Various ways you can support PRD

Bequests The most common and simplest form of planned giving, a bequest is a gift that is made through a donor’s will. Individuals may include Public Radio Delmarva in their wills by naming Public Radio Delmarva for either a specific amount or a percent share of their estate. Donors can also name Public Radio Delmarva as the residual beneficiary of their estates after payment of bequests to others. Benefits of making a bequest gift include the fact that donors do not have to part with any money until they die, and do not owe any estate tax on the amount of the bequest. For more information on making a bequest gift to Public Radio Delmarva, please contact our membership department at 1-800-543-6895. back to the top Cash, Check or Credit Card Donations The most popular and easiest way to make a donation to Public Radio Delmarva is by cash or check made payable to Public Radio Delmarva. We will gladly accept cash gifts. However, we do not recommend sending cash via any postal service or courier. To make a donation using cash, please bring it directly to our station located in Caruthers Hall on the campus of Salisbury University in Salisbury, Maryland  during regular business hours (Monday-Friday. 8:00 a.m. - 5:00 p.m.) Our staff will issue you a receipt while you wait. To pay by credit card, use our secure online payment form.  Click here to make an online pledge.  We honor Visa, Master Card, and American Express. When paying by check, regardless of the designation of your donation, please make the check payable to: Public Radio Delmarva. If possible, include a completed donor card instructing us where you would like to designate your donation. Otherwise, if you do not have a donor card, in the "memo" section of your check write the area or designation of your gift. Then, mail your donation to: Public Radio Delmarva P.O. Box 2596 Salisbury, Maryland 21802 Special Note: To make a memorial or honorary gift by cash or check, first, follow the instructions above. Second, attach a note that includes the name of the person you are memorializing or honoring, and the family's contact name and address (for memorials) or the individual's name and address (for honorary gifts). We will be sure the family/individual is notified of your thoughtfulness. back to the top  Charitable Lead Trusts Charitable Lead Trusts are most appealing to individuals who want to pass appreciated assets to their heirs without paying a substantial amount in taxes. This is done by allowing Public Radio Delmarva to receive income from the donor’s assets for a specified time during which the donor can receive substantial tax benefits, after which the asset is transferred back to the donor or to the donor’s heirs. The donor does pay a gift tax on the asset when it is placed into the trust, after which it can grow tax-free. A lead trust can, however, reduce gift and estate taxes or provide a charitable deduction for the donor. For more information on Charitable Lead Trusts, please contact our membership department at 1-800-543-6895.  back to the top  Charitable Remainder Trusts Two basic types of charitable remainder trusts qualify for federal tax benefits. In both arrangements, a donor irrevocably gives stock, cash, or other assets to a trust naming Public Radio Delmarva as the beneficiary. Those assets are invested, producing income for the donor - or other beneficiary - either for a fixed period of time or until the donor dies. The donor is allowed to claim a tax deduction for the estimated portion of the assets that will ultimately come to Public Radio Delmarva. When the donor dies, PRD receives all remaining trust assets. The two types of remainder trusts are Unitrusts and Annuity Trusts. Under a basic Unitrust, the donor receives one or more yearly payments equaling a fixed percentage of the value of the asset, which is assessed each year. Under an Annuity Trust, the donor receives a yearly fixed payment equaling at least 5% of the value of the asset at the time the deferred-giving agreement was signed. By establishing Charitable Remainder Trusts, donors can get income-tax deductions and escape capital-gains taxes. Many donors find the trusts an appealing way to prepare for retirement. The assets can be invested to earn a lower rate of return when the donor is younger and then shifted to earn a higher rate of return, and thus provide more income during the donor’s later years. For more information on Charitable Remainder Trusts, please contact our membership department at 1-800-543-6895. back to the top  Gift Annuities The gift annuity agreement provides older donors who give cash, securities, real estate, or personal property with fixed annual payments for a specified period of time, usually for life. With a deferred gift annuity, the annual payments do not start when the gift is made but begin at a later time specified by the donor. Gift annuities are attractive to donors who want to receive income from assets that have risen sharply in value, such as cash or stocks. In return for gifts of such assets, PRD guarantees the donor a fixed annual income for the rest of their lives and helps the donor avoid capital-gains tax. The donor also gets an income-tax break on a portion of the earnings from an annuity; the exact amount depends on the donor’s age. For more information on Gift Annuities, please contact our membership department at 1-800-543-6895. back to the top  Evergreen Friend Help Public Radio go green! Evergreen Friends help PRD save money on postage and billings and reduce paper waste as well. The Evergreen Friends of Public Radio Delmarva offer their support with an ongoing monthly contribution that is deducted each month from your credit or debit card. For example, $10 a month, $20 a month- or as little as $5 a month. You decide what fits into your budget. Evergreen Friends are renewed each year and you never have to think about when you last contributed.  You are in control of your contributions. You may choose at any time to increase, decrease or discontinue your monthly gift.  For more information on becoming an Evergreen Friend, please contact our membership department at 1-800-543-6895. back to the top  iGive A Free Way to Help Public Radio Delmarva Raise Much-Needed Funds. Every time you shop at any of 700+ online stores in the iGive network, a portion of the money you spend benefits Public Radio Delmarva. It's a free service, and you'll never pay more when you reach a store through iGive. In fact, smart shoppers will enjoy iGive's repository of coupons, free shipping deals, and sales. To get started, just create your free iGive account. And when you search the web, do it through iSearchiGive.com where each search means a penny (or more!) for our cause! Why We Trust iGive.com: Established in 1997, iGive is the first online shopping mall where a portion of each purchase benefits the shopper's favorite cause. iGive members have raised over $3.5 million for charities across the U.S. and Canada, and this small army of caring shoppers have become an influential force in the internet marketplace. Over 700 of the web's best stores have come to recognize the value of iGive shoppers, and this allows iGive to negotiate some of the best donation rates and exclusive coupons for its members. As an added bonus, when you shop through iGive you always have the extra support of their highly responsive customer service team, just in case something goes amiss. Start iGiving at: www.iGive.com  Note: Type "WSCL", "WSDL" or "Public Radio Delmarva" in the keyword search box. back to the top   Life Insurance A gift of whole life insurance can be made to Public Radio Delmarva by naming Public Radio Delmarva the irrevocable owner and beneficiary of the policy. Gifts of life insurance policies require charitable contributions from the donor to PRD  in the amount of any premiums, including unscheduled premiums, which may become due. For more information about giving a life insurance policy to Public Radio Delmarva, please contact our membership department at 1-800-543-6895. back to the top  Personal Property or Real Estate Donations Public Radio Delmarva  gladly accepts gifts of tangible personal property that the station would otherwise need to purchase, or that further the endeavors of the station. While Public Radio Delmarva is grateful for every donor’s intent to give, some personal property donations must be approved by the Salisbury University Foundation, Inc. Gifts that do not require prior approval include televisions, VCR’s, stereos, computers, software, items for auction, and tickets to athletic events. If you are interested in donating any item to Public Radio Delmarva ,please contact our membership department at 1-800-543-6895. We will give you instructions on how to make your gift and/or if the gift will need prior approval. back to the top  Stock or Securities There are several ways to transfer securities to Public Radio Delmarva: Electronic Transfer, Mailing Certificates, or Hand Delivery. For information regarding the valuation of stocks and bonds or gift crediting, please contact Salisbury University Foundation Accounting Office at (410) 543-6392. Electronic Transfer: The most popular and most efficient way to transfer securities to Public Radio Delmarva  is by electronic transfer. This is done through a free delivery which simply means that PRD gets 100% of the value of the transfer versus the broker receiving a portion in commissions. If your stock is held at a broker, notify the broker that you wish to make a gift of securities to Public Radio Delmarva. Your broker will need written authorization from you before they can make the transfer. Be sure to tell them the name of the stock that you want to transfer, the number of shares, and where you would like your gift to be designated when it reaches the Public Radio Delmarva account. Once you have authorized the transfer, ask your broker to contact the Salisbury University Foundation Accounting Office at 410-543-6392.  Our office will give your broker complete transfer instructions. Note: Even if you have donated securities in the past, be sure your broker contacts the Salisbury University Foundation Accounting Office BEFORE the transfer is made. The transfer instructions can change from year to year. A quick phone call from your broker to verify the current instructions will prevent any transfer problems.   back to the top Mailing Stock Certificates: If your securities are not held at a broker (see Electronic Transfer if they are) then you can either mail or hand deliver the certificates directly to Public Radio Delmarva. If mailing, send your unendorsed certificate(s) and a cover letter (including your name, address, and purpose of the gift) in one envelope. In a second envelope, send a signed, signature guaranteed, stock power. We strongly recommend using registered mail to forward your certificates and stock power. A stock power form can be obtained at your local bank or by calling the Salisbury University Foundation Accounting Office at 410-543-6392. Hand Delivery: Certificates may be given to a Public Radio Delmarva staff person or delivered to the station in Caruthers Hall. Note: Please DO NOT mail endorsed certificates! Once the certificate is endorsed, it is legal tender and can be exchanged by anyone. It is strongly recommended that certificates not be sent to a transfer agent for registering in Public Radio Delmarva's  name. This procedure is unnecessary and results in needless delays of the transfer. Our Mailing Address Public Radio Delmarva WSCL 89.5 FM and WSDL 90.7 FM P.O. Box 2596 Salisbury, MD  21802 Phone: (410) 543-6895 or 1-800-543-6895 FAX: (410) 548-3000 back to the top