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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Wedding Anniversary Gifts – Anniversary Gift Guide - Unique Gifts, Personalized Gifts, Luxury Gifts - RedEnvelope -- Gifts Anniversary Gift Guide -- Wedding Anniversary Gifts – Anniversary Gift Guide -- Find traditional and modern wedding anniversary gifts in our year-by-year anniversary gift guide. Whether you are searching for wedding anniversary gifts for a first year anniversary or a fiftieth year anniversary, finding a gift is easy and affordable when shopping our anniversary gift guide. Some of our favorite wedding anniversary gifts include wedding photo library albums, wedding mementos boxes, wedding vows towels, silver-plated frames and much more. In addition, if you are looking for that special touch for your wedding anniversary gifts, select a gift from our wedding anniversary collection that can be personalized. Give them that's as memorable as their big day. 1st Anniversary Gifts: Clocks - Paper Paper is the traditional gift for the 1 year wedding anniversary while a clock or a watch makes a modern gift choice. Our gift guide is your source for traditional or modern first year wedding anniversary gifts. 2nd Anniversary Gifts: Cotton - China Cotton is the traditional gift for the 2 year anniversary while china makes a modern wedding gift choice. Shop our year-by-year gift guide and find perfect 2 year wedding anniversary gifts. 3rd Anniversary Gifts: Leather - Crystal Leather is the traditional gift for the 3 year wedding anniversary while crystal makes a modern gift choice. Our anniversary gift guide is your source for leather or crystal 3 year wedding anniversary gifts. 4th Anniversary Gifts: Flowers - Linen Linen (silk) is the traditional gift for the 4 year anniversary while flowers makes a modern gift choice. Shop our year-by-year gift guide and find the perfect 4 year wedding gift. 5th Anniversary Gifts: Wood - Silverware Wood is the traditional gift for the 5 year anniversary while silverware makes a modern wedding anniversary gift choice. Our anniversary gift guide is your source for traditional or modern 5 year wedding gifts. 6th Anniversary Gifts: Candy - Wood Candy is the traditional gift for the 6 year anniversary while wood makes a modern wedding anniversary gift choice. Shop our year-by-year gift guide and find the perfect 6 year wedding gift. 7th Anniversary Gifts: Copper - Wool Copper is the traditional gift for the 7 year anniversary while wool makes a modern wedding anniversary gift choice. Our anniversary gift guide is your source for traditional or modern 7 year wedding anniversary gifts. 8th Anniversary Gifts: Pottery - Bronze Pottery and bronze are the traditional gifts for the 8 year wedding anniversary. Shop our year-by-year gift guide and find unique 8 year wedding gifts. 9th Anniversary Gifts: Leather - Pottery Pottery is the traditional gift for the 9 year anniversary while leather makes a modern wedding anniversary gift choice. Our anniversary gift guide is your source for traditional or modern 9 year wedding gifts. 10th Anniversary Gifts: Diamond - Tin Tin (aluminum) is the traditional gift for the 10 year anniversary while diamond jewelry makes a modern ten year wedding gift choice. Our anniversary gift guide is your source for traditional tin gifts or modern jewelry anniversary gifts. 11th Anniversary Gifts: Jewelry - Steel Jewelry is the traditional gift for the 11 year anniversary while steel is a modern wedding anniversary gift choice. Celebrate your (or someone else's) 11 year wedding anniversary with a jewelry wedding gift, or a steel anniversary gift from our gift guide. 12th Anniversary Gifts: Silk - Linen Silk is the traditional gift for the 12 year anniversary while linen makes a modern 12 year wedding gift choice. Shop our year-by-year gift guide and find perfect 12 year wedding anniversary gifts. 13th Anniversary Gifts: Textiles - Lace Lace is the traditional gift for the 13 year anniversary while textiles makes a modern gift choice. Our anniversary gift guide is your source for perfect 13 year wedding anniversary gifts. 15th Anniversary Gifts: Crystal - Watches Crystal is the traditional gift for the 15 year anniversary while watches make a modern 15 year wedding gift choice. Celebrate your (or someone else's) 15 year anniversary with a crystal wedding gift from our gift guide. 20th Anniversary Gifts: China - Platinum China is the traditional gift for the 20 year wedding anniversary while gold makes a modern anniversary gift choice. Shop our year-by-year gift guide and find the perfect 20 year wedding gift. 25th Anniversary Gifts: Silver Silver is both the traditional and modern gift for the 25 year wedding anniversary. Celebrate your (or someone else's) 25 year anniversary with a silver wedding gift from our gift guide. 30th Anniversary Gifts: Pearl Pearls are the traditional and modern gift for the 30 year wedding anniversary. Shop our year-by-year gift guide and find the perfect 30 year wedding gift. 35th year: coral - jade 40th Anniversary Gifts: Ruby - Garnet Rubies are the traditional wedding anniversary gift for the 40 year anniversary while garnets are the modern gift choice. Shop our year-by-year gift guide and find great 40 year wedding gifts. 45th Anniversary Gifts: Sapphire Sapphires are the traditional and modern gift for the 45 year wedding anniversary. Shop our anniversary gift guide and find great 45 year wedding anniversary gifts. 50th Anniversary Gifts: Gold Gold is the traditional and modern gift for the 50 year wedding anniversary. Shop our anniversary gift guide and find great gold wedding anniversary gifts. 55th Anniversary Gifts: Emerald - Turquoise Emeralds are the traditional gift for the 55 year anniversary while turquoise make a modern wedding gift choice. Shop our anniversary gift guide and find the perfect 55 year wedding gift. 60th Anniversary Gifts: Diamond - Gold Diamonds are the traditional gift for the 60 year wedding anniversary while gold make a modern anniversary gift choice. Shop our anniversary gift guide and find unique diamond wedding anniversary gifts. -- Featured Products: copper fire pit celtic eternity bracelet i love you with all of my heart monogrammed credit card light diamond four-leaf clover Our wedding anniversary gifts range from a Monogrammed Chenille Throw to more traditional wedding anniversary gifts such as our Personalized Champagne Toasting Flutes . Because we often offer exclusive wedding anniversary gifts you can rest assured your wedding anniversary gifts will be extraordinary.Whichever anniversary gift you choose, the recipient will love your wedding anniversary gift for years to come. View our other gift collections: baby gifts , business gifts , wedding gifts , graduation gifts , gifts for her , gifts for men , birthday gifts , gifts for dad , jewelry gifts , new baby gifts , gifts for mom , affordable gifts , anniversary gifts , gifts for him , gifts for women , new baby gifts , men's accessories , wedding anniversary gifts. -- Gifts by Occasion • Gifts by Recipient • Online Gifts by Shops • Corporate Gifts Last Minute Gifts • Anniversary Gift Guide • Birthflowers Gift Guide • Birthstones Gift Guide -- ©2005 RedEnvelope, Inc. All rights reserved. The RedEnvelope mark and logo are trademarks of RedEnvelope, Inc. Index .

shower gifts, as well

Bridal Showers - Pre-Wedding Parties Front Page - Features Unique Wedding Ideas Wedding Forum Ask Fran Customs & Traditions Wedding Etiquette Planning Your Wedding Wedding Planner Honeymoon Checklist Local Wedding Vendors Punch Recipes Who Pays for What Mother of the Groom Mother of the Bride Maid of Honor Best Man Thank You Cards The Invitation Honeymoon Checklist Discovering The Past Around The World Engagement Customs Pre-Wedding Party Bridal Showers Choose Your Gown Ceremony Timetable Wedding Survival Kit Calendar of Events Children in the wedding Customizable Wedding Planner Infant Specialties Contact Us Advertise Wedding Vendors - get listed . All Accessories Wedding Invitations Bookmarks Cake Servers Cake Tops Ceremony Essentials Coasters Decorations Favors Garters Gifts Thank You Notes Reception Essentials More The Music of William Jenks Classical Guitar music perfect for your wedding. Free Downloads - Click here OurMarriage.com Home > Planning your wedding > Pre-wedding parties > Bridal Showers Pre-Wedding Parties The Bridal Showers The Bridesmaid Luncheon The Bachelor Party The Wedding Breakfast The Bridal Brunch The Rehearsal Dinner Bridal Showers Traditionally, bridal showers are given by the maid/matron of honor, or close friend of the bride. It is not proper for an immediate family member of the couple to host the shower . To do so, would appear they were asking for gifts and is not in good taste. The party itself may be scheduled at any time convenient for the bride and her hostess, although the last week before the wedding is considered poor planning. There are so many last minute details, that a shower would likely be more stressful than joyful. Showers are known as parties with a purpose. The purpose of a shower is to assist the couple in equipping their new home or for the bride to assemble a trousseau. Showers today, often surround a particular party theme. Recipe showers, kitchen showers, bath showers, lingerie, linen and garden or camping showers...the possibilities are endless. As might well be expected, kitchen showers have long been the most popular shower theme, because of the endless range of paraphernalia every newlywed couple needs to set up housekeeping. Novice cooks, especially those who have never kept house before, need everything from pots and pans to mops and brooms. One variation of the kitchen theme has each guest including their favorite recipe, along with an item needed to prepare that recipe. As an example, a flour sifter or hand mixer with a cake recipe. Muffin tins alongside a recipe for pop overs. Rock salt, when giving an ice cream maker. Use your imagination. When requesting favorite recipes as part of the shower planning, it is a good idea for the hostess to send uniform, ready to use, recipe cards in the invitation. A recipe box is then given to the bride during the shower, to begin assembling her favorite recipes. Lingerie showers are a favorite of the bride, especially when she is honored with more than one party. Long, frilly, sexy nighties, baby doll pajamas, lacy bra's and panties, one piece body huggers, are all terrific ideas for gift giving. Sewing accessories, closet or drawer organizers, certificates for special services, such as beauty treatments, hair care products or nail enhancement are also perfect gifts given at a lingerie shower. It is the job of the hostess to plan a party that compliments both the theme and her guests. Be sure when several showers are planned, the guest list is different for each one so no one ends up feeling obligated to attend and buy several shower gifts, as well as a wedding gift. When the bride lives in a small town or community it is considerate to suggest people join together to host one shower, rather than several small ones. Showers are almost always informal gatherings with a simple menu and often only include cake, mints and punch. The hostess issues invitations by telephone, mail, or in person. It is considered in poor taste to invite people who do not personally know the bride, although, they may be friends of her family or fianc. However, etiquette for the 90's allows exceptions to every rule. A shower may be the time, chosen by the mother of the groom, for instance, to bring family and close friends to meet her prospective daughter-in-law. Showers are not times to call in social obligations. During the shower, games are played for fun and entertainment. You can find notebook style, pads of games to play at your local card shop or dream up your own. Ideas include, a small basket of kitchen utensils with 15 to 20 items, shown to the guests for 30 seconds, then removing the basket and asking them to write down everything they remember seeing. Writing the full, soon to be married name of the bride, across the top of a page, and seeing how many words can be made from the name in four or five minutes is another popular choice. Of course, in both instances, the person with the highest number wins the prize. Be sure to have a couple extra gifts on hand for those times when two or more are the winners. It is also fun to give each guest a clothes pin, to clip on their lapel, with instructions they are not to cross their legs during the party. If caught crossing their legs, the person catching them, gets their clothes pin. The one left holding the most pins at the end of the party, wins a prize. One further point needs to be made concerning the guest list for a shower invitation. The thoughtful bride, who has planned a formal wedding, also sees to it, if possible, that people not invited to the wedding, are not put in the position of being invited to a shower. Every guest will bring a gift. It would be in very poor taste to ask someone to bring a gift for a bride who has not chosen to invite that individual to her wedding. Traditionally, shower gifts are smaller and rather less expensive than wedding gifts. As a courtesy to family and friends, it is a good idea for the couple to register their preferences in the gift registry department of their favorite store. If you have ever tried to decide on just the perfect gift for someone, and didn't have a clue as to their likes and dislike, you will understand the thoughtfulness of a gift registry. Be sure to include small, inexpensive items, such as kitchen towels, wooden spoons, or hot pads, as well as larger items, such as blenders, toasters, bread makers, and coffee machines. Elderly guests may be on a fixed income, and a very limited budget, but also appreciate knowing the gift they buy is something truly desired and appreciated. Thus, the purpose of registering small, inexpensive items. And last, but hardly least, a mention of sending thank you cards, (also see "How to Write a Thank You Card") must be included in our discussion of bridal showers. At one time, notes were not considered necessary when you thanked someone in person. Today, with showers being larger and guests busier, a personal note is the only way to make sure sincere appreciation is expressed. A unique idea for sending thank you cards begins as the guests arrive and register for a door prize by filling out her name and mailing address on "thank you" envelopes. The door prize winner is drawn at the end of the shower from the envelopes which are then given to the bride. This enables the bride to more quickly send out her thank you cards, and eliminates returns due to incorrect addresses. For more information on this and other related topics see Ask Fran OurMarriage.com Home > Planning your wedding > Pre-wedding parties > Bridal Showers OurMarriage.com respects your privacy. See our privacy policy Unique Wedding Ideas: | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 12 | 13 | 14 | 15 | 16 | 17 | Submit your own unique wedding Idea. Wedding Customs || Ask Fran || Forum || Wedding Planner || Wedding Etiquette Unique Wedding Ideas || Planning Your Wedding || Newsletter || Honeymoon || Home © 1998- 2005 OurMarriage.com All Rights Reserved. 360 Wedding Invitations- Click here Infant & Children's Specialty Appare l Christening Gowns and more. 78 page fully printable & customizable wedding planner for only $4.95 No ads or annoying borders. This planner has a simple and clean look that you can customize to your own liking. Print as many pages as you need! Plus! Download 125 additional unique wedding ideas not posted on our website... Free with planner! Click here "Brides Against Breast Cancer" Making Memories Breast Cancer Foundation launches National Wedding Gown Collection Drive. Click here

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