College Gift

GIFT College Investing 529 Plan Welcome to The GIFT College Investing Plan, a 529 investment plan sponsored by the state of Arkansas and designed to help families meet their college savings goals. The GIFT Plan recently made some exciting changes to the program, including: Lower costs through high value Vanguard investments Ability to open and manage accounts online A new opportunity to accelerate your college savings through Upromise The GIFT Plan is recommended for Arkansas residents by Money Magazine in how to"Build an A+ College Savings Plan" article (August 2005).** State income tax deduction for Arkansas residents Federal and state income tax-deferred growth Tax-free qualified withdrawals* Investment management by The Vanguard Group Low minimum investment - open an account for as little as $50 per month Additional savings through Upromise , a free reward service Online account opening and account management Learn more... Open a GIFT College Investing Plan (or register your existing plan for online access .) Sign up for electronic deliveries of confirmations and statements. Set up a monthly automatic investing plan . Join Upromise and get free rewards for college from America's best brands. That's it! Open an account now. Open an account online Request an enrollment kit Sign up for online access Forgot your username and password? Add to your account in the GIFT College Investing Plan with Upromise Rewards — you'll get free money for college when you spend with hundreds of America's leading companies. Learn more Portfolio Prices and Performance About the Plan Enhancements College Planning Tools **Out of 63 plans reviewed, Money Magazine considered each plans tax benefits, expenses, fund choices, and investment management. There were only 14 plans recommended for state residents. *Unless extended, the federal tax benefit will expire after December 31, 2010. Earnings on non-qualified withdrawals may be subject to federal income tax and a 10% federal penalty tax, as well as state and local income taxes. The availability of tax or other benefits may be contingent on meeting other requirements For more information about The GIFT College Investing Plan call 1-800-587-7301 or click below to obtain a Program Description and Participation Agreement. Investment objectives, risks, charges, expenses and other information are included in the Program Description and Participation Agreement; read and consider it carefully before making an investment or sending money. Upromise Investments, Inc., Distributor and Underwriter. If you or the beneficiary are residents or taxpayers of another state, before you invest consider whether that state offers a 529 plan with tax or other benefits that are not available through this Plan. The GIFT College Investing Plan is a college tuition savings program sponsored by the State of Arkansas. Upromise Investments, Inc., which serves as Program Manager, has overall responsibility for the day-to-day operations of the Plan, including effecting transactions, and marketing and distributing the Plan. The Vanguard Group, Inc. serves as Investment Manager for the Plan. The Plan's portfolios, although they invest in Vanguard® mutual funds, are not mutual funds. Units of the Portfolios are municipal securities and the value of units will vary with market conditions. Investment returns are not guaranteed, and you could lose money by investing in the GIFT Plan. The GIFT Plan and The GIFT Plan logo are trademarks of the State of Arkansas. The Vanguard Group, Vanguard, and the ship logo are trademarks of The Vanguard Group. Upromise is a registered trademark of Upromise, Inc. All other marks are the exclusive property of their respective owners. Contributions to the Plan in a tax year are deductible from Arkansas state income tax, subject to recapture in subsequent years in which non-qualified withdrawals or a rollover out to another state's 529 plan is made. Contact us | Privacy Policy | Obtain Program Description | Business Continuity Plan | Security Policy ©2005 State of Arkansas, Upromise Investments, Inc. Distributor. Upromise Investments, Inc. Member NASD/SIPC

Housewarming Gift Idea A

Housewarming Gift Idea - Housewarming Gift Basket Housewarming Gift Idea - Housewarming Gift Basket Housewarming Gift Idea A Housewarming Gift Idea from Harry and David can bring a smile to the face of any new homeowner. Look no further for the perfect housewarming gif idea. Housewarming Gift Basket Our 9 star All Occasion Housewarming Gift Basket is our biggest occasion gift basket. This delightful housewarming gift basket contains fruits, nuts, candy and more. Next time you have to choose a housewarming gift idea choose the perfect housewarming gift basket from Harry and David. OCCASIONS Last Minute Gifts All Occasion Gifts Americana Anniversary Back to Campus Birthday Congratulations Get Well Housewarming New Baby Sympathy Thank You Thinking of You Wedding Gifts Halloween Thanksgiving Christmas Hanukkah New Year's Holiday Early Bird Sale You are here: Occasions > Housewarming NEW Complete Breakfast Bowl Mix up a batch of our delicious pancakes pour the batter right from the mixing bowl. Someone will say Good morning and really mean it. Thats because theyll have just woken up to this fabulous breakfast collection. Includes a 4-quart Batter Bowl with pouring spout, Pancake Mix, Cinnamon Coffee Cake Mix, Maple Butter, pure Maple Syrup, Maple Coffee and an attractive cloth liner. Net wt. 2 lbs. 12 oz. Available to ship year round. NEW Complete Breakfast Bowl Item No. 1654Z ... $ 59.95 Sign in to access your address book Send To: Recipient List Me Or: Add New Name Need Help? We'll ask for shipping info at checkout Our Guarantee : You must be delighted, or we'll make it right. Subscribe to receive special updates and exclusive offers. Services: Register Now | Customer Service | Gift Services | Gift Card | Catalog Quick Order | Same Day Delivery Gift Finder | My Giftlist™ | Order History | Catalog Request | International APO/FPO Information: Homepage | Harvest Report | Privacy Policy | Browser Requirements | Site Map | About Us Order toll free anytime 1-877-322-1200 © 2005, Harry and David. All Rights Reserved. Harry and David is a registered trademark. [4]

birthday present. Me and

My Birthday Present My Birthday Present At A Glance Author rebecca Contact rreilly12@hotmail.com When It just happened Artist andres Studio monster Location san pedro, costa rica My birthday was on April 12th, but I found that I couldn't celebrate it as I was at the time involved in "Hairspray", my high school's musical for the year. My schedule was very hectic and I found that I had forgotten my birthday, and so had my parents. And so time passed, I finished the musical, and I decided that I wanted to give myself a birthday present. Me and some other friends involved in Hairspray found ourselves with nothing to do seeing as all of our time had been spent rehearsing. Yesterday I went with my friend Erica to the mall, and we planned on seeing a movie. We looked at our options for a movie, but our options consisted of idiotic movies, such as Miss Congeniality 2 and Son of the Mask, so we wandered around the mall for a while, had a few cigarettes, and then wandered some more. We were completely bored by this time, but I had to be there until 10:30 to wait for my younger sister who was there with her friends. Suddenly, Erica mentioned the fact that she had always wanted a labret piercing, and I decided on the spot that we should go and get pierced right now, that very day and get back to the mall in time to pick up my sister. I immediately called a cab so that we couldn't back out of it. We waited for the cab and shared a cigarette to calm our nerves, as my hands were already shaking and she said that she had the butterflies. I could relate. We were sitting in the cab and I tried to decide which piercing I would get. I wanted to get a vertical labret, but I had promised another friend that we would do that together, so that was automatically out. My tragus? I had already done my inner conch, and I wasn't in the mood to take care of another thick cartilage piercing in my ear. My nipples are also on the waiting line, but I'm waiting for my best friend to come down so that he can be there. Then it struck me... I should get my nose pierced! My father would kill me. This was to be my first facial piercing and I didn't know how he would react. However, my mother would most likely scold me, but secretly like it. So I decided just to go for it. I was doing it for me. It was my birthday present to myself. We stepped into the mall and I took Erica to Monster, a small store which sells clothes as well as does piercings and tattoos. I always loved the vibe of the store. I walked up to Andres and greeted him. I told him that I would like my nose done and that Erica wanted her labret. Erica wanted to go first because she was afraid that if she saw me do it first, she would chicken out. I'm glad it turned out that way because labret piercings hurt much less than nose piercings, and I didn't want her to be afraid. This was her first major piercing. So I held her hand as he did her piercing. It was done very quickly, and I was up. I sat on a metal stool and waited for him to retrieve the sterilized jewelry. A new needle in a package was produced, as well as many other utensils, including a toothpick so he could mark me. When he did, he asked me to look in the mirror to check and see if I liked it. It looked a bit high up to me, but he was the professional so I just let it go. He took out the needle and I gripped Erica's hand. I closed my eyes, and I felt him place the needle on my nose and break the first layer of skin. "Take a deep breath, and exhale." I was sweating. It was hot in the store, but I knew that I was responsible. "Inhale, Exhale." I tightened my grasp on Erica's hand. "Now take a deep breath and hold it!" Oh no! Panic sets in. He shoved the needle through my nose and man, did it HURT! My eyes were watering and my nose was burning. Then the burning subsided and I opened my eyes. I saw that in the mirror there was a needle sticking out diagonally in my nose. It looked so incredible! But then came the part that I feared the most. I've read on BME that putting the jewelry in hurts the most. It was worse than I expected. I think that the jewelry hurt more than the actual piercing. I was on the second day of my period, so my nose wouldn't stop bleeding. Andres explained it, but I can't quite recall his reasoning. I was too happy to pay proper attention. So Erica and I paid and then went to take pictures of our fresh piercings. I'm looking forward to taking care of it and waiting for it to heal so that I can change the stud. I would have preferred a ring, but that would most definitely be out of the question, both at school and with my parents. Now that I look at it in the mirror, I wish that I had told him to move it a bit lower down, but everybody thinks that it looks good where it is. Disclaimer: The experience above was submitted by a BME reader and has not been edited. We can not guarantee that the experience is accurate, truthful, or contains valid or even safe advice. We strongly urge you to use BME and other resources to educate yourself so you can make safe informed decisions. Return to Nose / Nostril

Housewarming Gift

Housewarming Gift Basket Category Page - Love Her with Sweet Delights 12 Housewarming Gift Baskets House Warming Coffee Encounter Southern Hospitality Treat All The Meat Blessings to You Mornin Y'All Picnic in the Park Inspiration Candles Viva Italian American Pride Wheel Barrow Classic Basket Notes: The gift basket design theme shown is typical. Due to supply, demand and seasonal availability, however, advertised basket design and contents may vary with each purchase, and will be supplemented with products of equal or greater value at the sole discretion of WFGB. Specific types of goodies containing chocolate with low melting tolerances during shipping will only be included in our baskets the months of October - March. Corporate Gifts, International Shipping, Worldwide Shipping, Cookie Bouquet, Gift Baskets Warning : main(../../ad_network.php) [ function.main ]: failed to open stream: No such file or directory in c:\domains\worldfamousgiftbaskets.net\wwwroot\shopping\products\gift-basket-trailer.htm on line 10 Warning : main() [ function.include ]: Failed opening '../../ad_network.php' for inclusion (include_path='.;C:\php5\pear:../:../../:../../../:../../../../') in c:\domains\worldfamousgiftbaskets.net\wwwroot\shopping\products\gift-basket-trailer.htm on line 10 //-- General Information Only Animal Lovers Corporate Gift Baskets Romantic Ideas Housewarming New Babies Radio Flyer Wagon Extremely Unique Gourmet Foods Birthday Party Ideas Holiday Gift Baskets Wedding Party Get Well Bed Bath and Beyond Thank You Gift Baskets Sports Free Catalog Free Advertising Place our link anywhere on your home page with the anchor text: gift baskets, corporate gifts, or cookie bouquet. We will, in turn, advertise your website throughout our entire website for free. <a href="http://www.worldfamousgiftbaskets.net" title="Gift Baskets">Gift Baskets</a> <a href="http://www.worldfamousgiftbaskets.net" title="Corporate Gifts">Corporate Gifts</a> <a href="http://www.worldfamousgiftbaskets.net" title="Cookie Bouquet">Cookie Bouquet</a> Sign up here for free advertising throughout our entire website. Car show photos | Crazy Frog | Web Advertising | Hotels in Las Vegas | Internet Business Add to your website View Cart Check-out Log-in Register Customer Service Baby Presents Bath and Body Birthday Presents Christmas Holidays Corporate Office Extremely Unique Get Well Baskets Gourmet Products House warming Pets & Animals Radio Flyer Romance Saying Thank You Sports Lover Weddings Our History Our Containers Our Goodies Your Security Our Guarantee Privacy Policy Custom Gift Basket Free WFGB Catalog Shipping Link To Us Contact Us Gift Baskets Home Other Websites | Other Resources | Other Stuff | Other Sources Link To Us | About Us | Contact Us | Gift Baskets | Site Map © 2004 World Famous Gift Baskets. All Rights Reserved. 935 N. Beneva Rd Suite 609-31, Sarasota, FL 34232 USA 1 866 470 2442 Website created by Spectacular Website Productions World Famous Gift Baskets brought to you by Spectacular Stuff, LLC©

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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