wedding gift: cash toward


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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. 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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
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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
Unique Gifts for Kiddos
Listmania! Unique Gifts for Kiddos Your Store See All 31 Product Categories   Your Account | Cart | Wish List | Help Improve Your Recommendations | Your Amazon Home | Your Profile | Learn More Search Amazon.com Books Popular Music Music Downloads Classical Music DVD VHS Apparel Yellow Pages Restaurants Movie Showtimes Toys Baby Computers Video Games Electronics Camera & Photo Software Tools & Hardware Office Products Magazines Sports & Outdoors Outdoor Living Kitchen Jewelry & Watches Beauty Gourmet Food Beta Musical Instruments Health/Personal Care Travel Cell Phones & Service Outlet Auctions zShops Everything Else Scientific Supplies Medical Supplies Indust. Supplies Automotive Home Furnishings Lifestyle Pet Toys Arts & Hobbies Web Search Listmania! Unique Gifts for Kiddos by Julia Young , poet/caregiver/earthangel E-mail this list to a friend 1. Barbie The Pink Fragrance (Misc.) Offered by: Sephora from $15.00 - $20.00 Availability: Usually ships in 1 to 2 business days 2. 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Thomas Kinkade Hometown Morning Puzzle by Ceaco (Toy) Offered by: Toys"R"Us Buy new : $9.99 Availability: Usually ships in 24 hours 15. Anne Geddes 3 in 1 Puzzle: Vegetables by Ceaco (Toy) Offered by: Toys"R"Us Buy new : $15.99 Availability: Usually ships in 24 hours 16. Anne Geddes Butterflies Puzzle by Ceaco (Toy) Offered by: Toys"R"Us Buy new : $9.99 Availability: Usually ships in 24 hours 17. Long Sleeve Artist's Apron by Alex (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $9.99 Availability: Usually ships in 24 hours 18. Baby Dance (Growing Tree) by Ann Taylor, Marjorie van Heerden (Illustrator) (Hardcover) Average Customer Review: List Price: $5.99 Buy new : $5.39 You Save : $0.60(10%) Availability: Usually ships in 24 hours Used & new from $3.20 19. Head, Shoulders, Knees, and Toes: and Other Action Rhymes by Zita Newcome (Illustrator) (Hardcover) List Price: $15.99 Buy new : $10.87 You Save : $5.12(32%) Availability: Usually ships in 24 hours Used & new from $5.99 20. Clif ZBar Baked Snack Bars for Kids, Chocolate Brownie, 6 Bars Zbar (Health and Beauty) Buy new : $3.59 Availability: Usually ships in 24 hours Used & new from $3.59 21. 10" Radio Flyer Classic Red Bike by Radio Flyer (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $49.99 Buy new : $49.90 You Save : $0.09 ( 0%) Availability: Usually ships in 24 hours Create your own list! See the Best Lists Top 100 Listmania lists Search Listmania lists More about Julia Young Related Listmania! Add your list Special Gifts for Special Girls : A list by Becky King, mom and childcare specialist Good Stuff for Kids : A list by salt_water_taffy, I am a kid. Compelling Fiction for Adults and Kids : A list by J. Vincent Paul, writer and editor Fun Kids Reads : A list by Melinda, school counselor Add your list Related So You'd Like to... Create a guide Discover Fairy Recommended Arts & Crafts : A guide by J. H. Sweet, author of The Fairy Chronicles HAVE AWESOME READING ADVENTURES : A guide by Betty Dravis, author of The Toonies Invade Silicon Valley ENTER ANOTHER DIMENSION : A guide by Betty Dravis, DREAM WEAVER, author of THE TOONIES INVADE SILICON VALLEY GET THE BEST BOOKS FOR YOUR KIDS : A guide by Betty Dravis, Author of "The Toonies Invade Silicon Valley" MEET SOME NEW IMAGINARY FRIENDS WHO ARE LOTS OF FUN : A guide by Betty Dravis, DREAM WEAVER READ TO THE KIDS WHILE DAD READS "VELOCITY" : A guide by Betty Dravis, ANOTHER DREAM WEAVER SEND THE KIDS TO THEIR ROOMS WITH GOOD BOOKS : A guide by Betty Dravis, AUTHOR'S AUTHOR ... SEND THE KIDS TO BED WITH A GOOD BOOK : A guide by Betty Dravis, THE TOONIES AUTHOR Create a guide Where's My Stuff? Track your recent orders . 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birthday present! A guide
Amazon.com: So You'd Like to... Buy me a birthday present! Your Store See All 31 Product Categories   Your Account | Cart | Wish List | Help Improve Your Recommendations | Your Amazon Home | Your Profile | Learn More Search Amazon.com Books Popular Music Music Downloads Classical Music DVD VHS Apparel Yellow Pages Restaurants Movie Showtimes Toys Baby Computers Video Games Electronics Camera & Photo Software Tools & Hardware Office Products Magazines Sports & Outdoors Outdoor Living Kitchen Jewelry & Watches Beauty Gourmet Food Beta Musical Instruments Health/Personal Care Travel Cell Phones & Service Outlet Auctions zShops Everything Else Scientific Supplies Medical Supplies Indust. Supplies Automotive Home Furnishings Lifestyle Pet Toys Arts & Hobbies Web Search So you'd like to... Buy me a birthday present! A guide by James B Mcdaniel ,Very Needy Lifetime College Student E-mail this guide to a friend Dead Like Me - The Complete First Season Buy new : $37.47 Availability: Usually ships in 24 hours Smallville - The Complete Second Season Buy new : $44.99 Availability: Usually ships in 24 hours Survivor - The Complete First Season Buy new : $29.99 Availability: Usually ships in 24 hours See all products As summer fades and, in parts of the country other than where I live, temperatures begin to drop, the nations collective consciousness inevitably turns to one thing...the biggest thing to happen to America in decades...the one event that changed all of our lives forever...Thats right, you guessed it -this september we celebrate the anniversary of 9-25, the day the world was graced with the presence of myself, James McDaniel. I am sure many of you are wondering just what you can do to observe this most hallowed of occasions. A nice card, a kind word, and a warm smile are all things that would be much appreciated...BY SPINELESS LIBERAL KERRY SUPPORTERS! As for me, I am in need of goods and services! What do you get the guy that knows everything you may wonder? Well here is a loose (read: very specific) list of the things I most wish for this holiday (9-25 - Xmas) season. While I am not as big a fan of television as I used to be, my very favorite show right now is DEAD LIKE ME. It is very hard for me to catch it as it comes on showtime (which I do not get). The first season 'Dead Like Me - The Complete First Season' just came out on DVD and I am dying to get it, though it is pretty hard to find in actual stores. Two others I would like to have are Smallville: season 2 'Smallville - The Complete Second Season' and the first season of SURVIVOR 'Survivor - The Complete First Season' Everyone knows I am a huge music fan, and here are some albums that I would gnaw through a dirty sock to get my hands on! 'Impossible Dream' 'Identity Crisis' 'Revenge of the O.C. Supertones' 'Achilles Heel' 'Unearthed' 'American III: Solitary Man' 'Unchained' 'American Recordings' 'The Fashion Focus' Now we come to my absolute favorite catagory! BOOKS! These four books are absolute must haves! I dont know when I will get them, but I will someday! They are HARDCOVER editions of the first four books in Stephen King's DARK TOWER series. I have these books in softcover trade paperbacks but desperately want the hardcovers as they have added bonuses such as artwork etc that the softcovers do not. Dark Tower I: The Gunslinger 'The Gunslinger (The Dark Tower, Book 1)' Dark Tower II: The Drawing of the Three 'The Drawing of the Three (The Dark Tower, Book 2)' Dark Tower III: The Waste Lands 'The Waste Lands (The Dark Tower, Book 3)' Dark Tower IV: Wizard and Glass 'Wizard and Glass (The Dark Tower, Book 4)' Other than these I would love subscriptions to Entertainment Weekly or COnsumer Reports! Products mentioned include: 1. Dead Like Me - The Complete First Season DVD ~ Ellen Muth Average Customer Rating: List Price: $49.96 Buy new : $37.47 You Save : $12.49(25%) Availability: Usually ships in 24 hours Used & new from $29.00 2. Smallville - The Complete Second Season DVD ~ Tom Welling Average Customer Rating: List Price: $59.98 Buy new : $44.99 You Save : $14.99(25%) Availability: Usually ships in 24 hours Used & new from $33.99 3. Survivor - The Complete First Season DVD ~ Jeff Probst Average Customer Rating: List Price: $49.99 Buy new : $29.99 You Save : $20.00(40%) Availability: Usually ships in 24 hours Used & new from $24.95 4. Impossible Dream ~ Patty Griffin Average Customer Rating: List Price: $18.98 Buy new : $13.99 You Save : $4.99(26%) Availability: Usually ships in 24 hours Used & new from $13.23 5. Identity Crisis ~ Shelby Lynne Average Customer Rating: List Price: $18.98 Buy new : $18.98 Availability: Usually ships in 24 hours Used & new from $5.97 Club price : $9.99 6. Revenge of the O.C. Supertones [Enhanced] ~ The O.C. Supertones Average Customer Rating: List Price: $17.98 Buy new : $17.98 Availability: Usually ships in 24 hours Used & new from $5.97 Club price : $9.99 7. Achilles Heel ~ Pedro the Lion Average Customer Rating: List Price: $13.98 Buy new : $13.98 Availability: Usually ships in 24 hours Used & new from $7.81 8. Unearthed [Box set] ~ Johnny Cash Average Customer Rating: List Price: $79.98 Buy new : $71.99 You Save : $7.99(10%) Availability: Special Order Used & new from $57.74 Club price : $57.49 9. American III: Solitary Man ~ Johnny Cash Average Customer Rating: List Price: $18.98 Buy new : $13.99 You Save : $4.99(26%) Availability: Usually ships in 24 hours Used & new from $9.98 10. Unchained ~ Johnny Cash Average Customer Rating: List Price: $17.98 Buy new : $9.99 You Save : $7.99(44%) Availability: Usually ships in 24 hours Used & new from $9.12 11. American Recordings ~ Johnny Cash Average Customer Rating: List Price: $17.98 Buy new : $13.99 You Save : $3.99(22%) Availability: Usually ships in 24 hours Used & new from $7.99 12. The Fashion Focus ~ Starflyer 59 Average Customer Rating: Availability: Usually ships in 1-2 business days Used & new from $4.92 13. The Gunslinger (The Dark Tower, Book 1) by Stephen King, Michael Whelan Average Customer Rating: List Price: $25.00 Buy new : $16.50 You Save : $8.50(34%) Availability: Usually ships in 2 to 3 weeks Used & new from $9.49 14. The Drawing of the Three (The Dark Tower, Book 2) by Stephen King, Phil Hale Average Customer Rating: List Price: $35.00 Buy new : $23.10 You Save : $11.90(34%) Availability: Usually ships in 24 hours Used & new from $11.50 15. The Waste Lands (The Dark Tower, Book 3) by Stephen King, Stephen King Average Customer Rating: List Price: $35.00 Buy new : $23.10 You Save : $11.90(34%) Availability: Usually ships in 24 hours Used & new from $8.19 16. Wizard and Glass (The Dark Tower, Book 4) by Stephen King Average Customer Rating: List Price: $40.00 Buy new : $26.40 You Save : $13.60(34%) Availability: Usually ships in 24 hours Used & new from $13.30 Create your own guide! See the Best Guides Top 100 So You'd Like to... guides Search So You'd Like to... guides More about James B Mcdaniel Add to Favorite People Related So You'd Like to... Create a guide Explore the Deeper Nuances of The Dark Tower : A guide by mirable, librarian and Dark Tower Fan Read the Gunslinger Books in Order of Rockin-ness : A guide by Colin "The Ninja Guy", Saw "The Good, the Bad and the Ugly"? become a Dark Tower junkie : A guide by David Piwinski, Student (and Constant Reader) Learn About Stephen King : A guide by Rocky Wood, Stephen King Expert Experience the best books, manga, anime : A guide by animedude18, wicked artist Get ultimate action, anime, manga, books : A guide by whitelephant, everything anime and manga know what the Dark Tower is all about? : A guide by Eric, Dark Tower Junkie Create a guide Related Listmania! Add your list Stephen King's DARK TOWER: an essential reading list A list by Austin Lacher, life-long exegesist and SK fan "Dark Tower" Books to Read A list by Jim A. Koclanis, A Stephen King Fan All the Dark Tower Book So Far A list by touchofike, College student Add your list Where's My Stuff? Track your recent orders . 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