Read e-book Living Well on the Basics of Gifts

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Whether you donate an older policy that you no longer need, or start a new policy to fund a major charitable project, life insurance offers a unique way to leverage relatively modest annual payments into a sizable charitable gift. There are four basic methods to benefit our Foundation using life insurance: Name the Lupus Foundation of Northern California as your successor beneficiary. For example, you own a policy and have named your spouse as the beneficiary.

You could name our Foundation as successor beneficiary in the event that your spouse predeceases you. There are no immediate tax benefits, but if no successor beneficiary were named, the death benefit would be included in your taxable estate. Name the Lupus Foundation of Northern California as your primary beneficiary. Recommended: Cruise Christmas Cards. Bring a little cruise home, the selection of cruise and beach theme shower curtains is amazing on this site!

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Do remember to measure which length you need. Recommendation: Cruise theme shower curtain. This fun cruise novelty item will actually teach you how to create 8 different towel animals, just like on the cruise ships. This 90 page planner is so fun looking, you might be surprised how thorough it is. It has space to fill in all your travel plans and includes packing lists and more. This popular cruise book is a bit of a behind the scenes look at cruise life and all that really happens , as told by a former crew member.

Cruisers may want to have fun, but we also love to travel! One of my favorite travel resources is Rick Steves. If you are cruising to the Mediterranean this guide is geared specifically for cruisers who only have hours in each cruise port and want to make the most of it. Cruising to Alaska? A guide book with information all in one place can be so handy! These fun towel clips are great to keep towels put on a breezy sea day or at the beach. They make a great little cruise gift and are really something that many cruisers need. Recommended: Towel clips — variety available flamingos, margaritas, flip-flops.

Binoculars are a must have on Alaska itineraries , but can come in handy even on Caribbean or Bermuda cruises think of the dolphin and whale sightings. Recommended: Quality binoculars for the cruise traveler. Cruises offer amazing photo opportunities, from the ship itself, the sea, the destinations — plus great photos and videos of loved ones. This small tripod is an amazing value and is my personal choice. Before my family went on our last cruise, I bought this selfie stick which I rarely use for selfies , and I love it!

It has helped me to take decent videos and makes taking photos much easier than directly with your phone. This waterproof dry bag is perfect for active cruisers. This best-selling Amazon items comes in a several sizes and colors.

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Cruisers often wonder where they can put valuables and identification when on excursions or hanging out on the beach. If you're not looking for a complete home gym, but rather reliable equipment that can compliment body weight exercises, this suspension training kit on Amazon is a favorite, with a 4. Using nothing but gravity and your body weight, this kit enables you to exercise anywhere you have the space to hook up the simple equipment. Reviewers love the quality, the versatility and the effectiveness of the gear.

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Plus, it won't take up a lot of space. The brand new Apple AirPods Pro are a great way to tune out distractions when it's time to zone in on your workout.

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These compact true wireless buds come with active noise canceling technology, plus they're sweat and water resistant , so there's no need to worry when you're killing it in the gym. If you're looking for high-quality Bluetooth headphones better suited for running or intense HIIT workouts, Powerbeats Pro are your best bet.

Unlike the AirPods Pro, they feature adjustable ear hooks that guarantee they won't budge or pop out no matter what you're doing. This gym bag is sure to garner compliments, turn heads and last you years. It's the perfect size to double as both a work bag that fits an extra pair of sneakers, boxing gloves or whatever you need for that post-work sweat sesh. The Neoprene material is extremely lightweight, and also a breeze to keep clean.

Simply throw it in the wash whenever it's starting to smell less than optimal. There are a ton of useful pockets and zippers to make organization a breeze, and the range of colors makes it a great option for everyone. It's important to stay hydrated, and after a long workout there's really nothing better than taking a swig of ice cold water. To keep your water cold, Hydro Flask has Dual-Shield Technology that locks in the temperature , so even hours after you fill it up, your water stays cold and refreshing. The bottles come in seven colors with a variety of lids so you can tailor it to your workout and style.

This isn't any old yoga mat.

The Jade Harmony Yoga Mat comes in 16 fun colors, and prides itself on its superior grip and comfort. Plus, it's made from sustainable materials, and the brand actually gives back to the planet with every purchase.

Made from natural rubber as opposed to synthetic alternatives, the material works to provide a more secure grip while you're holding your poses. Reviewers specifically love it for hot yoga, when other mats can turn into a total slip and slide. With a 4. The latest Apple Watch doesn't change much with design, but it does something big with the display. It's now always on, so whether you holding that yoga pose at the gym or riding a bike, you don't need to take an extra action to monitor your workout. It's a big change that doesn't take away from the day-long battery life.

Additionally, it can still take an ECG and looks sporty in the aluminum variants. FitBit's latest device aims to mix a smartwatch with an activity tracker. It keeps the class leading tracking technology that Fitbit fans have enjoyed, but tosses in some smart features like messaging, calls and even Alexa on your wrist.

For the guy who throws toiletries into his gym bag, this Dopp Kit from MZ Wallace's new men's line is a super sleek, yet masculine, option when it comes to packing all your gym essentials in an organized way. It also doubles as a perfect toiletry bag for any traveling, since it's big enough to fit a toothbrush, shaving kit, cologne and much more. A perfect addition to the Bleecker Dopp Kit, this skincare starter kit from Kiehl's is the perfect stuff to use after a workout. It's simple, yet super refreshing, reinvigorating and does wonders on oily or acne-prone skin.

It's also the perfect opportunity to test out popular, best-selling products before committing to a full-size option. This sleek, everyday gym bag can hold a ton without looking bulky.

25+ Unique Holiday Gift Ideas for EVERYONE - My Life Well Loved

It's super lightweight, yet durable, and the cherry on top is that it's waterproof. Plus, it's technically a weekend bag, so for the guy or girl who prefers to keep things minimal, this is a really do-it-all option. Reviewers love its high-quality construction, particularly at its affordable price. Foam rollers are a real game-changer when it comes to post-workout recovery. They work to loosen up your muscles and act as a massage after a trying session , and you'll be able to loosen up your quads, calf, lats, back and much more with this 5-star rated option.

A great option for the person who's just getting into working out or always says they need to stretch more. Dry shampoo is a must-have if you're going from the gym to dinner or anywhere you have to look and smell acceptable. This four pack comes with Drybar's cult-favorite Detox Dry Shampoo, which will leave your gym hair feeling, looking and smelling fresh and clean.

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You'll also get a texturizer, heat protectant and hairspray, which you can either take to the gym or pack for upcoming travel.