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30th Birthday Gift MultiCrawl has found the latest offers and top web sites for 30th Birthday Gift 1. Original Newspapers - an Ideal Birthday Gift An ideal birthday, anniversary, or retirement gift. Quality newspaper presentations with personalised certificates of authenticity. http://www.newspapersremembered.co.uk 2. Birthday Gifts of Flowers - Same Day Delivery Send birthday flowers, anywhere in the world. Same day delivery, phone or order online with pictures and email notification when flowers delivered. Which? Web Traders Approved. http://www.natural-link-uk-flowers.com 3. 30th Birthday original Gift Idea Commemorative newspapers reproduced in elegantly bound personalised books. Find a paper for special dates such as birthdays or anniversaries. http://www.newsrecreated.co.uk 4. Quality Handmade Leather 30th Birthday Gifts Beautiful, handmade leather photo albums, notebooks, wallets/purses, jewel boxes, portfolios, accessories & gifts - all at affordable prices & can be personalised. Exquisite designs as seen in Vogue. http://www.aspinaloflondon.com 5. 30th Birthday Gift? 100s of superb UK gifts, experiences and activities such as ballooning, driving a Ferrari, powerboating, feeding tigers, golfing, health & beauty days, theatre, corporate and more. http://www.thanksdarling.com Main categories: Home > Gifts > Birthday > 30th Birthday Gift People who search for " 30th Birthday Gift " tried these terms: 30th Birthday Gifts | 30th Birthday Gift Idea | 30th Birthday Gift Ideas Back To Top To Enter A New Search © mutlicrawl.com 2004. All rights reserved.

Birthday Presents For my

Love Love Home Personals Horoscopes Wild Games Love & Sex Personality Tests Rate Pix Poetry Gay Love Love & Sex Tips Block Breaker Love Trivia Dating Games Pick-Up Lines Confessions Dating Disasters Personality Tests Hot Searches Wedding Planner Love Letters Designer Jeans Hot or Not? Spy Cams Sizzling Galleries Hot Couples Check Out Perfect Pairs Sexy Spots Are They Sexy? You Tell Us! Rate Guys/Gals Smooth Kisses Seductive & Fun! Take a Look Dating Disasters • An Absolute Zero • Forgave and Got Kicked Out! • The Battle of the Bulge • Dating Blow-up • Tickets to Church • No Recognition • Dreamboat or Disaster? • More Dating Disasters Netscape Photo Center It's easy to get started! Print and share photos online. Try It Free! Gift Ideas: Just Do It • Jewelry & Watches • Gifts & Flowers • Beauty & Health • Sports & Outdoors • Apparel & Accessories Birthday Presents For my eighteenth birthday, my closest friend, JoAnne, invited me to spend the night at her house. Her mom picked me up at six. She had a neighbor, Talon, who lived about four houses down the street. Talon called my cell around midnight. All three of us were good friends. I ran into the bathroom upstairs and answered it. He told me to pretend to be tired, and then once JoAnne fell asleep, I was to walk to his house because he and Mitchell, his friend, had presents for me. So, around 12:30 in the morning, I walked down the street. His room was in the basement, so I knocked there. Mitchell came out wearing only his boxers. I was in a tight, black, tank top and guy's boxer shorts. I walked through the family room to Talon's room. Talon came downstairs in boxers and said, "Oh, I forgot your present upstairs." So, he turned around and walked back upstairs. I sat on Talon's bed and Mitchell came over. He gave me priceless diamond earrings and asked me to be his girlfriend. I said yes. He came over and sat next to me. We made out for almost an hour until he tried to have sex with me. "No," I said. He walked down the hall. I peered through the doorway to see him grabbing a condom, and then he came back to Talon's room. It was 1:30 then. We had sex for three hours until I said we should stop. Talon came back downstairs a few minutes later. He explained that he was hung over from yesterday and had fallen asleep on the couch upstairs. I now know the whole thing was a setup because yesterday JoAnne and I had hung out with him. He gave me a beautiful necklace with a ruby colored flip-flop on it. I asked if someone could walk with me up the street because it was so dark out and I was scared. Surprisingly, Talon volunteered. So, we walked back up to JoAnne's house. I sat down on JoAnne's swing because I was putting my new earrings and necklace on. Talon sat down next to me and we started to kiss. He ran his arm up and down my chest. I pushed away and told him that Mitchell and I were going out now and asked if we could still be friends. He said yes and walked me to the door. We hugged, and I gave him a quick kiss on the mouth because I felt bad for him. I waved goodbye. When I walked downstairs to where JoAnne was, she was standing up with her arms crossed and tapping her foot. She asked where I had been. She had never fallen asleep but only faked as though she had. So, I told her the whole story. To this day, it's only me, Talon, JoAnne, and Mitchell who know what happened. -Lacy, 18 • More Scandalous Confessions! • Submit Your Confession Now • Send This Confession To a Friend! • Check Out Dating Disasters Cast Your Vote! What do you think of this confession? Happens all the time. Great love confession! Never did that. Wish I could experience that. More Hot Features • Secrets From Lovers? Two Views • Single? 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Jewelry Gift Set Three

Bonnies Gifts and Gadgets Catalog page 1 . Want some Free Stuff? ---==== Click Here ====--- Bonnies Gadgets & Gifts Catalog Things you never knew existed Page 1 Checkout all the pages There is something different on each Catalog Index at the bottom of the page To view in FULLSCREEN mode Press F11 on your keyboard Items on this page: (Scroll down to view items) Rice Pearl Jewelry Set Pearl Jewelry Set Black/White/Pink Pearl Set Diamond Jewelry Set Pink Tourmaline & Aqua Set Silver bonded circle bar set Mother's Ring w/ 2 Stones Mother's Slide w/ 1 Stone Pink Genevex Fashion Watch Ladies' Gold-Plated Watch Ladies' Gold-Tone Watch Ladies' Clear Bracelet Watch Ladies' Charm Bracelet Watch Ladies' Ostrich Strap Watch Pearl Watch & Jewelry Set Men's Two-Tone Watch Men's Strap Watch Victorian Jewelry Box 14kt Cult Fw Rice Pearl Jewelry Set 14kt yellow gold cultured freshwater rice pearl necklace/bracelet/earrings set. this lovely set includes a 16' necklace a 7' bracelet and post and butterfly back earrings. the necklace and bracelet each have spring ring closures. -------------======= Index =======------------- 14kt Cult Fw Pearl Jewelry Set 14kt yellow gold 7-8mm cultured freshwater pearl necklace/bracelet/earrings set. this lovely set includes a 17' necklace a 7' bracelet and post and butterfly back earrings. the necklace and bracelet each have spring ring closures. -------------======= Index =======------------- Sterling Silver Black/White/Pink Cult Fw Pearl Jewelry Set sterling silver round black/white/pink cultured freshwater pearl earrings/necklace/bracelet set. this lovely set includes post and butterfly back dangle earrings 18' necklace and 7.5' bracelet. the necklace and bracelet have toggle clasp closures. -------------======= Index =======------------- 10kt Wg .19ctw Diamond Jewelry Set 10kt white gold .19ctw round diamond pendant/ chain/earrings/ring set. this pretty diagonal design diamond jewelry set includes a ring post and butterfly back earrings a pendant and a pendant chain with spring ring closure. -------------======= Index =======------------- 10kt Wg 1.50ctw Pink Tourmaline & Aquamarine Jewelry Set 10kt white gold 1.50ctw round pink tourmaline and marquise aquamarine pendant/chain/earrings set. this lovely set has a stemmed flower design with a pink tourmaline flower and aquamarine leaves. the earrings have post and butterfly backs and a chain with spring ring closure comes with the pendant. -------------======= Index =======------------- Three-piece silver bonded circle bar set Three-piece silver bonded circle bar set -------------======= Index =======------------- 10k Original Mother's Ring With Two 3.75mm Synthetic Stones 10k Original Mother's Ring With Two 3.75mm Synthetic Stones -------------======= Index =======------------- 14k 6mm Wide Original Mother's Slide With One 3.75mm Synthetic Stone 14k 6mm Wide Original Mother's Slide With One 3.75mm Synthetic Stone -------------======= Index =======------------- Pink Genevex by Croton CZ East-West Tank Fashion Watch Time for a fun fashion splurge! The rectangular watch face features stretched Roman numerals framed by glittering cubic zirconia stones. -------------======= Index =======------------- Croton Ladies' Gold-Plated Watch with Leather Band This handsome Croton ladies' watch has a round, gold-plated case and a white dial with sleek Roman numbers and streamlined hands. A crocodile-embossed black leather band completes this classic design. -------------======= Index =======------------- Croton Ladies' Gold-Tone Watch with CZ Bezel A glamorous look for dinner parties and evenings at the theater. Croton studs the watch's square bezel and adjacent links with fiery, sparkling cubic zirconias. -------------======= Index =======------------- Croton Ladies' Clear CZ-Encrusted Bracelet Watch This stunning bracelet watch is encrusted with clear round and princess-cut cubic zirconia crystals - a dazzling look for special occasions by Croton. Rhodium-plated to resist tarnishing, it has a white mother-of-pearl Tonneau-shaped case. -------------======= Index =======------------- Croton Ladies' Charm Bracelet Watch "Charming" is the best way to describe this adorable ladies' watch from Croton, clipped to a silver-tone chain bracelet with six crystal- and enamel-accented charms and a toggle clasp. Everyone will want to know where you found it! -------------======= Index =======------------- Pink Croton Ladies' Ostrich Strap Watch w/Crystal Bezel Fun fashion watches at splurge-worthy prices. Each oval watch is studded with white crystals and finished with a colored ostrich leather strap. -------------======= Index =======------------- Croton Cultured Pearl Watch & Jewelry Gift Set Three marvelous pearl gifts in a ready-to-give gift box! This pearl gift set includes the gold-plated pearl watch, 17" pearl necklace, and pearl and gold swirl earrings. -------------======= Index =======------------- Jules Jurgensen Men's Two-Tone Watch Follow the beat of your own drummer. The Urban Jurgensen tank watch from Jules Jurgensen has long two-tone links leading to a black rectangular dial with Roman numerals. -------------======= Index =======------------- Jules Jurgensen Men's Strap Watch From a company in business since 1740, a very contemporary tank watch for him. The brushed, rectangular steel bezel is in handsome contrast to gold-tone accents on the case and dial. -------------======= Index =======------------- Victorian Jewelry Box This beautiful silver plated Victorian style jewelry box is perfect for bridesmaids gifts or any special gift for her. At 6 inches long, 5 inches wide and 2 3/4 inches high, this stunning jewelry box is lined with blue velvet to protect your most delicate -------------======= =======------------- { Page 2 } 1 Bonnies Watches and Jewelry 2 Bonnies Gifts and Gadgets 3 Bonnies Gifts and Gadgets 4 Bonnies Gifts and Gadgets 5 Bonnies Gifts and Gadgets 6 Bonnies Gifts and Gadgets 7 Bonnies Gifts and Gadgets 8 Bonnies Natural Pet Health Products l 9 Bonnies Natural Pet Health Products ll 10 Bonnies Natural Gourmet Pet Foods 11 Bonnies Gifts and Gadgets 12 Bonnies Cookware online catalog 13 Stainless Steel Cookware online catalog 14 Bonnies Gifts and Gadgets 15 Nittany Lions Stuff 16 Nittany Lions Stuff ll 17 Bonnies Bonsai Tree online catalog 18 Bonnies Gifts and Gadgets 19 Bonnies Camping stuff l online catalog 20 Bonnies Bonnies Camping stuff ll online catalog Big Boy Toys Some for Lil Boys and Girls Too ---==== Click Here ====--- Imagine This Stuff in a Nutshell ---==== Click Here ====--- Pssst! 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Teacher Gift Ideas and

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college gift-giving The best

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