housewarming gift. As fun

HowStuffWorks Shopper - Gifts And Collectibles Products Home Cars Computers Electronics Home & Garden Jewelry Video Games More... What are you shopping for? in All Categories Books Books Miscellaneous Cars Clothing and Accessories Computers Electronics Event Tickets Flowers and Gifts Health and Beauty Home and Garden Jewelry and Watches Kids and Family Magazines Miscellaneous Movies Movies Miscellaneous Music Music Miscellaneous Musical Instruments & Accessories Office Sports and Outdoors Video Games Home Flowers and Gifts Gifts and Collectibles Learn How Hair Coloring Works Many folks color their hair without knowing what's happening -- find out all about it in this article! more 14 Ways To Get Rid Of Acne Whether you're a teen or an adult with acne, you don't have to simply put up with it. Here are 14 ways to get rid of acne. more Compare & Shop Best Matches Store Rating Price Sort By Squash U - In House 2005 Album Stationery Invite friends and family to your housewarming party or kitchen shower with this white flat card featuring a dull gray kitchen. The back of the card is adorned with a colorful version of the same kitchen stocked with all the necessities.Colors in Quality stationery products for every life event Rating Want more info? Click on the picture! $123.00 from Mini B's Housewarming Cookie Basket Cookie basket features four mouth watering flavors...decadent Double Chocolate Fudge, Snicker Doodle, Oatmeal Raisin and Chocolate Chip (no nuts). Approximately 100 cookies are included. 10 12 servings. Thank You Gift Baskets Rating Want more info? Click on the picture! $71.99 from 100 Personalized Invitations (71-111) Housewarming invitation / moving announcement has cardboard boxes holding household items for kitchen, bedroom and bathroom.Lime green and white stripes and silver accent border.Please specify when ordering, if you would like any wording larger.Bright white enclosure cards available. Rating Want more info? Click on the picture! $176.00 from Fitzgraphics - All Occasion! Album Stationery Share your new address or invite friends and family over for a housewarming party with this white flat card adorned with lime green stripes. The blue, red and green house die cut adds the finishing touch. Quality stationery products for every life event Rating Want more info? Click on the picture! $202.00 from 100 Personalized Invitations (71-9) We've Moved or Housewarming invitation/announcement has household items and furniture with a purple and silver border.Bright white enclosure cards available. Rating Want more info? Click on the picture! $176.00 from Doc Milo - In House Album Stationery Invite your friends to your housewarming party with this red bordered flat card. Quality stationery products for every life event Rating Want more info? Click on the picture! $106.50 from Mini B's Housewarming Cookie Basket Cookie basket features four mouth watering flavors...decadent Double Chocolate Fudge, Snicker Doodle, Oatmeal Raisin and Chocolate Chip (no nuts). Approximately 100 cookies are included. 10 12 servings. Thank You Gift Baskets Rating Want more info? Click on the picture! $71.99 from Doc Milo - In House Album Stationery Say thank you for all of your housewarming presents with this green, fold over note card featuring boxes and household items as they're being unpacked. Colors in the design on the card include: green, brown, yellow, teal, magenta, white, black, b Quality stationery products for every life event Rating Want more info? Click on the picture! $100.50 from 100 Personalized Invitations (4CBR-ATB-A) House design on front, perfect for new address announcement or housewarming party.Design and wording on invitation/announcement will be printed in one ink color of choice.Bright white enclosure cards without a design. Rating Want more info? Click on the picture! $73.50 from Hearty Housewarming Cookie Gift Bouquet (9 Cookies) Corso?s Cookie Gift Bouquets are made from delicious butter crème cookies, baked fresh each day and individually hand-decorated by one of our icing artists. Each bouquet is wrapped and packaged with delicate care to insure it arrives safe and sound into your recipient?s hands. Rating Want more info? Click on the picture! $59.95 from 100 Personalized Invitations (4CBR-BPK-G) Invitation / Announcement has moving boxes and is perfect for a moving announcement or housewarming party.Design and wording on invitation/announcement will be printed in one ink color of choice.Bright white enclosure cards without a design. Rating Want more info? Click on the picture! $73.50 from Putnam House - Putnam House - In House - Stationery This flat card features a house blueprint. Perfect for a moving card or housewarming party. Colors in the design on the card include: blue and light blue. Quality stationery products for every life event Rating Want more info? Click on the picture! $106.50 from 100 Personalized Invitations (4CBR-BQH-E) Announcement has an house design with open doors. Great for a moving announcement, open house or housewarming party.Design and wording on invitation/announcement will be printed in one ink color of choice.Bright white enclosure cards without a design. Rating Want more info? Click on the picture! $73.50 from Lenox Housewarming Candlesticks, Pair Crafted of Lenox ivory fine china : Accented with 24 karat gold : Lenox, lenox, lennox, cystal, flatware, collectibles, collections, china, gifts, gift, Rating Want more info? Click on the picture! $49.95 from New Home Decorated Titanic Fortune Cookie This Titan of a Cookie is decorated to celebrate a New Home in a larger-than life way?It weighs in at just under 1 pound and is almost the size of a football! This cookie is first hand dipped in your choice of the finest gourmet Belgian Chocolates---(Dark, Milk, or White)---delicious gourmet Confe... Rating Want more info? Click on the picture! $27.95 from Wine Couple What a great gift for the fun loving couple! This whimsical wine girl and guy love to keep drinks at hand. Made from all hand-forged&formed steel, they are great for a wedding or housewarming gift. As fun as they are functional - they are sure to delight. Rating Want more info? Click on the picture! $85.00 from Absecon, NJ - Harbour Lights - North Atlantic Region - HL277 Free Shipping Available. Absecon, NJ Entire Harbour Lights at GoCollect.com, The Web's Widest Selection of Collectibles & Gifts. Item # HL277 The Father of Atlantic City, Dr. Jonathan Pitney, loved his new home in the Absecon area. He enjoyed it so much that he invited all his friends to come and v... Rating Want more info? Click on the picture! $72.95 from New Home Wishes Gift Basket A collection of gourmet treats, the Gourmet New Home Wishes gift basket makes an elegant--and tasteful--offering. Rating Want more info? Click on the picture! $49.99 from Lenox Housewarming Treat Bowl Crafted of Lenox ivory fine china : Accented with 24 karat gold : Lenox, lenox, lennox, cystal, flatware, collectibles, collections, china, gifts, gift, Rating Want more info? Click on the picture! $39.95 from Gourmet Soup Gift Basket Welcome at a housewarming because it actually warms the house!This unique basket celebrates the ancient art of soupmaking with two legendary recipes: Harvest Vegetable and Potato Corn Chowder. Makes a welcome gift, too, because theyre so easy to fix: Just add water, heat them up, and simmer until th... Rating Want more info? Click on the picture! $49.95 from Products 1 - 20 of 70 First - 1 2 3 4 - Last Prev Next Prices are provided by the merchants. We assume no responsibility for accuracy of price information provided by merchants. Please alert us to any pricing discrepancies and we will alert the merchant. Sales taxes are estimated at the zip code level. Shipping costs are estimates. Please check store for exact shipping costs. To learn more about why certain stores are listed on the site, click here. 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Gifts for Men Here

Unique Gifts 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. Unique Gifts Men Articles Unique Fathers Day Gifts for the Man Who Has Everything Looking for a very unique gift for the father who thought he had everything? This is the place to come for the out of the ordinary gift for your dad or granddad for Fathers Day....( Continue Reading ) Unique Fathers Day Gifts for the Man Who Has Everything Looking for a very unique gift for the father who thought he had everything? This is the place to come for the out of the ordinary gift for your dad or granddad for Fathers Day....( Continue Reading ) Cooking Gifts for Men Here are some gifts for men who really cook, from barbecue gear and grills to great coffee and fine steaks....( Continue Reading ) Top 5 Caribbean "Gifts" for Men If you're looking for a special gift for an island-loving Dad, try one of these gift ideas to make his day the greatest....( Continue Reading ) Arizona Products and Gifts for Men Arizona gifts for the man on your list....( Continue Reading ) Unique Gifts Men Directory Links first birthday gifts traditional birthday gifts gifts for fathers wholesale gift baskets unique gifts for dad gift baskets nuts handmade gifts gag gifts for men spencer gifts inc crafts for christmas gifts good housewarming gifts how to make christmas gifts 50th wedding aniversary gifts most popular christmas gifts gift baskets for sale personalized baptism gifts gifts for college grads new born baby gifts birthday baskets christmas gifts ideas good valentine gifts custom gifts spencer gifts com milestone birthday gifts gifts for boyfriends gifts unusual holiday office gifts gifts for wedding anniversary christmas candy gifts 45th anniversary gifts gifts for first holy communion easter gifts six month anniversary gifts southwest gift baskets anniversary gift baskets birthday gifts for girlfriend business gifts gifts from india personalized gifts for her gift baskets nyc simple gifts music send diwali gifts to india elegance gift baskets third year anniversary gifts send flowers 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

Great Gifts for Kiddos

Listmania! Great Gifts for Kiddos 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! Great Gifts for Kiddos by peppermint-pattie , mom and child at heart E-mail this list to a friend 1. Sweet Streets School by Fisher-Price (Toy) Average Customer Review: Availability: This item is currently not available. Customers also shopped for these similar items . 2. Disney Princess Storybook by Fisher-Price (Toy) Average Customer Review: Availability: This item is currently not available. Customers also shopped for these similar items . 3. Mr. Potato Head Darth Tater by Hasbro (Toy) Offered by: Toys"R"Us Buy new : $8.99 Availability: Usually ships in 24 hours peppermint-pattie's comments: Draw in whole new generation of Star Wars fans. 4. Dora the Explorer Gift Set: Dora's Casa Talking Doll House Furniture Set - Bedroom, Bathroom , Media Room, Living Room by Fisher-Price (Toy) Offered by: Toys"R"Us Buy new : $39.99 Availability: Usually ships in 24 hours 5. Bratz Collector's Edition - 4th of July by MGA Entertainment (Toy) Average Customer Review: Availability: This item is currently not available. Customers also shopped for these similar items . 6. Musini - MagicSensor by Neurosmith (Toy) Average Customer Review: Offered by: Imaginarium List Price: $39.99 Buy new : $19.97 You Save : $20.02 (50%) Availability: Usually ships in 24 hours 7. Because of Winn-Dixie (Because of Winn-Dixie) by Kate DiCamillo (Paperback) Average Customer Review: List Price: $5.99 Buy new : $5.99 Availability: Usually ships in 24 hours Used & new from $1.60 peppermint-pattie's comments: Watching the movie has made my kids want to read the book. 8. A Treasure's Trove : A Fairy Tale about Real Treasure for Parents and Children of All Ages by Michael Stadther (Paperback) List Price: $19.95 Buy new : $13.57 You Save : $6.38(32%) Availability: Usually ships in 24 hours Used & new from $9.60 9. 100 Puzzles, Clues, Maps, Tantalizing Tales, and Stories of Real Treasure by Michael Stadther (Paperback) List Price: $12.95 Buy new : $10.36 You Save : $2.59(20%) Availability: Usually ships in 24 hours Used & new from $6.35 10. Kitten's First Full Moon by Kevin Henkes (Illustrator) (Hardcover- March 2004) Average Customer Review: List Price: $15.99 Buy new : $10.87 You Save : $5.12(32%) Availability: Usually ships in 24 hours Used & new from $6.90 11. The Fairy Chronicles Book One : Marigold and the Feather of Hope by J.H. Sweet (Paperback) List Price: $12.95 Buy new : $12.95 Availability: Usually ships in 24 hours Used & new from $11.64 peppermint-pattie's comments: I recommend you print some of the free eBooks of this series and put them in folders for your kids. My daughter rereads the ones I have printed for her. Anything to get them to read. 12. Ocean Wonders Aquarium (Toy) Average Customer Review: Availability: This item is currently not available. Customers also shopped for these similar items . peppermint-pattie's comments: Great baby shower gift. 13. 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 14. LeapStart Learning Table by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium List Price: $44.99 Buy new : $39.99 You Save : $5.00 (11%) Availability: Usually ships in 24 hours 15. Gymini Super Deluxe Light and Music by Tiny Love (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $59.99 Availability: Usually ships in 24 hours 16. Aquadoodle by Spin Master (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $29.99 Buy new : $19.99 You Save : $10.00 (33%) Availability: Usually ships in 24 hours 17. Lamaze: Multi-Sensory Clutch Cube by Learning Curve (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $12.99 Availability: Usually ships in 24 hours 18. Fridge Phonics Magnetic Letter Set by LeapFrog (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $19.99 Availability: Usually ships in 24 hours 19. Dora the Explorer: Dora's Talking Dollhouse with Lights, Sounds, Music and Diego, Boots & Swiper Figures - Exclusively at Toys"R"Us! by Fisher-Price (Toy) Offered by: Toys"R"Us List Price: $59.99 Buy new : $54.99 You Save : $5.00 ( 8%) Availability: Usually ships in 24 hours peppermint-pattie's comments: Dora is always wonderful. 20. My First Purse by I-Play Outdoors (Toy) Average Customer Review: Offered by: Imaginarium Buy new : $12.99 Availability: Usually ships in 24 hours 21. 20 Questions Handheld Game by Radica Games (Toy) Average Customer Review: Offered by: Toys"R"Us List Price: $13.99 Buy new : $10.99 You Save : $3.00 (21%) Availability: Usually ships in 24 hours 22. Lunar Lander Model (10029) by LEGO Systems, Inc (Toy) Availability: This item is currently not available. Customers also shopped for these similar items . 23. Where the Wild Things Are by Maurice Sendak (Illustrator) (Hardcover) Average Customer Review: List Price: $16.95 Buy new : $10.97 You Save : $5.98(35%) Availability: Usually ships in 24 hours Used & new from $5.55 24. Guess How Much I Love You (Guess How Much I Love You) by Sam Mcbratney, Anita Jeram (Illustrator) (Board book) Average Customer Review: List Price: $6.99 Buy new : $6.99 Availability: Usually ships in 24 hours Used & new from $0.32 25. The 7 Habits of Highly Effective Teens Workbook (The 7 Habits) by Sean Covey (Paperback- December 1999) Average Customer Review: List Price: $5.00 Buy new : $4.50 You Save : $0.50(10%) Availability: Usually ships in 24 hours Used & new from $1.95 Create your own list! See the Best Lists Top 100 Listmania lists Search Listmania lists More about peppermint-pattie Related Listmania! Add your list great toys and gifts : A list by Amber, mother of two Please the Whole Crew : A list by eleanor-and-desiree, friends, aunts, fun people excellent toys : A list by Angela, mother Very Good Toys For Kids : A list by Brittany, student Add your list Related So You'd Like to... Create a guide have a happy baby : A guide by AVij, Baby Researcher The Wonders of Your Baby's Brain : A guide by AVij, Baby Researcher Support Baby Development : A guide by AVij, Baby Researcher Have a Genius Baby : A guide by AVij, Baby Researcher Develop Your Child's Self Confidence : A guide by AVij, Baby Researcher buy stimulating toys for baby : A guide by Stacy Harrington Collins, Hayden & Sage's mom, update 12/26/04 HAVE FOOD, FUN, AND FANTASY : A guide by Betty Dravis, author who's becoming a star! get ideas on what to buy a girl 1-3 yrs : A guide by M. 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Gifts For Women Articles

Best Christmas 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. Best Christmas Gifts For Women Articles Gifts for Walking Women Top picks for gifts for walking women for birthdays, holidays, Christmas and Mothers Day....( Continue Reading ) Great Looking Robes See our choices for the best looking women's robes in terry, velour, fleece, snuggles, sexy satins, soft cashmere and silk, in a range of under $25.00 to pure, but expensive, luxury....( Continue Reading ) Belz Outlet Mall I Finding the Best Buys at Central Florida's Outlet Malls...( Continue Reading ) Buying a Sewing Machine Sewing machines can be bought at many locations, so where do you start? Read about your options here....( Continue Reading ) The Perfect Travel Gift If the object of your affection is heading for Canada, or if they are already here, to another part of Canada, here are some practical and some whimsical gifts that could be considered....( Continue Reading ) Best Christmas Gifts For Women Directory Links gift baskets flowers gifts for expectant mothers making easter baskets first anniversary gifts wedding anniversary gifts for each year funny christmas gifts gifts for the wedding party third year anniversary gifts horse gifts small gifts christmas gifts for mom and dad christian mothers day gifts free gifts for kids virtual gifts gift fruit baskets gardening gifts unusual holiday gifts send gifts to india from usa romantic gifts for women wedding gifts houston anniversary and gifts inexpensive wedding gifts romantic gifts for her longaberger easter baskets gifts for teachers homemade valentines gifts gift baskets in north carolina north star christmas and gifts wedding attendents gifts original baby gifts cool gifts preschool mothers day gifts native american baskets simple gifts song shopping baskets unique educational gifts spiritual gifts discernment 40 year old gag gifts gifts for special occasions best gifts 2002 1st anniversary gifts graduation gifts for her last minute valentines gifts gifts for best friend wedding groomsmen 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

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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