Great Gifts Galore. We

Gift shopping,gift idea,decor for your home,send ecards for free GREAT GIFTS GALORE...Great Discount Gift Shopping View Cart | Check Out | Shipping Home Contact Info Products Log In Search: Online Services Home Products Basket Shipping Promos CheckOut Contact Us F.A.Q. Express Order My Account Search Wish List Links Wholesale/Dropship Sign-up Wholesale/Dropship Login Free Birthday E-Cards and More! View a Card Delete a Card Welcome to Great Gifts Galore. We are proud to offer you great gift ideas for your online gift shopping experience.Please browse through all of the decor for your home and more or send an Ecard for free while your here.All orders are processed within 48 hours, and all merchandise is guaranteed for 30 days or your money back! Thank you for visiting our gift shop and please come again. Please Don't Forget To Bookmark Our Site CLICK HERE For Wholesale Priced Collectible Dolls,Figurines,Fashion Jewelry and More Now Available at the New Great Gifts Galore Storefront Site. Click on any of the product pictures below to view a larger image. Home 1 Pr. Rose Embossed Candles [ Buy ][ Wish List ] 33549 These pillar candles are two-tone pink and white, and embossed with roses. Rose scent. Both 3" diameter; 3" high and 5 1/4" high. Our Price: $10.47 In Stock Item: 33549 3 1/4 Seashells Round Candle [ Buy ][ Wish List ] 33546 The beauty of the ocean is captured in a sea-green candle. Real sea shells, sand, and seaweed create an attractive and unusual display. Delicate scent of ocean breezes. 3 1/2" diameter x 3 3/8" high. Our Price: $5.57 In Stock Item: 33546 3 Pc Safari Cylinder Candles [ Buy ][ Wish List ] 31126 A trio of candles swathed in animal prints, for those intrigued by the wilds of an African safari. Price per set. 3" diameter, 1 1/2" high. Our Price: $6.27 In Stock Item: 31126 3 Pc Shells Candles On Plates [ Buy ][ Wish List ] 34883 Seashell-studded candles in three unique shapes, each on its own base. 60% palm oil, 40% paraffin wax. Each 3 1/2" high. Set of 3. Our Price: $17.47 In Stock Item: 34883 3pc Safari Glass Holders W/wax [ Buy ][ Wish List ] 34066 Leopard, giraffe, and tiger patterns are displayed by these square candle cups. A great way to bring a touch of safari style to your home. 3" square x 3 1/4" high. Set of 3 Our Price: $10.47 In Stock Item: 34066 4 Pc Dry Flowers Candles Set [ Buy ][ Wish List ] 34286 Unique shapes and lovely pastel colors are offered by this set of four candles. Each is decorated with dried flowers. Matching bases included. 60% palm oil wax. 3 1/4" - 3 1/2" high. Set of 4. Our Price: $20.97 In Stock Item: 34286 4 Pc. Safari Cube Candles [ Buy ][ Wish List ] 31125 This four-pack of safari patterned candles, each unique and reminiscent of wild animals, will make a grand statement of your love of nature. 1" x 1" x 2" high. set Our Price: $9.07 In Stock Item: 31125 6 Pc Dry Flowers Taper Candles [ Buy ][ Wish List ] 33550 Long and elegant scented taper candles, in spring colors with dried flowers pressed into the base. Each candle measures 1" diameter x 10" high. Our Price: $10.47 In Stock Item: 33550 7 In. Citronella Candle/bowl [ Buy ][ Wish List ] 34603 Citronella candle in apple-design terra cotta pot. Metal stand. Outdoor use only. Burning time: approx. 10 hours. 6 3/4" x 6 3/4" x 4 3/8" high. Our Price: $6.97 In Stock Item: 34603 Alab Ivory Grapes Cndlhlder Pr [ Buy ][ Wish List ] 34121 Carved with grapevines and fruit, these ivory-finish candle holders will bring a touch of the classical world into your home. Alabastrite. Holds 3" diameter candle (not included). 5" diameter x 4 1/8" high. Our Price: $12.57 In Stock Item: 34121 Alab Pineapple Tree Cndlehldrs [ Buy ][ Wish List ] 33306 A pineapple motif is perfect for these candle holders with a taste for the tropics! Carved from alabastrite. 4 1/2" x 4 1/2" x 12 1/2" high. Our Price: $20.97 In Stock Item: 33306 Alab. Cherub Candleholder [ Buy ][ Wish List ] 34135 On these heavenly candle holders, each winged cherub holds forth a torch topped by a glass hurricane lamp. Alabastrite. Tapers only. 5 1/8" x 3 5/8" x 12" high. Pair Our Price: $17.47 In Stock Item: 34135 Amber/sil Plated Case W/wax [ Buy ][ Wish List ] 35346 Sandalwood scented candle in jar with silver-plated lid. Lead-free wick. 2 1/2" diameter x 1 1/2" high. Our Price: $5.57 In Stock Item: 35346 Bless Home Flowers Green Cndle [ Buy ][ Wish List ] 34040 A spring green candle, blooming with pressed flowers and warm sentiments. "Bless This Home" poem is inscribed. 3 3/8" diameter x 5 1/4" high. Our Price: $6.97 In Stock Item: 34040 Butterflies/flowers Scnt Candl [ Buy ][ Wish List ] 31708 Add a touch of spring to your table any time of year with this Freesia-scented, palm oil wax, butterfly-and-flower pillar candle. 3 1/4" diameter x 3 1/4" high. Our Price: $5.57 In Stock Item: 31708 Carneleon/sil Platd Case W/wax [ Buy ][ Wish List ] 35345 Rose scented candle in jar with silver-plated lid. Lead-free wick. 2 1/2" diameter x 1 1/2" high. Our Price: $5.57 In Stock Item: 35345 Cathedral Candle Holders [ Buy ][ Wish List ] Elegant, Spanish mission style, metal cathedral candle holders. Price per pair. Our Price: $9.07 In Stock Item: 28234 Cherubs Oil Warmer [ Buy ][ Wish List ] Three contemplative cherubs surround this oil warmer which can also be used to hold a favorite candle. Our Price: $9.07 In Stock Item: 31388 Cone Shape Cholder-safari Pat. [ Buy ][ Wish List ] 33718 A stunning safari pattern and a wide, shallow shape make this candle a very intriguing accent for your home! 60% palm oil wax, 40% paraffin. Black metal frame. 5 3/4" diameter x 4 1/4" high. Our Price: $8.37 In Stock Item: 33718 Double Dolphins On Wave Candle [ Buy ][ Wish List ] 31297 A pair of diving dolphins play in the waves on this amusing candle. 6" x 3 1/4" x 6" high. Our Price: $6.97 In Stock Item: 31297 Product Directory • Candles & Oil Burners • Collectibles • Garden • Gift Certificates • Giftgalore Catalog Orders • Home Decor • Housewares • Inspirational Religious Gifts • Licensed Collectibles • New Arrivals • Patriotic Gifts • Special Occasions View My Guestbook Sign My Guestbook

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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College Gift

Providence College - Gift Clubs Online Resources Angel Campus E-mail Directory Check PC E-mail CyberFriar Employment Opportunities Friar Attire & Gift Items Make a Gift Online Phillips Memorial Library Home Alumni Giving to PC Parents for Providence Gift Clubs Stay Involved Giving to PC Annual Fund Ways to Give Make a Gift Online Reunion Giving Smith Center for the Arts Campaign Leadership Giving Matching Gifts Information Parents for Providence Endowed Scholarship Funds Friars Forever Athletic Fund New Initiatives at PC Alumni Events Reunion Weekend 2006 Alumni Programs Area Clubs & Chapters News & Photo Gallery Notable Alumni Friar Attire & Gift Items Institutional Advancement Staff Alumni Online Community Getting Married at PC -- Gift Clubs President's Circle* $1,000-$2,499 Vice President's $500-$999 Dean's $250-$499 Associate Dean's $100-$249 Friar's $25-$99 *A leadership pledge/gift of $1000 or more entitles donor to some annual communications and special events made available only to the College's Leading supporters. HOW TO BECOME INVOLVED Membership Roles and Responsibilities Structure Committees PARENTS FUND Introduction Gift Clubs Types of Gifts How to Make a Gift PARENTS' COUNCIL Events RESOURCES FOR PARENTS Directions to the College Area Accommodations Admissions Who to Contact at the College Campus Directory | Site Map | Search | Contact Us Transform Society, Transform Yourself (™) © 2003 Providence College 549 River Avenue Providence, Rhode Island 02918-0001, U.S.A. Tel:401-865-1000

wedding gift: cash toward

Jewelry Gift

LongLocks Hair Sticks - Jewelry Gift Certificates - The Perfect Birthday or Holiday Gift! Advanced Search | Catalog | Site Map | Index About LongLocks HairSticks ® Boutique Gift Certificates LongLocks HairSticks ® and accessories make wonderfully elegant gifts that will be dearly treasured for years to come, and are destined to become the heirlooms of tomorrow. Whether it be a gift for Christmas, Valentine's Day, a wedding anniversary, birthday, or just to say "I love you," let the LongLocks HairSticks ® Boutique provide a perfectly romantic solution to your gift giving dilemma. Purchase a LongLocks HairSticks ® Boutique Gift Certificate and let your special someone shop at their leisure to choose their own unique hair sticks and jewelry from the LongLocks HairSticks ® Boutique online catalog. Your special someone will love you for it! We ship gift certificates anywhere in the world via first class mail free of charge. If you would like us to personalize your gift certificate for you, please enter the name of the recipient in the comments text box on the first page of the Secure Shopping Cart. If you are on a tight time schedule, your gift certificate can even be delivered by e-mail! Just make your request in the comments text box in the Secure Shopping Cart and be sure to include the e-mail address of the recipient. LongLocks HairSticks ® Boutique Gift Certificates are printed on beautiful floral paper stock. They are available in $25.00, $50.00, $100.00, $150.00 and $250.00 denominations and may be redeemed for one full year from date of issue. Please note that gift certificates are nonrefundable and any unused balance will be credited toward a future purchase. Discount vouchers and sale prices are not applicable to the purchase of gift certificates. Any necessary adjustments under these circumstances will be made during processing. Gift certificates may be redeemed at any time, including during sale days, and may be used in conjunction with discount vouchers. Price: $25.00 Add to Cart Add to Cart LongLocks HairSticks Boutique: $100 Gift Certificate Price: $100.00 Add to Cart Add to Cart Add to Cart The LongLocks HairSticks Boutique is updated daily with new designs! Check out What's New . Subscribe to our FREE newsletter & receive special members-only discounts & previews. Subscribe today Have an idea for your own jewelry design? Consider a Custom Design There are LongLocks HairSticks ® for men too! Check out LongLocks ChapStix Our customers say wonderful things about our jewelry! Check out our Kudos and Awards You'll find great books on hair styles and fashion in the LongLocks Library Prefer to place your order by phone? Call toll-free 1.877.745.1145 LongLocks HairSticks Boutique Hair Jewelry Catalog Index The Original LongLocks HairSticks | GlimmerStix | DuetStix | SwingStix | BridalStix | ShadowStix | GemStix HoloStix | SterlingStix | d'OrStix | FantasyStix | PearliStix | FuturiStix | GlitterStix | MystStix | DecoStix DrizzleStix | MajeStix | NeonStix | FoilStix | SugarStix | ArtiStix | SpiralStix | RapunzelStix GeishaStix | IndividualiStix | ChapStix | Special Edition Designs | Vintage Hair Combs Gift Certificates | Chinese Silk Jewelry Rolls | The Rapunzel Shoppe Collectors Club | Waltzing Willow Jewelry | Sublime Indulgences Hair Color Chart | Birthstones & Anniversaries Ordering Information