Charitable Giving Information

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Charitable Giving Software

Everyone spends his or her money differently. While one person may find eating out a necessity, another prefers to put a little extra aside for faraway vacations. How you ultimately spend your paycheck is up to you. However, when applying for a mortgage, or other large loan, you financial institution will be looking at some important spending ratios to determine if you qualify. It’s important to try and stay within these limits on certain spending items. Check with your particular lender for limits.

According to the U.S. Bureau of Labor Statistics Consumer Spending Survey, most American consumers spend the following amounts on the following items:

Food: 14.1%
-At home: 7.7%
-Away from home: 5.4%
-Alcoholic beverages: 1.0%

Housing: 32.9%
-This includes mortgage/rent; utilities; insurances and upkeep/maintenance.

Transportation: 19.1%
-Vehicles: 9.1%
-Gasoline: 3.3% (In 2003)
-Insurance: 6.7%

Apparel and Services: 4.0%
-The cost of new clothes, dry cleaning expenses, etc.

Healthcare: 5.9%
-Doctors, dentists, eyewear expenses; over-the-counter-medications, medical co-pays and deductibles. This does not include healthcare premiums.

Entertainment: 5.0%
-Movies, outings, vacations.

Personal Care products and Services1: 1.3%
-Haircuts, salon fees, etc.

Reading: 0.3%
-Magazine subscriptions, books, etc.

Education: 1.9%

Tobacco Products: 0.7%

Miscellaneous: 1.5%

Cash Contributions: 3.4%
-Religious tithes, charitable contributions, etc.

Personal Insurances and Pensions: 9.9%
-Health insurance premiums, 401K contributions, life insurance, disability insurance, etc.

Every family’s expenditures will be different. However, if you notice one of your own spending accounts in excess of these national statistics, it may be time to reevaluate why you are spending so much in a particular area.

Some areas that may be cut, according to most financial experts include:

Transportation: if your transportation (car) costs are much higher than the 19.1% national average, the odds are you own too much car for your budget. Try downsizing to a less expensive vehicle. You’ll not only save on monthly loan payments, but also on insurance premiums, upkeep and gas.

Miscellaneous accounts can be a budget killer for many. This is where we spend on the most frivolous items: morning coffee; specialty items; expensive gifts; etc. Try and keep this percentage under 1.5%, warn experts.

Entertainment can be a budget buster for some. While the average percentage is 5% f your annual bring-home salary, that amount can be excessive, especially for higher wage earners. This is an easy area to bring down expenses. While it’s fun to g out every weekend with friends and pick up the tab, try staying at home or having a quieter, more low-key (and less expensive), get-together with friends instead.

Food. Most Americans spend more than 14% of their monthly income on food – regardless of their family size! Considering that more than half of that amount is spent eating out at restaurants and fast food joints, it ma be time to hit the grocery store and eat at home in order to save a bundle at the checkout.

Saving money doesn’t have to be difficult. Taking the time to see where the money waste in your household is spent can be a great way to streamline expenses and learn to save.

About the Author:

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Source – Personal Finance – What Does The Money Get Spent On

The Gift of Love – very unique and painless charitable giving program

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Furniture Donations To Non Profits

Question: How do I create a plan to increase donations for a non-profit?

I am a recent graduate who just started my first “real” job. I need to come up with a concrete “business” plan to show my boss how I plan to generate more furniture donations for a non-profit furniture store. I could really use some help with how to form the plan on paper so it is impressive, I already have a lot of ideas of how to generate donations but I could always use more and I am unsure of how to shape the business plan my boss wants or if it would even be considered a business plan. Any help is greatly appreciated!!!

Answer: If you use Microsoft Office, there are free templates on their website that you can download. At a quick glance I didn't see any specifically for non-profits, but you could adapt the style to your project if you're mainly looking for format ideas.

University of Illinois Alternative Spring Break 2008 helps Furnishing Our Neighbors New Orleans

Charitable Trust In Mumbai

Question: Could you please let me have the site where all Charitable Trusts based out of Mumbai are listed/?

I am looking for an almost exclusive list of Charitable Trusts operating out of Mumbai. I need to contact the various trusts connected with a revolutionary concept that I have devised for collecting funds without donations.

Answer: Your best bet would be to try karmayog.org or else google for ngos in india. I'm not sure I've ever found an exclusive list of ALL trusts. But if you're willing to do a bit of searching and surfing you will probably find several good lists and be able to reach quite a few.

Ratna Nidhi charitable trust(www.rnct.org)

Income Tax Planning 2009 India

Question: 2008-2009 Tax return for NRI?

hi,

i was working in china from Nov-2006 to Oct-2008 & from Nov`08 to March`09 there no Income in India.
now i am planning to file tax return for Assessment Year 2008-2009 (ie April 2007 to March 2008)

1. what form should i use to file the return (ITR-1)?
2. what late payment fee is applicalble for me?(bcoz i am filing now but the due date was 31 July-2008)
3. should i consider the amount transfered to NRE (April`07 to March`08) under ” INCOME FROM OTHER SOURCES”
4. Should i do the same for Assessment Year 2009-20010 (ie April 2008 to March 2009) due as on July 2009

reg
Vinod

Answer: 1. ITR-1 is Ok if you have no capital gains income.

2. 31st July 2008 is the last date. Still you can file your returns with payment of interest on the taxes due by you. If there is no tax due by you, then no interest. You can file your returns till 31.3.2009 without any penalty.

3. You are an NRI for the period 1.4.2007 to 31.3.2008. The amounts transferred to your NRE A/c from China or so will not be treated as your income in India. So no question of showing the amount transferred to your NRE a/c in any head (Income from Other Sources etc.,)

4. Waite till 31st July 2009 and decide what to do at that time.

Anyway It is better to consult a Income tax consultant and file your returns.

Health Care Stakeholder Discussion with Nancy-Ann DeParle

Christmas Donations Denver

Born on May 29, 1984, Carmelo Anthony attended college at Syracuse and currently plays for the NBA’s Denver Nuggets. As a freshman in college, he was named Second-Team All America by the Associated Press. Anthony led the team to the school’s inaugural NCAA Championship in men’s basketball. In addition, Carmelo Anthony was named as the Most Outstanding Player of the 2003 Final Four and East Regional.

Carmelo Anthony began his professional basketball career in 2003 after being drafted third by the Denver Nuggets. During an outstanding rookie season, Anthony played in all 82 seasonal games and averaged 21 points per game. He received a unanimous vote for the NBA All-Rookie First Team and became the first NBA rookie to lead a playoff team in scoring since the 1989-1990 season. In 2004, he won a bronze medal as a member of Team USA during the 2004 Summer Olympics.

During the 2004-2005 season, Carmelo Anthony played and started in 75 games and averaged 20.8 points. In late December, he missed five games due to a sprained ankle, first one the left and another on the right. Earlier that month, he scored the 2,000th point of his career and became the third youngest player in NBA history to reach that milestone. During the 2005-2006 season, Carmelo Anthony averaged an impressive 26.5 points per game, 4.90 rebounds and 2.7 assists.

Off of the court, Carmelo Anthony has shown his dedication extends well beyond basketball as he believes in giving back to the community. In an effort to aid in the Asian Tsunami relief efforts, Carmelo Anthony agreed to donate $1,000.00 for every point scored against San Antonio during a January 8, 2005 game and also against Houston on January 9, 2005. When all was said and done, that donation totaled $35,000.00. In addition, he hosted ‘A Very Melo Christmas,’ which brought joy to hundreds of children who participated in a festive holiday party.

Standing 6′8″ tall and weighing 230 lbs., his full name is Carmelo K. Anthony. He has two brothers, one sister, and two dogs. Fans who would like to request a signed photo or simply send Carmelo Anthony their best wishes are urged to do so in care of his NBA franchise team. If you are requesting an autograph, be sure to include a SASE (self-addressed stamped envelope) along with your request. Popular items to have signed include blank index cards, trading cards and photographs. It is recommended that fans not send any item that they cannot afford to lose, such as prized possessions and/or limited edition collectibles. As with all mailed autograph requests, there is no guarantee of a reply. For this reason, many fans simply prefer to request a signed photo. Depending on the athlete’s schedule, autographs may be authentic, secretarial, pre-printed or even impossible to provide. Patience is the key to requesting autographs by mail, especially when you are talking about an athlete as popular as Carmelo Anthony. Letters and requests should be mailed to:

Carmelo Anthony
Denver Nuggets
Pepsi Center
1000 Chopper Place
Denver, CO 80204

About the Author:

Read complete Carmelo Anthony biography or see recent Carmelo Anthony pictures and many other fan resource on Carmelo Anthony fan site http://www.carmelo-anthony.org

Article Source: ArticlesBase.com – Carmelo Anthony Denver Nuggets

2007 KYGO Christmas Crusade for Children with Fox 31