Birthday Present 08.30.2005 @

Last Call for Opera’s Birthday Present (Internet) Gnomedex | Mobile | Network | eBooks | Shop | Domains | Arcade | Sponsor | Download | Help | Join | MP3s | Home E-mail Newsletters! Windows Fanatics Linux Fanatics OS X Fanatics IT Professionals Web Developers Problem Solvers Tech News Watch RSS & Atom Tips Hot Downloads Exclusive Focus Bargain Hunter DVD Deal Center Technobabble Game Invasion Hardware Help Media Center Mobile Lifestyle Net Patrol Search Engineer Political Geeks New Downloads » New York Times Discount » Acoustica CD/DVD Label Maker » Ocean Diver » Advanced System Optimizer v2 » Call Soft Pro » Fiber Twig 2 » WinXMedia DVD MPEG/AVI/Audio Converter » ESQuotes - Real time stock quotes » Huelix ScreenPlay Screen Recorder » WebCab Bonds for Delphi » Web Log Mixer » WebCab Bonds for .NET CrispAds Last Call for Opera’s Birthday Present 08.30.2005 @ 04:35 PM PT | Alice Hill | Comment | Send to Friends | Discuss Today, Tuesday August 30, 2005, Opera Software is celebrating its 10th birthday, by offering you an ad-free version of its browser. The ad-free version usually costs 39 US Dollars. So if you download the Opera browser at Cnet’s download.com, and send an email to registerme@opera.com to obtain a registration code, this offer is valid from 12 a.m. Tuesday, August 30 to 12 a.m. Wednesday, August 31 2005 (PDT). John’s 2 cents worth:Now you are probably saying to yourself, “Self, I have FireFox, and IE why do I need Opera?” Some features promoted by Opera are the ability to control your browser with your voice, support for Scalable Vector Graphics (SVG), and tabbed browsing. Just to name a few. If that’s not enough for you, why not download it and try Opera. It’s not like it is costing you anything today. More About Opera’s birthday Lockergnome's Tech News Watch VoIP On Mobile Phones? Update your Sony PSP to firmware version 2.0! Early Movie DVD Releases; MPA Gets Warrant for All of City Last Call for Opera's Birthday Present T-Mobile Provides Free Wifi to Katrina's Victims NeXFit Video Game Exercise Bikes Exclusive: Interview With The Heliodisplay Inventor Fingerprint Biometric Lock Indentured Servitude? Blogger / Blogmaster needed at EarthLink! Opera Giving Away Registration Codes Dell Won't Recall Defective Motherboards Personal Streaming Radio Plays Only What You Really Like Outsourced bank agency commits credit card fraud Robin Good's New Media Picks of the Week Restoring the PSP Folder on Sony PSP Unit Cell Phones to Get Ring-back Advertising While video rental stores fight, the industry moves on Wakamaru Robot House Sits for You Duck Hunt + Doom = Duck Doom Ideologi: Tackling the challenge of online democracy How do you pick a new credit card? Listen to your iTunes music on your Sony PSP Is Your Son a Hacker? Ten Signs to Look For Hands-On Review of OpenOffice 2.0 Backup4all is a winner Microsoft to support Linux with Virtual Server P2P Internet Television with Veoh Recent Entries from Our Other Channels » WorldTime 6 Beta » Relocating A Server Room: A Case Study » Customize Firefox's Toolbars » Robin Good's New Media Picks of the Week: n18 » How To Customize Icons And The Default Apps On Your Mac » Thunderbird Command Line URL Shell Command Injection » ExtremeTech's Weekly Podcast » Gas Price Slip, Set to Skyrocket, Again » Text to Speech for iPod » Podcasting Starter Kit » Game Boy Advance: SP Gets Upgraded Backlit Screen » GoogleNet flickers into life » Headline Analyzer » Mepe.A Instant Messenger Worm: Postcards from the Latino Edge » I-Search Reborn as SearchReturn » Google Builds An Empire To Rival Microsoft? » WinXMedia DVD MPEG/AVI/Audio Converter » Callers Marry Chris in 2006? » The "Why Outlook 2003 Sucks" Challenge For Further Consideration 5 Spot : The world's favorite spot-the-difference game! This cleverly executed game offers so much more than expected, with a friendly interface, beautiful and original images, and surprising details. The icing on the cake is that the errors are randomly selected, ensuring that it is never the same game twice. Prepare yourself to be addicted to this fantastic-looking, great-sounding, hilarious version of an all-time favorite. [Download Shareware]... [ Click Here to Download ] Windows Fanatics Linux Fanatics OS X Fanatics IT Professionals Web Developers Problem Solvers Tech News Watch RSS & Atom Tips Hot Downloads Exclusive Focus Bargain Hunter Technobabble Game Invasion Hardware Help Media Center Mobile Lifestyle Net Connections Search Engineer © 1996-2005, Lockergnome LLC. ISSN: 1095-3965. All Rights Reserved. Please read our Privacy Policy and Terms of Service . Web site hosted by the folks who bring us Lockergnome.net and Webair . Email newsletters powered by WhatCounts . Domain registered at GnomeDOMAINS . T-shirts and Screen Printing at CustomInk.

Gifts for Women --

Gifts for Women – Gifts for Her – Gifts for Girls - Unique Gifts, Personalized Gifts, Luxury Gifts - RedEnvelope -- Gifts Gifts by Recipient Gifts for Women -- Gifts for Women – Gifts for Her – Gifts for Girls -- The RedEnvelope Gifts for Her collection is your source for gifts for women and gifts for girls . Splurging on her would probably be just fine with her. So go ahead–indulge her a little. She won't mind. Shop our exquisite collection of gifts for her . For the younger ones, we have the perfect selection of gifts for girls , from pajamas to accessories to bangles that are appropriate for all ages. Regardless of her age, you can find the perfect gifts for women and gifts for girls in our extensive Gifts for Her collection. Gifts for Women – Favorites RedEnvelope Favorite Women's gifts include women's gifts and women's gift ideas for women of all ages. Gifts for Women – Flowers + Plants Send flower gifts from RedEnvelope's Flowers + Plants gift collection. Our flower gifts for women include a wide variety of flower gift baskets and monthly flowers. Gifts for Women – Garden + Outdoor RedEnvelope Garden + Outdoor gifts for women include our porch swing, our bonsai tree kit and our glass humming bird feeders. Gifts for Women – Jewelry + Accessories RedEnvelope Jewelry + Accessories gifts for her include women's jewelry and women's bracelets. Gifts for Women – Gourmet Gifts RedEnvelope gourmet gifts for women include a birthday gift basket (birthday basket) and a variety of other gift baskets for her. Gifts for Women – Bath + Body RedEnvelope Bath + Body gifts for her include bath sets, bath gift sets and bath gifts that will pamper and spoil her. Gifts for Women – Customizable Gifts RedEnvelope's Customizable Gifts collection for her is the perfect source for unique best friends gifts and gifts for girlfriends. Show them how much they mean to you! Gifts for Women – Home + Office RedEnvelope Home + Office for Her gift collection includes a variety of home gifts, home decor gifts and home garden gifts. Gifts for Women – Romantic Gifts RedEnvelope's Romantic Gifts collection for women is the perfect source for romantic gifts for her and unique romantic gifts. Show her how much you care today! Gifts for Women – Bar + Wine RedEnvelope Gifts For Women - Bar + Wine collection includes wine accessories, photo coasters, serving sets and more. -- Featured Products: lotus lantern here comes the bride chocolate lover's spa therapy antique bottle bath set mini croc cocktail shaker View our collection: baby gifts , romantic gifts , wedding gifts , gifts for her , gifts for men , birthday gifts , gifts for dad , jewelry gifts , new baby gifts , gifts for mom , affordable gifts , anniversary gifts , gifts for him , gifts for women , new baby gifts , men's accessories , wedding anniversary gifts , corporate gifts . -- Gifts by Occasion • Gifts by Recipient • Online Gifts by Shops • Corporate Gifts Last Minute Gifts • Anniversary Gift Guide • Birthflowers Gift Guide • Birthstones Gift Guide -- ©2005 RedEnvelope, Inc. All rights reserved. The RedEnvelope mark and logo are trademarks of RedEnvelope, Inc. Index .

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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Creative Gift Ideas Gift

The Body Shop: Beautiful Bride, creative gift idea, beautiful bride, bride Advanced Search | | My Account | Login | Favorites | View Cart Body Butter Lotions Creams Other Moisturizers Hand Care Foot Care Massage Spa Scrubs Sun Care Accessories Gift Ideas Bath Shower Soap Scrubs Accessories Gift Ideas Cleansers Toners Moisturizers Scrubs and Masks Treatments Lips Eye Care Make-up Removers Sun Care Accessories Palettes Lips Eyes Face Make-Up Tools Oils Aroma Jars Candles & Accessories Gift Ideas Eau de Parfum Eau de Toilette Perfume Oils Body Sprays Lotions Shower Bath Dusting Powder Lifestyle Fragrances Invent Your Scent Gift Ideas Shampoo Conditioner Treatment Styling Products Brushes Essential Oils Massage Lotions Bath & Shower Home Fragrance Peppermint Bergamot Lavender Ylang-Ylang Gift Ideas Shaving & Face Hair & Body Fragrance Accessories Massage Gift Ideas Bath Hair Brushes Hand & Foot Massage Skin Accessories Make-Up Tools Bags & Cases Support a Cause Books Gift Ideas Sign up to receive discounts and special offers. Beautiful Bride She's excited, she's exhausted, she's nearly running a small company getting this wedding afoot. Treat her top to toe (or lids to lips) with these girlie goodies. Gift comes unassembled. View Larger 21 oz. The Spirit Of Moonflower Bath Crystals 79071 Add to My Favorites List $16.00 Quantity 18.9 oz. Relaxing Lavender Salt Scrub 73389 Add to My Favorites List $24.00 Quantity Bath Pillow 81947 Add to My Favorites List $8.00 Quantity Beautiful Bride Gift Card 97178 Add to My Favorites List $0.00 Quantity 1 Medium Green Gift Bag 20629 Add to My Favorites List Temporarily Out of Stock Email Me When In Stock Find a Store Please note: this gift comes unassembled with a gift bag packed flat. If you'd like us to wrap this gift for you, please deselect the gift bag below and choose gift wrap on the cart page when checking out. Shop Gifts Gift Sets Creative Gift Ideas Gift Cards Gift Bags & Boxes Gifts by Price Gifts Under $15 Gifts $15 to $24 Gifts $25 to $40 Luxury Gifts Gifts by Recipient Gifts for Her Gifts For Him Gifts for Teens Gifts for the Hostess Creative Gift Ideas Gift Cards Gifts by Category Bath and Body Gifts Home Fragrance Gifts Fragrance Gifts Aromatherapy & Spa Gifts Other Gifts Gift Bags & Boxes Corporate Site | News | Employment Opportunities | The Body Shop Canada | The Body Shop UK | Terms & Conditions | Privacy Policy | About Us Affiliate Program | Website Feedback | Store Locator | Help | Contact Us Creative Gift Ideas Please note: this gift comes unassembled with a gift bag packed flat. If you'd like us to wrap this gift for you, please deselect the gift bag below and choose gift wrap on the cart page when checking out. © 2005 The Body Shop International plc. All Rights Reserved ™ Trademark application pending

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