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Smart tips to help maximize your charitable giving — and your tax benefits

As the end of the year approaches, you’ve probably noticed your inbox filling up with requests from charities asking for year-end donations. Giving is important, especially now. Like so many people, you may find yourself stressed as you scramble to locate receipts and track contributions to document your tax deductions for 2023. You may also discover that organizing your giving differently could have resulted in greater tax benefits.

Here are a few tips to help you maximize your tax deductions, be more intentional about your giving, and reduce stress not just in December, but throughout the year.

Organizing your giving with a charitable tax vehicle that offers an immediate tax deduction. 

If you support multiple charities, consider using a vehicle to streamline your philanthropy. One option is a private foundation, which enables you to put aside money in advance, take a tax deduction up front, and plan your grant-making over time. But the drawback is that private foundations are costly to set up, and you will still need to manage your record-keeping and tax filings. A simpler option is a donor advised fund, which organizes your charitable giving, eliminates record-keeping, and doesn’t require filing a 990 form. That’s why donor advised funds (DAFs) are the fastest-growing charitable vehicle.

Donor advised funds help get money to your charities swiftly and securely. 

Donor advised funds (DAFs) are a flexible and tax-efficient way to give, and most DAFs can be opened with a minimum contribution of $5,000. When you contribute to a DAF you qualify for an immediate deduction, regardless of when and how many charities you support. The DAF provides the only receipt you’ll need. Most DAF accounts are managed on a secure portal. At Jewish Communal Fund, you can make grants and see your giving and contribution history when you log in. You can recommend grants to IRS-approved charities in every sector.

Donate cash or appreciated securities to maximize your tax savings and earn tax-free income.

Cash contributions to a donor advised fund or other public charity are generally eligible for an income tax deduction of up to 60% of your adjusted gross income (AGI). If you have appreciated securities — held for more than 12 months — you can electronically transfer shares to a donor advised fund and claim a fair market value deduction of up to 30% of adjusted gross income. Even better, you will not be subject to capital gains tax on the appreciated portion of the contribution. After the DAF sponsor (the organization where you have your account) liquidates the stock, the proceeds are credited to your fund, enabling you to make grants to multiple charities. At Jewish Communal Fund, you may choose from a robust selection of investments, and the tax-free earnings will be rebalanced into your Jewish Communal Fund account.

Plan ahead and respond swiftly when there is a crisis. 

Putting money aside when you have additional income such as a bonus, appreciated securities, or an inheritance allows you to be more tax-efficient and intentional with your giving. So when a crisis occurs, like the terrible Oct. 7 attack on Israel or a devastating natural disaster, you will be ready to help with a donation with the click of a button. Grants from Jewish Communal Fund are sent out within two to three days.

Use a donor advised fund to group contributions for several years of giving

You can make a contribution to a donor advised fund by “bunching” what you would have contributed to charities over the next two to three years, enabling you to reach the threshold for itemizing your tax return and qualifying for a maximum tax deduction. Many DAFs do not have an annual minimum distribution requirement, so you can set the timetable for making grants. 

Terminate a private foundation using a DAF.

If you already have a private foundation, you can transfer assets to a DAF to eliminate the expense and administrative burden. Unlike the private foundation, your confidentiality is protected because DAFs report in the aggregate rather than disclosing information on individual fundholders. 

Engage the next generation with a community of Jewish philanthropists.

At Jewish Communal Fund, parents or other family members may open funds for their adult children between the ages of 18-30 with a contribution of only $1,800. This is an effective way to help the next generation begin their own philanthropic journey as part of a network of Jewish givers.

Why choose Jewish Communal Fund?

JCF is the largest and most experienced Jewishly affiliated donor advised fund in the nation, with over $2.8 billion in charitable assets for 4,700 funds. Each year, JCF’s board of trustees makes a $2 million gift from its revenues to the annual campaign of UJA-Federation of New York. JCF’s endowment, the Special Gifts Fund, makes annual grants on behalf of fundholders to support organizations that promote the welfare and security of the Jewish community at home and abroad. After the outbreak of the war in Israel, JCF’s trustees awarded $500,000 from the Special Gifts Fund for the Israel Emergency Fund of UJA-Federation of New York. 

Additionally, JCF’s endowment has supported kosher food pantries, JCCs, Jewish summer camps, and services for the elderly and Holocaust survivors. Unlike commercial DAFs, JCF offers Jewish values investments such as Israel Bonds and an Israeli exchange-traded fund (ETF). JCF’s recoverable grant program partners with the leading Jewish loan societies – Hebrew Free Loan Society in the U.S. and Ogen in Israel. Just by using JCF to help streamline your giving, you will stand with a proud network of Jewish philanthropists supporting the Jewish community’s important communal organizations. 

*This is not accounting advice, so consult with your accountant regarding your own personal situation.

Ellen Smith-Israelson is the CMO and vice president of philanthropic services at Jewish Communal Fund. Her career in philanthropy spans 36 years working in the arts, higher education and Jewish organizations. For help deciding whether a donor advised fund is right for you, visit JCFNY.org or contact the JCF team to request more information or schedule a call.


The post Smart tips to help maximize your charitable giving — and your tax benefits appeared first on Jewish Telegraphic Agency.

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Jewish Leaders in UK, Canada, Australia Urge Governments to Reconsider Palestinian State Recognition

Women hold up flags during a a pro-Palestinian rally in Hyde Park, Sydney, Australia, Oct. 15, 2023. Photo: REUTERS/Lewis Jackson

Jewish umbrella organizations in the United Kingdom, Canada, and Australia have jointly expressed “grave concerns” over their governments’ plans to recognize a Palestinian state at the United Nations General Assembly next week.

In a joint statement, the Executive Council of Australian Jewry, the Board of Deputies of British Jews, and the Canadian Center for Israel and Jewish Affairs urged their governments to reconsider their intention to recognize a “State of Palestine.”

This month, several Western countries — including France — are expected to recognize a Palestinian state at the UN General Assembly, marking their latest effort to increase international pressure on Israel over the war in Gaza.

However, Jewish communities in these countries have strongly opposed the move, urging their governments to concentrate diplomatic efforts on securing the release of all remaining Israeli hostages held by Hamas and dismantling the Palestinian terrorist group’s military and political power.

They also emphasized the need to ensure humanitarian aid reaches civilians in Gaza without being diverted for terrorist operations and that all parties comply with international law.

“We are gravely concerned that our governments’ announced intentions to recognize a Palestinian state at the UN this month are seen by Hamas as a reward for its violence and rejectionism towards Israel, and these announcements have therefore lessened rather than maximized pressure for the hostages’ release and for Hamas to disarm,” the joint statement read.

“Extremists have answered [Hamas’s] call for escalations in global violence by carrying out brutal assaults on Jews — citizens of each of our countries,”” it continued. “For the sake of a better future for Israelis, Palestinians, and the wider Middle East, it is an imperative to avoid serving this agenda.”

Supporters of the recognition argue that this move would actually undermine Hamas’s control, noting that the terrorist group has never supported a two-state solution to resolve the Israeli-Palestinian conflict and would likely oppose a Palestinian state since it would have no governing role.

However, Hamas has praised such plans to recognize a Palestinian state as “the fruits of Oct. 7,” citing the Hamas-led invasion of and massacre across southern Israel on Oct. 7, 2023, as the reason for increasing Western support.

“The fruits of Oct. 7 are what caused the entire world to open its eyes to the Palestinian issue,” senior Hamas official Ghazi Hamad said in a recent interview with Al Jazeera.

Israeli officials and opponents of such recognition argue that Hamad’s remarks show these countries are, essentially, rewarding acts of terrorism.

US President Donald Trump has strongly opposed the move, warning that it would hinder Gaza ceasefire negotiations and empower Hamas instead of advancing peace.

During a bilateral meeting on Thursday amid Trump’s state visit to the UK, he was asked about Britain’s plans to recognize a Palestinian state.

“I have a disagreement with the prime minister on that score, one of our few disagreements, actually,” Trump said, referring to British Prime Minister Keir Starmer.

For his part, Starmer said he and Trump were aligned on the shared goal of achieving peace in the region.

“We absolutely agree on the need for peace and a road map, because the situation in Gaza is intolerable,” the British leader said.

In their joint statement, Jewish communities in the UK, Canada, and Australia argued that their governments’ plans to recognize a Palestinian state without making Hamas’s disarmament and the release of hostages a precondition would set back, rather than advance, prospects for a genuine two-state peace.

“Our governments are in effect saying that the fulfilment of these requirements post-recognition will be taken on trust and left for some unspecified time in the future,” the statement read. “This is a posture that lacks credibility, borders on recklessness, and sets up Palestinian statehood for failure from the outset.”

“Let it never be forgotten that Hamas and other terrorist groups in Gaza initiated this war [and] they remain openly committed to the genocidal goal of destroying Israel as a state and expelling or eradicating its Jewish population,” it continued.

Western powers have been negotiating with the Palestinian Authority (PA) on conditions for Gaza governance after Hamas is removed from power, while the PA continues to pledge reforms — a strategy experts say is unlikely to succeed given its lack of credibility and ongoing support for terrorism against Israel.

Jewish leaders have argued that these governments appear to be accepting the PA’s promises of reform at face value, rather than waiting to see if its behavior truly changes.

The PA, which has long been riddled with accusations of corruption, has maintained for years a so-called “pay-for-slay” program, which rewards terrorists and their families for carrying out attacks against Israelis.

Under the policy, the Palestinian Authority Martyr’s Fund makes official payments to Palestinian prisoners held in Israeli jails, the families of “martyrs”” killed in attacks on Israelis, and injured Palestinian terrorists. Reports estimate that approximately 8 percent of the PA’s budget is allocated to paying stipends to convicted terrorists and their families.

PA President Mahmoud Abbas had announced plans to reform this system earlier this year, but the PA has continued to issue payments.

The PA has also avoided holding elections for nearly 20 years, largely due to Abbas’s limited support among Palestinians.

According to a poll by the Palestinian Center for Policy and Survey Research (PCPSR), if an agreement is reached to end the war in Gaza, only 40 percent of Palestinians “support the return of the PA to managing the affairs of the Gaza Strip,” while 56 percent oppose it.

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‘Antisemitism Is Alive and Well’: Swastika Graffiti at Dartmouth College Shakes Jewish Community

Swastika graffitied outside of Jewish student’s dormitory at Dartmouth College. Photo: Screenshot/X.

An unknown person or group graffitied a swastika, the symbol of the Nazi Party, outside the dormitory of a Jewish student at Dartmouth College — at least the second such incident at an elite US college during the early weeks of fall semester.

“This act of bigotry and targeted harassment at a person’s home will not be tolerated on our campus,” Dartmouth president Sian Beilock said in a statement on Wednesday, noting that both the local police force and the college’s own security department are investigating the incident. “Antisemitism has no place at Dartmouth. Acts of bigotry — and all forms of hate — are deeply hurtful and stand in direct opposition to what each of us is working so hard to create at Dartmouth. This is not who we are.”

The graffitiing of a swastika as a method of intimidation and expression of hate on the campus came as a shock to Dartmouth’s Jewish community and stands out for being perpetrated only days before Jews across the US and the world observe Rosh Hashanah, the Jewish New Year.

“With Jewish high holidays around the corner, our community feels the impact of this crime even more profoundly,” Ruby Benjamin, a Jewish Dartmouth student and president of the campus Chabad, told The Dartmouth, the college’s official student newspaper. “In a time that should be marked with joy, we are forced to look hatred in the eye. While we are disgusted by yesterday’s events, we are not afraid. Today, as always, we stand together as a strong community.”

Another Jewish student and Hillel International affiliate, Jacob Markman told the paper, “This just shows that antisemitism is alive and well, and that it is something we need to take seriously and address.”

The incident came about a week after an unknown person graffitied antisemitic messages inside the Weinstein residence hall at New York University.

Dartmouth College, located in Hanover, New Hampshire, has seen this kind of incident before.

In April 2023, someone carved a swastika into dirt on The Green of Dartmouth College, a a five- acre, grassy common space at the center of the school’s campus. Three years earlier, in 2020, a former student, Carlos Wilcox, vandalized a public menorah on campus by shooting it with a pellet gun during the 2020 Hanukkah holiday. The 20-year-old Bronx, New York native also shot the windows of several college buildings, causing $1,500 in damage in total. Wilcox, who managed to dodge a hate crime charge and was charged with felony criminal mischief, was expelled from the college and banned from campus.

In April 2022, according to The Dartmouth, he reached an agreement with the prosecutors of Grafton County, where Dartmouth is located, under which the charges against him were dropped in exchange for his paying the college $2,ooo in damages, completing 100 hours of community service, and attending substance abuse counseling. Wilcox was also ordered to meet with Dartmouth Chabad Rabbi Moshe Leib Gray and other members of the campus community.

Throughout the process, he maintained his innocence, claiming that another student, Zachary Wang, shot the menorah and that he only purchased the pellet gun and witnessed the incident.

Dartmouth has also been the site of extreme anti-Zionist activity.

In May, a pro-Hamas group which calls itself the “New Deal Coalition” (NDC) commandeered the anteroom of the Parkhurst Hall administrative building but limited the demonstration to business hours, as its members went home when it was shuttered at 6 pm. Before leaving the building, however, the group contributed to injuries sustained by a member of Beilock’s staff and an officer of the school’s Department of Safety and Security officer, according to The Dartmouth.

During the unauthorized demonstration, the agitators shouted “free, free Palestine,” words shouted only recently by another anti-Israel activist who allegedly murdered two Israeli diplomats outside the Capital Jewish Museum in Washington DC.

The following day, the group at Dartmouth defended the behavior, arguing that it is a legitimate response to the college’s rejection of a proposal — inspired by the boycott, divestment, and sanctions (BDS) movement — to divest from armaments and aerospace manufacturers which sell to Israel and its recent announcement of a new think tank, the Davidson Institute for Global Security, which it claims is linked to the Jewish state.

“We took this escalated action — one deployed several times in Dartmouth’s history to protest against apartheid — because Dartmouth funded, US-backed Israel has been escalating its genocidal assault on Palestine,” the group wrote. “In an effort to ‘dialogue,’ a group of students, staff, and faculty, and alumni spent months drafting extensively researched 55-page divestment proposal … How did the college respond? They rejected divestment on every single criteria and, the day after, announced that they are reinvesting in colonial genocide with the launch of the Davidson Institute for Global Security.”

The statement concluded with an ambiguous threat.

“So long as you fund actively imperialistic violence, we will continue to hold you accountable,” it said. “There is only one solution! Intifada! Revolution!”

Amid these disturbances, the Dartmouth administration has declined to legitimate the claims of anti-Zionists who demand a boycott of Israel.

A week before the demonstration, Dartmouth College’s Advisory Committee on Investor Responsibility (ACIR) unanimously rejected a proposal imploring the school to adopt the BDS movement, which seeks to isolate Israel from the international community as a step toward its eventual elimination.

“By a vote of nine to zero, [ACIR] at Dartmouth College finds that the divestment proposal submitted by Dartmouth Divest for Palestine and dated Feb. 18, 2025, does not meet criteria, laid out in the Dartmouth Board of Trustees’ Statement on Investment and Social Responsibility and in ACIR’s charge, that must be satisfied for the proposal to undergo further review,” the committee said in a report explaining its decision. “ACIR recommends not to advance the proposal.”

A copy of the document reviewed by The Algemeiner shows that the committee evaluated the BDS proposal, submitted by the Dartmouth Divest for Palestine (DDP) group, based on five criteria regarding the college’s divestment history, capacity to address controversial issues through discourse and learning, and campus unity. It concluded that DDP “partially” met one of them by demonstrating that Dartmouth has divested from a country or industry in the past to establish its moral credibility on pressing cultural and geopolitical issues but noted that its analysis of the Israeli-Palestinian conflict lacks nuance, betraying the group’s “lack of engagement with counter arguments.”

ACIR added that DDP also does not account for the sheer divisiveness of BDS and its potential to “degrade” rather than facilitate “additional dialogue on campus.”

Follow Dion J. Pierre @DionJPierre.

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Michigan Mayor Says Resident ‘Not Welcome’ in City After Objecting to Street Sign Named After Terrorist Supporter

Dearborn Mayor Abdullah Hammoud speaks at a press conference in Dearborn, Michigan.

Dearborn Mayor Abdullah Hammoud speaks at a press conference in Dearborn, Michigan. Photo: Screenshot

A City Council meeting in Dearborn, Michigan erupted into controversy last week after Mayor Abdullah Hammoud, a Democrat, told a local resident he was “not welcome” when the man objected to renaming a street sign after an Arab-American journalist who has praised internationally designated terrorist groups such as Hamas and Hezbollah.

The honorary sign in question recognizes Osama Siblani, founder of The Arab American News, a bilingual weekly that has served Dearborn’s Arab-American community for more than four decades. Supporters praise Siblani for amplifying Arab and Muslim voices in US media. However, critics argue that his past remarks regarding terrorist groups make the recognition inappropriate.

At last week’s meeting, Edward “Ted” Barham, a Christian resident of Dearborn — a heavily Muslim city known for being a hub of anti-Israel sentiment — objected to the sign and accused Siblani of backing Hamas and Hezbollah, both of which are designated as terrorist organizations by the US government.

“I feel like having that sign up there is almost like naming a street Hezbollah Street or Hamas Street,” Barham said.

“Hezbollah bombed the embassy in Beirut, including many Americans. I just feel it’s quite inappropriate,” Barham continued, likely referring to Hezbollah’s 1983 bombing of the US Marine barracks at the Beirut International Airport, killing 241 American service members and dozens of French soldiers.

“He talks about how the blood of the martyrs irrigates the land of Palestine,” Barham added.

The resident explained that, as a Christian, he wanted to encourage peace and closed by quoting Jesus: “Blessed are the peacemakers.”

Hammoud intervened during Barham’s remarks, accusing him of spreading bigotry against Muslims in past online videos.

“Although you live here, I want you to know that as mayor, you are not welcome here,” Hammoud said. “The day you move out of this city will be the day that I launch a parade celebrating the fact that you moved out.”

The mayor called Barham “a bigot, and you are racist, and you’re an Islamophobe,” before telling his constituent to figure out how to live with the sign.

“The best suggestion I have for you is to not drive on Warren Avenue or to close your eyes while you’re doing it. His name is up there, and I spoke at a ceremony celebrating it because he’s done a lot for this community,” Hammoud said.

Hammoud has established himself as an especially outspoken critic of Israel who has repeatedly condemned Israel’s military operations against Hamas, accusing the Jewish state of committing a “genocide” in Gaza and an “ethnic cleansing” in the West Bank. Following Hamas’s Oct. 7, 2023, invasion of and massacre across southern Israel, a brutal onslaught that started the current Gaza war, Hammoud condemned the Jewish state as a “racist apartheid system that criminalizes Palestinian existence.”

The mayor’s comments, captured on video, have since sparked debate. Critics say they reflect intolerance toward dissenting views, while supporters argue Hammoud was standing up against anti-Muslim rhetoric.

The street sign in question, located on Warren Avenue, was approved earlier this month by the Wayne County Commission, not the Dearborn City Council. County officials, including Council President Michael Sareini, attended an unveiling ceremony where Hammoud praised Siblani as a voice of the Arab-American community for more than 40 years.

During a 2022 “Nakba Day” rally, Silbani urged Muslim Americans to continue to “fight” for the Palestinian cause, encouraging some to even take up arms against Israel. “Nakba” is the Arabic term for “catastrophe” used by Palestinians and anti-Israel activists to refer to the establishment of the modern state of Israel in 1948.

“Believe me, everyone should fight within his means. They will fight with stones, others will fight with guns, others will fight with planes, drones, and rockets, others will fight with their voices, and others will fight with their hands and say, ‘Free, free Palestine!’” Siblani said in 2022.

Siblani has defended his comments, telling the Daily Mail that his words were a call for justice, not violence. “‘People have the right to fight occupation and oppression by all necessary means and it is justified and accepted under international law. I said here in America we fight with our words of support for free Palestine,” he said, adding that thousands of residents have praised the street sign as recognition of his decades of community work.

“I stand firm on my opinion of people’s right to fight oppression and occupation by all means as they seek their freedom and sovereignty including the Palestinian people,” Silbani continued.

Siblani has also defended Hamas, the terrorist group which slaughtered roughly 1,200 people and abducted 251 hostages from Israel on Oct. 7, 2023, as “freedom fighters.”

At a Ford Community and Performing Arts Center rally in 2023, Siblani defended Hamas as “not a terrorist organization.”

“The terrorist is Benjamin Netanyahu and his government,” he said during the rally, referring to Israel’s prime minister.

According to the Middle East Media Research Institute (MEMRI), Siblani also told a crowd chanting “death to Israel” at a September 2024 rally in Dearborn that Hezbollah will “take care of the job” by destroying the Jewish state. He later threatened to send Israeli Jews “back to Poland.”

Dearborn, home to one of the largest Muslim and Arab American populations in the US, has long been a focal point for debates over identity, politics, and Middle East issues. In the two years following the Hamas-led massacres in Israel, Dearborn has transformed into a tinderbox of protests and demonstrations signaling opposition to the Jewish state.

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