Christmas gift ideas on

FamilyFun: Easy-to-Make Homemade Christmas Gift Ideas Browse site by Classic Themes Barnyard Pals Cars and Trucks Fairy-Tale Princesses Pirates Under the Sea Search FamilyFun Tools Craft Finder Game Finder Party Planner Crafts Newsletter Free! Sign Up Now Checklists Art Supplies Craft Supplies Arts & Crafts Expert Quicklink to Holidays Solutions A to Z Thousands of family ideas & activities -- Nothing captures the spirit of the holidays like a unique gift that's been made with care and love. From fleece hats to family photo books and more, the Christmas gift ideas on this page are sure to inspire and encourage you. Be sure to visit Your Best Homemade Holiday Gifts for even more Christmas gift ideas. And when your gift list is complete, check out homemade gift wrapping ideas . Main Page 25 Days of Christmas New This Year! Christmas Cards & Printables Christmas Decorations Christmas Cookies & Gingerbread Easy-to-Make Homemade Gifts Christmas Ornaments Christmas Crafts & Stockings Christmas Recipes Christmas Games & Parties Last-Minute Gifts Super presents that come together in minutes Beanbags and sachets Bookmarks Bulbs and planters Cans of Pens and Candles Custom Coasters IOU Gifts Special Key Rings Specialized Kits Treasure Boxes Wrapped-Up Recipes -- Presents for Pets Gift ideas for your child's favorite critter Catnip Mouse Dog-Bone Wreath Puppy Portrait Frame -- For Your Kids Unique gift ideas that you can make for your children 8 Christmas Stocking Patterns Fleece Hat Homemade Clay Homemade Finger Paints Jingle Bell Bracelets Mouse Pad Photo Gifts Tie-Dyed T-Shirts Ultimate Dollhouse -- From the Kitchen Ideas you can make and bake with your kids 20 Easy-to-Make Gifts from the Kitchen -- For Family and Friends Great gift ideas kids can make Art Cards Beaded Ornaments Brooches Candle Jars Cast Catchalls Caterpillar Messager Family Photo Books Garden Apron and Gloves Hand-Colored Oven Mitts Handprint Dishcloths Hobby Boxes House Keys Kitchen Angel Knitting Needles Me-and-You Book Mosaic Flowerpots Personalized Magnets Postcard Gift Pack Printed Memo Blocks Sweater Mittens Tiny Treasure Box -- Gifts for Teachers Ideas that will make favorite teachers feel special Alligator Sewing Kit Baby-Sock Snowmen Beauty Bar Cut-Out Coaster Decorative Doorstop Emoticon Magnets Gift Bookmarks Hand-Painted Mugs Hungry Alligator Ladybug Tie Tack Painted Glass Vase Pencil-Holding Pets Sew-Up Squares Sweet Nothing Box Treasure Gift Box Velvet Journal Wired Star -- Special Ideas Wooden gifts that will be enjoyed for years to come Bluebird House Child's Footstool Gardener's Tool Box Herb Rack Letter Box Outdoor Kneeling Stool Recipe Box Toy Chest --

Unique Gifts & Gift

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Valentine Gifts For Him

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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 Giftwraps From "

CRAFTS : Invitations & Gift Wrapping : Creative Giftwraps : DIY Network SEARCH CRAFTS Index Baskets Beading Boxes Candles Children's Room Decor Clay Clothing Dolls Faux & Other Finishes Flowers & Foliage Furniture Garden & Patio Glass History Holidays Jewelry & Accessories Kids Crafts Lamps & Shades Linens & Fabrics Memory Crafts Metal Natural & Homemade Needle Arts Organizing & Storage Painting & Staining Paper Books Decorative Decoupage Holiday Homemade Invitations & Gift Wrapping Techniques Types Other Photo Projects Quilting Techniques Recycled Objects Ribbons & Bows Rubber Stamping Scrapbooking Special Days & Gifts Stenciling Storage Tabletop Decor Toys & Games Walls & Floors Wedding Wirework Wood & Leather BEST OF CRAFTS Inside 2005 CHA Weekend Projects Vacation Memories Scrapbooking Basics Sewing for the Home Scrapbooking Archive Scrapbooking: Holidays Flowers & Nature Layouts SPONSOR LINKS Creative Giftwraps From " Special Presentation " episode AHC-S advertisement This gift was wrapped with kraft paper that was spray-painted. Fake (plastic) pearls are the perfect complement to this elegant gold wrapping paper. Get more for your buck by using giftwrap such as this clay-pot wrap, which can be a gift as well, . A shrink-wrapped gift basket is always a treasure during the holiday season. Figure A Figure B Craft Paper Wrap This particular wrap was done with kraft paper (guest Michael Basler says you can use a garbage bag as well) and spray paint. Here's how: Crumple the kraft paper (or garbage bag). Flatten out the paper and spray-paint it -- from an angle, not straight down. Be sure to use a color (red, green, etc.) that will contrast with the kraft paper or garbage bag. Decorate with raffia and a homemade tag or purchased card. Elegant Gold Wrap with Fake Pearls This gift is more about the trim than the actual wrapping paper, which is basic gold giftwrap. Simply wrap a string of plastic "pearls" around the package; use hot glue at the beginning and the end of the string to keep the pearls in place. Attach a plastic "pearl" button to the front for an elegant holiday package. Note: Other great embellishments include silk leaves and cord tassels. Clay Pot Wrap Another crafty idea is to fill two small clay pots with a gift such as garlic, place the pots together with raffia or decorative paper-twist ribbon and top with dried berries. Some other ideas include using a large clay pot that's decorated with gold embellishments and filled with gardening supplies, or a painted one whose saucer is being used as the lid -- filled with goodies such as honey, etc., and tied together with rope. Shrink-Wrapped Gift Basket Yes, you can shrink-wrap a gift yourself. Here's how: Fill a basket with any kind of goodies (chocolates, cookies, etc.) desired, and wrap the basket in a shrink-wrap bag, which can be found at any craft or party store. Melt the shrink-wrap with a blow-dryer ( figure A ). Note: Shrink wrap comes in colors as well as clear -- red, green or gold would be perfect for the holidays. Other Wrapping Ideas from Michael Basler: Wrap a bottle of wine with organza fabric, tied with ribbons and decorated with a string of fake "pearls" and a bow. Use denim fabric that's frayed at the edge for compact diskettes, DVDs or video tapes. Simply tie the ends with cowhide cord. For the inside of the box, consider surrounding the gift with different-color tissue-paper rosettes ( figure B ). RESOURCES: Wraps and Roll-Ups Model: 1558672095 Author: Dona Z. Meilach (March, 1999) Bristol Publishing Enterprises San Leandro, CA 94577 Fax: 510-895-4459 Handmade Giftwrap, Bows, Cards and Tags Model: 080695793X Author: Jill Williams Grover Wrap It Up: 50 Creative and Stylish Gift-Wrap Ideas Model: 0765588986 Author: Sally Walton Creative Giftwraps: Ideas and Inspirations, Tips and Techniques Model: 1579901549 Author: Constance E. Richards (2000) Lark Books / Altamont Press Asheville, NC 28801 Phone: Private Fax: 828.236.2869 Creative Gift Wrapping: Unique Ideas for All Occasions Model: 0895779625 Author: Gill Dickinson Gift Wrapping : Art of Craft Series Model: 1861263635 Author: Annette Claxton (2001) Trafalgar Square Publishing Co. North Pomfret, VT 05053 Phone: 802-457-1911 Fax: 802-457-1913 Email: tsquare@sover.net Creative Cards: Wrap a Message With a Personal Touch Model: 0870119648 Author: Yoshiko Kitagawa (September, 1990) Kodansha International Great Gifts: Toast the Host Model: 0865739889 This book is not out of print, but is hard to find. Check used book stores. Greet the Season (Great Gifts) Model: 0865739870 This title is difficult to find. Check with used bookstores. Christmas Crafts and Entertaining: Fun Projects and Gifts Plus Great Recipes Model: 0865731780 Author: Editors Creative Publishing International (1999) Creative Publishing International, Inc. Minnetonka, MN 55343 Phone: 612-936-4700 Fax: 612-933-1456 Wrap It Up: Great Gifts (Great Gifts) Model: 0865739862 GUESTS: Michael Basler Email: mbasler@creativepub.com Website: www.creativepub.com Creative Publishing International ALSO IN THIS EPISODE: Tree Decorating Christmas Crafts for the Family Magical Mantels Edible Gifts Creative Giftwraps Make Your Own Gifts Comparison Shop for Home Items & Sports Equipment at Shopzilla © 2005 Scripps Networks, Inc. All rights reserved Privacy Policy | Legal Info