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

Housewarming Gift Get $5

House Warming Gift Ideas, Housewarming Gifts - FindGift.com Personalize FindGift.com! -- Login | Sign Up | List of Services Gift Ideas Gift Registry Gift Shops Gift Bookmarks Home | Help keyword search Gift Giving Made Easy! A free service dedicated to helping you find creative gift ideas! Home Occasions House Warming Refine Search for House Warming Gift Ideas House Warming for Him for Her for a Couple Gift Baskets Any Price $0 - $10 $11 - $25 $26 - $50 $51 - $100 $101 - $200 $200+ Use our Gift Wizard to customize your gift search Use our Gift Finder to find gift ideas customized to the likes/dislikes of the recipient. Personalized Gifts Wide selection personalized free! Preview online - shop today & save! www.PersonalizationMall.com Stylish Housewarming Gift Get $5 OFF orders of $50 or more Coupon code 5OFF50 (exp 9/30) www.wrapables.com Viewing 1 - 10 of 8415 gift ideas found Home Sweet Home Housewarming Gift Basket from Warm Sentiments ($41.99) There is nothing quite like your first night in a new home. It is hard to find a gift to equal that feeling. We have created a remarkable gift basket especially for you to send housewarming greetings. Questions? Contact Warm Sentiments . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] "Home is Where Your Story Begins" Plaque from Femail Creations ($29.00) No place like it. "Home is where your story begins." I just love that saying! For it truly is where our story begins and were we start to grow into who we are. We are proud of our products that are handcrafted in the USA. Questions? Contact Femail Creations . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] New Home Personalized Cartoon from Personalized by Annette ($10.95) New Home cartoons come matted, 8 x 10, in your choice of matte color. The Sign (3 lines) can be personalized. This cartoon can also be ordered as a snowglobe, key chain, magnet or mouse pad. Questions? Contact Personalized by Annette . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] Money Tree from RedEnvelope ($38.00) The road to prosperity is paved with hard work, determination and one or two of these bright green trees--at least according to Feng Shui masters, who believe in the plant's power to deliver wealth and good fortune. Questions? Contact RedEnvelope . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] Don't Break The Bottle Wooden Wine Puzzler from Future Memories ($23.95) Don't break the bottle is an ingenious gift idea for that "perfect host". To enjoy the fruit of your labour, you must first release the wine bottle from the wooden enclosure. Questions? Contact Future Memories . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] Customized Housewarming Keepsake from PoetryGift.com (priced within $25.00 - $49.99) Special housewarming keepsake personalized with name, address, personal message and optional photo. Free shipping FREE SHIPPING available for any order. Special 10% discount by entering coupon code - poetrygift - on order form Questions? Contact PoetryGift.com . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] Hand-drawn Pencil Sketch Based on Their House's Photo from myDaVinci ($49.95) Give a truly personalized gift for House Warming. Imagine your house photo as a hand-drawn pencil sketch by our professional artists. Preview your sketch online. Free revisions. Free Shipping and Satisfaction Guarantee. FREE Shipping and Satisfaction Guarantee on all orders! Questions? Contact myDaVinci . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] New Home Gift Box- Medium from A Gift to Remember, LLC ($29.95) A variety of shortbread, coffee, nuts, chocolate covered popcorn, chocolate covered pretzels, and a Ghirardelli chocolate bar will certainly help them find the energy to move into their new home. We do all the work! Easy, convenient, & quick ordering process. Send a classy, elegant gift to show how much you care. Questions? Contact A Gift to Remember, LLC . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] Personalized Pub/Tavern Sign from Simply Sublime ($45.95) A fun way to personalize your rec room, bar, or personal getaway spot. Our 12"x18" tavern sign makes a great gift for Fathers day, perfect for groomsmen gifts, or for that hard to buy for person in your life. Personalize any of the text! No extra charge per letter. Christmas Delivery Deadline: December 1st Questions? Contact Simply Sublime . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] Stainless Steel Soap from Wishingfish.com ($10.00) As seen in DailyCandy! This is definitely not your ordinary soap. Made of solid stainless steel with a lustrous matte finish, this quirky little item belongs in every cook's kitchen. Questions? Contact Wishingfish.com . Add to Gift Bookmarks Add to Registry [ More Gifts from this store ] [ People Who Liked This Gift Also Liked ] [ Report Error ] Page: 1 | 2 | 3 | 4 | 5 | viewing 1 - 10 of 8415 gift ideas found Bosses Day Oct 16, 2005 24 Shopping Days Left Bosses Day Gift Ideas Sweetest Day Oct 15 Halloween Oct 31 More Holidays Seasonal Gifts Wedding Gift Ideas Anniversary Gift Ideas Autumn Theme See this month's Top 20 Gift Ideas Gift Helpers » Anniversary Gifts » Flower Meanings » Monthly Flowers » Monthly Birthstones » Signs of the Zodiac » Additional Resources FindGift.com Newsletter Sign up to receive seasonal and unique gift ideas via email. Email Address Merchant Login | Add Your Products to FindGift.com | Press Room | FAQs | Contact FindGift.com Conditions of Use | Privacy Policy | Site Map © 1997-2005, Registry Online, Inc. FindGift.com and its logo are trademarks of Registry Online, Inc.

Giftcenter & Jewelrymart will

San Francisco International Gift Fair THE ENTIRE SAN FRANCISO FAIR UNDER ONE ROOF IN FEBRUARY! New Schedule, New Division, New Fun and Excitement!! We’re consolidating the SFIGF UNDER ONE ROOF at Moscone Center, beginning with the February 2006 Fair. You’ll find new product neighborhoods featuring specific merchandise categories to make shopping and selling easy for everyone. With the closure of the Concourse Convention Center, the exhibit floor will be packed to the brim with the season’s most cutting-edge designs. You will find former Concourse exhibitors throughout Moscone Center South Hall – with the exception of the popular GardenStyle, which will be re-located to the North Hall, next to the At Home division. In addition, the timing of the San Francisco market will be concentrated into 4 days, as the Fair will close at 2:00 pm on Tuesday, February 7, and since there will be one day less to shop—you’ll want to be sure to plan your time wisely to see the entire market and enjoy your time in the City By The Bay. Don’t forget to shop PetStyle – a new product division in Moscone Center South Hall and add fresh, new profit-making products to your merchandise mix. This new division was met with great enthusiasm in the summer market. Pets are a $34 billion a year industry, and you’ll want to cash in on the latest products for our four-legged friends! The permanent showrooms of the Giftcenter & Jewelrymart will still be connected by free and frequent shuttle service during the February 2006 Fair - operating on Saturday through Tuesday Fair days. COME FOR THE FAIR…STAY FOR THE CITY! There’s so much to love about America’s favorite city…the vistas, the landmarks, the cuisine, the culture…and now an entirely NEW San Francisco International Gift Fair®! Show Hours 9:00 am – 6:00 pm, Saturday - Monday 9:00 am – 4:00 pm, Tuesday (Show Closes Tuesday, 4:00pm) Registration Hours 8:30 am - 5:30 pm, Saturday - Monday 8:30 am - 3:30 pm on Tuesday Pre-Fair Registration at the Giftcenter & Jewelrymart 8:30 am - 5:30 pm — Wednesday, Feb 1 thruFriday, Feb 3 Location Moscone Center San Francisco, CA Buyer Registration Phone: (800) 346-1212 The San Francisco International Gift Fair® February 4-7, 2006 Apply To Exhibit Here Buyers: Register Here --

Top Ten Gifts

Listmania! Top Ten Valentine's day Gifts for Guys Under $50/- 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! Top Ten Valentine's day Gifts for Guys Under $50/- by Arjun Kansiawala , The New Guy. E-mail this list to a friend 1. 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Favorite Films : A list by E. Calise, Actor The bestest mostest coolest movies EVER(est) : A list by Shadow, Eljimbo Add your list Related So You'd Like to... Create a guide Know what dvds sell best on amazon : A guide by Debbie F. Gibbs, movie watcher Calculate Your Taxes and Spend Your Refund : A guide by wheeler_dealer, Software Guy Protect yourself from the Evil Spyware Empire : A guide by gAmE_bOi, gAmE bOi from the Amazon message boards Protect Your Windows PC from Viruses, Worms & Hackers : A guide by wheeler_dealer, Software Junkie Protect Your PC from Viruses, Spyware, Spam or Hackers 2005 : A guide by wheeler_dealer, Software Guy buy all the really cool electronic gizmos : A guide by Joseph Dewey, someone with a bunch of cool gizmos how many picture you can store on a Secure Digital Card? : A guide by erk2, Digital Film User give your grandchildren some good books for life : A guide by joe_whatsayee@yahoo.com, one grandchild so far 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? 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Christmas gifts that will

Christmas Gifts for Kids to Make Home Parties Crafts Play Recipes Family Holidays Party Store Children's Books Craft Kits Favorite Toys Links to Visit Free Newsletter Gifts Kids Can Make Easy homemade gift ideas with free instructions that kids from preschool through high school, can make on their own. Click here to select the age group that suits your needs... We also offer Kits for Hand-Made Gifts These hand-made gift kits are fun and easy to use. Everything your child needs is included which saves you time this holiday season! Your child will glow with pride when they give a present made with love! Click here>> Easy Holiday Craft Kits - complete kits make holiday crafting fun and easy for the entire family! Many of these craft kits make great gifts from kids... click here>> Select the Age Group that suits your needs 2 - 6 Years Gifts little ones can make that are simple yet fun. Let your children begin to explore their creative side. 6-8 Years An age when children express their individuality! These ideas allow for the space your child needs to create. 9 and up Older children are capable of more detail and less supervision. They love to socialize. Consider hosting a Craft party with neighbors or friends from school. SPECIAL OFFER: Free Shipping @ joann.com! ($25 order minimum) Use promo code DECFSA425 Recommended craft supplies... For holiday crafts and handmade Christmas presents. Craft stores are too crowded this time of year - order easily online Click Here >> Personalized Christmas Cards & Gifts Unique personalized Christmas gifts that will be treasured forever. Create lasting memories this Christmas season with our PERSONALIZED ornaments, cards, frames, stockings, keepsakes and other unique personalized gifts! Free personalization, huge selection & fast shipping! CLICK HERE TO SHOP More Christmas Crafts Christmas Page Home Page Daily Stops Birthday Parties Arts & Crafts Family Activities Boredom Busters Recipes for Children Baking Tips for Kids Holiday Ideas Free Newsletter Holiday Crafts for Kids By Amazingmoms.com $6.95 ContactUs l Advertise l Linkto Us l About Us l Privacy l Newsletter 1999 - 2005 Amazingmoms.com http://www.amazingmoms.com All Rights Reserved. Content property of Amazingmoms.com, unless otherwise specified. Duplication, distribution or other uses by permissiononly.