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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

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Gifts for Women  You are here: About > Cities & Towns > Los Angeles > Shopping - Services > Gift Guides Gift Ideas > Gifts for Women Cities & Towns Los Angeles Essentials Compare and Review Water Parks in So Cal Photo Tours - Greater Los Angeles Area Los Angeles Day Tours - Sightseeing Fun Restaurant Reviews - Los Angeles Weather Forecasts and Maps - Los Angeles Articles & Resources Fun Things 2 Do - Day Trips City - Info Dining - Drinks - Recipes Free Hangman-Trivia QUIZZES GLBT - Gay Pride Health - Wellness - Beauty Hollywood Films-TV Hotels - Lodging Jobs - Employment People - Pets - Adults Only Pictures - Photos - WebCams Real Estate - Rent-Own Schools - Education Shopping - Services Sports-Recreation-Fitness Transportation Buyer's Guide Before You Buy Top Picks Compare and Review Water Parks in Southern California Top 10 Day Spas around Greater Los Angeles Top 10 Guidebooks for Los Angeles in Southern California Product Reviews Articles Forums Help FREE Newsletter Sign Up Now for the Los Angeles newsletter! See Online Courses   Search Los Angeles Stay up to date! Email to a friend Print this page Related Guide Picks Top 10 Gifts for Men Top 10 Gifts for Boys Top 10 Gifts for Girls Classifieds Powered by • Autos • Jobs • Classifieds • Real Estate Most Popular Hot Girls of Volleyball Photos Knott's Scary Farm Halloween Disney Hangman Game - Test Your Disney IQ Top 10 Day Spas - Greater LA Hollywood Hangman Game - See If You Know Your Hollywood Hot... What's Hot Top 25 Fit and Fat U.S. Cities Knott's Berry Farm - O County Emergency Disaster Kit Marlon Brando Trivia Quiz King Tutankhamun Photo Gallery Related Topics Las Vegas for Visitors San Diego, CA San Francisco Mexico / Central America for Visitors Spanish Language Top 10 Gifts for Women Guide Picks From Courtney Gable , Your Guide to Los Angeles . FREE Newsletter. Sign Up Now! When buying gifts for women remember they like to feel that others are thoughtful enough to take the time to select a gift that was selected just for them. The best gifts for women will enrich their lives by pampering them, making them feel sexy or assisting them in their daily lives. The list of the top 10 gifts for women fulfills one of those needs. 1) Spa Gift Certificate Women love to be pampered and the Los Angeles area has a bounty of day spas that offer everything from massages on the rooftop of a famous Beverly Hills Hotel to a natural outdoor hot springs and mud bath. Gift certificates can be used for everything from aromatic sea mineral body scrub to refreshing facials. Check out the top 10 day spas in the greater Los Angeles area. 2) Tennis Bracelet Tennis bracelets are a classic that enhance the wearer's beauty. They always make an excellent gift. Select from 8 different designs from $18 to $200. 3) Daytimer Organizer The Daytimer Organizer comes in many sizes and designs and buyers can custom create their own planner. Besides the basic calendar pages there are many add-on features such as a clear vinyl zip pouch, vinyl business card holder, hole-punched calculator/ruler, handy single-sheet paper punch and colorful blank-tabbed dividers for creating your own organizer sections. 4) Wine of the Month Club For the lover of great wine, select a 3, 6, 9 or 12-month membership. Each month a new bottle of wine will arrive in a luxurious gold presentation box. The recipient will explore the globe from France to Italy, Australia to California and the Pacific Northwest, the wine club features an exceptional mix of red, white, and sparkling wines from around the world. 5) PDA PDA's are a pocket essential to track your to do list, address book, important dates and handle lots of tasks such as calculator, calendar, e-mail, integrated MP3 player, phone book, presentations, spreadsheet and word processor. 20 selections are under $100. A hot model is the PalmOne Zire 21 which synchronizes with Outlook so you can use the stored tasks you already have. Play games and read an eBook with included software. Add-on software such an exercise log or shopping list manager. 6) MP3 Players Creative Labs has several MP3 players under $200 with internal hard drives that can store thousands of songs and several under $100 with flash memory that are great for taking along on workouts. The best bargain is the popular top rated $210 Creative Zen Touch 20GB MP3 Player with the "Touch Pad" control that navigates quickly and easily to specific artists, tracks, or playlists. It has many features including USB 2.0 connectivity for music transfer from a PC as quickly as a song per second. 7) Digital Camera There are many good digital camera models for under $100 this year. Unless you are a professional photographer you can produce great pictures from a camera that costs less than $100. To start narrowing your decision, compare megapixels and memory to see which camera meets your requirements. The higher the megapixels the better better the possible output. The higher the memory the larger the number of pictures that can be stored. 8) Personalized Necklace Fine Jewelry is always an excellent gift selection. Select from many choices from 10k gold to sterling silver necklaces personalized with name or initials. 9) Pedometer A Pedometer is a hot gift item since walking is the most popular exercise. Choose from many models that will count and track your steps walking, jogging or aerobic workouts. Find out your distance and calories burned. Some work while in a pocket and others need to be clipped onto waistband. 10) Flowers Gift Basket Flowers are a grand gift any time of year. Flowers brighten the face of the receiver and fill a room with color and fragrance. There are many options that include flower bulbs of the month, baskets of colorful flowers and live plants and trees that can be enjoyed and then planted. There are all price ranges that start at just under $20. Important product disclaimer information about this About site. Most Popular Video Movie Review: 'Broken Flowers' Movie Review: 'Four Brothers' Movie Review: 'The Dukes of Hazzard' Movie Review: 'The Aristocrats' Movie Review: 'Hustle and Flow' See other videos at About.com        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Poll: What would you do with $10 million? 1) Spend it 4) Pay bills 2) Donate 5) Save 3) Invest 6) Not sure Is New York City Safe? 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Perfect Birthday Gift Ideas Senior Mag Home Search Elder Law Elder Law Attorneys Assisted Living Senior Residence & Care Home Care & Home Healthcare Agencies Canadian Pharmacies Senior Health Free Video Library Healthy Aging Men's Health Women's Health Medical Glossaries Supplements Diabetes Cancer Personal Growth State/ Local Svcs Wisdom 'n Humor Send a Health E-Card to a Friend Computer Corner Travel Bargains Top Senior Links About Senior Mag Senior Mag Newsletter Contact Senior Mag Marketing Home Services Birthday Gift Ideas Perfect Birthday Gift Ideas Golf Gift Card - Birthday Gift Idea A birthday gift that can be redeemed at any public golf course in America. Golfers love them. www.golfguys.net Give a Book of the Month Gift Send a gift of books. 3, 6 and 12 month packages, over 15,000 hardcover titles. All come beautifully packaged in our exclusive gift box. Sure to be a gift they'll love. www.bookswithbows.com Maine Lobster Send a complete Maine lobster dinner, shipped overnight from lobsteranywhere.com. www.lobsteranywhere.com Red Lobster Looking for that perfect gift to give that seafood lover? Treat them to one of the freshest gifts there is with a gift card from Red Lobster. www.redlobster.com Send Flowers Birthday flower, rose and plant gifts. Unique gift baskets of cookies, chocolates, fruit, gourmet and candles. Hundreds of gift selections for special dates and yearly celebrations. www.flowersonly.com Cheryl & Co Celebrate the special birthday with a delicious, fresh baked gourmet cookie and dessert gift basket. Free shipping is available on many of the popular gifts. www.cherylandco.com Fine Wine - a Perfect Birthday Gift Idea The Gold Medal Wine Club delivers two award-winning wines from small California wineries every month. Custom gift packs. Discounts up to 45%. Bonus bottle offer with your first purchase. www.goldmedalwine.com Personalized Wine Custom label wine is a unique birthday gift idea. Design your own customized bottle of wine or champagne. Make a lasting impression with your birthday gift. Quick and easy ordering. www.customwinesource.com Custom Personalized Birthday Gifts Personalized gifts for friends and family of all ages. Picture frames, apparel, executive gifts, golf gifts and more all personalized free. High quality and fast shipping. www.personalizedbirthdaygifts.com Phones, Clocks, Lamps View our vast selection of great gifts, including antique, decorator and high-tech phones, fun clocks, fun lamps, replica radios and turntables. Purchase securely online. www.customphones.com Send Flowers Same-day, next-day, any day nationwide delivery on over 3,500 products, including fresh flowers, gourmet treats, teddy bears and more. Youre guaranteed to find the perfect gift. www.1800flowers.com Gift Baskets Wine Country Gift Baskets specializes in gourmet birthday gifts at affordable prices. Find online specials, sales, and beautiful food, wine and spa gift baskets for any occasion. USA only. www.winecountrygiftbaskets.com GiftSense.com Find birthday gift ideas at Gift Sense, your source for unique gifts for all occasions. Whether it's a holiday present, a gift for your sweetheart or anything else, find it here now. www.giftsense.com Gift Baskets We create gift baskets in themed boxes, for all occasions. We can custom make a gift basket for that someone special in your price range. www.joyboxes.com Adiamor Wide selection of anniversary and birthday gift ideas for your loved ones. Variety of earrings, rings, pendants and necklaces to choose from. Free shipping and 30-day money back guarantee. www.adiamor.com Send Cookies Birthday cookie baskets and boxes from Cookie Express. Made from scratch, gourmet cookies baked and shipped the same day. www.cookieexpress.net Candy Bouquet Impress them with a candy bouquet or gift basket from BriJes Candies. A sweet expression that will always leave a lasting impression. Shipped nationwide. www.brijescandies.com Gourmet Chocolates Fresh gourmet chocolate gifts sure to astound: baskets, gift boxes, seasonal packaging, and much more. All-natural Lake Champlain Chocolates, made in Vermont since 1983. Kosher. www.lakechamplainchocolates.com Gifts.com Find great gifts for anyone and every occasion. See our popular gifts, unique gifts and personalized gifts. www.gifts.com Message in a Bottle Timeless Message in a Bottle - honored to be a celebrity gift at the TV Critics Choice Awards and at the Emmy Awards hospitality suite. Timeless Message stands alone in elegance and quality. www.timelessmessage.com Deals on Flags American Flags - low shipping at Armstrongflag.com. Flags in stock. Buy online now. www.armstrongflag.com Unique and Unforgettable Ideas Imagine the surprise as they watch their own custom birthday celebration DVD. Their photos, videos, and memories set to their favorite music. The gift that no one can forget. www.reelvisions.com Send a Basket Birthday gift ideas of bath frizzer, chocolate body frosting, heart candles, a massager, CD of romantic harp music to set the mood and personal "gift certificates" for future indulgences. www.sendgiftbaskets.com Jewelry Gifts Large selection of jewelry gifts for her. Latest designs, free shipping and gift box on all orders. 100% satisfaction guaranteed. www.legendblue.com Edison-Era Old-Technology Original, operating, 1920s-era brass-trimmed electric meters are the centerpiece of these solid walnut desk lamps. www.classicmeters.com Gifts for Drummers The Internet's only Drum Gift Shop, this popular site features T-shirts, hats, ties, pins, decals, watches, clocks, posters, key chains, free stuff and a huge drum lessons database. www.drumbum.com Authentic Bullet Pen Individual handcrafted pen made from .308 and .30-06 rifle brass and bullets. Retractable or fixed models, refillable and a lifetime guarantee. A unique and inexpensive birthday gift idea. www.bulletpens.ca Hickory Farms Treat that special person to a gift from Hickory Farms. Choose from beef stick and cheese gifts, gift baskets, fresh fruit baskets, nuts, premium steaks and more. www.hickoryfarms.com Hard to shop for people Specializing in unique ideas for unusual people. 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Buy your diamonds at DiamondLand, Antwerp's world famous diamond shop and discover a special offer for lovers. www.diamondland.be Assisted Living | Home Care/Homecare | Elder Law | Canadian Pharmacy Directory Advertising Terms/Disclaimer | Email for technical support .. 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Current review "A great place to shop" Current review 3 x "Best sites of the week" Dec 2000, Oct 2001 & June 2002 "Loads of ideas" June 2000 "Website of the Week" June 2001 More reviews... Needapresent.com Ltd, Unit 12 B1, The Leathermarket, 11/13 Weston St, London, SE1 3ER Tel: 020 7407 4821 Terms & Conditions Come to Needapresent.com for funky, stylish, unusual & unique products for men, women and children. Think of all the times in the year you need to come up with presents - for a birthday, wedding, anniversary, house warming, a Valentine... there's Christmas, Mothers Day, Fathers Day, Valentines Day the list goes on and on! We offer a fast delivery service in the UK - in around 2 days - and we deliver worldwide. Bookmark us and we will take the strain out of buying presents for good. We even offer business, corporate and incentive gifts too.