unique gifts and presents

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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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Birthday Gift Suggestions Berkeley

Berkeley Parents Network: Birthday Gift Suggestions Berkeley Parents Network Home Members Post a Msg Reviews Advice Join BPN Help/FAQ What's New Search Birthday Gift Suggestions Berkeley Parents Network Advice Birthdays Bday Gifts Birthday Gift Suggestions Gift Ideas for 3 year old Dinosaur Gifts for 4-y-o 50th Birthday Gift Birthday Gifts for Grandparents Gift Ideas for 3 year old Oct 1996 About birthday gifts for 3 year olds-- my daughter turned 3 this summer asdid four friends. I finally settled on Playschool flashlights from Toys R Usfor under $10 ($14 at Mr Mopps.) They turn white, red and green, & go off automatically after so much timehas elapsed. One family even used theirs during the summer west coast poweroutage as it was the only flashlight in the house. Good for boys & girls.Also my friend got kites for her gifts--gets kids and parents together too.Tavie At this age (and later, too) we usually give the birthday child eithera jigsaw puzzle or a couple of books. If you look around you can findsome good puzzles in the $5-$8 range, and a couple of picture books,soft cover, will be about the same. That way you don't get into issuesover guns, barbie dolls, etc. Of course, if you know the kid personallyyourself, and know they have a particular interest in collecting bugsor some such thing, then you can look for something along those lines.Dianna To Karen - shopping for a 3 year old girl's B-day party - I often askthe parents when I RSVP to the party if their child has any particularinterests (or aversions), and that prevents buying weapons or Barbie dollsfor families that forbid that type of thing. Having a 7 year old and a 4year old, I am now at the point where I let them choose the gift within acertain price range if they know the child and have an opinion. When indoubt - art supplies are always good - for 3 year olds, play dough or newcrayons, a pack of construction paper, or that type of thing is alwaysappreciated. ToysRUs actually has some good art sets with crayons, pencils,etc. for under $15. Price wise, I try to stay between $10 and $15 unlessthe child is a family friend. Hope this helps. It gets worse as they getolder, as they get invited to more and more parties. I'm hoping with myolder one to have a small slumber party this year and limit the number ofkids and the expectation of a huge haul of toys. Good luck!Helen I am a mother of a 5 year old boy and a 7 year old girl. I have beenfaced with many birthday gifts so far and have come up with thefollowing suggestions. The simplest way to chose a gift for a child is to ask the parentswhat the child likes. The parents are usually appreciative of yourthoughtfulness and always have an idea or two. A general price rangeof $10 to $15 is safe, more than that is unnecessary. If you have aboy of the same age, ask yourself which toys does he like that a girlmight like too. You would be surprised by how many things would workas a gift for both girls and boys.Sharon Home | Reviews | Advice | Members | Post a Message Join BPN | Help | What's New | Search Please send questions and comments to Berkeley Parents Network . Last updated: Mar 27, 2004 © 1996-2005 Berkeley Parents Network The opinions and statements expressed on this website are those of parents who subscribe to the Berkeley Parents Network . Please see our Disclaimer for details.

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.

Valentine Gift Our Teddy

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Link to Us Gift Occasions: - Baby Shower Gifts - Birthday Gift Ideas - Easter Gifts - Family Gifts - Fathers Day Gifts - Gag Gifts - Get Well Gifts - Graduation Gifts - Holiday Gifts - Long Distance Gifts - Mothers Day Gifts - Pet Gifts - Romantic Gifts - St Patricks Day Gifts - Teacher Gifts - Teddy Bear Gifts - Thank You Gifts - Valentines Day Gifts - Stuffed Animal Gifts Teddy Bear, Birthday, Get Well, Mothers Day Gifts Mom, Valentines Gift Ideas Free Ecards -- Valentine's Day Gifts and Valentine's Day Gift Ideas Shmooz 6" Bull Regular Price: $19.95 Sale Price: $15.95 Pretty in Pink 16" Bear Regular Price: $39.95 Sale Price: $36.95 Snowflake Cubby 13" Regular Price: $37.95 Sale Price: $32.95 Romeo 16" Bear Regular Price: $47.95 Sale Price: $42.95 Sunshine 16" Bear Regular Price: $39.95 Sale Price: $36.95 Buttercup 11" Bear Regular Price: $27.95 Sale Price: $22.95 Golden Romeo 16" Bear Regular Price: $47.95 Sale Price: $42.95 Muskie 13" Moose Regular Price: $39.95 Sale Price: $34.95 Personalized Valentine's Day Gifts Need some ideas for the perfect Valentine's Day gift for your sweetheart? 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