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	Financial endowment - Wikipedia, the free encyclopedia
		A financial endowment is a transfer of money or property donated to an institution, with the stipulation that it be invested, and the principal remain intact.
		At universities, typically 5% of the endowment's assets are spent every year, with any excess earnings reinvested to augment the endowment and to compensate for inflation and recessions in future years.
		A constantly growing endowment shields universities from competitive forces – As the endowment’s reinvestment starts becoming a larger part of its growth, the need for happy students and alumni to donate funds to the university’s budget and endowment are reduced.
	en.wikipedia.org /wiki/Financial_endowment (744 words)

	Endowment - Wikipedia, the free encyclopedia
		Endowment (Life insurance); payment of the face value of a life insurance policy, usually at age 98-120.
		Endowment mortgage; a mortgage to be repaid by an endowment policy.
		Endowment policy; a life assurance policy designed to build a capital sum at a pre-determined date.
	en.wikipedia.org /wiki/Endowment (158 words)

	Harvard Gazette: Harvard endowment reclaims some ground
		While returns on endowment investments rose 12.5 percent in the 2003 fiscal year, the endowment's overall value is also affected by new contributions each year, as well as the annual payout for University programs.
		The endowment beat benchmarks in eight of 11 asset classes, led by a 52.4 percent return in foreign bond investments and a 29.9 percent return in domestic bonds.
		The endowment is not a single fund, but more than 9,400 individual funds, many of them restricted to specific uses - such as support of a research center or the creation of a professorship in a specific subject.
	www.news.harvard.edu /gazette/2003/09.25/15-endow.html (679 words)

	Financial endowment - Voyager, the free encyclopedia (Site not responding. Last check: 2007-10-21)
		A financial endowment consists of funds or property donated to an institution or individual, with the stipulation that it be invested, and the principal remain intact.
		At universities, typically 5% of the endowment's assets are spent every year, and any excess earnings are reinvested to compensate for inflation and recessions in future years and to grow the endowment.
		Given a historical endowment performance of 10-11 percent, and a payout rate of 5 percent, around half of the endowment’s income is reinvested.
	www.voyager.in /Financial_endowment (757 words)

	Endowment mortgage shortfall selling endowment policy
		The average gain on an endowment sold rather than "cashed in" is usually between 5% and 15% over the surrender value.
		In very simplistic terms, a unit-linked endowment policy containing 100 units with a price of £1 per unit would be worth £100, less any early encashment penalties that are applied by the insurance company.
		Endowment policies are designed to be long term commitments and cashing one in early may mean you receive less than the premiums you have paid.
	www.endowmentpolicyfirst.com (1305 words)

	Selling Endowment Policy. Selling uk endowments? - how to sell endowments online on the internet.
		Your endowment policy will then be assessed, and if tradable, an offer will be notified back to you, usually within 48 hours, and the process of selling the endowment commences.
		A traded endowment policy, or "TEP", is a with-profits endowment policy that has been sold by the original policyholder to another investor before the end of the agreed term of the policy.
		Selling endowment policies must now be one of the options pointed out to you, if you contact the original endowment company with a view to surrendering the policy.
	www.sellingendowment.com (523 words)

	American Music Teacher: All about endowment funds
		This endowment fund was established by MTNA to honor Richard Chronister, who was both a leading expert and pioneer in the field of piano pedagogy.
		Endowment income will be used to fund Teacher Enrichment Grants for teachers from the state of Idaho and the MTNA Northwest Division.
		This endowment fund, which she established, is a symbol of her contribution and commitment to music and the music teaching profession.
	www.findarticles.com /p/articles/mi_m2493/is_5_52/ai_99984124 (1199 words)

	University Business - The Magazine for College and University Leaders: Coping with the Endowment Crisis (Site not responding. Last check: 2007-10-21)
		Endowment managers have put in some long days this year--hours spent investigating new investment opportunities to offset heavy losses resulting from overreliance on stock and bond markets during the past few years.
		Smaller endowments feel the losses more intensely because a, say, 5 percent loss to a smaller fund represents a larger percentage to the fund overall, and requires more to be spent out off the principal, or to be raised with new funds, to cover the loss.
		In addition, Commonfund (www.commonfund.org), the endowment consulting firm, reports that 12 percent of the 637 institutions that it polled had invaded the corpus of their endowments, leaving many under water.
	www.universitybusiness.com /page.cfm?p=357 (3341 words)

	Interest Only: Endowment
		Endowment mortgages do not any longer have any tax benefits, till recently it was the most common type of interest only mortgage, which also provides life assurance so that in the event of death the mortgage is paid off in full.
		The two major disadvantages of endowment mortgages are the fact that it is very likely that the endowment policy will not grow enough to produce a substantial profit over and above the amount of the loan, which therefore means it could become more expensive than a repayment mortgage.
		This consists of an interest only mortgage linked to an Endowment savings plan, if the endowment policy increases at a sufficient rate then it is expected that the policy will generate enough capital to pay off the loan at the end of the mortgage term, however this is not always the case.
	www.mortgages.co.uk /advice/interest-only-endowment.html (1020 words)

	CATHOLIC ENCYCLOPEDIA: Endowment
		An endowment is a property, fund, or revenue permanently appropriated for the support of any person, institution, or object, as a student, professorship, school, hospital.
		A considerable portion of the foundations thus established in England was squandered or confiscated during the Reformation of Henry VIII and Queen Elizabeth, while the remainder, by virtue of the Acts of Uniformity and Supremacy, was transferred to the Anglican Church, which still retains it.
		A catalogue or table of these obligations assumed by a church is to be posted conspicuously in the sacristy — a general one for the diocese is reserved in the chancery office — while among the parochial books is one in which the satisfaction of these obligations is noted.
	www.newadvent.org /cathen/05421b.htm (1080 words)

	Endowment.net \|\|UK RECOMMENDED\|\| For Free Advice On Your Endowment Policy or Endowment Mortgage
		Just contact us with your endowment policy details or complete our simple Quote Request Form and you can be confident that, if your endowment policy is potentially tradable that the details will be in front of the main market makers and traded endowment policy investors immediately.
		If you then make an endowment claim because your endowment mortgage was mis sold you can always come back to us to then sell your endowment policy when you are ready for more money with more of an idea of its actual worth.
		If you have now received endowment compensation through an endowment mis-selling claim you should now be considering to 'sell my endowment policy' and get the best price through an totally independent broker like ourselves.
	www.endowment.net (819 words)

	UM News & Information Services (Site not responding. Last check: 2007-10-21)
		A. Endowment funds were given to the University of Michigan to be invested to provide ongoing support.
		Endowment distributions are made at a 5 percent annual rate based on the 12-quarter average value of endowment shares, up to a maximum of 5.3 percent of the current value of endowment shares.
		Endowment distributions indirectly lower tuition by paying for programs that otherwise would be funded with tuition dollars.
	www.umich.edu /~newsinfo/BG/endwment.html (279 words)

	Medical University of Ohio, Toledo (Site not responding. Last check: 2007-10-21)
		Endowment funds are left in tact - only the income generated from investments is disbursed.
		The annual income generated from this endowment provides an award to be utilized in the area of research chosen by the donor and approved by the Medical University of Ohio.
		Annual income generated from this endowment is applied to the annual salary and teaching and research expense of an outstanding young faculty member.
	www.meduohio.edu /foundation/giving/endow.html (689 words)

	About 150 by 150
		Growth of the endowment can have a significant impact on Hamline’s national rankings in terms of “endowment per student.”; This is why increasing the endowment is a top priority in the Campaign.
		Endowments gifts are established as permanent funds, which provide annual income to benefit students, faculty, or an academic program.
		Because an endowment is a permanent fund, it is a wonderful way to establish an enduring legacy or memorial in the name of the donor, a loved one, or a favorite professor.
	www.hamline.edu /150/150by150/givingopps_endowment.html (188 words)

	San José Community Endowment - Privacy & Legal (Site not responding. Last check: 2007-10-21)
		If the Endowment changes its privacy policy, we will post those changes to this privacy statement, the homepage, or other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
		The Endowment is not a government entity or program and statements and activities by the Endowment are independent from and do not necessarily reflect the views of the San José city government or other community service providers.
		While the Endowment does not engage in political activity, it may from time to time serve to educate the public about the state of the City of San José and its finances, as well as other community service providers, as they relate to public services and quality of life in the San José community.
	www.sjcommunity.org /legal.html (1219 words)

	Endowment (Site not responding. Last check: 2007-10-21)
		Endowment funds are a way of life in the U.S. How many times during a year are you asked to help endow some favorite school, cause or charity?
		And the reason is, of course, a good Endowment Fund can enhance the work of the organization, insure its viability, and/or strengthen its position.
		Most endowments are long-range investments that allow long-term planning in a more measured and secure manner.
	www.christianvetmission.org /html/endowment.htm (445 words)

	BBC NEWS \| Business \| Q&A: Endowment mortgage shortfall
		Millions of endowment policies still in force are in danger of falling short of the sum required to pay off the policyholder's mortgage.
		Insurers are required to write to endowment policyholders every two years and inform them whether their investment is on track to meet the target sum.
		The letter tells you whether your endowment is on track to re-pay your mortgage, or whether it is heading for a shortfall.
	news.bbc.co.uk /1/hi/business/1887292.stm (1043 words)

	Endowment Claims - Mortgage Shortfall and Mis-Selling Compensation (Site not responding. Last check: 2007-10-21)
		Millions of people were sold endowment mortgages, which are now a potential mortgage time bomb waiting to go off.
		Endowment Claims offer a specialist endowment claims service to help you get the compensation you deserve.
		● Endowment Claims LLP is one of the few endowment claims companies to be a member of the Claims Standard Council (CSC).
	www.endowmentclaims.biz (310 words)

	UK Endowment Compensation Claims : Insurance Mortgage Shortfall
		We deal with endowment compensation claims on a no win no fee basis and if the complaint is unsuccessful we will not make any charge to you.
		Individuals who have lost out financially may be able to recover their losses by making miss sold endowment claims against the seller if they are able to prove that they have suffered financially as a direct result.
		The FSA has judged that misselling is caused by a confusing or inadequate level of communication by the company who sold the policy to the client.
	www.eatontech.co.uk (518 words)

	LDS Temple Endowment Homepage
		Apostle James E. Talmage explains, "The temple endowment, as administered in modern temples, comprises instruction relating to the significance and sequence of past dispensations, and the importance of the present as the greatest and grandest era in human history.
		During the endowment participants are encouraged to view Adam and Eve as representatives of the human race.
		Prior to receiving the endowment one must be baptized, ordained a member of the LDS Church, receive the Melchizedek Priesthood (if male), and the "Initiatory Ordinances" of the temple.
	www.lds-mormon.com /veilworker/endowment.shtml (1399 words)

	Endowment
		The Endowment Fund offers members and friends of River Road Church an opportunity to provide for the support of the church in a lasting manner.
		The River Road Church, Baptist Endowment is a permanent fund, and the trustees of the Endowment Fund have a special responsibility to maintain the purchasing power of endowment assets in perpetuity.
		Endowment assets are allocated to various types of investments, which may include stocks and bonds, both domestic and international.
	www.rrcb.org /serving/endowment.html (545 words)

	Endowment
		Endowment income is very important for YMCA program expansion and outreach.
		Only the earnings from endowment contributions help finance the important work of the YMCA, while providing a resource base that will enable YMCA leaders to plan more effectively for the future.
		of the YMCA of Lansing, a recognition society of endowment donors, was established in 1996.
	www.ymcaoflansing.org /endowment.html (141 words)

	Endowment Complaints? Mis-sold? Endowment Info UK (Site not responding. Last check: 2007-10-21)
		There are millions of endowment policy holders who are in the same situation and concerned that their endowment will not repay the mortgage when it matures.
		Large numbers of endowment plan owners have complained and successfully received compensation and you may too be entitled to financial redress.
		There are currently millions of endowment policy holders who are facing a shortfall on their endowments, but this doesn’t mean that the plan was mis-sold.
	www.endowment-info.co.uk (393 words)

	Gospel Link
		An endowment generally is a gift, but in a specialized sense it is a course of instruction, ordinances, and covenants given only in dedicated temples of The Church of Jesus Christ of Latter-day Saints.
		The endowment was necessary, he said, to organize the Church fully, that the Saints might be organized according to the laws of God, and, as the dedicatory prayer of the Kirtland Temple petitioned, that they would "be prepared to obtain every needful thing" (D&C 109:15).
		The temple endowment is seen as the unfolding or culmination of the covenants made at baptism.
	ldsfaq.byu.edu /emmain.asp?number=71 (733 words)

	ALA \| Mission, Role, and Purpose of the Endowment Fund
		It shall be the practice of the Trustees of the Endowment Fund to present a report on the status of the ALA Endowment Fund to the Council of the American Library Association at its annual conference and midwinter meetings.
		It shall be the practice of the Trustees of the Endowment Fund to exercise appropriate caution and judgement in the investment and the administration of the ALA Endowment Fund.
		The wise investment and management of all endowment funds shall be intended to generate substantial ongoing funds for the support of Association activities and to enhance the growth of the Fund principal.
	www.ala.org /ala/ourassociation/governanceb/treasurerspage/alafinancialteam/missionrole.htm (1237 words)

	Endowment Claims, Misselling & Compensation UK Mortgage Policy Organisation
		Millions of homeowners who have taken out an endowment policy have or will be informed by the life companies that their endowment policy is not going to meet the required amount.
		In the late 1980’s and throughout the 1990’s many people were advised to take out an endowment policy to cover their mortgage.
		An endowment as a repayment vehicle is a policy which contains life cover and is designed to not only pay off the mortgage but also provide a lump sum.
	www.endowmentpolicyhelp.co.uk (590 words)

	Endowment complaint? Claim compensation for your endowment complaint. No-win, no-fee... (Site not responding. Last check: 2007-10-21)
		Time barring is not always set in stone (not all life companies are enforcing this rule), so don't decide not to contact us just because you feel you are time barred.
		Were all the risks associated with your endowment policy fully discussed with you by the advisor at the time of sale?
		Does the endowment term stretch beyond your retirement age and was this discussed with you at the time of sale?
	www.uk-endowment-misselling.co.uk (540 words)

	Endowment Advice Limited - Endowment Claim Handlers for Endowment Compensation Claims
		Endowment Advice Limited was established to assist you to complain where your endowment was mis-sold and to do so at a reasonable cost, just 15% + VAT of the compensation awarded on a No Win No Fee basis.
		To see if you are eligible to make an endowment claim please complete our short questionnaire.
		Lloyds TSB plc to impose a time bar on endowment policyholders that were mis-sold their policies in order to prevent them from making a claim
	www.endowment-advice.co.uk (410 words)

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