Gifts to the Center for Vector Biology may be made in several ways:

• The Rutgers Foundation will accept gifts online. Choose "New Brunswick Campus" from the main menu, and then choose 'Center for Vector Biology' from the institute and center drop-down menu.



• Cash Gifts:
  
  Please send a check to:
  Center for Vector Biology
  180 Jones Avenue, Headlee Labs
  Rutgers University - School of Environmental & Biological Sciences
  New Brunswick, NJ 08901-8536
  
  Make your check payable to the Rutgers University Foundation and designate the Center for Vector Biology within the memo portion of your check.
  


• Commemorative Gifts:
  
  Commemorating a special person with a gift to Rutgers can be tremendously satisfying. It is a lasting tribute to a friend, colleague, or loved one and provides valuable support to New Jersey's leading research university.
  
  A gift "in honor of" someone is usually made while that person is living, often for milestone occasions such as a graduation, promotion, birth of a child or grandchild, or retirement. A gift "in memory of" someone is the term used when the namesake is deceased. All these gifts are referred to as commemorative
  
  
• Gifts of Securities:
  
  While many donors prefer to make gifts of cash, many are taking advantage of contributing gifts of long-term appreciated securities to support Rutgers. To make your gift of securities, please call the Cook College Development Office at 732-932-9000, ext. 503.
  
  
• Gift Planning:
  
  By including the Rutgers University Center for Vector Biology in your financial and estate plans, you may increase your current income and provide future support for areas of the university important to you. Often you can make a larger gift that you might not have thought possible.
  
  
• Life Insurance:
  
  If you already own a policy with a significant cash surrender value, you may be able to make a major gift without affecting your current investment or cash flow. For example, you may have bought a policy years ago when family needs were great. Now your children are on their own, and you no longer need that protection for them. The donation of an existing whole life policy will carry a charitable deduction of approximately the cash surrender value.
  
  
• Deferred Payment Gift Annuity:
  
  This type of gift is a contract between you (the donor) and the Rutgers Foundation whereby the foundation guarantees to pay you, or persons you designate, income for life in exchange for a gift of cash or marketable securities. There are some rules. The gift must be valued at $5,000 or more, and you may not receive the income until after your 55th birthday. The income you will receive varies depending on your age when payments begin. The benefits include possibly increasing your retirement income, reducing current income taxes, and reducing future estate taxes. You may name yourself and your spouse or another person to receive the income.
  
  
• Charitable Remainder Trusts:
  
  Variations of this program are called a Charitable Remainder Unitrust or a Charitable Remainder Annuity Trust. Whatever the title, these programs pay quarterly interest to one or more people for life or a specified number of years. Eventually the amount remaining in the trust passes to Rutgers. An amount of $100,000 or more is recommended with this strategy, because each trust is a separate managed portfolio of investments, designed to meet your individual needs. The donor is entitled to an income gift and estate tax charitable deduction. The donor can avoid the capital gains tax by giving appreciated property or securities
  
  
• Charitable Lead Trusts:
  
  Lead trusts are the opposite of remainder trusts. Income from these trusts is paid to Rutgers for a term of years or a lifetime, and then the trust investments are returned to you or your family. Besides providing support to Rutgers, you can receive significant gift or estate tax deductions. Properly planned, this can enable you to pass on property that you expect to grow in value with little or no estate tax.
  
  
• The Pooled Income Fund:
  
  This program is essentially a charitable remainder trust with many participants. It is similar to a mutual fund in that each donor receives a proportional share of the income generated by the investments. You must be 45 or older and willing to make an irrevocable gift of $5,000 or more to participate. You will receive a quarterly payment for the rest of your life. Other benefits include taking a charitable income tax deduction for a portion of your gift, the removal of your gift from your taxable estate, and all income from the fund is taxed as ordinary income. If your gift includes long-term appreciated securities, you will avoid a capital gains tax on that appreciation, so that the income you receive is based on the full value of your investments.
  
  
• Real Estate:
  
  Highly appreciated real estate can be a tax burden. Donating the property to Rutgers can bring tax advantages similar to that of donating appreciated securities. If you have owned the property for at least one year before giving it to Rutgers, you earn a charitable deduction equal to the full fair market value, less any outstanding mortgage. The property is also removed from your taxable estate. Options exist that allow you to give your home to Rutgers and continue to live in it or to derive a lifetime income from the property.
  
  
• Matching Gift Programs:
  
  If you work at one of the 1,000-plus U.S. companies that have matching-gift programs, you can dramatically increase the impact your gift makes to the Center for Vector Biology.
  
  These companies recognize the importance of giving, and will match their employees' gifts, often 1:1 and sometimes more. Please check with your employer's personnel office to see if your company offers this benefit.
  
  
• Tangible Personal Property:
  
  A gift item directly related to Rutgers' broad mission of research, education, and public service is often fully tax deductible at its fair market value. Gifts not related to Rutgers' mission are deductible based on what you paid for the item. This is called a cost basis deduction. If you are interested in giving Rutgers some personal property, the Cook College Development Office can help you sort out the differences.
  
  
• Bequest:
  
  No one can predict the future. Affecting the future is another matter and entirely possible. One way to introduce your ideals and goals to future generations is to leave a legacy gift to Rutgers. Perhaps you want to ensure that the Center for Vector Biology continues to have the most advanced equipment, or that bright - but financially strapped - graduate students have access to fellowships. Or, you may wish to support the Center for Vector Biology's mission of excellence in education, research, and outreach. Whatever you select, you can be certain that a bequest to Rutgers will carry your goals forward.
  Legacy gifts are among the most popular types of deferred gifts because of their great impact and because they are completely revocable. Should your circumstances or goals change, the bequest amount or ultimate designation can be easily altered. There are several ways to make a bequest to Rutgers. You and your attorney can decide which is best for you. The Cook College Development Office would be happy to provide sample wording for your review and your attorney's opinion.
  If you decide to include Rutgers in your will, please consider alerting the Cook College Development Office in advance. This helps the University plan for the future and acknowledge donors while they are still living. You also become eligible for membership in the Colonel Henry Rutgers Society. Society members receive a seasonal newsletter featuring articles on Rutgers and financial planning tips. In addition, Colonel Henry Rutgers Society members are invited back to campus for an annual luncheon featuring a lecture by one of the University's esteemed faculty. Members are also invited to special events around the country.
  
  
• Charitable Remainder Trusts Combined with a Noncharitable Trust:
  
  This is another beneficial package. A Charitable Remainder Trust can provide you or your spouse with lifetime income. Combined with a noncharitable trust, such as a trust for a minor child or an educational fund for your grandchildren, it can help you advantageously distribute your assets.
  
  
• Replacing an Asset with An Insurance Policy:
  
  This is a creative use of life insurance. Make a donation to Rutgers -- securities, real estate, cash, personal property, whatever -- and, with the tax savings, buy a life insurance policy for the value of the donation. Life insurance can pass without tax to your heirs. Remember, tax savings will vary depending on the type and circumstances of the gift.
  
  

For more information on giving to the Center, please contact:

Carol Terry
732-932-9341
terry@aesop.rutgers.edu