Ways to Donate
can now easily contribute to Women's
Give a gift that will change
the lives of women entrepreneurs.
Initiative does receive public support,
we rely heavily on private contributions.
Most programs receive little or no
You can donate by clicking on the
above icon, or you can call the Development
(510) 287-3113. We can take Visa and
MasterCard information over the phone,
by email and by fax: (510) 451-3428.
donate three ways:
• Make an on-going
commitment by contributing on a monthly
basis. All you need is any major credit
card. (You only have to sign-up once.) CLICK
HERE to set up your monthly
• Make a one-time
tax-deductible donation with any major
credit card. CLICK
HERE to donate now.
• Or mail your tax-deductible
donation (Please make check payable to
Women's Initiative) to 1398 Valencia Street,
San Francisco, CA 94110.
contribution is tax-deductible. Women's
Initiative for Self Employment is a 501(c)(3)
Help support our microenterprise training
programs for low-income women. Your investment
in Women’s Initiative contributes to a strong
and sustainable Bay Area economy by creating jobs
and reducing reliance on public assistance. As
you know, economic self-sufficiency reaches beyond
the workplace and into the home and family life
of thousands of women trained at Women’s
Initiative. Your vision and financial support
makes this possible.
You can always count on Women's Initiative to
use your contribution wisely. Over the past three
years, Women’s Initiative has more than
doubled the number of women served on an annual
basis and business start-ups have nearly tripled.
When you donate to Women's Initiative,
your resources are helping women turn their dreams
into a reality! READ
MORE about our successful graduates.
Matching Gift Program
Many employers offer matching gift programs to
encourage their employees to support charitable
causes. These programs often match funds for donations
or volunteer time. Every employer has unique rules
for such programs, so check with your Human Resources
Department for guidelines on the type of organization
and how much they can receive in matching funds.
They can also provide you with the necessary form(s).
Find out whether Women's Initiative is included
in your company' s Matching Gift Program. For
more information, visit www.guidestar.org.
Women's Initiative is always glad to accept office
and event supplies such as flowers, printing,
photography, and wine that can contribute to our
program and events.
Donating stock is an easy and fruitful way to
invest in Women’s Initiative. We are willing
to help you through this process. CLICK
HERE for details on how to contribute.
In estate planning, you first need to think about
yourself, your family and loved ones. Once these
needs have been addressed, the Internal Revenue
Code provides a number of opportunities for you
to benefit the nonprofit institutions which you
support. The money you divert from flowing to
the government in taxes can instead flow to these
charitable causes, such as Women’s Initiative.
If you have an interest in supporting Women’s
Initiative, we are willing to help you through
this process, working with you and your estate
planners. When you are ready, contact us to set
up a time to meet and discuss your particular
situation. If you have specific ideas as to activities
you would like to support, such as the SuccessLink
program, for example, or wish to make a gift directed
to a specific charitable purpose which falls within
the Women’s Initiative guidelines, we can
discuss this also in more detail. Named gifts
are also possible. First, however, please take
a moment to read the following brief examples
of charitable giving strategies. While this is
not a compete list, it should give you some ideas
Gift of Appreciated Securities
There are many ways to make a contribution to
Women’s Initiative, but one of the least
expensive to the donor and most beneficial may
be a gift of appreciated securities. The details
may seem complicated, but simply described, this
method takes advantage of tax rules that allow
a donor to deduct from current income the full
current value of donated securities.
If you bought securities many years ago, you
may have a very low cost basis that would require
the payment of significant capital gain taxes
if you sold them. By donating these securities
to Women’s Initiative you might be able
to give even more than you thought possible. For
example, an out of pocket cost for the original
investment of only $3,000 might enable you to
give Women’s Initiative stocks with a value
of $11,000. As the donor, you are able to avoid
paying capital gains tax on an appreciated security,
and you receive a charitable deduction for the
full fair market value of the stock when the gift
is made, so long as you have held the stock for
more than one year.
There is no Federal Alternative Minimum tax impact
arising from gifts of appreciated securities.
The stock must be saleable by Women’s Initiative,
but eligibility under Rule 144 is enough.
We understand that every person's tax situation
is different. Your tax advisor can tell you how
the actual numbers would work out in your case.
However, the advantages are clear. Giving appreciated
securities to the Women’s Initiative provides
full benefit to the organization while reducing
the after-tax cost of the gift to the donor. The
donation of land, improved or unimproved, works
in the same way.
Gifts of IRAs and Other
Designating us as a beneficiary of a qualified
savings and investment plan such as an IRA, 401k
or Keogh plan is among the simpler strategies
for reducing income and estate taxes upon death.
For donors in higher tax brackets, combined taxes
can significantly reduce the market value of these
assets upon transfer. The gift can be for either
the entire balance or for a specific portion.
The giving strategy called "Life Estate"
allows the donor to transfer ownership of real
estate – a home or even a second home (including
condominiums and cooperatives) – to Women’s
Initiative while retaining use of the real estate
for the life of the donor and spouse. The benefit
is that an immediate income tax deduction is earned,
which would not be the case if the gift were made
in the form of a bequest.
There are two principal ways a donor can use life
insurance to support Women’s Initiative.
One is to establish a new policy with us as beneficiary.
The other is to transfer an existing policy from
its original beneficiary to us when its original
purpose is no longer necessary. Both methods are
cost-effective and tax-efficient. Post-transfer
premium payments are tax deductible.
We have been asked if it is possible to make a
gift on a deferred basis so that a spouse or child
can receive the benefit of income from an asset
for a period of time prior to transfer to Women’s
Initiative. The general category for such a gift
is the Charitable Remainder Trust.
With a Charitable Remainder Trust, you irrevocably
transfer cash, securities, or property to your
Trust. The Trust pays you (or your designated
beneficiaries) a payout which represents a percentage
of the trust assets. The percentage can be a "unitrust"
payout or an "annuity" payout. With
a Unitrust payout, the trust reflects the market,
so your income is variable. Because income increases
with trust growth, the Unitrust can provide an
excellent hedge against inflation. With an Annuity
payout, the payout is based on the value of the
assets at the time the annuity trust is established,
and it remains fixed for the term of the agreement.
At the termination of the Trust (either at the
death of income beneficiaries or after a specified
term of years), the remainder is transferred to
us as your gift.
When you create a Charitable Remainder Trust,
you are entitled to a significant income tax deduction
generally equal to the value of the property you
contribute less the value of the Unitrust or Annuity
payouts to be made to you or to your beneficiaries.
The value of the Unitrust or Annuity payouts depends
upon the expected term of the trust, the percentage
to be paid, and the fair market value of the assets
used to fund the trust. The value of the deduction
you may claim is limited to a percentage of your
Adjusted Gross Income (AGI). When the Unitrust
or Annuity interest ends, the trust terminates
and the principal is available for the use of
Charitable Lead Trusts
A Charitable Lead Trust can be described as a
mirror image of the Charitable Remainder Trust.
During the term of the Charitable Lead Trust,
an annuity or unitrust amount is paid to the charity,
and upon the expiration of the term the remaining
assets of the trust are paid over to the non-charitable
remaindermen – usually the donor's children.
Upon funding a Charitable Lead Trust, the donor
generally does not receive an income tax deduction.
However, the amount of the gift to children is
reduced for gift tax purposes by the value of
the annuity or unitrust interest given to the
charity. The longer the trust term, and the higher
its payout rate, the greater the gift tax savings.
Further, future appreciation on the contributed
assets is not subject to further gift or estate
taxes when the trust terminates. This is an excellent
strategy to enable a Trustor to save on gift and
estate taxes while benefiting Women’s Initiative.
Many donors elect to provide support in the form
of a bequest, effective at the donor's death and
specified in a will or trust agreement. Such charitable
bequests are fully deductible for federal estate
tax purposes. The structure of a bequest can take
many shapes. Frequently, it is a specific figure
or asset. Alternatively, it can be a residual
estate – or percentage thereof – after
non-charitable bequests to family members are
Illiquid assets in an estate – art objects,
antiques, real estate, rare books – often
are troublesome because high valuations may cause
executors to sell these items at depressed prices
in order to pay estate taxes. Conveying illiquid
assets to us by bequest eliminates this problem.
Your estate planner can draw up wills or trusts
with bequests that effectively shelter your assets.
For additional information about Women's Initiative
(i.e. Tax ID number or proof of non-profit status)
please visit www.guidestar.org
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