housewarming gifts. There can

10 useful housewarming gifts ideas under $10 10 useful housewarming gifts ideas under $10 Here are 10 great ideas for affordable housewarming gifts. There can be no doubt that moving out of one home into another can be an extremely stressful time for anyone. Besides the obvious wear and tear associated with the physical move, there are also emotional ties to the old home to overcome and new social relationships to build in the new one. One of the best ways for new home owners or apartment dwellers to begin the process of building a new home for themselves is by giving a 'housewarming party'. Old friends and new acquaintances alike may stop by the new place for an informal get-together or a more formal tour and reception. Guests are usually expected to bring at least one gift that would be appropriate for a new house, such as decorations for the walls or a fruit basket. Some also purchase cards for the occasion, or contribute money to a special 'tree'. Whatever the level of formality, a small token of friendship is the proper thing to do. But what gift items should you consider if your budget is strained? All is not lost. Here are some practical gift ideas that should not cost over $10, and will be appreciated by new home owners everywhere. 1. Cleaning supplies and refills. At first, this may sound like a rather unimaginative gift idea, but presentation is the key. Fill a small metal bucket with sampler-sized cleaning aids and refills, then wrap the whole thing in cellophane with an appropriate ribbon and card. You might include a sponge, paper products, cutting board, Scotchguard, dish soap, hand cleanser or whatever else you can find in the cleaning aisle. You may find your best bargains at one of those 'it's all a dollar' type stores. Occasionally, you may find a small laundry basket that would be perfect for holding the other goodies. New home owners may not have had the time to unpack their own supplies, so such a cleaning care package may be the thing they need right away. 2. Kitchen gadgets. Many companies offer kitchen gadgets and aids that are reasonably priced. Salt and pepper shakers, vegetable peelers, nutcracking sets, knife sharpeners- all of these items can usually be found for under $10 in retail stores. You might also find discounted cookbooks or other kitchen-related books. Dishtowels, storage containers, casserole dishes, picnic baskets- these would all be appreciated by the house chef. You might consider baking a dozen cookies or a similar snack item and leaving the container as a gift. Decorative storage tins for dry goods can usually be found at a discount, and are very useful as well as ornamental. 3. Hooks, hangers, wires and nails. One challenge for the new home owner is to find places to rehang pictures and other objects from the old home. Some apartment dwellers may find that their new leases restrict the ways in which a picture can be hung on the wall. Instead of drilling a metal screw into the stud of a wall or pounding a nail into the drywall, they may be limited to such non-damaging methods as double-stick tape and putty. Home owners without such limitations may discover that they do not have the proper hangers for reinstallation. This could be a perfect gift opportunity if you are aware of their constraints. If you know the situation well enough to determine the proper way to go, you might consider purchasing nails, wire, hooks or hangers. Some non-intrusive hanging methods may include double-sided tape, specialized putty for picture hanging and wire stands. A good hardware store can supply you with specific ideas and supplies. 4. Gardening tools and supplies. If your friend's interests include gardening, you may want to consider getting some inexpensive gardening tools that could prove useful, such as trowels or weed removers. You could also provide assistance in a gardening-related service, like having lawn mower blades or a pair of hedge clippers sharpened. Seeds are also very inexpensive to obtain, and you could select colorful flower assortments or fruit and vegetable varieties. You could also find a book on gardening ideas or a coffee table book featuring gardens. 5. Magazines/Subscriptions. Although many magazine subscriptions will cost more than your $10 budget goal, they should pay for themselves in the long run. If you cannot afford a gift subscription to a magazine, see if there are more affordable newsletters on interesting topics. New homeowners may appreciate 'how-to' information or 'around the town' magazines geared towards newcomers. In addition, you may want to scour the local public information areas for free pamphlets that promote popular entertainment and cultural events. 6. Coupons for services. There is always a need for some sort of professional service when moving, so think ahead and collect coupons or gift certificates for places that provide such services. Dry-cleaning, locksmithing, shoe repairs, car servicing, auto detailing- all of these establishments should have at least one affordable service your friends could use. Also look into gift certificates from the best local restaurants, or a free drink at the local watering hole. 7. Personal services. If you have more time than money, you might consider offering a personal service as a 'gift'. Make out an official-looking voucher that will entitle the new homeowner to whatever service you can provide. If you can paint walls, offer your time and labor. New homeowners may also appreciate a free night of babysitting or an offer to housesit during a vacation. If you have the time and equipment, you could offer to mow their lawn or wash their car. You could also have an open-ended invitation for a home-cooked meal. 8. Host a 'movie night'. Movie rentals are relatively inexpensive, so select a movie or two and arrange a night of family fun. You might consider renting comedies that poke fun at the 'joys' of moving or buying a new home. Films such as Richard Pryor's 'Moving' or Tom Hank's 'The Money Pit' all deal with the unexpected and unpredictable aspects of buying a new home. Bring some popcorn and have some fun reliving memories of your own moving experiences. 9. Disposable cameras and film. One activity that almost every new homeowner enjoys is taking plenty of pictures. They may want to have snapshots of the old home to remember, or take pictures of the new place for relatives and friends to see. If you own a camera yourself, you could volunteer to document the party itself, or snap some pictures of the house or apartment. Disposable cameras are usually not expensive, so you could use one as a stop-gap present until your finances improve and you can afford a more expensive gift. 10. Frames and photo albums. You can never have enough picture frames or photo albums, so invest in a few as gifts. Many discount stores offer a variety of frames that will be suitable for any picture sizes. Photo albums can also be obtained fairly inexpensively, if you do some comparative shopping. Homeowners can start their own photo collections, such as 'Our First Apartment' or 'Our New Retirement Home'. You may also consider putting together a scrapbook of cherished items from the previous apartment or house, or even put together a 'gag gift' of candid shots and exaggerated comical moments associated with the moving process or any other 'disaster' that may have occurred. Create awards for 'Most Thumbs Hit by Hammers' or 'Most Likely to Need More Health Insurance'. Be creative and light-hearted when it comes to gag gifts. Written by Michael Pollick - © 2002 Pagewise You are here: Essortment Home >> People & Culture >> Holidays:Gifts >> 10 useful housewarming gifts ideas under $10 << Christmas stocking stuffers Christmas shopping lists with a budget >>

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College Gift

Covenant Bible College - Gift Acceptance Guidelines Giving to CBC | Contact Us Home The CBC Experience CBC Canada CBC Colorado CBC Ecuador Admissions Alumni Beyond CBC The Worship Center Gift Acceptance Guidelines Covenant Bible College, a not-for-profit organization organized under the laws of the State of Colorado and recognized as a charity in Canada, accepts gifts to Covenant Bible College and Covenant Bible College Foundation (hereinafter referred to as CBC) for purposes that will help CBC to further and fulfill its mission. The following policies and guidelines govern acceptance of gifts made to CBC or for the benefit of any of its programs. The mission of Covenant Bible College is to equip men and women to live as disciples of Jesus Christ. Purpose of Policies and Guidelines The Board of Directors of CBC and its staff solicit current and deferred gifts from individuals, corporations, and foundations to secure the future growth and missions of Covenant Bible College. These policies and guidelines govern the acceptance of gifts by CBC and provide guidance to prospective donors and their advisors when making gifts to CBC. The provisions of these policies shall apply to all gifts received by CBC for any of its programs or services. Use of Legal Counsel Covenant Bible College shall seek the advice of legal counsel in matters relating to acceptance of gifts when appropriate. Review by counsel is recommended for: Closely held stock transfers that are subject to restrictions or buy-sell agreements Documents naming CBC as Trustee Gifts involving contracts, such as bargain sales or other documents requiring CBC to assume an obligation Transactions with potential conflict of interest that may invoke IRS (Internal Revenue Service) or CCRA (formerly "Revenue Canada") sanctions Other instances in which the use of counsel is deemed appropriate by the Gift Acceptance Committee Conflict of Interest CBC will urge all prospective donors to seek the assistance of personal legal and financial advisors in matters relating to their gifts and the resulting tax and estate planning consequences. CBC will comply with the Model Standards of Practice for the Charitable Gift Planner promulgated by the National Committee on Planned Giving (for US gifts) and the CICA (Canadian Institute of Chartered Accountants) Handbook. Restrictions on Gifts CBC will accept unrestricted gifts, and gifts for specific programs and purposes, provided that such gifts are not inconsistent with its stated mission, purposes, and priorities. CBC will not accept gifts that are too restrictive in purpose. Gifts that are too restrictive are those that violate the terms of the corporate charter, gifts that are too difficult to administer, or gifts that are for purposes outside the mission of CBC. All final decisions on the restrictive nature of a gift, and its acceptance or refusal, shall be made by the Gift Acceptance Committee of CBC. The Gift Acceptance Committee The gift acceptance committee shall consist of the members of the CBC Foundation board. Ex-officio members shall include the Executive Director of the CBC Foundation and the President of the College. The gift acceptance committee is charged with the responsibility of reviewing all gifts made to CBC, properly screening and accepting those gifts on behalf of CBC, and making recommendations to the CBC International Board on gift acceptance issues when appropriate. Types of Gifts The following gifts are acceptable: Cash Tangible personal property Securities Real Estate Remainder interests in property Oil, gas, and mineral interests Bargain sales Life insurance Charitable Gift Annuities (US-source income; through CTC) Charitable Remainder Trusts Retirement Plan Beneficiary Designations Bequests Life Insurance Beneficiary Designations The following criteria govern the acceptance of each gift form: Cash Cash is acceptable in any form. Checks shall be made payable to Covenant Bible College or Covenant Bible College Foundation or to any CBC campus. Loose change (offerings) shall be collected and recorded according to cash handling procedures. Tangible Personal Property All other gifts of tangible personal property shall be examined in light of the following criteria: Does the property fulfill the mission of CBC? Is the property marketable? Are there any undue restrictions on the use, display, or sale of the property? Are there any carrying costs for the property? The final determination on the acceptance of other tangible property gifts shall be made by the Gift Acceptance Committee of CBC. Securities CBC can accept both publicly traded securities and closely held securities. Marketable securities may be transferred to an account maintained at one or more brokerage firms or delivered physically with the transferor's signature or stock power attached. As a general rule, all marketable securities shall be sold upon receipt unless otherwise directed by the CBC International board. In some cases, marketable securities may be restricted by applicable securities laws; in such instance the final determination on the acceptance of the restricted securities shall be made by the Gift Acceptance Committee of CBC. Closely held securities, which include not only debt and equity positions in non-publicly traded companies but also interests in LLPs and LLCs or other ownership forms, can be accepted subject to the approval of the Gift Acceptance Committee of CBC. However, gifts must be reviewed prior to acceptance to determine that a) there are no restrictions on the security thatwould prevent CBC from ultimately converting those assets to cash, b) the security is marketable, and 3) the security will not generate any undesirable tax consequences for CBC. If potential problems arise on initial review of the security, further review and recommendation by an outside professional may be sought before making a final decision on acceptance of the gift. Professionals at the Covenant Trust Company and National Covenant Properties may be consulted in these matters. The final determination on the acceptance of closely held securities shall be made by the Gift Acceptance Committee of CBC and legal counsel when necessary. Every effort will be made to sell non-marketable securities as quickly as possible. Real Estate Gifts of real estate may include developed property, undeveloped property, or gifts subject to a prior life interest. Prior to acceptance of real estate, CBC shall require an initial environmental review of the property to ensure that the property has no environmental damage. In the event that the initial inspection reveals a potential problem, CBC shall retain a qualified inspection firm to conduct an environmental audit. The cost of the environmental audit shall generally be an expense of the donor. When appropriate, a title binder shall be obtained by CBC prior to the acceptance of the real property gift. The cost of this binder shall generally be an expense of the donor. Prior to acceptance of the real property, the gift shall be approved by the Gift Acceptance Committee of CBC and by CBC's legal counsel. Criteria for acceptance of property shall include: Is the property useful for the purposes of CBC? Is the property marketable? Are there any restrictions, reservations, easements, or other limitations associated with the property? Are there carrying costs, which may include insurance, property taxes, mortgages, or notes associated with the property? Does the environmental audit reflect that the property is not damaged? Remainder Interests in Property CBC will accept a remainder interest in a personal residence, farm, or vacation property subject to the provisions of the Real Estate section above. The donor or other occupants may continue to occupy the property for the duration of the stated life. Generally, the occupant would agree to pay for the utilities supplied and the maintenance of the property during the occupancy period. CBC would be responsible for insuring the property and for taxes. At the death of the donor, CBC may use the property or reduce it to cash. Oil, Gas, and Mineral Interests CBC may accept oil and gas property interests, when appropriate. Prior to acceptance of an oil and gas interest, the gift shall be approved by the Gift Acceptance Committee, and if necessary, by the Foundation's legal counsel. Criteria for acceptance of the property shall include: Gifts of surface rights should have a value of $20,000 or greater. Gifts of oil, gas, and mineral interests should generate at least $3,000 per year in royalties or other income (as determined by the average of the three years prior to the gift). The property should not have extended liabilities or other considerations that make receipt of the gift inappropriate. A working interest is rarely accepted. A working interest may only be accepted when there is a plan to minimize potential liability and tax consequences. The property should undergo an environmental review to ensure that CBC has not current or potential exposure to environmental liability. Bargain Sales CBC will enter into a bargain sale arrangement in instances in which the bargain sale furthers the mission and purposes of CBC. All bargain sales must be reviewed and recommended by the Gift Acceptance Committee and approved by the CBC International Board of Directors. Factors used in determining the appropriateness of the transaction include: CBC must obtain an appropriate independent appraisal substantiating the value of the property. If CBC assumes debt with the property, the debt ratio must be less than 50% of the appraised market value. CBC must determine that it will use the property, or that there is a market for sale of the property allowing sale within 12 months of receipt. CBC must calculate the costs to safeguard, insure, and expense the property (including property tax, if applicable) during the holding period. Life Insurance CBC must be named as both beneficiary and irrevocable owner of an insurance policy before a life insurance policy can be recorded as a gift. The gift is valued at its interpolated terminal reserve value, or cash surrender value, upon receipt. If the donor contributes future premium payments, CBC will include the entire amount of the additional premium payment(s) as a gift in the year that payment(s) is/are made. If the donor does not elect to continue to make gifts to cover premium payments on the life insurance policy, CBC may a) continue to pay the premiums, b) convert the policy to paid up insurance, or c) surrender the policy for its current cash value. Charitable Gift Annuities CBC is not licensed to offer charitable gift annuities. Donors with US-sourced income may establish gift annuities that benefit CBC through the Covenant Trust Company. Charitable Remainder Trusts CBC may accept designation as remainder beneficiary of a charitable remainder trust with the approval of the Gift Acceptance Committee. CBC will not accept appointment as Trustee of a charitable remainder trust. Under Canadian law, a charitable remainder trust is an irrevocable trust where the capital beneficiary is the charity. Canadian tax law is different than US tax law in relation to the tax treatment of gifts of a residual interest to a charity. In both countries, the donor is considered to have made a gift of the residual interest in the trust. However, a transfer of appreciated capital property to such a trust would result in a capital gain on which the settler would be taxed in Canada, whereas no tax would be payable in the US on a transfer of long-term capital gain property. The value of the property passing to the charity on the death of a US settler would be added to the taxable estate of the US settler, but a full deduction would be allowed for estate tax purposes. This no income or estate tax is payable in connection with a transfer of an appreciated long-term capital gain property to a charity for US tax purposes. Charitable Lead Trusts CBC may accept a designation as income beneficiary of a charitable lead trust. CBC will not accept an appointment as Trustee of a charitable lead trust. Retirement Plan Beneficiary Designations Donors and supporters of CBC will be encouraged to name CBC as beneficiary of their retirement plans. Such designations will not be recorded as gifts to CBC until such time as the gift is irrevocable. When the gift is irrevocable, but is not due until a future date, the present value of that gift may be recorded at the time the gift becomes irrevocable. Bequests Donors and supporters of CBC will be encouraged to make bequests to CBC through their wills and trusts. Such bequests will not be recorded as gifts to CBC until such time as the gift is irrevocable. When the gift is irrevocable, but is not due until a future date, the present value of that gift may be recorded at the time the gift becomes irrevocable. Life Insurance Beneficiary Designations Donors and supporters of CBC will be encouraged to name CBC as beneficiary or contingent beneficiary of their life insurance policies. Such designations shall not be recorded as gifts to CBC until such time as the gift is irrevocable. When the gift is irrevocable, but is not due until a future date, the present value of that gift may be recorded at the time the gift becomes irrevocable. Miscellaneous Provisions Securing appraisals and legal fees for gifts to CBC It will be the responsibility of the donor to secure an appraisal (where required) and independent legal counsel for all gifts made to CBC. Valuation of gifts for development purposes CBC will record a gift received by CBC at its valuation for gift purposes on the date of the gift. Responsibility for IRS and Filings upon sale of gift items The Gift Acceptance Committee of CBC is responsible for filing IRS Form 8282 upon the sale or disposition of any asset sold within two years of receipt by CBC when the charitable deduction value of the item is more than $5,000. CBC must file this form within 125 days of the date of sale or disposition of the asset. Acknowledgement of all gifts made to CBC and compliance with the current IRS and CCRC requirements in acknowledgement of such gifts shall be the responsibility of the Board of Directors of CBC International. © 2005, Covenant Bible College. All Rights Reserved.