wedding gift: cash toward

MSN Money - A practical wedding gift: cash toward a home MSN Home My MSN Hotmail Shopping Money People & Chat Sign In W eb Search: Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Planning Home Retirement Savings Insurance Family/College College Tools Scholarship Search College Search Resources Decision Centers Commentary Index More Tools Related Links Message Boards Print-friendly version Send this to a friend Get market news by e-mail See if refinancing works Personal finance bookshelf Find It! Article Index Finance Q&A Tools Index Site map Related Articles Marriage means updating important documents Romance can wait; first, talk cold, hard cash Tie the knot without busting your budget Related Resources Decision Center: Essential homebuying guide Decision Center: Love, money and marriage See if youre carrying too much debt Stay at home or work? Try our calculator Related Sites Bankrate.com The Basics A practical wedding gift: cash toward a home advertisement If anyone asks what you want for a wedding present, you might try 'cash for a down payment.' Its legal, if you follow the rules, and asking for cash even meets the Emily Post test for politeness. By Bankrate.com June is the busiest month for weddings, and a forest's worth of invitations either already has been mailed or soon will be sent. A lot of couples want money for wedding gifts. A wedding-day cash infusion can make putting a down payment on a home easier. With prices appreciating rapidly in much of the country, lots of couples need all the help they can get. There are formal and informal rules governing gifts of money to help newlyweds buy a house. First, the informal rules: Is it OK to ask one's wedding guests for money? "It's not rude to request money as a wedding gift," says Peggy Post, author of Emily Post's Wedding Etiquette. "However, it's extremely important to ask politely." Peggy Post is Emily's great-granddaughter-in-law, the wedding etiquette expert for WeddingChannel.com and the main spokesman for the Emily Post Institute. She says one of the most common challenges that couples face is how to request money as a wedding gift. Doing so is acceptable, if done politely. If you seek down-payment money, get the word out through family and friends, Post recommends. Just don't include that info in the same envelope as a wedding invitation. "If you are asked point-blank what you would like for a gift, you might say, 'Whatever you choose will be wonderful, I'm sure, but money for a house down payment is on the top of our wish list,'" Post says. It's OK to say what it's for Go ahead and tell people what you want the money for. Who knows? If you let people know that you plan to spend the money on a down payment, rather than on a honeymoon in Tuscany, they might be more willing to open their pocketbooks. Wedding guests who insist on giving you yet another toaster or wicker picnic basket or a set of rosewood corn holders should be thanked anyway, even though they aren't helping you buy a house. "You should always accept any gift graciously, and remember that the choice of what to give really belongs to the gift giver," Post says. With the etiquette question out of the way, that brings up how to get the money from your guests' pockets and into the hands of the folks who eventually sell you their house. It's not simple, because mortgage loan programs have differing rules on the use of gift money in making a down payment. So know the gift rules Generally, you are expected to be able to make a down payment of at least 5% from your savings, excluding gifts. But what if you are too impatient to wait that long? Some mortgage programs allow you to use gift money if you can't scrape together that 5%. Loans insured by the Federal Housing Administration allow you to use money from gifts to make a down payment of as little as 3%. Fannie Mae and Freddie Mac, the two biggest purchasers of home loans, offer similar programs through lenders. Fannie Mae's program is called "Flex 97" and Freddie Mac's is called "Alt 97." If there is a problem with these loan programs, it is that they limit whose money you can use. The FHA, Fannie and Freddie allow you to use money from family members. In the FHA's case, givers have to be members of your "immediate family." It's up to the loan officer to figure out who is family and who is immediate family. What about friends? Can you use gift money from, say, the woman who has been your mother's best friend since kindergarten? Technically, no. The money has to come from family (or from a nonprofit or government agency, but they don't give wedding gifts). It wasn't always this way. In 1996, the FHA encouraged lenders to offer "bridal registry accounts," where couples could stash gifts from friends and family. "Then, when the newlyweds purchase their new home, the money will be available and documented through a lender-supervised account," the FHA said. A few lenders responded enthusiastically, establishing account programs specifically for newlyweds complete with gift cards that could be returned to the bank with a check enclosed. One such lender is SunTrust Mortgage, a subsidiary of SunTrust Banks. Through SunTrust Mortgage, you can open a bridal registry savings or checking account at SunTrust Bank. When a wedding guest makes a deposit, the bank sends a card to the bride and groom to let them know. Ready to find a mortgage? "When they're ready to go ahead and make that first home purchase, they access those funds and we get a mortgage for them -- and we hope they remain a SunTrust banking customer," says Cheryl Nolda, senior vice president of marketing for SunTrust Mortgage. In the last few months, about 500 brochures have been given to prospective couples, Nolda says. The lender usually sees an upsurge in interest in the two months before June and October, which tend to be the busiest months for weddings. Despite their success at SunTrust, bridal registry accounts never really caught on. You can always open a regular old savings or money market account to hold your down payment fund, but you might need to document where the money came from. That's easy enough when the money comes from your paycheck. If some of the money comes from gifts, be prepared to document the source. Encourage gift-givers to give checks from their personal accounts. And don't forget to write those thank-you notes. Editor's Choice 3 legal papers you can't live without Your own business, your tax shelter Brush: The 5 most overpaid CEOs Are seniors gambling away retirement? Cut your taxes by going solar Readers' Choice Ratings Top 5 Articles 9.34 Zombie debt collectors dig up your old mistakes 9.33 10 ways to stop identity theft cold 9.31 10 ways to avoid outrageous hospital overcharges 9.22 The tricks and traps of debt consolidation 9.17 Safeguard your Social Security number View all top rated articles More Resources · E-mail us your comments on this article · Post on the Your Money message board · Get a daily dose of market news S earch MSN Money tips advertisement MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. 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Christmas Gifts for Children

Christmas Gifts [ Home] [ Search ] [ Up ] [ Advent Calendar Activities ] [ Angel Crafts ] [ Christmas Gifts ] [ Christmas Tree Crafts ] [ Christmas Wreath Crafts ] [ Crafty Christmas Ornaments ] [ Other Christmas Crafts ] [ Reindeer Crafts ] [ Religious Crafts ] [ Santa and His Elves Crafts ] DLTK's Crafts for Kids Christmas Gifts for Children to Make I think most of the Christmas Crafts on the site would makegreat gifts from the kids, but here are a few that I created with gift giving inmind. Christmas Coupons Age 5+ Great stocking stuffers for mom and dad! Christmas Puzzle Piece Picture Frame Age 2+ Chocolate-Mint Spoon Age 4+ Desk Snow Globe Age 4+ Dog Biscuits Make a Christmas treat for Rover! Age 3+ Easy Blanket Idea Age 5+ Easy Gift Tag Ideas Any Age Hawaiian Cookies in a Jar Age 3+ (my 3 year old, loves measuring and dumping ingredients) Painted Ornaments easy enough for young children to do, but such a pretty result that even adults will enjoy this project! Age 3+ Pinecone Ornament Age 2+ Plastic Canvas Christmas Tree Ornaments Age 6+ Ribbon Ornaments likely the toughest craft on the site. Suitable for adults. Age 1 2+ Rudolf Pin Age 5+ Snowman Soup with optional Mug Age 2+ can do the soup Age 5+ can make the mug to go with No Picture Available Tile Collage Age 5+ Tri Bead Napkin Rings Age 5+ Christmas Handprint Craft Ideas: Handprint and footprint crafts make great Christmas craftprojects. Rather than simply doing the projects on paper, you can stampthem with fabric paint onto t-shirts or napkins. You can arrange them onpaper and cover with clear contact paper to make placemats. Or you cantrace onto craft foam, cut out and glue to make wall hangings and Christmas treeornaments. Here's a list of hand and footprint Christmas projects on thesite: Angel Handprint and Footprint Craft with Poem Christmas Handprint Wreath Christmas Tree Handprint Craft Rudolf Hand and Foot Craft If you would like to add to the project, we have a variety of handprint poems to go with your craft. Here are some more thoughts that viewers have sent in: I have a home daycare with kids the ages of 0-7. Some christmas gift we have made are. Handprint wreath on burlap with a wooden dowel to make it a banner. I just painted the kids hands green and helped them place it in a circle then I painted their thumb red to make berries. I also took blue felt and painted their feet white and had them stand on the felt then painted their hands white and and placed them out next to the top of their feet. This makes an angel. We also glued fake doll hair on the balls of the feet and wiggle eyes under the hair. We have also traced their hands onto fusible web then fused the hand prints to different types of christmas fabric, then I cut out the handprints and fused them to a piece of Christmas fabric in the shape of a tree with the hands pointing downward. I also made this product a banner with a dowel. Another idea I had is to trace my kids hands out of constructions paper and put it in the center of the plate and on the edge put their name and the date. I think that would make a great Christmas gift for grandparents. One idea that worked very well was to make the child's handprints in dough that is bakeable ( self-hardening ). Put the year and child's name on it along with a hanger on the back. I had a parent call me when she opened the gift on Christmas day, in tears. Said it was the best thing she could have every gotten because although she always wanted to do this, she put it off and had we not done it, her child would have grown up before she did it herself.

Valentine Gift

Listmania! Valentine's day gift books Your Store See All 31 Product Categories   Your Account | Cart | Wish List | Help Improve Your Recommendations | Your Amazon Home | Your Profile | Learn More Search Amazon.com Books Popular Music Music Downloads Classical Music DVD VHS Apparel Yellow Pages Restaurants Movie Showtimes Toys Baby Computers Video Games Electronics Camera & Photo Software Tools & Hardware Office Products Magazines Sports & Outdoors Outdoor Living Kitchen Jewelry & Watches Beauty Gourmet Food Beta Musical Instruments Health/Personal Care Travel Cell Phones & Service Outlet Auctions zShops Everything Else Scientific Supplies Medical Supplies Indust. Supplies Automotive Home Furnishings Lifestyle Pet Toys Arts & Hobbies Web Search Listmania! Valentine's day gift books by Josephine Thompson , counselor E-mail this list to a friend 1. To Love Again by Danielle Steel (Mass Market Paperback) Average Customer Review: List Price: $7.99 Buy new : $7.99 Availability: Usually ships in 24 hours Used & new from $0.01 Josephine Thompson's comments: Woman loses a fairy book love due to tragedy...learning to love again 2. Now and Forever by Danielle Steel (Mass Market Paperback) Average Customer Review: List Price: $7.99 Buy new : $7.99 Availability: Usually ships in 24 hours Used & new from $0.01 Josephine Thompson's comments: Romantic story of a great marriage 3. Once in a Lifetime by Danielle Steel (Mass Market Paperback) Average Customer Review: List Price: $7.99 Buy new : $7.99 Availability: Usually ships in 24 hours Used & new from $0.01 Josephine Thompson's comments: passsionate romance 4. Torn From The Inside Out by Josephine Thompson (Paperback) Average Customer Review: List Price: $17.60 Buy new : $17.60 Availability: Usually ships in 24 hours Used & new from $16.73 Josephine Thompson's comments: True drama, literary memoir by debut author 5. The Bridges of Madison County by Robert James Waller (Hardcover) Average Customer Review: List Price: $12.95 Buy new : $10.36 You Save : $2.59(20%) Availability: Usually ships in 24 hours Used & new from $0.01 Josephine Thompson's comments: Beautiful love story: best seller for years, & great movie 6. Kiss Me, Kill Me : Ann Rule's Crime Files Vol. 9 (Ann Rule's Crime Files) by Ann Rule (Paperback) List Price: $7.99 Buy new : $7.19 You Save : $0.80(10%) Availability: Usually ships in 24 hours Used & new from $0.67 Josephine Thompson's comments: for ANN Rule fans 7. He's Just Not That Into You: The No-Excuses Truth to Understanding Guys by Greg Behrendt, et al (Hardcover) List Price: $21.95 Buy new : $14.05 You Save : $7.90(36%) Availability: Usually ships in 24 hours Used & new from $10.50 Josephine Thompson's comments: a Valentine's gift for the judicious 8. The Five Love Languages: How to Express Heartfelt Commitment to Your Mate by Gary Chapman (Paperback- June 1996) Average Customer Review: List Price: $13.99 Buy new : $10.84 You Save : $3.15(23%) Availability: Usually ships in 24 hours Used & new from $5.99 Josephine Thompson's comments: Great book to help reaffirm love when 'love languages' differ!! Create your own list! See the Best Lists Top 100 Listmania lists Search Listmania lists More about Josephine Thompson Related Listmania! Add your list Valentine's gifts for readers : A list by Josephine Thompson, counselor Danielle Steel books : A list by kmlwta, reader "Danielle Steel's Books in Chronlogical Order" (Part 1) : A list by Sharon Evans, reader Danielle Steel : A list by D. Nishimoto, Reader Add your list Related So You'd Like to... Create a guide digest drama - richer, poorer, ups, downs, twists, and turns : A guide by Buela Whirl, More Drama, Please WHY HE'S NOT THAT INTO YOU! : A guide by Steve Nakamoto, Host of iVillage.com's "Ask Mr. Answer Man" message board & author of Men Are Like Fish: What Every Woman Needs To Know About Catching A Man Enjoy some terrific "Relationship" books?... : A guide by Blanchett W. Bailey, Librarian, enjoying this journey called life (... mostly) Improve your relationships: with yourself, couple and family : A guide by Rose Minella, Family Therapist Keep Your Man!! : A guide by Vanessa, I've been reading since birth The Beautiful and The Smart may click me : A guide by Sue McKels, Interested Party Make a Difference in Your Life : A guide by Diane Kramer, Personal & Collective Growth Guidance Send Chills up a Librarian's Spine : A guide by Aaron Wint, Library Patron Create a guide Where's My Stuff? • Track your recent orders . • View or change your orders in Your Account . Shipping & Returns • See our shipping rates & policies . • Return an item (here's our Returns Policy ). Need Help? • Forgot your password? Click here . • Redeem or buy a gift certificate. • Visit our Help department . 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Gifts for Women -

Gifts for Women: Gift Ideas for Women /travel_smith/images/button.gif" width=32 height=27 border=0 alt="Sign up for offers" hspace=1 /travel_smith/images/spacer.gif" width="1" height="1" /travel_smith/images/topnav_horizontal.gif" width="750" height="1" -- Gifts for Women - Gift Ideas For Women Gifts for women from TravelSmith: Our gift ideas for women include clothing, handbags, travel items and more! Gift for Women - Gift Idea for Women Choose the perfect gift for her from our selection of gift ideas for women. /travel_smith/images/spacer.gif" width="5" height="1" -- Home Gift Guide Perfect for Her view by: Best-Selling | Price | What's New Perfect for Her Next #GIFTC TravelSmith Gift Certificates $25-$500 #5835 Women's First-Class Blazer $89.00 #6715 Women's Ultrafleece Coat $149.00 #6849 Women's Over-Easy Microfiber Shirt $54.00 #5950 Women's Pintuck Poet's Shirt $49.00 #4858 New! Women's Rouched V-Neck Long Dress Indispensable Travel Dress $85.00 #6815 Women's Heirloom Tapestry Jacket $69.00 #6487 Women's Microfiber Riding Jacket $79.00 #6360 Women's Moment's Notice Microfiber Dress $79.00 #4451 Women's Short-Sleeve One-Size-Slimmer Dress $99.00 #5562 Sale Colors! Women's Indispensable Side-Zip Travel Pants $79.00 #6760 Women's MicroTweed Coat $149.00 #4340 New! Women's Picturesque Prose Shirt $59.00 #4286 New! Women's Wild Side Easy Shirt $59.00 #6889 Women's Printed Sueded Microfiber Big Shirt $59.00 #6796 Women's Washable Suede Shirt Jacket $89.00 Next SHOPPING My Account Wish List Sizing Info Gift Certificate Online Catalog COMPANY About Us Your Privacy Rights Job Opportunities HELP How to Order Contact Us Product Directory Site Map Under $50 Under $100 Games & Gadgets Monogram Perfect for Her Perfect for Him Gift Certificates

Groomsmen gifts that are

Groomsmen Gifts? | Ask MetaFilter Thursday, September 22, 2005 2:58 PM PST Ask MetaFilter Home MetaFilter MetaTalk Post a new question Search Ask MetaFilter Ask MeFi Archives April 4, 2005 I'm to be married at the end of the month, any suggestions for Groomsmen gifts that are non-ordinary? I've seen the standard knife, cigar, flask, lighter, poker, et all, gift recommendations. I'm looking for some more interesting items that are effervescent while not ephemeral. Right now I'm considering some Airsoft rifles and 2000 rounds for battle, but anything else is certainly welcome. What did you do for your Groomsmen? Price is not an consideration - give me your mind. posted by ix to society & culture at 3:37 PM PST ( wedding gift groomsmen ) The best Groomsmen's gift I have recieved was a nice hi-tech leatherman-like tool. Use it to this day. posted by qwip at 3:42 PM PST on April 4 I gave my best man a fairly expensive wrist watch. (I had a small ceremony, so there were no groomsmen.) posted by crunchland at 4:14 PM PST on April 4 Weird. I've posted this twice in one day: took them all out for a barbershop shave before the wedding. posted by turbodog at 4:23 PM PST on April 4 My wife and I got married in Mexico in Spring 2003. Since we knew we were having a Mexican-themed reception later that summer for all the family and friends who couldn't make it to Mexico with us, we decided to bring back 200 shot glasses as wedding favours. (You can imagine the looks we got at the gift shop where we made our purchase! I'm sure I heard someone say "Gringo Loco" as we walked out.) Slight tangent but we had an ulterior motive to giving out shot glasses. We didn't want to "pass the boot" as some couples do to get cash donations towards a honeymoon. Instead we had our Best Man and Maid of Honour sell shots of tequila and Baja Rosa throughout the night with donations being collected in a sombrero. We made a few pesos from this idea and were even able to go back to Mexico the following year with some of the money. As for groomsmen gifts, everyone in our wedding party (Best Man, Maid-of-Honour, MC) plus my sister and her husband and my wife's brother got a shot glass but, to get a big laugh from the crowd, we also gave them over-sized cocktail glasses. I can't find a photo online but have seen them at Michael's Craft stores, Wal-Mart, Zeller's (Canada only) and Home Outfitters (Canada-only as well I think but there are likely similar stores wherever you are if not in Canuck-land.) posted by Jaybo at 4:37 PM PST on April 4 I found a photo of the oversized glasses we gave our wedding party. If you're not going for a serious, sombre reception (we weren't), a gift like this can be a big hit (I didn't just crop this photo for privacy reasons - these two had a pretty glazed look in the original!) posted by Jaybo at 4:59 PM PST on April 4 We got everyone in our wedding party clocks. We sought out interesting and one of a kind clocks for each person. Another great idea I've seen is artwork. I'm a photographer, and last year a couple bought two prints from my studio to give to members of their wedding party. I thought that was a very sweet gift, as long as you know everyone's taste. posted by SobaFett at 5:00 PM PST on April 4 As a groomsman I received an expensive watch. I gave it back. I stopped wearing watches in high school. The sun comes up, it goes down. At another wedding, I received a Swiss knife. Best present ever. Still have it, though I use the Squirt now as my primary knife. Love the barbershop shave comment, put me down for "events" rather than "items." Unless it's a knife! stab stab posted by user92371 at 5:02 PM PST on April 4 - A nice camera - One of those iPod thingies I hear so much about and/or a set of nice headphones (nice headphones are a great thing) - Watches and Leathermen (Leathermans?) are great ideas - An attractive CD box set (These make great gifts, I find.) - a nice bottle of wine/liquor - take 'em out for a nice fancy meal - tickets to a concert or sporting event Personally, if I were a groomsman, I'd be weirded out to receive any sort of armament, but maybe that's just me. posted by Dr. Wu at 5:04 PM PST on April 4 My brother gave out Maglite flashlights -- the big ones that take 6 D batteries. I use mine a lot and it'll last forever. posted by hydrophonic at 5:07 PM PST on April 4 We went with these , engraved with the name of each groomsman -- written as "Mr. [lastname]" instead of a first name or initials. Turned out really cool. posted by grabbingsand at 5:11 PM PST on April 4 No new ideas here, just some feedback on others' comments.... As an iPod owner, I've got to say that if I were given an iPod shuffle, I'd probably make a point of using it while working out, so I think that's not a bad idea by any means. Also, as a non-smoker, I would keep (and occasionally use, and appreciate) a Zippo lighter if I were given one. On preview, ditto the Maglite. posted by kimota at 5:51 PM PST on April 4 If you're on a lower budget, one of those little LCD flashlights. Much more useful than a maglite IMHO. posted by alms at 5:57 PM PST on April 4 My brother went to his local Harbor Freight and lugged home a half dozen shiny new 24", 10 pound Crescent wrenches. Had them engraved with name, date and stuff. Reasonable price and gag appeal. It'll come in handy if I ever get a bulldozer or tanker ship. posted by klarck at 5:59 PM PST on April 4 Of all the gifts I've been given, the one I appreciate the most is an engraved Swiss-army knife . It's been on my keychain for more than a decade now. Leathermans (the chapless kind, unless you're into that sort of thing) are cool too. posted by bonehead at 6:09 PM PST on April 4 I was a groomsman at gompa's wedding which took place in Alberta-- which, for those who don't know, is like a Canadian version of Texas. So all us groomsmen received fantastically huge silver belt buckles with our initials on them. I'm wearing mine now! So depending on where you're holding the wedding, you could tie the gift/activity into the region... much like Jaybo and his Mexican-themed tequila-filled shot glasses. Also, I was a groomsman at theinsectsarewaiting's wedding, where we all received a great big Swiss Army Knife (like user92371 ) and a leather holder. At that wedding there was also a groomswoman and she lucked out: she got the groomsman's gift (the knife) and also the bridesmaid's gift (silver bracelet.) And also: Congratulations! posted by Fuzzy Monster at 6:16 PM PST on April 4 Whoops-- sorry, bonehead . Somehow I missed your comment on preview. I didn't mean to leave you out of the "we got knives" round-up. posted by Fuzzy Monster at 6:20 PM PST on April 4 STHORDS! posted by Baby_Balrog at 6:31 PM PST on April 4 Engraved pewter steins. Tattoos. A chef's knife. A croquet set. Engraved boulles. A wooden box of silk ties. Cuban-heeled boots - spurs optional. Rod and tackle for trout fishing. A bottle of Grange. Leather jackets. A home gym. Mountain bikes. Ray-ban aviator shades. Bathrobes. A six-shooter. Flying lessons. posted by obiwanwasabi at 6:35 PM PST on April 4 There are some good suggestions here, but I'd just add a note of caution: Don't get a leatherman or a pocket knife or anything like it if any of your groomsmen is going to have to take an airplane home. Many people don't check luggage if they're only going to be gone for a short while, and you can't put things like that in your carry-on or the TSA will take them away (assuming you're in the U.S.). posted by cerebus19 at 7:04 PM PST on April 4 I bought hand carved boxes in India the month before the wedding, line them with cedar and installed hydrometers and humidifier, then ordered mixed sampler sets of cigars and filled the boxes with them. posted by beowulf573 at 8:02 PM PST on April 4 I once received a Klein bottle made of glass. Wow, I didn't know until today that it was so expensive! posted by Aknaton at 12:04 AM PST on April 5 Hip flask posted by IndigoJones at 9:46 AM PST on April 5 When I was in an outdoor wedding in sunny Southern California, the groom gave us matching sunglasses to wear during the ceremony. We looked sharp! posted by hartsell at 1:01 PM PST on April 5 Wait! I got it! Right here on the blue . posted by hydrophonic at 2:09 PM PST on April 5 « Older A relative mentioned in passin... | I'm flying to New York in the ... Newer » You are not logged in, either login or create an account to post comments MetaFilter MetaTalk Ask MetaFilter © 2000-2005 MetaFilter Network LLC All posts are © their original authors.