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. 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Unique Gifts For Any

Collectible World Studios - Unique Gifts, Figurines & Home Décor newsletters about us artists affiliates contact us shopping help home Cookies Required You appear to have Cookies disabled, please click here for instructions on how to enable them. You may need to close and re-open your browser to remove this error message once you have made the necessary changes. sign in my account shopping help search Your Basket Items: 0 Total Price: (inc Vat) £0.00 view basket store locator newsletters factory shop affiliates The new shopping experience and Aladdin’s cave for presents and gifts at Wetheriggs Pottery. New Gift Ranges Now Available: New Gift Ranges Coming Soon: Unique Gifts For Any Occasion: Me to You Adorable Tatty Teddy figurines and giftware from the Me to You store. Piggin’ Humorous pig gifts and collectible pig figurines. Ideal gifts for pig lovers. Pocket Dragons The whimsical world of Pocket Dragons - an international collectible. CowParade Colourful CowParade figurines - sculptures based on cows from parades Worldwide. Friendship Ideal bronze finished figurine gifts for friends, family and that special someone. The Fairy Way Highly detailed fantasy figurines depicting fairies amongst wild life. Creature Comforts Collectable figurines based on the hit TV series by Aardman animations. WhimsiClay Collectible fancy felines and mouse figurines - ideal gifts for cat lovers. Just The Right Shoe Collectible Shoe Figurines. > UK Retirement Announcement > View The Range Home Décor Ranges: Alexandria's Lamps Colourful crafted glass fragrance lamps. Popp Rivet Garden Outdoor sculptures and garden accessories - unique giftware. Friendship Home New to the Friendship collection is a unique range of home decor items. Metal Urges Hand crafted steel wire-frame baskets and sculptured candleholders. About Collectible World Studios: Here at Collectible World Studios we produce high quality collectible figurines, sculptures and home décor ranges. Some so unique, whimsical, or humorous they are hugely popular with their own collectors clubs. Others are selected as African gifts, Oriental gifts, romantic gifts, or lifestyle gifts of distinction. Maasai Tribe Sculptures based on the unique ways of life within the Maasai Tribe. Also featuring a unique range of home décor - ideal African gifts. Spirit Song The Spirit Song range of bronze, steel and copper finished figurines are beautifully detailed and make an impressive statement when displayed around the home. The Silk Road Elegant sculptures featuring precious gem stones, inspired by an oriental trading route; the Silk Road - perfect oriental gifts. The Soul Journeys range of African, Oriental and spiritual collectables make unique gifts for special occasions. Popular presents for weddings, birthdays and anniversaries, they truly are romantic figurines. The new Maasai Home décor range also makes an artistic house-warming present, ideal for anyone looking for an African theme from unique tribal gifts. Store Locator © Collectible World Studios Limited 2004

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