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If you've been through the Publix checkout line in Naples, Florida, you may have met Ruth Stockinger.

How do you know? She's genuinely friendly, even though you've just met. She has an authentically positive attitude that leaves you feeling inexplicably happy. The biggest clue: As you pay, she invites you to donate to charity, then lets you select from a shopping cart filled with small prizes—purchased with her own money.

"The kids get excited, and the parents donate, so the whole community helps each other," explains Ruth, who works at the grocery store two days a week.

A Natural Fundraiser
Ruth has been at this kind of thing for a long time, starting with Hadassah nearly 30 years ago. Back in Richmond, Virginia, she was inspired by the activism of other Hadassah members. "I thought, ‘Gosh, she does this, and she's on that committee,'" Ruth recalls. "So when they asked if I'd like to sell cards and tree certificates, I said I'd love to."

Ruth didn't just sell, though—she made a little industry of it, putting together inviting displays and incentives. "The others said, ‘In four years of the chapter, no one could raise as much money as you did, Ruth!'"

It has long been important to Ruth to lend support to Israel—both financial and moral. "Ever since my first trip to Israel in 1969 as a kibbutz worker, I just fell in love with the country," she says. "I am an American, and I love my country, but ever since that first trip, I knew that Israel was home, too. I feel I am a link in the chain of Hadassah women."

Ruth was named Outstanding Worker for her chapter, and soon moved up through the ranks, eventually reaching the level of Keeper. But raising money comes naturally to her. "I genuinely like to do things that will make people happy, and I genuinely love Hadassah," she says. "It's not phony baloney. That builds excitement."

Helping Hadassah While Receiving Payments
Today Ruth and her husband have six grandkids upon whom they lavish attention—not to mention their beloved corgi, Ami Rose.
And her excitement for Hadassah's work continues. That's why she has created two  charitable gift annuities through the organization. The gifts help support the future of Hadassah and provide her with regular lifetime payments today. (Read more about this gift inside.)

"I'd seen the gift annuities in the Hadassah magazine, and I said to my husband, ‘You know, this would be wonderful, because Hadassah would get the money, but we'd get a dividend, too,'" she says. "We'd still have a little something for ourselves while ensuring that Hadassah had the money. It's a little like the candy cart! Everything gets something."

Learn More
Contact Planned Giving & Estates at (800) 428-8884 or giving@hadassah.org to learn more about the benefits you could receive from a charitable gift annuity.

A charitable bequest is one or two sentences in your will or living trust that leave to Hadassah a specific item, an amount of money, a gift contingent upon certain events or a percentage of your estate.

an individual or organization designated to receive benefits or funds under a will or other contract, such as an insurance policy, trust or retirement plan

"I give to Hadassah, a nonprofit corporation currently located at 40 Wall Street, 8th floor, New York, NY 10005
ATTN: Planned Giving & Estates, or its successor thereto, ______________ [written amount or percentage of the estate or description of property] for its unrestricted use and purpose."

able to be changed or cancelled

A revocable living trust is set up during your lifetime and can be revoked at any time before death. They allow assets held in the trust to pass directly to beneficiaries without probate court proceedings and can also reduce federal estate taxes.

cannot be changed or cancelled

tax on gifts generally paid by the person making the gift rather than the recipient

the original value of an asset, such as stock, before its appreciation or depreciation

the growth in value of an asset like stock or real estate since the original purchase

the price a willing buyer and willing seller can agree on

The person receiving the gift annuity payments.

the part of an estate left after debts, taxes and specific bequests have been paid

a written and properly witnessed legal change to a will

the person named in a will to manage the estate, collect the property, pay any debt, and distribute property according to the will

A donor advised fund is an account that you set up but which is managed by a nonprofit organization. You contribute to the account, which grows tax-free. You can recommend how much (and how often) you want to distribute money from that fund to Hadassah or other charities. You cannot direct the gifts.

An endowed gift can create a new endowment or add to an existing endowment. The principal of the endowment is invested and a portion of the principal’s earnings are used each year to support our mission.

Tax on the growth in value of an asset—such as real estate or stock—since its original purchase.

Securities, real estate or any other property having a fair market value greater than its original purchase price.

Real estate can be a personal residence, vacation home, timeshare property, farm, commercial property or undeveloped land.

A charitable remainder trust provides you or other named individuals income each year for life or a period not exceeding 20 years from assets you give to the trust you create.

You give assets to a trust that pays our organization set payments for a number of years, which you choose. The longer the length of time, the better the potential tax savings to you. When the term is up, the remaining trust assets go to you, your family or other beneficiaries you select. This is an excellent way to transfer property to family members at a minimal cost.

You fund this type of trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. You can also make additional gifts; each one also qualifies for a tax deduction. The trust pays you, each year, a variable amount based on a fixed percentage of the fair market value of the trust assets. When the trust terminates, the remaining principal goes to Hadassah as a lump sum.

You fund this trust with cash or appreciated assets—and may qualify for a federal income tax charitable deduction when you itemize. Each year the trust pays you or another named individual the same dollar amount you choose at the start. When the trust terminates, the remaining principal goes to Hadassah as a lump sum.

A beneficiary designation clearly identifies how specific assets will be distributed after your death.

A charitable gift annuity involves a simple contract between you and Hadassah where you agree to make a gift to Hadassah and we, in return, agree to pay you (and someone else, if you choose) a fixed amount each year for the rest of your life.

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A comprehensive guide to all of Hadassah's planned giving options


How to make a gift for Hadassah through a charitable gift annuity


Deferred charitable gift annuities


Using retirement assets to make a gift to Hadassah


Using life insurance to make a gift to Hadassah


Favorite ways to make a gift to Hadassah






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