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	Financial endowment - Biocrawler
		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.biocrawler.com /encyclopedia/Financial_endowment (741 words)

	Spartanburg SC \| GoUpstate.com \| Spartanburg Herald-Journal
		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.
		Given a historical endowment performance of 10â“11%, and a payout rate of 5%, around half of the endowment's income is reinvested.
	www.goupstate.com /apps/pbcs.dll/section?category=NEWS&template=wiki&text=financial_endowment (998 words)

	NationMaster - Encyclopedia: National Endowment for the Humanities
		The National Endowment for the Humanities (NEH) is an independent federal agency of the United States established by the National Foundation on the Arts and the Humanities Act of 1965 (Pub.L. 89-209) dedicated to supporting research, education, preservation, and public programs in the humanities.
		According to their website, they are "the largest funder of humanities programs in the United States." The endowment accomplishes this mission by providing grants for high-quality humanities projects in four funding areas: preserving and providing access to cultural resources, education, research, and public programs.
		The Endowment is directed by a chairman, who is appointed by the President and confirmed by the Senate, for a term of four years.
	www.nationmaster.com /encyclopedia/National-Endowment-for-the-Humanities (1104 words)

	RYERSON UNIVERSITY: Financial Services - Endowment Funds Policy
		The University's Endowment Fund was established to receive endowed contributions from donors for the support of academic priorities and University initiatives.
		Whenever the market performance of endowment fund investments does not meet target expectations, and the investment return is less than is required to fund the % income guarantee, the Stabilization Fund will provide the top-up(s) necessary to bring the trust related expendable account to an amount that represents the income allocation percentage they were guaranteed.
		All endowment funds are subject to the Stabilization Fund policy provisions currently in place, and as amended from time to time, unless otherwise exempted by the Finance Committee of the Board of Governors.
	www.ryerson.ca /~finserv/Policy-Endowment.htm (1049 words)

	HHMI Annual Report 2000: Financial - Endowment (Site not responding. Last check: )
		The Institute's endowment at the close of FY2000 was $13.4 billion.
		The Institute's endowment at August 31, 2000, was composed of $8 billion of U.S. and foreign equity, $2.4 billion of fixed income investments, and the remainder in a variety of private, real estate and absolute return investments.
		The Institute's endowment is managed under the direction of its vice president and chief investment officer, with approximately 34 percent managed internally and the remainder managed by outside organizations.
	www.hhmi.org /annual2000/finance4.html (167 words)

	Sell Endowments Selling Endowment Policies Sale Surrender Endowment Policy UK
		UK Endowment policies were a popular form of insurance and investment back in the 1980's and 1990's when interest rates were high and the government offered tax relief for buyers of endowment policies.
		To surrender endowments is to sell it back to the insurance or other endowment company that issued it.
		A traded endowment policy is often greatly undervalued and you can receive up to one third more than the policy's surrender value.
	www.endowmentexpress.co.uk (704 words)

	Endowment
		Endowment gifts are held in perpetuity and invested on a long-term basis in support of the school’s mission.
		A portion of the endowment income is transferred annually to the school in support of the year’s operating budget.
		Every year the endowment receives gifts of all amounts from donors who wish to help secure Canterbury’s financial future and, at the same time, endow a favorite program or honor the name or memory of a loved one.
	www.canterburyschool.org /giving_canterbury/endowment (238 words)

	Financial Review/Endowment and Similar Funds - University of California 2000 - 2001 Annual Financial Report
		The fund balance in the Endowment and Similar Funds group decreased from $5.0 billion at the end of 2000 to $4.66 billion in 2001, a decrease of $338.1 million.
		The extent of the realized gains from the sale of investments and the unrealized depreciation on investments incurred during the year was largely a result of the implementation of the new asset allocation strategy and the decline in the global equity markets during the year.
		The financial activities of the campus foundations are not included in the University's financial statements until such time as gifts are transferred from the campus foundations to the University.
	www.ucop.edu /ucophome/cao/reports/2001/review3.html (409 words)

	University Of Illinois Foundation - Financial Highlights - Endowment Market Values
		Endowment provides a financial base for the support of programs that keep the University at a level of excellence that continues to rank it among the best in the nation.
		The other endowments are invested in securities and real estate received as a gift which are held for specified periods of time as required by the terms of a bequest or other gift provision.
		Expenditure is limited to a percentage of the seven-year moving-average of the market value: 1.10 percent of this is for the administrative fee; 4.75 percent is allocated for the educational purposes specified in the individual fund agreement between the Foundation and the donor.
	www.uif.uillinois.edu /pages/ContentPage.aspx?cid=040102 (274 words)

	Oakwood School
		This endowment was established by the late Betina Bancroft in memory of her son.
		This endowment was established by Sam and Anita Kremen to endow a chair in the Dance Department.
		This endowment was established in 1980 in memory of Gregg Wasserman.
	www.oakwoodschool.org /support/endowment.html (202 words)

	UK Endowment Claim : Financial Ombudsman Service Complaint
		An endowment claim arises as a result of a policy of insurance failing to meet expectations upon maturity and thereby returning insufficient funds to pay off a loan used to purchase domestic property.
		This endowment claim problem is a product of the 1980’s and 1990’s at which time these policies attracted favourable tax benefits and, as a form of stock market investment, saw substantial improvements over a number of years on the back of a rising market.
		The financial investment market eventually slowed, stagnated and eventually reversed leaving many of those who had taken out a policy in the 1990’s at particular risk of a shortfall leaving insufficient funds to pay off their mortgage upon maturity.
	www.tnvols.com /endowments.htm (346 words)

	HotBot Web Search for endowment
		Endowment funds are perpetual, and the monies received are invested and managed by the UNC Asheville Foundation.
		endowment - definition of endowment - A permanent fund bestowed upon an individual or institution, such as a university, museum, hospital,...
		A financial endowment is a transfer of money or property donated to an institution, with the stipulation that it be invested, and the principal...
	www.hotbot.com /default.asp?query=endowment&ps=&loc=searchbox&tab=web&provKey=Ask+Jeeves&prov=Ask+Jeeves (253 words)

	FAQs mortgage endowment complaints
		Endowments are linked to long-term investments – which can go down as well as up.
		Financial firms have to handle mortgage endowment complaints according to guidelines set out by the regulator, the FSA.
		In some cases, the financial firm you are complaining about may already have asked you to complete a form that might look similar to our own mortgage endowment questionnaire.
	www.financial-ombudsman.org.uk /faq/mortgage.htm (696 words)

	Colby College \| Keeping Colby Accessible
		Financial aid provides equal opportunity and ensures that young women and men with talent and a willingness to work hard can reap the benefits of a Colby education regardless of their ability to pay the comprehensive fee.
		To ensure the availability of financial aid for international students, Colby will dedicate a significant portion of the funds raised in support of financial aid for students from abroad.
		To ensure the availability of financial aid for all admitted Maine students in perpetuity, Colby will dedicate a substantial portion of the funds raised in support of financial aid to assist students from Maine.
	www.colby.edu /campaign/endowment/scholarships.cfm (497 words)

	BB&N - Giving to BB&N - Endowment & Capital / Building Projects
		The BBandN endowment is composed of nearly 125 named and general endowment funds, the income from which supports approximately 6% of BBandN's operating budget each year.
		Financial aid endowment funds have been established over the years by alumni/ae, parents, and other friends of the School who are committed to making BBandN education available to talented students regardless of their financial means.
		Financial support for this project is strongly encouraged to enable construction to continue on schedule.
	www.bbns.org /gi_endowment.htm (1182 words)

	Endowment - Wikipedia, the free encyclopedia
		Financial endowment; relating to funds or property donated to institutions or individuals.
		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.
	en.wikipedia.org /wiki/Endowment (145 words)

	Financial Services Authority - Endowment Justice
		Financial products that have not only proved to be financially disadvantageous but also significantly different (in terms of risk) to the product described to them when the policies were sold.
		The FSA says that "Some firms are still not handling [endowment] complaints properly" and have warned providers not to use the Financial Ombudsman Service (FOS) as an alternative to handling complaints themselves.
		The Regulator of the Financial Services Industry is the FSA whose aim is to promote improvements in the range and quality of services provided by the Industry.
	www.endowmentjustice.com /about-fsa.aspx (720 words)

	Sell a Guardian Financial Endowment endowment policy
		A Guardian Financial endowment policy is on the list of endowment policy names bought by a second hand endowment policy buyer, according to one of the leading endowment policy market makers.
		Although Guardian Financial no longer sell endowment polices in their own right, Many Guardian Financial endowment polices are still in existence in the traded endowment market place today.
		The regular monthly premiums, that a Guardian Financial endowment policy holder paid each month, together with other policyholders' money, was invested in their with-profits fund.
	www.sellendowments.co.uk /Guardian_Financial.html (303 words)

	The Spence School \| Arlene Joy Gibson Financial Aid Endowment Fund
		The Board of Trustees established The Arlene Joy Gibson Financial Aid Endowment Fund in 2006 in honor of Arlene Gibson and her accomplishments during her eight years as Head of School.
		Thanks to her leadership, Spence continues to build on a long tradition of making financial aid available to worthy students and their families.
		We invite you to join the 220 friends and families who have contributed to the Fund—every gift helps strengthen the school community now and in years to come, providing the resources to prepare our students for life and leadership in school and beyond.
	www.spenceschool.org /pages/sitepage.cfm?page=64535 (179 words)

	Financial Affairs - Endowment Accounts
		An endowment may be established at any level above the minimum endowment level and may support any type of program account except for a benefit account.
		Endowments are classified as either Student Assistance Endowments or General Endowments.
		Student Assistance Endowments are endowment accounts that provide scholarships, grants, loans, or honorary awards for students as well as academic or honorary awards for faculty.
	www.siue.edu /give/financial/endowaccounts.shtml (229 words)

	HHMI Annual Report 2001: Financial - Endowment (Site not responding. Last check: )
		The Institute's endowment at the close of FY2001 was $11.5 billion.
		The composition of the Institute's endowment at August 31, 2001, is reflected in the graph to the right.
		Approximately 30 percent of the endowment is managed internally, with the remainder managed by external investment managers.
	www.hhmi.org /annual2001/finance4.html (152 words)

	Hamilton College - Excelsior: The Endowment - Overview
		Hamilton's trustees view these robust returns with a properly conservative eye; they limit endowment spending to only five percent of a 12-quarter moving average of the fund's market value, with the goal of maintaining the buying power of the endowment in perpetuity.
		In too many cases, we are matched against peer schools with larger endowments for the favor of these students, and when we offer loans and they offer outright aid, we don't often prevail.
		Through financial aid, we introduce some students to a life of aspirational possibilities their families have never known.
	www.hamilton.edu /excelsior/endowment (2796 words)

	Dr. William Anthes
		And there were some financial planners in Kansas City, who came to my campus and wanted to take courses, bring the CFP program onto our campus in the evening, and I gave out the classrooms after 4:00, and we were always looking for different relationships, so we welcomed them on to campus.
		At this point in time, that financial awareness campaign is broken down into five components: a general adult component, a woman's component, a senior’s component, a youth and a Hispanic-speaking component.
		We are the largest provider of high school-level financial education, but we're only scratching the surface in terms of all of the high school-aged kids is one thing; but your point, I think, is particularly relevant.
	www.financial-planning.com /chat/anthes.html (5346 words)

	The Duke Endowment Gives Record $75 Million to Duke University for Student Financial Aid
		The $75 million commitment to be paid over three years was made by Russell M. Robinson, chairman of The Duke Endowment, at a ceremony in Duke’s Perkins Library attended by university students, faculty and staff, as well as by the endowment’s trustees who were in Durham for an annual meeting.
		An essential part of that dream is providing financial aid so that the student body can be the best available within a wide range of backgrounds and talents, without any limitation of financial constraints,” Robinson said.
		The Duke Endowment was established as a charitable trust with a $40 million gift by industrialist James Buchanan Duke in 1924.
	www.dukenews.duke.edu /2005/10/tdefinaid.html (929 words)

	Duke University to Raise $300 Million for Financial Aid Endowment
		The Financial Aid Initiative seeks $245 million for undergraduate aid, including $15 million for athletic scholarships, and $55 million to support graduate and professional school students.
		In his October 2004 inaugural address, Brodhead identified increasing the university’s endowment for financial aid as a core university goal and one of his highest priorities.
		The success of the Financial Aid Initiative in raising permanent support for financial aid is crucial for this university’s future health,” Brodhead said.
	www.dukenews.duke.edu /2005/12/financialaid.html (1090 words)

	Financial Planning: A Guide for Disaster Preparedness - Acknowledgments
		The National Endowment for Financial Education, NEFE, and the NEFE logo are federally registered service marks of the National Endowment for Financial Education®.
		The AICPA Foundation ("Foundation") was established in 1922 as a nonprofit foundation to advance the science of accountancy and accounting education as well as to encourage diversity within the CPA profession.
		The American Red Cross is a nationwide network of local community supporters — volunteers, blood donors, and financial donors — organized into approximately 900 chapters, Blood Services regions, and field units dedicated to saving lives and helping people prevent, prepare for, and respond to emergencies.
	www.redcross.org /services/disaster/beprepared/FinRecovery/FinPlan/acknowledgments.html (401 words)

	Endowment Mortgages - Misselling - Mis-selling - FSA - Lloyds TSB - Abbey Life - Standard Life - Ombudsman - Treasury - ... (Site not responding. Last check: )
		Endowments Prudential is refusing to pay compensation on endowments through complaint handlers, a third of payments are going in commission to third parties, Pru says it will write to principals telling them to complain direct 27.04.05 This Is Money, Financial Services
		Endowments FSA is to campaign to get public to deal with endowment mortgage problems, fear people putting their heads in the sand 08.10.03 BBC, FSA Press Release
		Endowments FSA head John Tiner says looming tribunal case between authority and Legal and General is not definitive, loss will not undermine authority, concerns £1.1m fine for misselling endowment mortgages 07.09.04 Times, Financial Services
	www.legalday.co.uk /current/endowment.htm (924 words)

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