Great Gifts For Boys


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Listmania! In The Spotlight: Great Gifts For Boys Your Store See All 31 Product Categories   Your Account | Cart | Wish List | Help Improve Your Recommendations | Your Amazon Home | Your Profile | Learn More Search Amazon.com Books Popular Music Music Downloads Classical Music DVD VHS Apparel Yellow Pages Restaurants Movie Showtimes Toys Baby Computers Video Games Electronics Camera & Photo Software Tools & Hardware Office Products Magazines Sports & Outdoors Outdoor Living Kitchen Jewelry & Watches Beauty Gourmet Food Beta Musical Instruments Health/Personal Care Travel Cell Phones & Service Outlet Auctions zShops Everything Else Scientific Supplies Medical Supplies Indust. Supplies Automotive Home Furnishings Lifestyle Pet Toys Arts & Hobbies Web Search Listmania! In The Spotlight: Great Gifts For Boys by Toysrus/Amazon.com , Toysrus.com E-mail this list to a friend 1. LeapFrog Leapster by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium List Price: $89.99 Buy new : $69.99 You Save : $20.00 (22%) Availability: Usually ships in 24 hours 2. Leapster Case by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium List Price: $19.99 Buy new : $17.99 You Save : $2.00 (10%) Availability: Usually ships in 24 hours 3. Leapster Game: Dora the Explorer- Wildlife Rescue by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $24.99 Availability: Usually ships in 24 hours 4. Leapster Game: SpongeBob SquarePants Saves the Day by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $24.99 Availability: Usually ships in 24 hours 5. Robosapien Robot by Wow Wee International Ltd. (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $99.99 Buy new : $89.99 You Save : $10.00 (10%) Availability: Usually ships in 24 hours 6. Lazertag 2-Player Deluxe Set by Hasbro (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $49.99 Availability: Usually ships in 24 hours 7. Transformers G1 Hoist by Hasbro (Toy) Average Customer Review: Availability: This item is currently not available. Customers also shopped for these similar items . 8. Namco TV Games by Toymax (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $24.99 Buy new : $19.99 You Save : $5.00 (20%) Availability: Usually ships in 24 hours Used & new from $11.95 9. Tyco Radio Control Terrain Twister: Red (27 MHz) by Tyco RC (Toy) Offered by: Toys"R"Us Buy new : $64.99 Availability: Usually ships in 24 hours 10. Game Boy Advance SP - Orange/Green by Nintendo (Video Game) Average Customer Review: Availability: Currently unavailable Used & new from $99.95 11. InteracTV Dvd System by Fisher-Price (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $39.99 Availability: Usually ships in 24 hours 12. Operation: Shrek Edition by Hasbro (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $16.99 Availability: Usually ships in 24 hours 13. Fridge Phonics Magnetic Letter Set by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $19.99 Availability: Usually ships in 24 hours 14. Rc Dump Truck by Hasbro (Toy) Average Customer Review: Availability: This item is currently not available. Customers also shopped for these similar items . 15. V-Smile by Vtech (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $59.99 Availability: Usually ships in 24 hours 16. 100 Count Magnetix Case by Rose Art Industries Inc. (Toy) Offered by: Imaginarium Buy new : $39.99 Availability: Usually ships in 24 hours 17. Teenage Mutant Ninja Turtles Deluxe Armored Truck by Playmates (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $21.99 Availability: Usually ships in 24 hours 18. Bulls Eye Ball by Hasbro (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $20.99 Availability: Usually ships in 24 hours 19. Cranium Hullabaloo Game by Cranium (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $24.99 Buy new : $19.99 You Save : $5.00 (20%) Availability: Usually ships in 24 hours 20. Star Wars Darth Vader Voice Changer Helmet by Hasbro (Toy) Offered by: Toys"R"Us List Price: $34.99 Buy new : $29.99 You Save : $5.00 (14%) Availability: Usually ships in 24 hours 21. 1:18 Radio Control Hummer H2 Swingback: Silver (49 MHz) by Nikko (Toy) Offered by: Toys"R"Us List Price: $29.99 Buy new : $24.99 You Save : $5.00 (17%) Availability: Usually ships in 24 hours 22. 1:18 Radio Control Hummer H2 Swingback: Dark Green (27 MHz) by Nikko (Toy) Offered by: Toys"R"Us List Price: $29.99 Buy new : $24.99 You Save : $5.00 (17%) Availability: Usually ships in 24 hours 23. Hummer H2 Adventure Series Ride On With Exclusive Options (Gray) by Little Tikes (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $299.99 Buy new : $269.99 You Save : $30.00 (10%) Availability: Usually ships in 1 to 2 weeks Create your own list! See the Best Lists Top 100 Listmania lists Search Listmania lists More about Toysrus/Amazon.com Related Listmania! Add your list MY SON'S FAVORITE LEAPFROG TOYS : A list by N. Tazewell, MOM OF A VERY SMART 3-YEAR OLD JR'S FAVORITE LEAPFROG TOYS : A list by N. Tazewell, MOM OF A VERY SMART 3-YEAR OLD DONTAE'S FAVORITE LEAPFROG TOYS : A list by N. Tazewell, MOM OF A VERY SMART 4-YEAR OLD MY FAVORITE LEAPFROG TOYS : A list by N. Tazewell, MOM OF A VERY SMART 3-YEAR OLD Add your list Related So You'd Like to... Create a guide Help Kids Develop Good Reading & Writing Skills : A guide by J. H. Sweet, author of The Fairy Chronicles & former English teacher Buy Your Son The Original Transformer Toys : A guide by christmas_elf, More Than Meets the Eye See the best of the best of Transformers : A guide by battlestone, Child of the 80's have the best preschool board games... : A guide by KNSudha, Toyaholic Mom :-) get ideas on what to buy a girl 1-3 yrs : A guide by M. E Flanagan-Paull, Kyrsten's Mommy & Frequent Play Group Attendee get your old school arcade vibe on : A guide by Douglas B. Rapson, Child of the 80's help your elementary school age child in OT : A guide by MotamedFamily.com, mom2a preschooler in OT and Sensory Integration Know More About SpongeBob SquarePants : A guide by Mike Vegas King, A SpongeBob Supporter Create a guide Where's My Stuff? Track your recent orders . View or change your orders in Your Account . Shipping & Returns See our shipping rates & policies . Return an item (here's our Returns Policy ). Need Help? Forgot your password? Click here . Redeem or buy a gift certificate. Visit our Help department . Search All Products Books Popular Music Music Downloads Classical Music DVD VHS Apparel Yellow Pages Restaurants Movie Showtimes Toys Baby Computers Video Games Electronics Camera & Photo Software Tools & Hardware Office Products Magazines Sports & Outdoors Outdoor Living Kitchen Jewelry & Watches Beauty Gourmet Food Beta Musical Instruments Health/Personal Care Pet Supplies Travel Books Cell Phones & Service Outlet Auctions zShops Everything Else Scientific Supplies Medical Supplies Indust. Supplies Automotive Home Furnishings Lifestyle Arts & Hobbies for Top of Page Amazon.com Home | Directory of All Stores Our International Sites: Canada | United Kingdom | Germany | Japan | France  | China Contact Us | Help | Shopping Cart | Your Account | Sell Items | 1-Click Settings Investor Relations | Press Releases | Careers Conditions of Use | Privacy Notice © 1995-2005, Amazon.com, Inc. or its affiliates
Gifts For Men Articles
Romantic Gifts For Men - 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. Romantic Gifts For Men Articles Top 10 Spa Kits These home spa kits make great gifts for anyone who could use a little pampering....( Continue Reading ) Gifts for Men When buying gifts for men remember they love to feel pampered and soothed after a long day of working. Gifts for men can run the gamut of fun things catering to their adventurous boyish side to more pragmatic things to assist in their everyday life....( Continue Reading ) Honeymoons / Romantic Getaways, Gifts & Lingerie for Lovers - TopPicks An index of Gifts & Lingerie for Lovers TopPicks for the Honeymoons / Romantic Getaways guide site....( Continue Reading ) Romantic Jewelry - Gifts for Your Valentine Choosing a gift for your Valentine should be fun, not something you put off until the last minute because you just don't know what to buy. Here are some tips to help you find the perfect gift for that special person. Romantic gifts for any time of th...( Continue Reading ) Romantic Jewelry - Favorite Gifts for Your Valentine Choosing a gift for your Valentine should be fun, not something you put off until the last minute because you just don't know what to buy. Here are some tips to help you find the perfect gift for that special person. Romantic gifts for any time of th...( Continue Reading ) Romantic Gifts For Men Directory Links wine basket gifts gifts for older men greek gifts food gift baskets last minute valentines gifts anniversary gifts tradition wisconsin cheese gifts wholesale baskets great christmas gifts gift baskets philadelphia how to make gifts anniversary yearly gifts cheap anniversary gifts shopping gifts sorority gifts send gifts to india from usa cookie mix gifts unique musical gifts cute valentine gifts gift baskets orlando gift baskets in new york nursing graduation gifts homemade baby gifts best gifts for her romantic gifts for guys bike baskets wedding etiquette gifts easter baskets 30th birthday gag gifts college gifts gifts for toddlers best baby gifts sending gifts to india gifts for valentines day valentines day gifts guys gifts for fathers birthday gifts for husbands friendly toys and gifts wine and cheese gifts baskets by design gifts kids can make gifts for the holidays valentines days gifts mothers day gifts kids can make creative fathers day 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
Great Gifts For Boys
Listmania! In The Spotlight: Great Gifts For Boys Your Store See All 31 Product Categories   Your Account | Cart | Wish List | Help Improve Your Recommendations | Your Amazon Home | Your Profile | Learn More Search Amazon.com Books Popular Music Music Downloads Classical Music DVD VHS Apparel Yellow Pages Restaurants Movie Showtimes Toys Baby Computers Video Games Electronics Camera & Photo Software Tools & Hardware Office Products Magazines Sports & Outdoors Outdoor Living Kitchen Jewelry & Watches Beauty Gourmet Food Beta Musical Instruments Health/Personal Care Travel Cell Phones & Service Outlet Auctions zShops Everything Else Scientific Supplies Medical Supplies Indust. Supplies Automotive Home Furnishings Lifestyle Pet Toys Arts & Hobbies Web Search Listmania! In The Spotlight: Great Gifts For Boys by Toysrus/Amazon.com , Toysrus.com E-mail this list to a friend 1. LeapFrog Leapster by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium List Price: $89.99 Buy new : $69.99 You Save : $20.00 (22%) Availability: Usually ships in 24 hours 2. Leapster Case by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium List Price: $19.99 Buy new : $17.99 You Save : $2.00 (10%) Availability: Usually ships in 24 hours 3. Leapster Game: Dora the Explorer- Wildlife Rescue by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $24.99 Availability: Usually ships in 24 hours 4. Leapster Game: SpongeBob SquarePants Saves the Day by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $24.99 Availability: Usually ships in 24 hours 5. Robosapien Robot by Wow Wee International Ltd. (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $99.99 Buy new : $89.99 You Save : $10.00 (10%) Availability: Usually ships in 24 hours 6. Lazertag 2-Player Deluxe Set by Hasbro (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $49.99 Availability: Usually ships in 24 hours 7. Transformers G1 Hoist by Hasbro (Toy) Average Customer Review: Availability: This item is currently not available. Customers also shopped for these similar items . 8. Namco TV Games by Toymax (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $24.99 Buy new : $19.99 You Save : $5.00 (20%) Availability: Usually ships in 24 hours Used & new from $11.95 9. Tyco Radio Control Terrain Twister: Red (27 MHz) by Tyco RC (Toy) Offered by: Toys"R"Us Buy new : $64.99 Availability: Usually ships in 24 hours 10. Game Boy Advance SP - Orange/Green by Nintendo (Video Game) Average Customer Review: Availability: Currently unavailable Used & new from $99.95 11. InteracTV Dvd System by Fisher-Price (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $39.99 Availability: Usually ships in 24 hours 12. Operation: Shrek Edition by Hasbro (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $16.99 Availability: Usually ships in 24 hours 13. Fridge Phonics Magnetic Letter Set by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $19.99 Availability: Usually ships in 24 hours 14. Rc Dump Truck by Hasbro (Toy) Average Customer Review: Availability: This item is currently not available. Customers also shopped for these similar items . 15. V-Smile by Vtech (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $59.99 Availability: Usually ships in 24 hours 16. 100 Count Magnetix Case by Rose Art Industries Inc. (Toy) Offered by: Imaginarium Buy new : $39.99 Availability: Usually ships in 24 hours 17. Teenage Mutant Ninja Turtles Deluxe Armored Truck by Playmates (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $21.99 Availability: Usually ships in 24 hours 18. Bulls Eye Ball by Hasbro (Toy) Average Customer Review: Offered by: Toys"R"Us Buy new : $20.99 Availability: Usually ships in 24 hours 19. Cranium Hullabaloo Game by Cranium (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $24.99 Buy new : $19.99 You Save : $5.00 (20%) Availability: Usually ships in 24 hours 20. Star Wars Darth Vader Voice Changer Helmet by Hasbro (Toy) Offered by: Toys"R"Us List Price: $34.99 Buy new : $29.99 You Save : $5.00 (14%) Availability: Usually ships in 24 hours 21. 1:18 Radio Control Hummer H2 Swingback: Silver (49 MHz) by Nikko (Toy) Offered by: Toys"R"Us List Price: $29.99 Buy new : $24.99 You Save : $5.00 (17%) Availability: Usually ships in 24 hours 22. 1:18 Radio Control Hummer H2 Swingback: Dark Green (27 MHz) by Nikko (Toy) Offered by: Toys"R"Us List Price: $29.99 Buy new : $24.99 You Save : $5.00 (17%) Availability: Usually ships in 24 hours 23. Hummer H2 Adventure Series Ride On With Exclusive Options (Gray) by Little Tikes (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $299.99 Buy new : $269.99 You Save : $30.00 (10%) Availability: Usually ships in 1 to 2 weeks Create your own list! See the Best Lists Top 100 Listmania lists Search Listmania lists More about Toysrus/Amazon.com Related Listmania! Add your list MY SON'S FAVORITE LEAPFROG TOYS : A list by N. Tazewell, MOM OF A VERY SMART 3-YEAR OLD JR'S FAVORITE LEAPFROG TOYS : A list by N. Tazewell, MOM OF A VERY SMART 3-YEAR OLD DONTAE'S FAVORITE LEAPFROG TOYS : A list by N. Tazewell, MOM OF A VERY SMART 4-YEAR OLD MY FAVORITE LEAPFROG TOYS : A list by N. Tazewell, MOM OF A VERY SMART 3-YEAR OLD Add your list Related So You'd Like to... Create a guide Help Kids Develop Good Reading & Writing Skills : A guide by J. H. Sweet, author of The Fairy Chronicles & former English teacher Buy Your Son The Original Transformer Toys : A guide by christmas_elf, More Than Meets the Eye See the best of the best of Transformers : A guide by battlestone, Child of the 80's have the best preschool board games... : A guide by KNSudha, Toyaholic Mom :-) get ideas on what to buy a girl 1-3 yrs : A guide by M. E Flanagan-Paull, Kyrsten's Mommy & Frequent Play Group Attendee get your old school arcade vibe on : A guide by Douglas B. Rapson, Child of the 80's help your elementary school age child in OT : A guide by MotamedFamily.com, mom2a preschooler in OT and Sensory Integration Know More About SpongeBob SquarePants : A guide by Mike Vegas King, A SpongeBob Supporter Create a guide Where's My Stuff? Track your recent orders . View or change your orders in Your Account . Shipping & Returns See our shipping rates & policies . Return an item (here's our Returns Policy ). Need Help? Forgot your password? Click here . Redeem or buy a gift certificate. Visit our Help department . Search All Products Books Popular Music Music Downloads Classical Music DVD VHS Apparel Yellow Pages Restaurants Movie Showtimes Toys Baby Computers Video Games Electronics Camera & Photo Software Tools & Hardware Office Products Magazines Sports & Outdoors Outdoor Living Kitchen Jewelry & Watches Beauty Gourmet Food Beta Musical Instruments Health/Personal Care Pet Supplies Travel Books Cell Phones & Service Outlet Auctions zShops Everything Else Scientific Supplies Medical Supplies Indust. Supplies Automotive Home Furnishings Lifestyle Arts & Hobbies for Top of Page Amazon.com Home | Directory of All Stores Our International Sites: Canada | United Kingdom | Germany | Japan | France  | China Contact Us | Help | Shopping Cart | Your Account | Sell Items | 1-Click Settings Investor Relations | Press Releases | Careers Conditions of Use | Privacy Notice © 1995-2005, Amazon.com, Inc. or its affiliates
Birthday Gifts Groomsmen Gifts
Unique anniversary jewelry, birthday gifts, groomsmen gift ideas search order tracking customer service help my account shopping bag FREE priority shipping on all orders over $150 SHOP BY OCCASION Anniversary Gifts Birthday Gifts Groomsmen Gifts Bridesmaid Gifts Friendship Gifts Congratulations Gifts Good Luck Gifts Romantic Gifts Mother's Day Gifts Father's Day Gifts Christmas Gifts Christmas Ornaments Corporate Gifts Graduation Gifts SHOP BY RECIPIENT Gifts for Men Gifts for Her Gifts for Dad Gifts for Mom Gifts for the Executive Gifts for Friends Gifts for Graduates Gifts for Valentines Gifts for the Home Men's Jewelry Accessories Gifts for Anniversaries Unique Jewelry Irish Gifts SHOP BY PRODUCT Celtic Jewelry Silver Necklaces Silver Bracelets Silver Earrings Gemstone Pendants Gemstone Earrings Silver Cufflinks Yerba Mate Tea Gourds Keychains - Key Rings Leaf Accessories Gold Leaf Pendants Gold Leaf Pins - Brooches Silver Leaf Pendants Silver Leaf Pins - Brooches Searching for extraordinary anniversary gifts? Our Fall Jewelry Collection is really one-of-a-kind. We feature unique necklaces and pins made from real leaves dipped in 24K Gold or pure Silver, Irish Celtic jewelry , handmade silver jewelry and amazing gemstone jewelry. Shop unusual anniversary gifts for men: wonderful silver cufflinks, money clips, keychains, leather cuff bracelets and gourds to drink yerba mate tea. Wonderful birthday gifts and groomsmen gifts too! You will not find these exclusive presents anywhere else! Looking for beautiful bridesmaid gifts and unique groomsmen gifts ? Our silver Celtic cuff links are perfect for your groomsman and our yerba mate gourds make unusual gift ideas for bridesmaids. We feature handmade silver men's jewelry, wonderful presents for your best man. If you are searching for gifts for men you can also find silver bookmarks (a cool gift for him ) and handmade business card boxes, perfect as graduation or corporate gifts. Our Customers speak out: "This was my first purchase with Patagonia Gifts and the service was excellent. The order arrived within a week -most impressive as I live in the UK and it arrived more quickly than my internal mail. I am delighted with my purchase and very impressed with the quality of workmanship; especially as it is a gift for my young daughter. I will certainly buy from this company again and have no hesitation in recommending them to friends and family.", Eleanor M., East Sussex, UK. Read more ... Searching for unique Christmas gifts ? PatagoniaGifts.com is the perfect source for unique gift ideas for Holidays. This year surprise your loved ones with our handmade leaf Christmas ornaments, Celtic jewelry, silver rings, gemstone pendants, silver cufflinks, money clips, bracelets, Celtic necklaces, jewelry boxes, bookmarks and lots of unusual Christmas gift ideas. Discover one-of-a-kind good luck gifts. Wish them good luck in the future and surprise them with unique Irish gifts. We feature beautiful handmade shamrock clover pendants, pins and earrings made from real leaves dipped in 24K Gold and Silver: wonderful good luck gift ideas. Find original holiday gifts for men: keychains, shamrock cuff links, decorated yerba mate gourds or money clips and unique gifts for her: 4 leaf clover silver bracelets, four leaf clover earrings and necklaces. Searching for unique anniversary gift ideas? Choose beautiful romantic gifts for your Valentine from our Celtic Heart Collection: silver bracelets, chokers, earrings and necklaces. They make wonderful Valentines day gifts too! Take a look at our folk art yerba mate tea accessories: leather and alpaca decorated mate gourds and bombilla straws to drink yerba mate tea. They make original gifts for Dad or Fathers day . Browse through our site to find more men's jewelry or guy gifts for your boyfriend. Weddings? Discover real leaves dipped into 100% pure 24k Gold or 1000 Silver that suit perfectly well as wedding accessories. If you are looking for original wedding ideas you will see that your bridesmaids , wedding attendants, mother of the bride and mother of the groom will be delighted by our leaf wedding jewelry! Find perfect birthday gift ideas in our handmade Celtic jewelry and Welsh lovespoons. Patagonia represented the Promised Land for the first settlers who arrived from Wales in 1865. Now they live in Gaiman, the Welsh town in Patagonia. You will also find unique alpaca and silver tea infusers that are perfect as business or executive gifts. Discover beautiful handcrafted tapestries, table runners and wall hangings inspired by Mapuche (South American native) art. They are lovely presents for mom or Mother's day ! Each one is made with 100% natural wool, hand spinned in a traditional "rueca" (spinning wheel), dyed with natural vegetal materials and weaved on a hand loom. Find original Christmas decor gifts too! We are retailers of unique gifts and handmade jewelry since 1997. All of our products represent the finest quality and highest standard of craftsmanship. Every gift is individually handcrafted by creative artisans from Patagonia, one item at a time, ensuring that every piece is as individual as the person who wears it. about PatagoniaGifts | contact | return policy | shipping | testimonials | site map | resources Patagonia Gifts United Kingdom Privacy Notice 2000-2005 Patagonia Gifts . All rights reserved. Birthday & wedding anniversary gift ideas: Unique gifts, Celtic jewelry, groomsmen gifts, yerba mate tea gourds, silver bracelets, earrings, pins and necklaces.
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