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INTRODUCTION TO COMMUNITY POLL

The Community Poll is a proprietary application developed by HeartMath that enables you to assess your overall emotional state on a regular basis and see how you compare to our broader community. This poll asks each user to self- rate on three dimensions: Energy Level, Emotional Climate, and Stress Level. It is highly recommended that you click on "View Details" so you can see the full depth of this application, which includes a mapping system, color graphs and customization options.

We hope that users will look at this application as a means to regularly do an internal check of their emotional state, and, even more importantly, learn how to shift their emotional state into the "Green" or high performance zone. For those who want a more detailed assessment we recommend that you take our Stress and Well Being survey, which includes a more comprehensive set of questions and scoring system along with recommendations on how to improve your scores.

Your data is anonymous and under no circumstances will this data be shared in reference to a specific identity. The Institute of HeartMath--our non-profit research organization--will use the data for scientific purposes only. Thank you for your contribution to this project and we hope you find it rewarding and useful.

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SERVING EDUCATION & RESEARCHING THE HEART

WELCOME GUEST

PERSONAL TRACKERS

COMMUNITY TRACKER

Physical Vitality
Overall Well-Being
Emotional Vitality
Social Connectedness
Spiritual Connectedness

STRESS & WELL BEING SURVEY

Take the free survey and see your stress and well being scores instantly

Charitable Gift Annuities

Immediate Payment and Deferred Payment

A Charitable Gift Annuity is a simple contract providing for our payment to you (and an optional second beneficiary) of a fixed amount for life in return for your contribution. The gift annuity offers you the assurance of payments that will not fluctuate, and that are secured by all the assets of the Institute of HeartMath. And the minimum gift to establish a charitable gift annuity is low -- a contribution of $ or more will enable you to share in the benefits of this program.

A charitable gift annuity offers you three distinct tax benefits:

1	You will receive an income tax charitable deduction for your gift annuity, based on the full value of the assets you contribute minus the present value of the life-income interest you retain (see the box below for more details).
2	If you fund your charitable gift annuity with appreciated securities, no upfront capital gains tax* is payable.* Only a portion of your capital gain will be reportable, and the tax will be spread over your annuity payments.
3	Part of each annuity payment will be considered the tax-free* return of your principal*. This effectively increases the cash flow from your gift annuity, and is not available with other types of life-income gifts.

(The IRS provides that the capital gain and tax-free-payment benefits are in effect during your life expectancy - if you live beyond your life expectancy, the entire annuity payment will be taxed as ordinary income.)

Your gift annuity can start paying you once you make your contribution (an immediate-payment gift annuity), or payments can commence at a later date selected by you (a deferred gift annuity). Deferral allows us to offer you a higher annuity rate and gives you a larger charitable deduction.

Many younger donors create a series of deferred gift annuities over multiple years, jointly timed to begin making payments when they retire. To fund their gifts, they use assets they've already designated for retirement savings. Their deferred gift annuities give them an income tax deduction when they most need it, and an additional source of cash during their retirement years.

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To learn more about charitable gift annuities, Email us, complete the Information Request form, or call us at 831-338-8717 so that we can assist you.

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