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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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Lebanon Claims It Is Replacing Hezbollah in the South

Lebanese Prime Minister-designate Nawaf Salam speaks at the presidential palace on the day he meets with Lebanese President Joseph Aoun, in Baabda, Lebanon, Jan. 14, 2025. Photo: REUTERS/Mohamed Azakir

JNS.orgLebanon’s leadership declared in recent days that the Lebanese Army has begun replacing Hezbollah forces in the country’s southern region.

In an April 15 interview with The New Arab, Lebanese President Joseph Aoun announced that 2025 would be the year of the Lebanese state’s monopoly on arms.

Aoun pledged that only the state would have weapons, referring to the Lebanese Armed Forces (LAF), and stressed this goal would be achieved through direct dialogue with Hezbollah, while explicitly ruling out steps that could ignite conflict with Hezbollah.

“I told the Americans that we want to remove Hezbollah’s weapons, but we will not ignite a civil war in Lebanon,” Aoun said, referencing a meeting with US Deputy Envoy Morgan Ortagus.

Aoun added that Hezbollah members could potentially integrate individually into the LAF but rejected replicating the Iraqi model where Shi’ite, Iranian-backed paramilitary groups formed independent units within the military. He asserted the LAF was conducting missions throughout the country “without any obstruction from Hezbollah.”

Hezbollah member Mahmoud Qamat, however, responded by stating, “No one in the world will succeed in laying a hand on this weapon,” according to Lebanese media.

Hezbollah Member of Parliament Ali Fayyad stated the group was open to internal dialogue but warned against pressure on the LAF to disarm Hezbollah.

Col. (res.) Dr. Hanan Shai, a research associate at the Misgav Institute for National Security and Zionist Strategy and a former investigator for the IDF’s commission on the 2006 Second Lebanon War, told JNS on Wednesday that statements by Lebanese officials and the activities of the Lebanese army are “unequivocally an achievement for Israel.”

But Shai warned that due “the weakness of the Lebanese army, the IDF cannot rely on it and must back it up with its own parallel defense—mainly through detailed intelligence monitoring and targeted thwarting of any violation not only in Southern Lebanon but also [deep] within it, including at sea and air ports.”

The fragility of the situation was highlighted when a LAF soldier was killed, and three others were wounded while attempting to neutralize suspected Hezbollah ordnance in the Tyre district of Southern Lebanon on April 14.

Hezbollah’s real intentions were also apparent when its supporters reportedly burned billboards celebrating Lebanon’s “new era.”

Most tellingly, the Israel Defense Forces is continuing to detect intelligence of illegal Hezbollah activity in Southern Lebanon, and acting on that intelligence. Overnight between April 15 and 16, the IDF conducted strikes against Hezbollah infrastructure in Southern Lebanon.

In one strike near Aitaroun in Southern Lebanon, an IDF aircraft killed Ali Najib Bazzi, identified by the IDF as a squad commander in Hezbollah’s Special Operations unit. Other recent IDF actions included strikes and artillery fire targeting a Hezbollah engineering vehicle near Ayta ash-Shab in Southern Lebanon.

Meanwhile, reports emerged suggesting Hezbollah was actively adapting its methods for acquiring weapons. Reports indicated a shift towards sea-based smuggling routes utilizing Beirut Port.

The Saudi Al-Hadath news site reported on April 8 that Iran’s Quds Force created an arms smuggling sea route that bypasses Syria.

Amidst these reports, Aoun visited Beirut Port on April 11, calling for strict government cargo monitoring.

Karmon expresses skepticism

Senior research scholar Ely Karmon of the International Institute for Counter-Terrorism at Reichman University in Herzliya stated, “There’s no doubt there’s a change in Lebanon, first of all on the political level— the fact that President Joseph Aoun was elected—supported by the West, the United States, Saudi Arabia.”

In addition, he said, “Hezbollah’s political weight in parliament and in Lebanon in general has dropped significantly after the blow they received from the IDF.”

On the other hand, Karmon expressed deep skepticism about Aoun’s stated path to disarming Hezbollah. Aoun’s statement that he “isn’t interested in coming to military confrontation with Hezbollah,” and that it needs to be a “slow process,” as well as his call for Hezbollah to enter Lebanese army units, should not be taken at face value, according to Karmon.

“I don’t really believe it. First of all, because traditionally, in the Lebanese Army, most of the soldiers were Shi’ites, for a simple demographic reason. And therefore, the integration of thousands of Hezbollah fighters or personnel into the army—certainly at this stage in my opinion—it’s a danger that they’ll take control of the army from within, after they’ve already for years cooperated with the army.”

He added, “We know, for example, that they received weapons from the Lebanese Army—tanks and APCs—when they operated in Syria in 2013, 2010, and they even presented them publicly in Qusayr [in Syria]. On the other hand, we also heard one article from a Hezbollah representative who’s on their political committee, stating, ‘Absolutely not, we will not give up the weapons!’ It is clear there’ll be opposition.”

Karmon said he was skeptical about Lebanese government claims about taking over around 95 out of some 250 Hezbollah positions in Southern Lebanon. Karmon assessed that Hezbollah and its Iranian sponsors would be cautious but that they would continue to try “as usual, to act and to bring in weapons, to prepare some infrastructure in case, for example, there is a crisis in the negotiations on the Iranian nuclear issue.”

The post Lebanon Claims It Is Replacing Hezbollah in the South first appeared on Algemeiner.com.

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‘Tradition, Tradition!’

An image from “Family at the Seder,” from the 1935 Haggadah by artist Arthur Szyk (b. 1894, Lodz, Poland—d. 1951, New Canaan, CT). Photo: Courtesy of Irvin Ungar

JNS.orgHow important is tradition in Judaism? Obviously, the answer is that it is very important. I mean, they even dedicated a major song by that title in “Fiddler on the Roof!”

How strong is the need for tradition in the spiritual consciousness of Jews today? Despite the effects of secularism, I’d venture to suggest that there is still a need inside us to feel connected to our roots, our heritage and our sense of belonging to the Jewish people. Perhaps more than any time of the year, Passover is the season when millions of Jews embrace their traditions with love, warmth and lots of nostalgia.

But for vast numbers of our people, tradition alone has not been enough. And that applies not only to the rebellious among us who may have cast aside their traditions with impunity, but also to many ordinary, thinking people who decided that to do something just because “that’s the way it has always been done” was simply not good enough.

So what if my grandfather did it? My grandfather rode around in a horse and buggy! Must I give up my car for a horse just because my Zaidy rode a horse? And if my Bubbie never got a university degree, why shouldn’t I? Just because my grandparents practiced certain Jewish traditions, why must I? Perhaps those traditions are as obsolete as the horse and buggy?

There are masses of Jews who think this way and who will not be convinced to behave Jewishly just because their grandparents did.

We need to tell them why their grandparents did it. They need to understand that their grandparents’ traditions were not done just for tradition’s sake, but there was a very good reason why their forbears practiced those traditions. And those very same reasons and rationales still hold good today. There is, in fact, no such thing as “empty ritual” in Judaism. Everything has a reason, and a good one, too.

Too many young people were put off by tradition because some cheder or Talmud Torah teacher didn’t take their questions seriously. They were silenced with a wave of the hand, a pinch of the ear, the classic “when you get older, you’ll understand,” or the infamously classic, “just do as you’re told.”

There are answers. There have always been answers. We may not have logical explanations for tsunamis and other tzuris, but all our traditions are founded on substance and have intelligible, credible underpinnings. If we seek answers, we will find them in abundance, including layers and layers of meaning, from the simple to the symbolic to the philosophical and even mystical.

The seventh day of Passover recalls the “Song of the Sea” sung by Moses and the Jewish people following the splitting of the sea and their miraculous deliverance from the Egyptian armies. Early on, we find the verse, “This is my God and I will glorify Him, the God of my fathers, and I will exalt Him.”

The sequence is significant. First comes “my God,” and only thereafter “the God of my fathers.” In the Amidah prayer, the silent devotion, which is the apex of our daily prayers, we begin addressing the “Almighty, as our God and the God of our fathers … Abraham, Isaac and Jacob.” Again, “our God” comes first. So while the God of our fathers, i.e., tradition, most definitely plays a very important role in Judaism, an indispensable prerequisite is that we must make God ours, personally. Every Jew must develop a personal relationship with God. We need to understand the reasons and the significance of our traditions lest they be mistaken for empty ritual to be discarded by the next generation.

Authentic Judaism has never shied away from questions. Questions have always been encouraged and formed a part of our academic heritage. Every page of the Talmud is filled with questions and answers. You don’t have to wait for the Passover seder to ask a question.

When we think, ask and find answers to our faith, the traditions of our grandparents become alive, and we understand fully why we should make them ours. Once a tradition has become ours and we realize that this very same practice has been observed uninterruptedly by our ancestors throughout the generations, then tradition becomes a powerful force that can inspire us forever.

The seders we celebrated at the beginning of Passover are among the most powerful in our faith. They go back to our ancestors in Egypt, where the very first seder was observed. How truly awesome is it that we are still practicing these same traditions more than 3,300 years later!

Our traditions are not empty. They are rich and meaningful and will, please God, be held on to preciously for generations to come.

With acknowledgments to Chabad.org.

The post ‘Tradition, Tradition!’ first appeared on Algemeiner.com.

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Thousands of Protesters Rally Against Trump Across US

“Protect Migrants, Protect the Planet” rally in New York City, U.S., April 19, 2025. Photo: REUTERS/Caitlin Ochs

Thousands of protesters rallied in Washington and other cities across the US on Saturday to voice their opposition to President Donald Trump’s policies on deportations, government firings, and the wars in Gaza and Ukraine.

Outside the White House, protesters carried banners that read “Workers should have the power,” “No kingship,” “Stop arming Israel” and “Due process,” media footage showed.

Some demonstrators chanted in support of migrants whom the Trump administration has deported or has been attempting to deport while expressing solidarity with people fired by the federal government and with universities whose funding is threatened by Trump.

“As Trump and his administration mobilize the use of the US deportation machine, we are going to organize networks and systems of resistance to defend our neighbors,” a protester said in a rally at Lafayette Square near the White House.

Other protesters waved Palestinian flags while wearing keffiyeh scarves, chanting “free Palestine” and expressing solidarity with Palestinians killed in Israel’s war in Gaza.

Some demonstrators carried symbols expressing support for Ukraine and urging Washington to be more decisive in opposing Russian President Vladimir Putin’s war in Ukraine.

Since his January inauguration, Trump and his billionaire ally, Elon Musk, have gutted the federal government, firing over 200,000 workers and attempting to dismantle various agencies.

The administration has also detained scores of foreign students and threatened to stop federal funding to universities over diversity, equity and inclusion programs, climate initiatives and pro-Palestinian protests. Rights groups have condemned the policies.

Near the Washington Monument, banners from protesters read: “hate never made any nation great” and “equal rights for all does not mean less rights for you.”

Demonstrations were also held in New York City and Chicago, among dozens of other locations. It marked the second day of nationwide demonstrations since Trump took office.

The post Thousands of Protesters Rally Against Trump Across US first appeared on Algemeiner.com.

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