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Gifts For Women - Gifts BW gifts | gifts Resources | Add URL Wine Gifts & Baskets From the casual wine drinker to the serious enthusiast, we have a gift that will make them smile. Our selection includes premium wine, gourmet baskets, distinctive champagne sets & the very finest California and Northwest wines. Gifts For Women Articles Gifts for Women When buying gifts for women remember they like to feel that others are thoughtful enough to take the time to select a gift that was selected just for them. The best gifts for women will enrich their lives by pampering them, making them feel sexy or a...( Continue Reading ) Gifts for Women Looking for Valentine's Day gifts for women? Here are five suggestions to give the perfect gift this Valentine's day for the woman in your life....( Continue Reading ) Gifts for Women Unique gifts and tools for the kitchen, great cookbooks, gift baskets, and magazine subscriptions....( Continue Reading ) Arizona Gifts for Women Great Arizona gifts for the woman on your gift list. These gifts for women say "Arizona."...( Continue Reading ) Gifts for Women Unique gifts and tools for the kitchen, great cookbooks, gift baskets, and magazine subscriptions....( Continue Reading ) Gifts For Women Directory Links all good gifts godspell unique anniversary gifts 121 fun sayings for simple gifts recipes for food gifts women birthday gifts gifts new york 1 year wedding anniversary gifts engagement party gifts garden of eden gifts graduation gifts for girls man gifts valentine gifts uk gag gifts for christmas gifts for teenage boys gifts for her birthday new england gift baskets anniversary gifts paper the gifts of the spirit inexpensive thank you gifts childrens gifts gift baskets kansas how to make easter baskets newborn infant gifts taylor gifts com ourmet gift baskets gifts for husband jewish gifts golf tournament gifts birthday gifts mom bride wedding gifts send gifts to bombay 10th wedding anniversary gifts giving gifts world of country gifts tax law gifts get well baskets gifts for engagement gift baskets of new jersey aniversary gifts flowers for gifts great gifts under 30 minutes christmas gifts for men ideas for bridal shower gifts taylor gifts johns collectible toys and gifts Popular Search Terms: Gifts BW © 2004 Gifts BW All trademarks are the property of their respective owners. All Rights Reserved. This site is not related to Brajeshwar or Brajeshwar.com in anyway, shape or form

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Housewarming Gift Baskets - designityourselfgiftbaskets.com Custom Gift Baskets Online. Unique Gift Baskets. Gift Ideas, Corporate Gifts, Gifts for Her, Gifts for Him. Flowers, Fruit Gift Baskets, Gift Baskets Houston Search Our Site: Home | Order Tracking | Contact Us Create Your Own Custom Gift Basket! Design Your Express Gift Basket! Any Occasion Gifts Birthday Gift Baskets Chocolate Lovers Gifts Cocoa Pete's Chocolates Coffee Lovers Gifts Congratulations Gifts Flowers & Bouquets Food Gift Baskets Fresh Fruit Gift Baskets Get Well Gift Baskets Gifts for Her Gifts for Him Gift Towers Golf Enthusiast Gifts Gourmet Gift Baskets Housewarming Gifts Italian Lovers Gifts New Baby Gift Baskets Retirement Gift Baskets Spa & Pamper Gifts Sympathy Gift Baskets Thank You Gift Baskets Taste of Texas Gifts Wedding / Anniversary Wine Gift Baskets Houston Gift Deliveries Specials Best Sellers New Items Gift Basket Ideas Corporate Gifts Custom Gift Baskets Gift Certificates About Our Baskets About Our Stuffers Affiliate Program Catalog Requests Contact Us Customer Accounts FAQs Join Our Mailing List Shipping Information Store Policies Privacy Policy Terms of Use OUR APOLOGIES. As we are located in the southern part of Houston, Texas - just outside of Galveston - we are currently closed to allow our employees and their families to prepare and evacuate for Hurricane Rita. God willing, we will reopen again next week (sometime after 9/26). 2002 - 2005 Design It Yourself Gift Baskets LLC, Houston, Texas. All Rights Reserved. 100% Secure Shopping! We accept all major credit cards. Design It Yourself Gift Basket Themes: Gourmet Baskets | Coffee Lovers | Taste of Texas | Italian Lovers | Chocolate Lovers | Wine Enthusiasts Spa & Pamper | Golf Enthusiasts | New Baby Home | Shipping Information | Shopping Cart | Checkout Contact Us | Mail List Store Policies | Terms of Use | Privacy Statement Gifts Directory & Link Exchange Site Design By: All The Rage Web Design Studios

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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

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Fraternal Programs - Thrivent Financial for Lutherans Locate Your Financial Representative | Site Help | Corporate News Become a Member | Contact Us | Free Offers | Chapter Web Sites SPONSORED WEB SITES: Thrivent Builds | The Store | Lutherans Online | Lutheran Heritage | Church Loan Program | Thrivent Magazine About Chapter System Chapter Locator Chapter Care Programs Church & Community Programs Fraternal Highlights Grant Programs-Foundation Funded Grant Programs-Fraternal Funded Hurricane Katrina Response - Information for Members Impacted - Message from Senior Vice President Brad Hewitt - Investments Impact from Hurricane Katrina - Hurricane Katrina Resource Exchange - Photo Gallery It's as Easy as ABC 1-2-3 JOIN HANDS DAY Member Benefits Scholarships Supporting Our Troops Thrivent Magazine Volunteer Excellence Award FAQs Fraternal Programs Hurricane Katrina Response Hurricane Katrina Response Our hearts go out to the people along the Gulf Coast who have been affected by the devastation of Hurricane Katrina. 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Individual Member Response Through the Individual Member Response, gifts members make to one of the four eligible organizations will be supplemented $1 for every $2 given, up to $300 per member (e.g., if a member gives $600 to a relief organization, Thrivent Financial will provide that organization with an additional $300.) A Thrivent Financial Hurricane Katrina Individual Member Response Form (PDF, 53K) must accompany the members gift (see form and instructions) (Word, 21K) . All funds raised and contributed through the Individual Member Response will be directed to four eligible recipients: Lutheran Disaster Response , ELCA Domestic Disaster Response , LCMS World Relief/Human Care and WELS Committee on Relief . These organizations will distribute the funds to those in need using their established processes. Thrivent Financial Hurricane Katrina Individual Member Response Form (PDF, 53K) Instructions for Member Response Form (Word, 21K) FAQ Individual Member Response Bulletin Insert (PDF, 38K) News Release (Word, 25K) Regional Chapter Response Members can form a service team to hold a fund-raiser or an appeal/collection and have the funds supplemented $1 for every $2 raised through the Hurricane Katrina Regional Chapter Response. A Regional Chapter Response Report form (Word, 43K) must accompany funds that are sent to Thrivent Financial for processing (see form and instructions) (Word, 22K) . Hurricane Katrina Regional Chapter Response Form (Service Team Fund-Raiser Activity Results) (Word, 43K) Instructions for Regional Chapter Response Form (Word, 22K) FAQ Regional Chapter Response News Release (Word, 25K) To view and print PDF files, you need Adobe Acrobat Reader installed on your computer. If you do not have it, you can download a free copy of Adobe Acrobat Reader and install it on your computer by clicking on "Download Adobe Acrobat Reader" below. Mark Wallheiser /REUTERS Download Adobe Acrobat Reader (needed to view .pdf files) U.S. News Headlines SIMILAR HEADLINES ... Help Center Life Events... Buying a Home Changing Jobs Enter Retirement Getting Married Having a Baby Leaving a Legacy Owning a Business Plan Retirement Starting Out =============== Financial Goals... Bank Rates Business Planning Calculators Charitable Giving Checking Accts Credit Cards Daily Fund Pricing Education Planning Estate Strategies Fixed Annuities Imm. Annuities IRA Rollovers IRAs Life Insurance Loans Long Term Care Medicare Sup. Ins. Mortgages Online Banking Planning Services Planning Tools Portfolio Tracker Retirement Savings Accts VA Daily Values Variable Annuities VUL Insurance =============== I want to find... Assoc. 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Great Gifts in Under

Great Gifts in Under 30 Minutes Invited to a baby shower? The Sunflower Teddy Bear takes minutes to make but will be enjoyed for years! Holiday near? Adorn your door with the ultimate decoration. From centerpieces to snack tins, greeting cards to gift tags, Great Gifts in Under 30 Minutes has it all. Find out more . Now, with just 30 minutes of your time, you can create beautiful gifts for special occasions like birthdays, holidays, bridal showers, graduations, dinner parties, and so much more! Great Gifts in Under 30 Minutes contains hundreds of unique projects that are basic enough for first-timers. A handy list of materials shows you exactly what you need. Clear, simple instructions and color photographs lead you through each project from start to finish. You really can do crafting, cooking and sewing projects quickly, decorate and stencil easily, make festive, holiday gift baskets in no time at all... with no special skill or experience required! View Introductory Crafting Package . 24 beautiful Crafting Project Cards with easy step-by-step instructions (plus 3 variations to help you create gifts with a truly personal touch) A deluxe 3-Ring Binder that will keep your project cards organized 8 colorful Divider Cards so you can find the right project immediately PLUS a FREE 5-Piece Professional Calligraphy Pen Set ($10.95 value)! YES, I want to show friends & family how much I care! Send me my Great Gifts in Under 30 Minutes Introductory Package and Free Gift worth $41.95! All I will pay is $4.95 plus $3.47 for shipping & handling for the Introductory Package. Along with my Introductory Package and Free Gift, I'll also receive my first regular set of 12 Great Gifts project cards to examine for 10 days risk free. If I keep it, I pay the special low price of just $4.95 plus $3.47 shipping & handling. Then about every three weeks, I'll receive a new packet of 12 project cards on the same 10-day free trial basis. If I keep it I pay only $6.95 plus $0.95 shipping & handling. There is no minimum to buy and I may cancel at any time just by calling or writing you. The Free Gift is mine to keep no matter what. NOTE: We do not accept orders from outside of the U.S. at this time. All orders are subject to approval. Sales tax added where applicable. BILLING ADDRESS SHIPPING ADDRESS * Required Fields Check here if Shipping Address is the same as Billing Address. * First Name * Last Name * Street Address * City * State / Region (Select from list) Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas U.S. Virgin Islands Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Armed Forces Amer. Armed Forces Eur. Armed Forces Pac. * Zip / Postal Code * Country United States * Email Address Phone How did you hear about this offer? CHOOSE ONE cookingvillage.com e-mail postal mail customer service friend/family another Web site other Send me special offers and customer update emails. * First Name * Last Name * Street Address * City * State / Region (Select from list) Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Guam Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas U.S. Virgin Islands Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Armed Forces Amer. Armed Forces Eur. Armed Forces Pac. * Zip / Postal Code * Country United States Privacy Policy Your Introductory Package will arrive in around 4 weeks. If you have a question, email us at 30minutegifts@imp-usa.com . Exclusive offer, not available in stores. Offer valid to U.S. residents 18 years or older. Great Gifts in Under 30 Minutes is a registered trademark of IMP AB.