significantly advance our mission throughout the country.

Planned or legacy giving is an increasingly popular way for individuals to make charitable gifts, enabling a donor to arrange charitable contributions in ways that maximize his or her personal objectives.

Donor Benefits
Private philanthropy is the foundation of almost every nonprofit organization, including Love Our Children USA. To preserve the memory of a loved one, to fulfill a moral obligation, to express gratitude for a service well-performed, to demonstrate deep felt humanitarian concerns -- these are some of the reasons hundreds of thousands of people each year contribute to charitable organizations.

Depending on the state, the asset given and the gift arrangement selected, a donor can generally expect to obtain some or all of the following benefits:

- Fulfill personal philanthropic goals
- Reduce income tax through a deduction for the gift
- Avoid capital-gain tax on gifts of long-term appreciated property
- Retain a stream of payments for life for the donor and for other beneficiaries
- Eliminate federal estate tax on property passing to charity upon the donor's death
- Reduce costs and time in estate settlement

Kinds of Gifts
There are many ways to make a planned gift. The most popular gifts include naming Love Our Children USA in a will, making Love Our Children USA the owner and beneficiary of a life insurance policy or real estate.

Outright Gifts
Outright gifts are available immediately for use by Love Our Children USA. The gift can be used or sold for cash. Examples of such gifts include cash, securities, real estate, tangible personal property and paid up life insurance policies.

Gifts of Cash
Cash is the most common form that most donors choose, either as an annual gift or pledged over a number of years.
Securities and Real Estate
Popular alternatives to cash are gifts of appreciated property, such as securities and real estate.

Deferred Gifts
Deferred gifts are not available for use by Love Our Children USA immediately. Usually, they become available only after the death of the donor, or for certain trusts, after a period of years. Examples of such gifts include bequests, life income arrangements (gift annuities, charitable remainder trusts, charitable lead trusts, etc.) and life insurance. Deferred gift vehicles provide donors the opportunity to help ensure the future of our movement.

Gifts of Appreciated Assets
Stocks and bonds are the most popular forms of giving after cash. If these are long-term assets, the contributor is allowed a charitable deduction for the fair market value, with no capital gains tax.

Many people may choose to include Love Our Children USA in their wills. A bequest to Love Our Children USA will not incur state or federal estate or inheritance taxes. A bequest is the most common form of planned gift. A bequest is actually the element of a person's will that speaks to the making of a charitable gift. Bequests enable individuals to make significant gifts that they may not have been able to make during life.

Charitable Remainder Trusts
The two types of trusts are the unitrust, where income is calculated according to the value of the trust through an annual revaluation, and an annuity trust, where income is calculated up front and fixed at that level. They are held in separate accounts. The charitable remainder trust is a popular plan because of the financial and estate-planning flexibility it offers. A donor transfers property under a trust agreement that specifies how trust income and principal are to be distributed, and the trust may be created to become effective during life or at death. This trust is similar to the charitable lead trust, except that a charitable beneficiary receives the remainder interest.

A charitable remainder trust can provide financial security for the donor and the beneficiaries while generating significant federal estate-tax savings.

To qualify for favorable tax treatment, a charitable remainder trust must be in the form of either an annuity trust or a unitrust.

The annuity trust provides for payment of a fixed dollar amount annually --or at more frequent intervals--to the designated beneficiary or beneficiaries. The amount must equal at least 5% of the initial fair-market value of the trust.

The unitrust provides for payment of a variable amount--equal to at least 5% of the value of the trust as it is revalued each year --at least annually to the designated beneficiary or beneficiaries.

Both the annuity trust and the unitrust provide that at the death of the last beneficiary the trust principal is distributed to charity. The key difference is that payments from an annuity trust are fixed and do not change even though the value of the trust may change. Payments from a unitrust, however, fluctuate according to changes in the value of the unitrust.

Charitable Lead Trust
The lead trust is different from the remainder trust in that the charity receives the income payments from the trust for a given number of years rather than the donor's beneficiaries. Also, at the end of the trust term, the assets of the trust are returned to the owner or his or her designee. This allows the transfer of assets to heirs while greatly reducing gift taxes. This vehicle is used many times to transfer assets to children and grandchildren. Again, the trust must be in the form of either an annuity trust or unitrust.

Charitable Gift Annuity
Which is a contract under which Love Our Children USA agrees to pay a guaranteed annuity in exchange for a gift of cash or marketable securities. The rates depend on a donor's age and are based upon the Committee on Gift Annuities' actuarial tables. The charitable gift annuity is among the oldest, simplest and most popular of the charitable life income arrangements. In exchange for a transfer of cash or marketable securities, Love Our Children USA contractually guarantees to make specified annuity payments to the donor and/or another beneficiary. The payment rate depends on the age and the number of beneficiaries. Some state restrictions may apply to gift annuities.

Payments may begin immediately or, with a deferred gift annuity, at a set time in the future - at retirement, for example. This type of annuity is attractive to donors who have a high current income and who are interested in augmenting potential retirement income on a tax-favored basis.

Life Insurance
While most people own some form of life insurance because of its unique ability to meet a variety of  needs for financial protection, its role in planned giving is frequently overlooked. Life insurance itself can be the direct funding medium of a gift, permitting the donor to make a substantial gift for a relatively modest annual outlay. Insurance can also replace the value of an asset given to Love Our Children USA. Life insurance allows a donor to make a substantial gift on an installment basis by making a series of modest payments, and a gift of life insurance is certain, the proceeds are paid promptly, without going through the time-consuming process of probate. Depending on the arrangement of the gift, life insurance can create a number of favorable tax consequences.

In Kind Gifts

• Underwrite Printing Costs
• Donate Airline Tickets/Frequent Flyer Mileage
• Make an "In-Kind" Donation of Office Equipment, Office Supplies, Furniture, etc.
• Provide Warehouse/Freight Services
• Donate Media Space
• Donate Advertising Dollars
• Underwrite an Event
• Donate Designing of Brochures

Other Ways You Can Give
• Organize and Host a Fundraiser
• Raise Public Awareness Through Our Speakers Bureau
• Purchase Items that Support Love Our Children USA
• Host an Educational Presentation
  Be a Friend to a Stressed Out Parent
• Be a Friend to a Child Who Has Been Victimized

For more information contact:

Love Our Children USA™
Toll Free:1.888.347.KIDS


Love Our Children USA is a 501(C)(3) tax-exempt organization. We do not accept any government funds or funding that might seek to influence our positions. Love Our Children USA is a private, nonprofit charitable organization. All donations are tax-deductible to the extent allowed by law.  

Love Our Children USA's Federal Taxpayer ID Number is:  06-1563232

Disclosure: If you would like further information you may obtain it directly by writing to the office of the Attorney General, Department of Law, Charities Bureau, 120 Broadway, New York, NY 10271. Registration with a state agency does not constitute or imply endorsement, approval, or recommendation by that state.

For further financial and descriptive information please refer to Love Our Children USA's profile at

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