Start a Foundation

Although many people dream of starting their own charity, they are often discouraged by the perception that foundations are only for the wealthy. That is why Dr. J. T. “Dock” Houk founded the National Heritage Foundation. Established in 1968, the National Heritage Foundation makes it easy for anyone with a desire to serve their community to establish their own family foundation. To date, the National Heritage Foundation has helped thousands of philanthropists establish their own charitable funds.

The National Heritage Foundation process begins with the submission of a simple application form and a minimal fee. Once an individual’s foundation has been accepted under National Heritage Foundation, they can begin accepting tax-deductible donations for their organization. For a small 2.5% fee per donation, the National Heritage Foundation handles all of the tedious administrative work associated with managing a charity, including the preparation and filing of taxes, disbursement of funds, and oversight of all legal aspects of the organization. National Heritage Foundation’s commitment to excellence in managing these administrative tasks provides the freedom to fundraise in earnest and truly help those in need.

The best part about the National Heritage Foundation is that it allows individuals to establish charitable funds that can support practically anything. As long as the organization adheres to the National Heritage Foundation’s mission “to restore, maintain, and extend our national heritage,” an individual can begin to build a lasting legacy for his/her family. Current foundations managed through the National Heritage Foundation include poverty relief programs, Christian ministry programs, and cultural education programs, among a variety of others.

To learn more about how to set up a family foundation, visit http://www.nhf.org/nhf.htm.

The Value of Charities to Our Economy

by Dock Houk


Some of you may have read Phil Rucker’s article in The Washington Post and elsewhere on the Value of Non-Profit (Charities) to the Washington, DC regional economy. It is estimated in Rucker’s article that…

1. The economic value of the contributions of Philanthropy to the Washington, DC was more than $9.6 Billion dollars.

2. The charities in the DC area number 7,614.

3. Usually the services are delivered less expensively and more prudently than the Government,

4. And that the key areas are:
a. Health care,
b. Homelessness,
c. Hunger,
d. Violence, and
e. Literacy.

The report also mentions the human effort involved, and that’s where I would like to focus. My personal opinion is that personal effort to “heal the hurts” that our companions on this blue marble planet Earth feel every day, is the reason that charities are important to the Washington, DC Regional Area, and elsewhere in the United States and the world.

In fact I’ll say this: I believe that tomorrow’s world will have a growing and dominating amount of employment in the Service Industries, and of that employment sector, charitable employment will be growing and eventually dominating. In other words, most of our people will be at work, in and for charities, pouring out their energy to help make the world a better place to live.

In the early days of the Industrial Revolution, which began in the Western countries in 1789 in the Textile Field, manufacturing employment was most important. It was not until 1964 that Service Industries caught up and passed Manufacturing Industries in the employment of human beings. In the time since then, Service Industries continue to grow and soon, charitable employment will dominate.

Here are some tips for tomorrow’s planners:

1. Please offer to pay “volunteers” reasonable payment for the work they do.
2. If THEY choose, they may donate those funds for a tax deduction.
3. Pay these people well – do not regard what many call “The Charity Poverty Syndrome” as a valuable model.
4. Realize that unpaid volunteers are not free. They cost the charity money – in recruiting, supervisory, and administrative services.
5. Realize that unpaid volunteers are often NOT dependable and OFTEN unmotivated.

And think about two things:

1. Marx and Socialism opined that, “From each according to ability, to each according to need.” This pillar of Marxism thought that people would work really hard, and be willing to receive someone else’s assessment of his needs. When I spoke about exploitation in 1980 in Irkutsk, Russia, a worker gave me the laborer’s adage “YOU PRETEND YOU’RE PAYING ME, I PRETEND I’M WORKING. Volunteers or low paid workers are a bad idea.

2. Take a look at the New Testament, 1 Corinthians 9:7, where Paul says: “Who serves at his own expense? Or who tends a flock and doesn’t drink of the milk? Or who tends a field and doesn’t eat of the grapes?... for the plowman who plows or the thresher that threshes ought to be the first to share in the crops.” Or try Deuteronomy 25:4 where Moses advises, “Don’t muzzle the ox while he treads the grain.”

Because we need to build a solid foundation for the charitable activities that will be so important to tomorrow’s world. And the free market is the best guide we have. The socialistic model has already failed.

I Heard it With My Own Ears

A follow-up to Katrina Part Deux

Here’s what you must know from previous posts so that you really understand what I am beefed about:

1. 1. Since 1968, the National Heritage Foundation has been encouraging Charitable Entrepreneurship. People who want to make the world a better place have been encouraged to set up a “foundation at NHF”, make donations from their own pockets, obtain funds from friends and neighbors, and from other fund raising events, then make suggestions to the final authority at NHF for the expenditure of those funds – pay reasonable compensation for salaries, fees and expenses – and help get the job done.
   
   
   
2. In 2006 – with 14 pages of laws about Donor Advised Funds in a 400 page Pension Reform Act – Congress prohibited a Donor Advised Fund from making a payment to ANYONE for either compensation or expense reimbursement. But still left it okay for compensation and expenses to be paid from a public or private foundation.
   
   
3. The day after September 11, 2001 we had – from our thousands of foundation accounts – placed over $2,000,000 in the hands of relief efforts. The same was true in the Hurricane Season of 2005, when Katrina and Rita hit Louisiana and Texas. We had many donors who picked up stakes and moved to the area to begin the clean-up and help the hard-hit residents.
   
   
4. Then August 6, 2006 the government changed the law (see #2 above) and Donor Advised Funds could no longer pay personal compensation or even expenses for the work they did.
   
   
5. My comments in Katrina Part Deux were, “What if we have another tragedy and Donor Advised Funds are no longer able to help directly? What if they can help only indirectly by giving funds to other public and private charities?” I am reminded of what Jonathan Grissom said to the CNN Reporter, when the reporter asked about the $5 million he donated to his own private foundation. He replied, “My wife and I wanted to roll up our sleeves and get our hands dirty, and help to rebuild our town.” Now they can’t – through a Donor Advised Fund.

An essential part of charitable entrepreneurship has been blocked by Congress! The NHF concept, then, grew to include:

• (1) The National Heritage Foundation, Inc. (NHF) is a Donor Advised Fund, making grants to domestic and abroad to IRS-approved (at home) or NHF-approved (abroad) charitable activities.
  
  
• (2) It includes the non-donor advised fund called Congressional District Programs, Inc. (CDP) where a “field of interest” program is initiated, managed with our supervision by a non-donor, but still unable to make any payment to a donor.
  
  
• (3) And also Charity Admin Inc. (CAI) which can set up and administer an independent public or private charity for a client individual or company.
  

So my point in “Katrina Part Deux” was that – with this Pension Reform Act on the books, and with our being unable from a Donor Advised Fund to pour resources directly into an emergency area – another emergency tragedy like Katrina would be hampered.

And then a tragedy happened. Early on a foggy morning November 8, 2007 in San Francisco Bay, I was attending an InsMark symposium conference. I was out for a jog near the waterfront – I SWEAR I HEARD IT WITH MY OWN EARS a huge freight ship hit a Bay Bridge protection barrier, gashing a tremendous hole in its side, rupturing several fuel-oil tanks and spilling at least 58,000 gallons of fuel oil into the ecological system of the San Francisco Bay from Oakland – nearly to San Jose inland, all the way past the Golden Gate Bridge to the Pacific Coast of California.

“A badly timed heartbreak,” said the San Francisco Chronicle, citing that the black slick of oil was staining one of the richest wildlife regions on the Pacific Coast. It coincided with the migration of 150,000 ducks that had just flown 2,000 miles from Canada to feed in the Bay Ecosystem.

All through the day on Thursday, the heavy fuel oil that spilled from the Cosco Butan washed up on the beaches along the San Francisco and Marin County coastlines leaving purple sheens on the water and black globs in the sand. Hundreds of birds coated in the thick globs of oil were dead. It was heartbreaking. Experts estimate it could take years to restore the ecologic system to its former order. All water birds, mammals such as seals, porpoises and whales, and of course many of the fish.

Volunteers rushed to the beaches, but most were sent home. The government organizations “in charge” did not have the proper equipment for the volunteers to be effective. If California Community Foundations were able – if ANY Donor Advised Funds were able – to pay at least the expenses – not even counting the compensation – of the volunteers, I believe the emergency could have been a lot less devastating.

The crabbers were anticipating a bountiful harvest. Now they are contemplating CANCELLING the season because of the spill. The oil will affect EVERY PART of the food chain in and around the bay. And isn’t it too bad that because of the government’s lack of appreciation of the value of the charitable sector, and their ill-considered prevention of Donor Advised Funds paying expenses of, and reasonable compensation to, volunteers, this sector of the charitable industry cannot directly help.

California is the loser for it. We are all the losers for it.

Life Insurance: An Exciting NEW Market

by Dock Houk

My goodness, the things I learn from you. This is exciting – perhaps one of the most exciting new markets we have come up with: Life Insurance

Background:
Most of you are aware that the National Heritage Family is a BIG booster of the product LIFE INSURANCE. “Pennies buy dollars for future delivery” is a great sales line. We love it for many reasons, not the least of which being my dad’s influence on me. Dad served on the Board of Directors of a major insurance company for 25 years.

1. An individual donor purchases $1 million or more in a life insurance policy owned by the Donor’s Charitable Foundation at National Heritage Foundation, Inc.

2. From donations made to the NHF foundation the premiums are paid until the payment program is completed. Other deferred and current gifts may be made.

3. When the policy matures, the face amount (plus any additional current or deferred gifts) will be transferred to an INDEPENDENT PUBLIC CHARITABLE CORPORATION set up and administered by Charity Admin Inc (CAI) directed by his nominees – the kids, grandkids or whoever!

The legacy can now begin and last forever!

1. A Large Gift – When your client purchases the policy, in his or her mind THEY FEEL THEY HAVE MADE THE LARGE GIFT OF THE FACE AMOUNT. That’s powerful – pennies indeed buy DOLLARS.

2. Immortality – He or she can see the Foundation lasting forever. No one wants to “die as though they never lived.”

3. Influencing Tomorrow’s World – He or she can imagine that their ideas will make a difference in the future. And their reputation will be remembered.

4. The Kids and Grandkids – The impact on the family will be indelible – they of course can participate in the implementation of the charitable ideas, at a reasonable salary, when the new charity is established.

5. The Impact on Taxes. We often say “it’s not too late to cut one relative out of your will – Uncle Sam.” Charities which do things that the government might otherwise do are “sharing the burdens of government.”

6. Creating an Independent Public Charity. Our ability to create and administer an independent PUBLIC (NOT PRIVATE) CHARITY really makes this project sing. There are significant tax advantages and other blessings.

It will take a large gift to justify an Independent Public Charity.

The first thing you are going to ask is, “Why the MILLION MINIMUM?” And the answer is, “The Insurance Policy could be less, but the total of the assets in the foundation at NHF, at the end of the donor’s life, (including the addition of charitable trusts, gift annuities, land, other will bequests) should add up to at least $1 million.”

And the MILLION MINIMUM presumes that CAI will run the charity FOR THEM under their leadership.

Why the MILLION MINIMUM? It just does not make economic sense to begin an Independent Public Corporation for less than a MILLION. And that is presuming CAI administers the foundation. A MILLION will kick out about $60,000 a year which can be theoretically spent on the conduct of a charitable program. Our CAI contract would be about $3,000, and with an audit and perhaps a salary to one of the kids as president, it might total $25,000, which would leave $35,000 for the charitable program designed for the foundation.

I am so excited that I am going to beg for your help. Here is a letter that I have sent to all 500 INSURANCE COMPANIES DOING BUSINESS IN THE UNITED STATES. I want to work for your favorite life insurance company, and I won’t charge them a thing for my time. And they will sell much more insurance.

Dear Insurance Company:

I WANT TO WORK FOR FREE FOR YOU AND YOUR COMPANY.

My time will cost you zero. That’s right - not a penny. I want to train all the life insurance agents within your scope HOW TO SELL LIFE INSURANCE FOR THE DEVELOPMENT OF CHARITABLE FOUNDATIONS and get them energized.

Why am I doing this? Because I want to see philanthropy powered by life insurance. The possibilities for “doing well by doing good” are boundless.

This is a huge marketing opportunity that is overlooked — and it is only going to get “huger” as the Boomers hit their sixties. They are just beginning to do so. The time is right. The time is now.

There are lots of powerful motives that encourage people to set up Charitable Foundations funded with life insurance policies.

a. Ego – Pennies buy dollars of insurance. Insurance proceeds can endow a foundation and make them SOMEBODY in the community. Ego is a powerful charitable motive.
b. Immortality – A charitable foundation is not a “footprint in the sand.” It can keep on doing good for many generations, telling the donor’s life story with each gift. This is a living memorial.
c. Tax Planning – A gift of life insurance is a “Tax Wise Gift” that can reduce or even eliminate income and estate taxes.
d. Purely Charitable – There are many people who are deeply committed to charitable causes both here and abroad. Life insurance can be the perfect expression of their commitment.
e. Kids and Grandkids – If the gift is large enough we can set up a PUBLIC INDEPENDENT CHARITY that can provide bona fide employment for the kids and grandkids to carry out the foundation’s charitable purpose.

Ten Excellent Reasons Why You Should Call Me

1. It will not cost you a penny.
2. I am an excellent teacher and motivator. It is a $15 Trillion Dollar market over the next generation.
3. Sales will be “large ticket” and persistent.
4. You will sell more life insurance.
5. Your agents are leaving money on the table by ignoring the charitable market.Tremendous networking opportunities that will generate great PR value for your firm — the kind of image building that money cannot buy.
6. We love life insurance.
7. We have been doing this for 40 years. PLEASE SEE THE NHF 2007 ANNUAL REPORT, attached. We received a 1.4 million dollar death benefit and now we have a Heart Focused Hospital in Western Kentucky!
8. Insurance agents love what we do. PLEASE SEE THE LAST FEW PAGES OF THE FINANCIAL SERVICES ADVISOR COVER STORY, where 23 Life Underwriters give you their candid opinions of us. (p.s., we get an A+ report card)
9. Nearly half of our 10,000 current foundations have a deferred gift attached (life insurance, will bequests and charitable trusts), totaling an estimated $2 Billion dollars.
10. We can help you begin YOUR OWN Donor Advised Fund. Our management company can provide the experienced administration support you will need. No need to reinvent the wheel. Hit the ground running. (Or rolling, I should say).

Life insurance is the best way for ordinary folks to create a legacy that will keep on giving, making this old Earth a better planet.

Call my private line 561-301-3891 anytime to set an appointment for talking on the phone or meeting in person.

I am at your service.

Charity is Everyone's Business

Donors should be able to DO charitable work, not just DONATE to existing charities

by Dr. JT Dock Houk, JD, PhD, CPhD

Some of you may have read my blog from October 18, 2007 called "KATRINA PART-DEUX," which noted sadly that the Pension Reform Act of 2006 makes it illegal for a donor to recover reasonable compensation and expenses from moneys that he may have donated to a DONOR ADVISED FUND when he assists victims of a second disaster like HURRICANE KATRINA.

And now comes the CALIFORNIA FIRES PART-DEUX! A donor who makes a donation to a Donor Advised Fun HAS NO FINANCIAL WAY TO HELP. Sure, he can go to the disaster area as a volunteer and perhaps buy a shovel at a local hardware store. But he may not even get reimbursed for the expenses of the shovel from his donations to a Donor Advised Fund. And most certainly, he cannot receive compensation at all. But the wealthy – the Bill Gates's of the world – can set up a Private Foundation and pay themselves and others to participate in the California Fire recovery effort. The wealthy – those who can afford the tremendous expenses of a Private Foundation – CAN pay reasonable compensation and expenses for such worthy charitable work, those who are not wealthy CANNOT.

This reminds me of a conversation on CNN with author John Grisham, who was asked why he did not simply make a contribution to the Salvation Army or the Red Cross to reflect his concern for the victims of Katrina. He said “My wife and I wanted to roll up our sleeves. We wanted to get our hands dirty. We wanted to help personally.” So, because Donor Advised Funds are prohibited from paying reasonable compensation and expenses in such instances, he put $5 Million in his OWN PRIVATE FOUNDATION.

If you are half as upset about this as I am, please call your Congressman and let him know. For your review, under the current law change:

1. National Heritage Foundation (A Donor Advised Fund) can make gifts at the donor’s suggestion to approved (by NHF and IRS) charities and to other organizations for charitable purposes. And it can make gifts abroad to organizations that National Heritage Foundation approves on the basis that they “would be charities” if they were located in the U.S.
   


2. Congressional District Programs (A Field of Interest Charity) is NOT a Donor Advised Fund, must be monitored by a Project Manager who is a NON Donor with Congressional District Programs' approval, and can indeed pay reasonable expenses and compensation to non-donors.
   


3. Charity Admin, Inc. – this is a new Charity Management Company that can create and manage Public and Private Independent Charities that can indeed still pay the donor, and perhaps his nominees, reasonable compensation and expenses for their charitable activities.

So, shall we correct this legislation now, or wait till the next Katrina, the next California Fire, the next Mount St. Helena blast, the next Tsunami, the next Disaster? We need vehicles like Donor Advised Funds to make it possible for the little guys like us to make a difference.

Charity is everyone’s business, and it is not right to say to a small donor – well, you can't perform the work yourself, but you can just donate to (fill in the charity name).

Congress is Halting Americans from Charitable Involvement

by Dock Houk

Why in the world would Congress stop the progress of charitable involvement by the American People?

By preventing Donor Advised Funds from operating charitable programs, Congress has effectively hampered market forces at work -- to create jobs in the charitable sector and help those in need. Did you know these programs were operating in when the law was passed?

The 14 pages of the 400-page Pension Reform Act (that prohibits payment from a Donor-Advised Fund for reimbursement of expenses and reasonable compensation related to the charitable purpose) is short-sighted, dangerous and hurtful to America!

Here are some thoughts from the bipartisan work of President William J. Clinton and President George H. W. Bush, as expressed in Bill’s new book, “GIVING – HOW EACH OF US CAN CHANGE THE WORLD.”

1. “Everyone, regardless of income, available time, age and skills can do something useful for others, and, in the process, strengthen the fabric of our shared humanity.”
   
2. Worldwide philanthropy is a golden thread that can bind us together. ALL RELIGIONS AND ALL GREAT PHILOSOPHERS recommend GIVING!
   
3. We can make market forces work better for the poor if we can develop a more creative capitalism.
   
4. We need to stretch the reach of market forces so that more people can make a living serving people who are suffering from the worst inequities.

At some point in the near future, the Charitable Sector will create a significant number of jobs that Americans need. Imagine the joy of waking up in the morning and planning the day to MAKE THE WORLD A BETTER PLACE, little by little.

It is clear that our charitable programs help create those jobs and facilitate competent management and oversight in a way that private foundations and individual public charities cannot.

The charitable programs under the National Heritage Family (NHF) reflect the market forces the Clinton/Bush ideas are describing:

1. Charitable Entrepreneurship embraces the best of capitalism, and uses it to give jobs and livelihood to those who help others.
   
2. There is no better way for normal citizens to begin helping others than combining the forces of the National Heritage Family (administration) and the charitable entrepreneur (program action).
   
3. Everybody knows that setting up an expensive, cumbersome and dangerous private charitable foundation is NOT a solution except perhaps for the very wealthy – like Bill Gates. Even Warren Buffet does not want to face the administrative challenge, and has asked Bill Gates to help.

Read my previous blog from October 18, 2007 that illustrates how the Pension Reform Act has crippled Americans’ ability to assist the victims of future Hurricane Katrina-like disasters through the Donor Advised Fund .

Please also refer to the 2007 Annual Report of the National Heritage Family describing our struggle to deal with the Pension Reform Act. NHF programs give people the means to easily join together to advance the public good. The services of the NHFamily help people focus on the COMMUNITY NEEDS, while leaving the administrative tasks to experts at NHFamily.

• How does someone begin to help?
• How does an individual attempt to make a charitable impact in his or her community?

We have the answer. You will see it in the NHFamily Annual Report for 2007. And if you want to talk with me call 561-301-3891; or send me an email at dock@nhf.org. I will respond to you promptly.

Dr. J. T. Dock Houk, JD, PhD, CPhD
Founder and CEO

P.S. We have charitable programs hard at work in all Congressional Districts around the country.

Hurricane Katrina Part Deux

When Hurricanes Katrina and Rita hit the New Orleans and Texas areas, breaking down the levees and flooding the lower lying homes, many of the foundations under the authority of the National Heritage Foundation (NHF) took immediate action. Both money and people advanced on the tragedy and did what they could to help. And many wonderful new chapters in the NHF story were written – headlined by The KATRINA HOUSING FOUNDATION, EVERY CHURCH A SCHOOL FOUNDATION, AND MUTTSHACK.

Foundations at NHF tackled the basic tasks of getting displaced persons a place to live, ECAS helped mobilize the churches in the area to rescue and rehabilitation eff orts, and MuttShack helped take care of animals left to wander on their own having been separated from their owners.

NHF staff focused on analyzing requests for reasonable compensation and expense reimbursement, worked overtime to backstop these efforts and speed up the rescue and rehabilitation work. In our offices it was very like what happened when the September 11th terrorist attacks on the country. We had nearly $2 million out the door and helping those victims in New York before the smoke settled.

I listened to John Grisham and his wife being interviewed on CNN, at the time just after Katrina hit. He had put $5 million, I believe, into a Private Foundation at great expense, and the interviewer asked: “Why did you feel you had to go to the expense of setting up a Private Foundation. Why didn’t you just send the money to the Red Cross or some other agency in the New Orleans area?”

His answer was exactly why, in 1968, Dr. Wil Rose, in San Francisco, Ron Philgreen, in Kansas City, and I set up the National Heritage Foundation in the first place. He said… in effect:

“My wife and I wanted to roll up our sleeves – we wanted to get our hands dirty – we wanted to personally help the victims. And setting up a Private Foundation was recommended to us by our Financial Planner, since we would need some reimbursement of expenses.”

AND THAT’S WHAT WE AT NHF WERE CREATED TO DO.

NHF was created in 1968 to encourage philanthropy all over the world, and in our short lifespan, we have nearly 10,000 foundations under our authority, and have impacted lives in 26 countries. These foundations, under NHF authority, are taking care of Buddhist old folks in Golok, Tibet, we are helping Sufi Moslem Orphans in Cairo, Egypt, we are building a Golden City (Hindu) in southern Andra Pradesh in India which will provide services to 27 villages. In the United States, we have a homeless shelter in slumtown Phillie, we have a battered women’s shelter in Minneapolis, and we run a park in California. We were created to help encourage Philanthropy, worldwide. Some call it…

“CHARITABLE ENTREPRENEURSHIP”

The founders of NHF have always realized that the idea of “people helping their fellow man” was indeed a Golden Thread that could well bind the world’s peoples together on this Shrinking Blue Marble called “Earth.” AND DON’T WE NEED SOME BINDING-TOGETHER?!!!

NHF provides the back office administration for anyone who feels like helping others. In a sense we are, first, an incubator – then after some progress, a greenhouse, - and perhaps later on, when the project is big enough, strong enough, to stand on its own two feet – a launching pad for charitable independence. When the new charitable endeavor is big enough for independence, we have GRADUATION DAY, where our NHF foundation – with our help – becomes an Independent Public Charity.

NOW COMES THE DARNED PENSION REFORM ACT

And now it is Verboten for a Donor Advised Fund like NHF to help individuals respond to community needs – when those needs require the payment of Reasonable Compensation for Bona Fide Charitable Activities, or the payment of Reasonable Expenses for those projects. THIS IS NOW AGAINST THE LAW FOR A DONOR-ADVISED FUND TO DO.

Yes, of course we can set up a Field of Interest Charity, as we do with the Congressional District Programs, but the donor or initiator AND HIS FAMILY OR ANY CORPORATION OF WHICH HE MAY BE A SIGNIFICANT OWNER ARE PROHIBITED FROM MAKING A CONTRIBUTION. Yet he or she may do these things if only they set up an expensive PRIVATE independent foundation.

Consider how thoughtless the new law is: An individual wants to set up a foundation at NHF to, for example, “Tutor Inner City Gifted Children After School.” As any Entrepreneur would do, he fund this idea initially with his OWN donations. Under the new restrictions, he cannot be reimbursed, even if he purchases notebooks for them to study with. The law would make that a Donor Advised Fund. Yet, if he only creates his own non-profit corporation and files (for $750) Form 1023 with the IRS and begins his own dangerous and expensive journey through the administrative minefield of charity administration, he may be reimbursed for the notebooks and materials he has purchased for this after-school program. It makes you wonder whether the Congressmen even read the entire text of The Pension Reform Act.

HERE’S THE DANGER TO AMERICA

Charitable Entrepreneurship is indispensible to our future. CE will give employment to people, especially young people, and CE will give deep job satisfaction to those who are working on aspects of “Making the World a Better Place to Live.”

We are ENCOURAGING Charitable Entrepreneurship by asking Congress to remove from the category of Donor Advised Fund all “Foundation Accounts” at Community Foundations like NHF, funds which have at least 1/3 Public Support! Call me at (561) 301-3891 and we’ll go see your favorite Congressman together.