college gift-giving The best













The Basics -- 5 cardinal rules of college gift-giving - MSN Money 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 Save for College Go to Step by Step A R T I C L E S Understanding the true cost of college Strategies to meet your college savings goal How to set up your child's college fund Small investments that yield big education dollars 5 cardinal rules of college gift-giving The best way to save for college An investment plan tied to yourchild's age Tax-savvy ways to fund college education Advertisement The Basics 5 cardinal rules of college gift-giving There are many ways, such as gifts and trusts, to help your family financially. But you should know the rules to protect yourself and your loved ones. By Adriane G. Berg Rule No. 1: Decide if you really want to make a gift There are consequences associated with gift giving, so think about what youre trying to accomplish. Dont transfer ownership and control over money without intending to do so. Once a name is changed on a deed, bank account or security, you have relinquished ownership of that asset. Even if you have placed the assets in a joint account, a creditor, spouse or other person named in the account can seize all of the money. Be careful. If you need help in handling money use a power of attorney, don't make a gift. Dont use custodial accounts if you think you'll need the money. The most frequently used form of gifts to grandchildren is the Uniform Gifts to Minors Account, the UGMA, or the similar Uniform Transfers to Minors Account, or UTMA. Although the assets are held in custody until the child reaches adulthood, the money belongs to the child. You cant take it back and the child gets the money at ages 18 or 21, depending on the child's state of residence. Make sure the gift is complete. For example, a deed with two names "in common" sets up only a half ownership. If one person dies, the other person does not necessarily inherit the remainder. Placing a grandchild's name on a deed beside your own does not guarantee that the child inherits the house. The child gets half ownership; the rest is distributed according to the law of intestacy for that individual state. Rule No. 2: Know how to title the gift The title on a bank account, stock, bond or deed creates wide differences in legal rights. A joint account transfers funds completely. Creditors, spouses and gift recipients can get all of it. Accounts that are Payable on Death (POD), and In Trust for Accounts (Totten Trusts) are not gifts. They are revocable transfers that pass without probate upon the death of the donor. Custodial accounts, such as UGMAs and UTMAs, transfer property irrevocably and with no strings attached. The custodian manages the account, and funds can be added to it. All of these types of accounts are considered the child's when it comes to determining eligibility for college aid, except POD and Totten Trusts. A true trust sets up a legal structure that the Internal Revenue Service taxes separately from yours or the recipients income. When a person receives funds from the trust, that person then pays the taxes on those funds. Trusts offer a great deal of flexibility. You can put restrictions on gifts held in trust. For example, there can be investment limitations or you can say the funds can be used to pay only for a grandchilds college, or that the funds can only be distributed after he or she reaches a certain age or once theyre married. Rule No. 3: Understand the tax consequences of a gift A child under the age of 14 is taxed on investment gains at his or her parents' highest marginal tax bracket. The so-called "kiddie tax is imposed to discourage transfers as a way to lower your tax bill. However, children under 14 get an exemption from taxation of investment gains of up to $1,400 a year. The bottom line: If income tax savings is your goal, transfer just enough to generate no more than $1,400 in returns each year. When the child reaches the age of 14, transfer more, unless the gift disqualifies the child for college aid. The donor is taxed for gifts. Be sure you follow the rules to get a gift tax exemption: You can transfer up to $11,000 per person each year without the recipient paying a tax or even reporting it on a tax return. Married couples can transfer up to $22,000 per beneficiary gift tax-free. If college is upon you, you can give an unlimited amount of money and pay no taxes if the gift is earmarked directly for tuition or other college fees (although not room and board). You can also pay the medical expenses of a beneficiary in unlimited amounts, if payments are made directly to the medical institution. If you must pay a gift tax, file on the April 15th after the year the gift was given. Gifts over the $11,000 to $22,000 rule are subject to a gift tax based on their fair market value at the time the gift was made. The usual procedure is to file a gift tax return and use all or a portion of the lifetime $1 million exclusion that we each get for gifts and inheritance. (The exclusion bumps up to $1.5 million in 2004, $2 million in 2006 and $3.5 million in 2009. In 2010, the gift and estate tax are to be repealed. The Republican-controlled Congress may try to accelerate these changes.) Rule No. 4: Know the best strategy to maximize the gift. Will you give now or later? If college planning is the goal, you may want to start immediately. Be sure that you don't use property that qualifies under the stepped-up basis rule. Known as SUB, it allows property such as your home to be appraised at its fair market value upon your death, rather than what you paid for it 20 years ago. So, if you have some highly appreciated property and transfer it during your lifetime, your family will end up paying more in taxes. You are depriving the family of this handsome tax benefit. If you need to give money right away, liquidate non-appreciated property or get rid of your losers. Or you can keep the asset in your name and take a loan against it to make the gift. Will you give outright or in trust? The 2503 C trust, sometimes called the child's trust, allows you to hold the gift in trust until the child reaches age 21, and get the $10,000 gift tax exclusion. If the child dies before reaching that age, the money goes into his or her estate. The money cannot be used to discharge a legal obligation of the donor. College is not a legal obligation. Interestingly, if the grantor/grandparent reserves the right to get income from the trust, the IRS considers the grandparent the owner for tax purposes. In that case, the gains are taxed in their bracket. Family limited partnerships have been around since 1910, and have enjoyed a recent resurgence. If you like the idea of a trust, but want to control the money and investments yourself, consider transferring the gift to a partnership. You act as general partner and the children or grandchildren are limited partners and recipients. Their tax bracket is applied to gains, and you can distribute the funds when needed for college or other purposes. The gift is out of your estate and even better, the gift is subject to IRS gift tax discount tables. In that way, you can transfer more than $1 million free of estate and gift taxes over the next few years. Rule No. 5: Understand the family impact of your decision Although the rules of gifting are technical, the act of giving can be very emotional. Giving a gift to one family member in need may anger another family member, even if that person is financially affluent. A few devices can help smooth family tensions, or at least stave off future legal battles. The advancement clause in a will asserts that gifts given during your lifetime are an advance against a future inheritance. This allows you to give, or advance money to one relative today, and have your executor "even out the score," after you are gone. For example, if you give Grandson John $10,000 for tuition and give Granddaughter Sally nothing, you can still leave the two of them a total of $50,000 in your will. But since John already received $10,000, he gets only $15,000 upon your death and Sally gets $25,000. What if you intend to favor one family member over another? You can forestall a legal fray with the "in terrorum clause." That clause asserts that in the event that one relative is disgruntled, any attempt to attack the will or trust results in a forfeiture of inheritance rights. Few heirs fight for the principle of the thing. Resources Read/Post comments on the Your Money message board Find a problem in this article? Send us e-mail Free Newsletters! Search MSN Money tips © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help



Groomsmen Gifts Articles Party

Creative Groomsmen Gifts - Gifts BW gifts | gifts Resources | Add URL Wine Gifts & Baskets From the casual wine drinker to the serious enthusiast, we have a gift that will make them smile. Our selection includes premium wine, gourmet baskets, distinctive champagne sets & the very finest California and Northwest wines. Creative Groomsmen Gifts Articles Party Goods and Decorations Suppliers of party goods and decorating suppliers such as streamers, plates, hats, cups, theme party packages and more. Also party favors....( Continue Reading ) Site Map for the about.com guide to weddings [A site map to everything you wanted to know about weddings - from engagement rings to wedding dresses to thank-you notes for wedding gifts.]...( Continue Reading ) Who Pays for What? A Guide to Figuring Out Who Will Pay for What at Your Wedding You have a dream wedding planned in your mind, but do you know who?s going to pay for what at the wedding? Traditionally, the bride?s family would pick up the tab but with the average cost of a wedding skyrocketing, and more couples getting married...( Continue Reading ) Arts and Crafts for Sale, Quilting, Jewelry, Painting, Everything Handmade See tons of handmade crafts for sale on this frequently updated page!...( Continue Reading ) Creative Groomsmen Gifts Directory Links christian gifts for children graduation gifts law school best electronic gifts nautical gifts irish gifts unique wedding gifts ideas gifts for a new mom recipes for gifts in a jar ideas for homemade christmas gifts teacher thank you gifts wholesale garden gifts white house gifts gifts for music lovers good valentine gifts gifts to us hallmark cards and gifts good gifts for girlfriend gift baskets dallas cute valentine gifts gifts for 30th anniversary cotton anniversary gifts siamese cat gifts belated birthday gifts male birthday gifts spiritual gifts survey valentine gift baskets send gifts to uk gift baskets california baby birthday gifts perfect wedding gifts christmas gifts for children gifts for babies pa gift baskets best gifts for men carol wright gifts good anniversary gifts travel gifts inexpensive gifts corporate matching gifts inexpensive christmas gifts sentimental gifts for men wholesale gifts e gifts horse racing gifts cellini fine gifts Popular Search Terms: Gifts BW © 2004 Gifts BW All trademarks are the property of their respective owners. All Rights Reserved. This site is not related to Brajeshwar or Brajeshwar.com in anyway, shape or form



Birthday Presents 9/6/04 Riverfest

Hated Birthday Presents Create a Journal | Hometown Main | Search | Help Hestia Homeschool for Young Wild Women Back to Journal View Archives Alert Me as Entries are Posted < Riverfest Monday, September 6, 2004 Viva La Vulva > Monday, September 6, 2004 September 2004 9/28/04 We're going Camping! 9/28/04 Note from Evonne 9/27/04 Sunwatch Village 9/27/04 Homeschoolers for Bush 9/27/04 Tabitha and a friend at our Girl Scout Overnight 9/27/04 Pictures of us from Tall Stacks Riverboat Festival 9/27/04 Mandy and Hannah Picture 9/27/04 Ice Age Unit study 9/27/04 Sex Ed: Sex Toys 9/26/04 Just About Fish Tour and Craft 9/26/04 Bereaved Mother questioned by Federal Agents 9/26/04 Daily Buzzword : Hubbub 9/26/04 cat diary 9/26/04 Marketing Christianity Index 9/26/04 loving thought about God 9/26/04 Saturday Six 9/26/04 Cincinnati Art Museum tours 9/26/04 What mystical creature are you? 9/26/04 Iraq 9/25/04 Notebooking 9/25/04 Yom Kippur confession 9/25/04 Mandy and Red Finger Nail Polish "Blood" 9/25/04 web ring reject 9/25/04 Vulva of the Day: Stuffed Tampon Dolls 9/25/04 Marketing Christianity: Boy Scout Jesus 9/24/04 Can you read this? I could..(Thanks Pam) 9/24/04 wedding prayer 9/24/04 Marketing Christianity: movie parodies 9/24/04 Drunk Driving does not apply to horses 9/23/04 Characteristics of a psychopath/serial killer 9/23/04 Marketing Jesus: The 12 gnome apostles? 9/23/04 Egg in a Bottle experiment 9/23/04 Update from Rachel's journal 9/23/04 The Village 9/23/04 The Doe Boy 9/23/04 The Donner Party by Ric Burns 9/22/04 Copying pictures from email??? from a disc?? 9/22/04 Jeffery Dahmer Action Figures 9/22/04 Naked Yoga 9/22/04 rescued mousie 9/22/04 Cincinnati Ballet & behind the scenes tour 9/22/04 mobile phone that detects bad breath 9/22/04 Lord of the Rings Party 9/22/04 Hildalgo 9/22/04 FlyLady More Time for Moms Calendar 9/22/04 Altered Book Club tomorrow 9/21/04 Cinderella's pinkies 9/21/04 death of a giant Grandfather tree 9/21/04 careers vs. family 9/21/04 "real School" 9/21/04 Sweet note from Suellen 9/21/04 Homeschoolers and Bush 9/20/04 Introduction to Hestia Homeschool 9/20/04 What is your inner color? 9/20/04 Halloween garland 9/20/04 Ahimsa 9/20/04 horse slaughter 9/20/04 The Illusion of life Marionette show 9/20/04 Vulva of the day 9/19/04 Gerbils, Gerbils, Gerbils 9/19/04 bin Somebody 9/19/04 Cincinnati Symphony Orchestra Young People's concerts 9/19/04 20,000 9/19/04 Homeschool Girl Scout schedule for the year 9/19/04 Wild Horses of Mongolia Race Game 9/19/04 Joseph Campbell 9/18/04 Meanwhile, Back at the Gerbil Ranch 9/18/04 Cincinnati Museum Center/Omnimax 9/18/04 squirrel name generator 9/18/04 Our Laird needs your prayers 9/18/04 Chimps: The Dark Side (National Geographic) 9/18/04 Hallmark Hall of Fame: The Runaway 9/17/04 International Talk Like a Pirate Day 9/17/04 Cheese Day oompah song 9/17/04 Peter Pan Ballet 9/17/04 homeschooling heaven 9/17/04 suicidal Steven 9/17/04 Blank books 9/17/04 grieving the war 9/17/04 Elephant Day 9/16/04 Birding club 9/16/04 Salsa Dancing at the York Street Cafe 9/16/04 American Kennel Club dog posters 9/15/04 Birds of a Feather video 9/15/04 Best Educational Websites 9/15/04 Dick Cheney's DUI 9/15/04 guilt free mocha slush 9/15/04 Raptor, Inc. 9/15/04 one more aikido picture 9/15/04 What kind of freaky mother are you? 9/15/04 aikido pictures 9/14/04 Rachael's visit 9/14/04 Prayer to heal the pain of infertility 9/14/04 Shiitake Mushroom Workshop 9/14/04 Creek Critters Program 9/14/04 Stuff 9/14/04 The puppet show 9/14/04 Olympic moments (thanks Pam!) 9/12/04 What I can do to help my little corner of the world 9/12/04 helping the world 9/12/04 training in Aikido 9/12/04 Other bits n'pieces 9/12/04 9-11 video reviews 9/11/04 meeting Violence with violence: surviving rape 9/11/04 September 11 9/10/04 homeschooling introduction 9/10/04 Mandy's Horse Question of the Day 9/10/04 text-stalking 9/9/04 Frisch Marionette Company 9/9/04 Quiz: are you a Passion Christian? 9/9/04 Repeated Strip Searches of Teen girls 9/9/04 Beautiful early morning sky 9/8/04 Camp Kern 9/8/04 From Rachael's Journal 9/8/04 Graeme base The Water Hole 9/8/04 documentation 9/8/04 Johnny Appleseed Song 9/8/04 Forgiveness 9/8/04 Vulva of the day: Creating Pubic Art article 9/7/04 DRAFT DEBATE on a Kentuckyhomeschool list 9/7/04 Vulva Art: Petals 9/7/04 Sexual Guru in three minutes 9/7/04 Dog Lovers will like these (from Kitty) 9/6/04 Fun Quiz 9/6/04 Japan's success due to pubic hair 9/6/04 Our Grief is not a Cry for War 9/6/04 Viva La Vulva 9/6/04 Hated Birthday Presents 9/6/04 Riverfest 9/4/04 Cyborg name generator 9/4/04 Daddy is a GOOD GIRL 9/2/04 quiet day...review of The Passion 9/1/04 Spider hunting 9/1/04 INTERNET resource: chart jungle 9/1/04 Protect National Forests 9/1/04 Pagan Prayer for Protection of the Home & update on Shelly-belly 9/1/04 Shelby's oral surgery 9/1/04 LOCAL RESOURCE: Astronomy fair 8/31/04 Shelby's surgery « September 2004 Archive Monday, September 6, 2004 4:28:00 AM EDT Feeling Happy Hated Birthday Presents Scented Candles Top Hated B-Day Gift List United Press International Scented candles and cheap cologne top the list of Americans' most-hated birthday gifts, study results by Florida-based Star Stories show. Third in the list of most-hated birthday presents is bath salts, followed by decorative plates and tight-fitting clothing. Eight out of 10 Americans (82 percent) said it is sometimes difficult to find an ideal birthday gift for a friend or family member. While the average U.S. family spends $750 per year on birthday presents, half of all birthday gifts are never used. Americans are wasting millions of dollars buying unsuitable birthday gifts which are never used. Even gift vouchers make you look as though you have not gone to any effort to choose an appropriate birthday gift, said Shlomo Shaul, publisher of Star Stories personalized horoscope books. "I got so many scented candles and bath oils one year, I thought my friends were trying to tell me I stunk," said one research participant. The full list is available at: www.star-stories.com I happen to LOVE scented candles, but usually only Yankee Candles, which smell GREAT. I also like bath salts. I do not wear col ogne since I am nursing. Since star stories are trying to sell a product, I am not sure how much faith to put into this story. Still, I have to wonder. Last Christmas, my MIL gave me a scented candle for my present. My SIL, who drew my name in the family exchange, gave me TWO scented candles. My husband gave me two scented candles--my only Christmas Gift from him. What does this say about me? Written by hestiahomeschool . (Link to this entry) This entry has 7 comments: ( Add your own ) Hi, I got your kind e-mail while I was also gone. I was visting my parents and had a great time. I have a lot of catching up to do. I love candles and it does not matter what a person gives me. Also I never expect a present from anyone. All I want from others is friendship. To me that is the best present given. That is why I started a journal in the first place was to meet people and make friends and I sure hope you and I can be good friends. I love your journal and writing style BTW. I will be back to catch up on your life. :) Anita http://edit.journals.aol.com/ ginskia/whatdescribesanitaasan itaasanind Comment from ginskia - 9/7/04 3:45 PM we did dirty santa last Christmas at the in laws.Everyone buys a gift and you draw #'s to pick a gift out.My sil took 3 sets of candles for 3 gifts,1 from her, the dh and her daughter- it was funny cause the men ended up with the candles and they did not want them.Even the women did not want them.I like candles but these had no smell at all- I have a feeling that they will end up being re gifts this year! : ) ~ Anita Comment from apropst1 - 9/6/04 3:05 PM Ya I like scented candels too..have you ever smelled soy candels...I just bought some and they really have a nice scent to them. Comment from sugar1337 - 9/6/04 2:02 PM 50% of people also do like their gifts, so you belong to that group! xoxo Comment from suzypwr - 9/6/04 10:01 AM I never mind gettting candles as a gift.....or perfume for that matter.......as long as it's a brand I like....hmmmmmm.....we must be in the minority Kas! ~jerseygirl Comment from cneinhorn - 9/6/04 9:18 AM I lvoe sc ented candles. I m not a yankee fan. WEll I was til I got valeri parr hills on QVC. they are hannas candles and nothing smells as good or as strong and yankees dont havethe oil of hannahs candles. I just brought some old viginia candles and they are soy and I do not like soy. gave em a try but dont like em. The only other candle I like is home interiors apple pie. I lvoe that one and just went and bought five of them!!!!!! yup five. THey burn long they burn clean and when people come in my house they say are you abking a pie and isthat an apple pie. Thats how good it smells. SO I am very picky abotu my candles. LOL Lori Comment from my78novata - 9/6/04 9:01 AM What does this say about you? Uh...they know you like to burn stuff? LOL -B Comment from ryanagi - 9/6/04 4:42 AM < Riverfest Monday, September 6, 2004 Viva La Vulva > Monday, September 6, 2004 Back to Journal View Archives Alert Me as Entries are Posted Get the Feed (Atom/RSS)



Gifts for Women Give

Every Day : Fine Living Selects : E-Gifts for Women : Fine Living « Home | Adventure | Every Day | Personal Space | Transport | Favorite Things | Practical Living -- -- -- Message Board Meet and greet, share advice, get great tips and info on fine foods, products, places, etc. Get FINE LIVING today On TELEVISION • What's On Now? • Monthly Guide • A to Z Show List • Specials Online Special Features Message Boards Inside FINE LIVING: Wine, Cocktails and Travel Picks E-Gifts for Women Give her a gift certifcate she can use online. She'll love shopping in her PJs at midnight! Hip, Hip, Humane With an online donation of any amount, they'll send a personalized greeting card in honor of your donation. Your contribution helps the Humane Society of the UInited States promote the protection of all animals. from $10 Any animal lover will be happy! http://www.hsus.org Green Feet Gift Certificate This terrific little company believes in leaving "smaller," greener environmental footprints. Specializing in high quality, natural products. Unique items made from recycled materials such as a clock made from a bicycle cog, pure and natural candles, hemp bags, recycled glass dinnerware and more! from $10 Planet friendly presents www.greenfeet.com Bath by Bettijo Gift Certificate Let her choose from handmade natural bath and body products. Made from ingredients like mango butter, sea salt, sweet almond oil. Vast selection of body scrubs, lip treats, moisturizers, soaps and more. from $15 Perfect for those who love spa-like pampering at home www.bathbybettijo.com How we make our selections Home | About Us | Questions | Advertising | Site Map | Privacy | Legal DIY | Food Network | HGTV | Shop At Home | Great American Country | HGTVPro | Living | Video On Demand Comparison Shop for Home Gifts & Patio Furniture at Shopzilla © 2005 Scripps Networks, Inc. All rights reserved.



Creative Gift Packaging (Paperback)

Amazon.com: Books: Creative Gift Packaging Your Store Books See All 31 Product Categories   Your Account | Cart | Wish List | Help Search | Browse Subjects | Bestsellers | The New York Times® Best Sellers | Magazines | Corporate Accounts | Amazon Shorts | Bargain Books | Used Books | Textbooks Search Amazon.com Books Web Search Join Amazon Prime and ship Two-Day for free and Overnight for $3.99. Already a member? Sign in . or Sign in to turn on 1-Click ordering. A9.com users save 1.57% on Amazon. Learn how . 32 used & new from $9.71 Have one to sell? Don't have one? We'll set one up for you. Share your own customer images Search inside this book Creative Gift Packaging (Paperback) by Yoko Kondo SIPs: stencil pen , unfolded shape , inner box , outer box (1 customer review) List Price: $15.00 Price: $10.20 and eligible for FREE Super Saver Shipping on orders over $25. See details You Save: $4.80 (32%) Availability: Usually ships within 24 hours. Ships from and sold by Amazon.com. Only 5 left in stock--order soon (more on the way). 32 used & new available from $9.71 Customers who bought this book also bought Gift Wrapping: Creative Ideas from Japan by Kunio Ekiguchi The Gift Wrapping Book: Over 150 Ideas for All Occasions by Caroline Birkett Creative Gift Wrapping: Unique Ideas for All Occasions (Reader's Digest) by Gill Dickinson Quick and Easy Enchanting Gifts Wrapping 149 Items by Yoshiko Hase It's a Wrap by Sally Walton Gift Wrapping by Lucy Berridge Explore Similar Items : in Books Product Details Paperback: 90 pages Publisher: Japan Publications Trading Company (March, 2001) Language: English ISBN: 4889960589 Product Dimensions: 10.1 x 7.2 x 0.3 inches Shipping Weight: 10.2 ounces. ( View shipping rates and policies ) Average Customer Review: based on 1 review. ( Write a review. ) Amazon.com Sales Rank: #152,781 in Books (Publishers and authors: improve your sales ) Inside This Book New! Concordance | Text Stats Browse Sample Pages: Front Cover | Table of Contents | Excerpt | Back Cover | Surprise Me! Search Inside This Book: Inside This Book ( learn more ) Statistically Improbable Phrases (SIPs): ( learn more ) stencil pen , unfolded shape , inner box , outer box New! Concordance | Text Stats Browse Sample Pages: Front Cover | Table of Contents | Excerpt | Back Cover | Surprise Me! Search Inside This Book: Customers who viewed this book also viewed Ribbons: Beautiful Ideas for Gifts and Home Decorations by Mary Norden Presentations : A Passion for Gift Wrapping by Carolyne Roehm Explore Similar Items : in Books Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 10 of 10 people found the following review helpful: Go to this book when fancy gift wrap bows aren't enough , December 31, 2001 Reviewer: "sfbibliophile" (San Francisco, CA USA) - See all my reviews Progress beyond mere giftwrap and create unique boxes and other containers for your gifts, be it food, clothes, jewelry, whatever. Small items and money really benefit from containers that don't immediately give away their contents like those velvet clamshells jewelry boxes or dollar shaped greeting cards do. Some of my favorite projects are: -a trangular pyramid formed by folding a triangle shaped piece of paper. -2 different colored heart shaped boxes that fit together to form a square with an 'S' curve between 2 opposite corners (think a diamond shaped yin-yang symbol). -a flower box where folded paper forms a triangular cone on the bottom and a flower design on the top (a pink and white one are in the lower middle of the cover photo). -a hexagonal box made of six individual triangular boxes. -boxes specifically for food items, many with handles. -boxes for floral items, some with handles. These are just a few of many, many projects in this book. The first section of the book contains color photos of the finished projects and the rest of the book contains the instructions (with photos,diagrams and measurements) to make them. The diagrams can be photocopied to scale a project up to a required size. AN IMPORTANT WARNING: The bulk of the projects don't contain step by step instructions. Immediately following the color photo section are step by step instructions for 5 boxes that are represenative of all of the projects in the book. A legend is given for what the thick or thin solid lines and dashed lines mean in the diagrams. All projects thereafter assume that you know to cut thick lines, but to fold thin lines like a valley withought being explicitly directed to do so. Confused? Well, if a project required you to fold a piece of paper so that it opens like a book read from left to right, you would be shown a drawing of a square or rectangle with a thin line in the middle. There would also be a black and white photo of a piece of folded paper with the folded portion on the left side. If you didn't remember that thin lines mean you fold paper to open in a 'V' shape, you would have trouble. It's crucial that you do the step by step projects and learn the legend if you haven't done origami or similar crafts. If you think you'd need more guidance, this probably isn't the book for you. If you do get the book, Enjoy! It's a real treat. Was this review helpful to you? ( Report this ) Listmania! Ultimate Gift Cards, Tags and Wrap Reference Guide : A list by J. Whitford , Giftwrapping Queen Creative Gift Wrapping : A list by sidonie-flower , love the techniques ScrapBook Stuff : A list by angelikeme , who cares Create a Listmania! list So You'd Like to... Find a Last Minute Gift? : A guide by Themis-Athena , been there and back again, too. 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