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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Jewelry Gifts • Gemstone

Aspen Country - Jewelry Gifts, Affordable Earrings, Chains, Necklaces, Pendants, Rings, Fine 14k Gold Jewelry & Sterling Silver Jewelry, Genuine Gemstone Jewelry Entrance Reminder Service Contents View Basket Shipping Checkout Contact Us F.A.Q. About Us Express Order Welcome to Aspen Country Aspen Country specializes in distinctive home decorations, home decor accessories, lawn and garden accents, decorative bookends and office decor, country kitchen decorations, and affordable fine art sculptures. Shop for that perfect decorative home accent piece, or browse our American Old West statues, patriotic decorations and eagle sculptures, wildlife figurines and collector's plates. And, be sure to check out our unique gift ideas. 100% Satisfaction Guaranteed! Enjoy Aspen Country! Store Directory Aspen Country Sampler Men's Home Decor & Gifts Nautical Home Decorations Decor & Gifts for Women Patio, Lawn, Garden Decor Home Decor Accessories Antique-Style Decorations Decorative Mirrors Country Clock Shop Feng Shui Oriental Decor Country Kitchen Decor Country Candle Shop Angel Sculptures & Decor Religious Gifts & Statues American Old West African Heritage Decor Dolls, Miniatures, Musicals Toys, Chess Sets, Games Medieval & Legendary Wildlife Animal Sculptures Elephant Statues & Decor Bird & Eagle Sculptures Human Figurines Decorative Photo Frames Home Office Accessories Knives, Tool Sets, Totes Fine Jewelry Gifts • Gemstone Earrings, Post Stud Earrings, Birthstone Earrings • Sterling Silver Bracelets • Lady's Rings - Gold & Silver • Pendants, Crosses, Charms • Chains & Necklaces • Lapel Pins & Fun Jewelry • Genuine Gemstone World Globe Keychains Christmas Decorations New Knickknacks & Gifts New! Gift Certificates Home Fine Jewelry Gifts *NEW!* African Amethyst Stud Post Earrings in Sterling Silver - Birthstone for February Add to Basket Add to Wish List ]-- Genuine deep purple, grape jelly color amethyst gems create these gorgeous stud earrings. Meaning "not drunken" in Greek, "amethyst" was historically worn to guard against drunkenness! 5mm round gems. Approx. ctw .80ct. Pair. Our Price: $24.95 In Stock Item: ACS-1003 *NEW!* Amethyst Stud Post Earrings in Sterling Silver - Birthstone for February Add to Basket Add to Wish List ]-- Genuine lilac amethyst gemstones with pink overtones, set in sterling silver, create lovely stud earrings. Our amethyst stones display pleochroism: light reddish-violet with gray violet flashes. 5mm round gems. ctw approx .80ct. Pair. 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Genuine blue lapis lazuli world globe, inlaid with semi-precious gem continents, is accented with continent names, silver-tone latitude and longitude lines, and red equator. Heavy silver-tone keychain is 1 1/8" x 3/16" x 4 1/8" long. Our Price: $19.95 In Stock Item: ACS-2001 *NEW!* Keychain with Genuine Gemstone World Globe - Black Onyx Add to Basket Add to Wish List ]-- Genuine black onyx world globe, inset with semi-precious gem including jade, tiger eye, obsidian, and jasper. Accented with continent names, silver-tone latitude and longitude lines, equator. Globe: 7/8" diameter. Keychain: 1 1/8" x 3/16" x 4 1/8" long. Our Price: $19.95 In Stock Item: ACS-2002 *NEW!* Mystic Fire Topaz Stud Earrings in 14k White Gold - Birthstone for November or December Add to Basket Add to Wish List ]-- Genuine mystic fire topaz gemstones in 14k white gold create beautiful, versatile stud earrings. 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Shop By Mail or Fax Order Form Shop By Phone 303.221.2010 For the newest home and garden decor trends, distinctive decorating themes, and unique gift ideas, please visit our deluxe ENTRANCE Aspen Country: Decorating Themes & Home Decor Trends Patriotic Sculptures Old West Decor Cowboy Statues Southwestern Decor Wildlife Sculptures Oriental Home Decor Feng Shui Accessories Feng Shui Garden Lawn Ornaments Garden Sculptures Garden Angels Country Kitchen Rooster Decorations Flower Vases Collector's Plates Decorative Bookends Golf Theme Decor Fishing Decorations Hunting Theme Decor Safari Motif Decor Sun Moon Stars Motif Cherub Motif Decor Elephant Sculptures Monkey Theme Decor 2004 Aspencountry.com

Valentine Gifts License this

Illustrated Clipart Image of a Valentine Gifts Welcome to... ...a complete guide to online clipart, icons, photos, scans, and web graphics. Illustrated Clipart Image of a Valentine Gifts License this image Description: Illustrated clipart image of a valentine gifts. This colored clip art illustration shows a picture of a red, heart shaped, wrapped valentines gift and a present with red ribbon tied with a bow. Image Formats: EPS JPEG WMF GIF february 14th , gift , event , events , gifts , heart box , holiday , holidays , present , presents , saint valentine's day , sweets , valentine candy , valentine day , valentine gift , valentine gifts , valentine present , valentine presents , valentines , valentines candy , valentine , clipart, clip art, picture, image, images, pictures, web graphic, web graphics SEARCH CLIPART GUIDE HOME NEW IMAGES ALL IMAGES [text list] CLIP ART DIRECTORY Animals Cartoons Computer Flowers Food Holidays Icons Logos Miscellaneous People Stock Photos Religious Science Sci-fi Sports Transportation Travel Web Graphics CLIPART CATAGORIES Animal Clipart cats dogs horses pets farm animals Business Clipart boss business men business women desks employees graphs & charts money office   secretaries worker Cartoon Clipart animals food objects people Children Clipart babies boys girls at play school Christian Clipart bibles christian holidays christian symbols churches crosses jesus Computer Clipart computer mouse hard drives keyboards monitors networks printers Dog Clipart breeds mixed breeds puppies Event Clipart birthday oktoberfest wedding Food Clipart beverages desserts fast foods fruits meals vegetables Education Clipart health safety letters numbers math music science technology Emotions Clipart angry excited happy mad sad Holiday Clipart christmas easter halloween independence day valentines day Household Clipart appliances chores objects Money Clipart currency dollars finance credit cards atm's coins cash banks Objects Clipart cleaning supplies household objects instruments tools Office Clipart briefcases calculators charts computers desks fax machines paper clips pens pencil phones printers scissors telephones People Clipart babies boys business people children elderly ethnic people girls kids men models religious people seniors women Plant Clipart trees potted plants herbs flowers Religious Clipart biblical figures christians churches commandments crosses jesus religions buildings places School Clipart books buses classrooms graduation students teachers tests Science Clipart scientists laboratories molecules atoms experiments anatomy chemistry Sports Clipart baseball soccer bowling basketball golf tennis volleyball football track and field hockey boxing Transportation Clipart airplanes bicycles boats buses cars motorcycles trains trucks Wedding Clipart wedding cakes brides grooms ceremonies husbands wives newlyweds Work Clipart working workers meetings business servicing Wildlife Clipart birds elephants lions monkeys reptiles rodents   tigers whales © 1998-2005 Fred Voetsch Publishing All Rights Reserved The Whole Internet Clipart Guide is Published by Acclaim Images 201 Crater Lake Ave Medford, OR 97504 (541)618-8723 Privacy Statement .2

Housewarming Gift Ideas Email

Housewarming Gift Ideas  You are here: About > Home & Garden > Interior Decorating Home & Garden Interior Decorating Essentials Decorating for Fall Back to School All About Decorating Kids' Rooms It's Fall Showhouse Season Dorm Decorating Ideas Articles & Resources Beginner Decor Decorating Inspiration Elements of Decor Decorating by Room Decorating Styles Decorating Solutions Do-It-Yourself Projects Organize, Clean and Move Holiday Decor and Ideas Seasonal Decor Education and Careers Building and Remodeling Using Decorative Arts Articles Forums Help FREE Newsletter Sign Up Now for the Interior Decorating newsletter! See Online Courses   Search Interior Decorating Housewarming Gift Ideas Email to a friend Printer friendly version Related Resources • Gift Sources • Housewarming Parties • More Gift Ideas for Occasions About Interior Decorating Subscribe to the Free Newsletter Your Email Address: Moving into a new home is a time that's full of possibilies. Friends, family, and neighbors often share in the excitement by taking a housewarming gift to the new homeowners. But what should you give? The answer depends partly on how well you know the recipients, and if you have insight into their personal tastes and preferences, their needs and wants. For your closest friends, housewarming gifts can be personal, humorous, and special, while for new neighbors or acquaintances you may want to make more generic gift choices. Housewarming gifts are the one type of gift that needn't always be formally gift wrapped. After all, plants, gift baskets, and other large items are difficult and unwieldy to wrap in gift paper. Instead, consider using tulle fabric or netting, clear cellophane, or even just a colorful bow to adorn your gift. Be sure to include a handwritten welcome card, and whenever possible, personally take the gift to the home and officially "warm" it with your good wishes. Whatever your gift choice, make is something appropriate for you and for the recipients. There's nothing more discouraging than to receive a huge Victorian swan planter when your entire home is black and white contemporary. It's better receive something predictible rather than something inappropriate. Here are our favorite -- and not so favorite -- gift ideas for housewarmings... The Good Give Something Classic Simple beauty never goes out of style. A silver picture frame, a cut crystal bud vase, or a beautiful clock are objects that can fit into almost any home. Make it special by buying it in your friend's favorite store, or go all out and shop at Tiffany, Neiman Marcus, or other specialty store. For an extra touch, fill the frame with a personal photo, place a rose in the bud vase, or engrave the object with the move-in date. Add to a Collection Choose an object that your friends can add to a treasured collection -- things like an antique tin, a white ironstone bowl, or a silver napkin ring are possibilities for some collectors. Then add a little something extra to the gift... perhaps a mini box of truffles inside the tin, some wonderful tea in the ironstone bowl, or a small bouquet of flowers cinched with the napkin ring. Gift Baskets Choose a theme appropriate for your recipients and have fun putting together something creative. Just choose a themed container, several appropriate pieces to place inside, and tie it all up in cellophane and a pretty bow. Use package shred or crinkled tissue to cushion the items if necessary. -- Gardening Bucket with garden tools, gloves, seeds, pruners, and gardening magazines -- Just Add Water with a vase, stem cutters, floral design book, and a big bunch of fresh flowers -- Paint Party in a Paint Tray with paint rollers, brushes, drop cloths, tape, 5 in 1 Tool -- Starter Tool Box with tape measure, hammer, screwdriver, pliers, and assorted nails -- Picture Hanging Kit with picture hangers and wire, nails, tape measure, level, and plumb line -- Dinner Kit with a casserole, plates, utensils, paper cups, and a bottle of sparkling cider -- Emergency Chocolate Kit for incurable chocoholics -- a candy tin or a basket, and a variety of chocolate candy, truffles, cookies, or freshly baked goods made of -- you guessed it -- chocolate ! Make Something Special Gif the gift of yourself by presenting something you've made. Perhaps a flavored vinegar, shaped topiary, painted welcome sign, fireplace starters, a flower arrangement or an Easy Fruit Arrangment . Toasting Flutes Add to their wedding crystal, or choose unique toasting flutes especially for the occasion. Tie the stems with pretty bows, and include a bottle of bubbly to toast your friends in their new home. Bridal Registry Newly married couples can be easy to shop for since you may still be able to choose items from their wedding registry. If the registered gifts have all been given, you can look it over for clues to their chosen color scheme and style preference, then make appropriate gift choices that will fit into their decor. Consider placemats to go with their china, an additional setting or two of everyday dishes, or an alternate choice of colored glassware. 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College Gift

Skidmore College - Gift Planning - Life Income - Donor Recognition Search | Calendar | A-Z Index Thu Sep 22 5:37 PM EDT Skidmore Home | Admissions | Current Students | Faculty & Staff | Parents & Friends | Alumni Wills and Bequests Life Income Gifts More Gift Options Breaking News To Honor Donors Bring Legacy to Life! Scribner House Contact Our Staff Gift Planning Home STANDARD MAIL 815 North Broadway Saratoga Springs, New York, 12866 GIFT PLANNING PHONE 518-580-5655 E-MAIL CONTACT Gift Planning Gift Planning To Honor Donors Josephine Young Case served as a Skidmore College trustee from 1938 to 1971. Josephine Young Case Associates are individuals who, in the spirit of this selfless Skidmore advocate, have established a deferred gift arrangement to benefit the College. Gifts qualifying for membership include bequest intentions and retained life income arrangements. Case Associates sustain a tradition of vital importance by ensuring the future growth and welfare of Skidmore College, its students and graduates. Members are invited to Skidmore to attend a reception held each year in their honor. All members receive a certificate of appreciation signed by the president of Skidmore College and a distinctive lapel pin featuring the College seal. Josephine Young Case Josephine Young Case served as a Skidmore College trustee from 1938 to 1971. From April 1964 to July 1965, she served as acting president of the College following the sudden death of Skidmore's third president, Val H. Wilson. Elected chair of the board of trustees in 1966, she served in that office until her retirement in 1971. With unswerving commitment, Mrs. Case used her philanthropic spirit and her profound leadership abilities to help nurture the growth of Skidmore into one of the nation's leading institutions of Liberal Arts learning. Josephine Young Case's foresight was evident in her oft-quoted "Charge to the Architects and Planners," written in 1961 to lend higher vision to Skidmore's plan to build a new campus, the Jonsson Campus. She wrote: One thing we do not want for our new campus and that is walls or gates. For we want the world to enter. These students would not and should not have isolation from the immediacy of current problems, however dire. Their concern will reach out far beyond the campus to others everywhere; for awareness will be a virtue of this place. Bring Legacy to Life! Philanthropy • Legacy • Security The Office of Gift Planning urges donors to consult their legal and other professional advisors when considering charitable gift giving. Our staff is always pleased to work directly with donors and their advisors during the process. Creative Thought Matters. Skidmore College · 815 North Broadway · Saratoga Springs, NY · 12866 Skidmore College Main Links ©2005 Skidmore College · Contact Information Skidmore Home | Admissions | Current Students | Faculty & Staff | Parents & Friends | Alumni