Torch, Summer 2004

Summer 2004 / TORCH 13 Did You Know ... G ood planning requires good information. By accessing our Internet site you can find state-of-the-art estate planning information to assist you in creating the plan that is right for you. Rising property values, growth of retirement accounts and other investments, various types of life insurance, as well as recently enacted and changing tax laws require planning far into the future. Without a plan, an unnecessary amount of your assets may go to state and federal governments in taxes. Your remaining assets may also go to individuals other than those loved ones you prefer to benefit. The guardianship of minor children may also be left for the laws of the state to determine. We maintain up-to-date gift planning information for you to access via the Internet. On our site you can find information regarding: www.cedarville.edu/giftlegacy • Wills and Trusts Estate planning alternatives — Do you need a will or a trust? What are the benefits of a trust? Is my will or trust current? • Personal Finance Are you receiving your full income tax savings from your gifts? Do you know the five requirements for a valid will? • Income Producing Gifts Learn how to increase income with gift annuities or charitable trusts. • Tax Deductions View detailed donor stories and sign up for a free weekly personal finance e-mail newsletter. • Color Web Presentations With Clear, Simple Explanations View presentations that show income and tax benefits personalized for you. You may view a unitrust, annuity trust, gift annuity, or gift and sale. • Current Stock Market Information See current DOW, NASDAQ, and S&P 500 information updated with the latest quotes. • News Articles Find helpful information, including updates on Social Security, Medicare, stocks and bonds, Washington Hotline, article of the month, and more. • Washington Updates Find out about changes that will affect your finances — new tax changes, ways to save tax, and major political stories. • Easy-To-Use Format Please take a few minutes today and browse through the free tools we make available to you. The benefits will last a lifetime and leave a legacy beyond. Log on today! www.cedarville.edu/giftlegacy