Jewelry Gifts, "Swirl" Ring

Silver and Gold Jewelry Valentines Day Gifts at Jewelry Crossings main store Fine Jewelry Gifts Pearl Gold Jewelry Gifts, "Swirl" Ring A fine 8mm cultured pearl is caught in an extravagant swirl of textured 14K yellow gold. The texture continues around the shank of the ring. Back of the shank is polished gold. Can be made in any size. $750 more info... Holiday Jewelry Gifts The Gift Of Giving "Happiness comes from giving, not getting. If we try hard to bring happiness to others, we cannot stop it from coming to us also. To get joy, we must give it, and to keep joy, we must scatter it." - John Templeton Say it with jewelry gifts! more special day jewelry gifts... Silver and Gold Jewelry Gifts Why do Jewelry gifts make such great Gifts? Jewelry Gifts last forever Jewlery Gifts look beautiful A Custom Jewelry Gift is personal Unique Gifts are treasured Jewelry Presents make the holiday! Earrings look like hearts! Jewelry Gifts really sparkle! ® Dictionary -- January Birthstones - Garnet Click here for our Birthstone Jewelry Gifts Page Garnet Facts and Fun Garnet Dictionary.com Definition: 1.Any of several common, widespread aluminum or calcium silicate minerals occurring in two internally isomorphic series, (Mg, Mn, Fe)3Al2Si3O12 and Ca3(Cr, Al, Fe)2Si3O12, generally crystallized, often embedded in igneous and metamorphic rocks, and colored red, brown, black, green, yellow, or white and used both as gemstones and as abrasives.2.A dark to very dark red. Synonyms: bittersweet, blood, bloodshot, blooming, blush, brick, burgundy, cardinal, carmine, cerise, cherry, chestnut, claret, copper, coral, crimson, dahlia, damask, flaming, florid, flushed, fuchsia, garnet, geranium, glowing, healthy, inflamed, infrared, magenta, maroon, pink, puce, redness, rose, roseate, rosy, rubicund, ruby, ruddy, russet, rust, salmon, sanguine, scarlet, terra cotta, titian, vermeil, vermilion, wine Other Jewelry Gift Ideas Emerald Leaf Necklace Reticulated sterling silver with a wash of 18K yellow gold is the background for a shimmering light green emerald. 18k gold bale gracefully extends across crinkled surface of the leaf. Necklace complete with 16" sterling silver chain. $175 On Sale more info... Golf Key Ring Your favorite golfer will love this clever key ring-a twist of the golf ball and keys are in place. $35 more info... Pink Tourmaline Diamond 14K Yellow Gold Etruscan Ring The Etruscan design of this 14K yellow gold ring beautifully captures the romance of the 7x5 pink tourmaline flanked by two diamonds weighing a total of .05 cts. $480 more info... 925 Silver Brazil Luba Pearls Men's Ruby Discovery Hot Diamonds ViewCart Checkout Privacy Help Home Contact Sitemap Company Message HOT Wishing Gifts Links Search Store Birthstones Silver Facts Jewelry Gifts

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

College Gift Aid Waldorf

College Gift < Financial Aid < Admissions < Waldorf College Financial Aid Home > Admissions > Financial Aid Search waldorf.edu Waldorf College Phone: 800-292-1903 webmaster@waldorf.edu College Gift Aid Waldorf Grants are awarded to students on a need and "no-need" basis. In addition, Waldorf annually funds numerous Special Ability Awards. Waldorf Academic Scholarships of $2,000 up to full tuition are given to students who participate in the annual Scholarship Day. To be considered, applicants must be accepted for admission and have a cumulative GPA of at least a 3.25 (minimum ACT of 17) or an ACT Test Composite score of at least 25 (minimum ACT of 17). Waldorf Honor Scholarships of $2,000 to $5,000 per year are given to full-time students (at least 12 credits per semester) with high academic achievement and potential. To be eligible, students must rank in the top 25% of their graduating class, have an ACT Composite of at least 23 (minimum of 2.5 GPA) or have a cumulative GPA of at least 3.00 (minimum ACT of 17). Special Ability Awards in Art, Athletics, Communication, Music and Drama are available for students demonstrating high achievement and potential in any of these areas. Auditions, high school records, portfolios, films and recommendations are used to select the recipients. Students who wish to apply for Special Ability Awards should request a special application form when applying for admission, in the space provided on the Application for Admission. Out of State Tuition Grants -These grants of $1,000 are awarded to students from states other than Iowa who demonstrate the same financial need as Iowa students who receive the Iowa Tuition Grant. Education Partners in Covenant (EPIC) is a cooperative venture between congregations of the three Iowa ELCA synods. Congregations elect to support students with grants of $100 to $500 per student and colleges match the grants. Students must be confirmed members of the congregation and the congregation must be enrolled in the program and have their level of participation determined by March 1 prior to the student's year of attendance. Foreign Student Grants -These grants are awarded to International students based on financial need. Dollars for Scholars Matching Funds -Awarded to students who receive local chapter scholarships. The college must be notified by August 15 prior to the student's period of enrollment in order to receive the matching funds. Maximum match is $500. Applying for financial aid / College gift aid / Federal gift aid / Iowa gift aid / Loan programs / Work programs / Student consumer info. / Financial Aid Links

Gift Certificates | Gift

Amazon.com--Earth's Biggest Selection Your Store Gifts See All 31 Product Categories   Your Account | Cart | Wish List | Help Wedding Registry | Baby Registry | Top Sellers | Gift Certificates | Gift Services | Wish List | Free E-cards 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 Sporting Goods Outdoor Living Kitchen Jewelry & Watches Gourmet Food Beta Beauty Beta Musical Instruments Health/Personal Care Travel Cell Phones & Service Outlet Auctions zShops Everything Else Scientific Supplies Medical Supplies Indust. Supplies Car Parts Home Furnishings Lifestyle Pet Toys Arts & Hobbies Web Search Got an Amazon.com gift certificate? Lucky you! Learn how to redeem it . • Gift Certificates Give the gift that's always appreciated. It's great for the hard-to-please andfor last-minute gift giving. Send an Amazon.com gift certificate . • Gift-Wrapping Our exclusive gift packing was designed for Amazon.com customers and is terrific for all ages and all occasions. See samples . • Wish List Give your friends and family members exactly what they want. Search for their Wish List . Be sure to createyour own free Wish List, too. • Free e-Cards Fun, funky, and free! Our e-cards are perfect for birthdays, holidays, or just because. Now you can even send them with an Amazon.com gift certificate. • Baby Registry Has the stork delivered another bundle of joy? Celebrate the new arrival with a gift that's really needed: search for a Baby Registry . • Special Occasion Reminders Special Occasion Reminders give you plenty of notice of upcoming birthdays, holidays, and other important dates. We'll even help you findthe perfect gift for those impossible-to-shop-for loved ones! • Past Gift Recommendations As someone who has made gift purchases from us in the past, you might like some help with the age-old question: "So, just what do I get them this year?" We've got some great custom gift ideas for you that they're sure to love, based on your past gift purchases . • Return Items Returns are easy, and for most returns there's no need to contact us. Even if you didn't place the order and are a gift recipient, you can stillreturn items. Learn more about our Returns Policy . 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 Gifts by Category | Wedding Registry | Top Sellers | Gift Certificates | Gift Services | Wish List | Free e-Cards 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

Groomsmen Gift Books for

Listmania! The Best Groomsmen Gift Books for the June Wedding Season 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! The Best Groomsmen Gift Books for the June Wedding Season by Splendid Gifter , Engaged, and Almost Married E-mail this list to a friend 1. The Modern Lover: A Playbook for Suitors, Spouses & Ringless Carousers by Phineas Mollod, Jason Tesauro (Paperback- October 2004) List Price: $15.95 Buy new : $10.85 You Save : $5.10(32%) Availability: Usually ships in 24 hours Used & new from $5.20 Splendid Gifter's comments: Funny, informative, hip-looking guide to the single and married life. The perfect gift for a bunch of stylish groomsmen. 2. The Modern Gentleman: A Guide to Essential Manners, Savvy & Vice by Phineas Mollod, Jason Tesauro (Paperback- October 2002) Average Customer Review: List Price: $15.95 Buy new : $10.85 You Save : $5.10(32%) Availability: Usually ships in 24 hours Used & new from $5.25 Splendid Gifter's comments: Along with The Modern Lover, complete the groomsmen gift set with both of these volumes; this matching set is better than a pair of cufflinks. This is the plan for our wedding. 3. Cuff Links by Bertrand Pizzin, Jean-Noel Liaut (Hardcover- June 2002) Average Customer Review: List Price: $18.95 Buy new : $12.89 You Save : $6.06(32%) Availability: Usually ships in 24 hours Used & new from $8.95 Splendid Gifter's comments: Along with a set of monogrammed cufflinks, complete the groomsman gift with a matching book 4. The Boutonniere : Style in One's Lapel by Richard Martin (Introduction) (Hardcover) Average Customer Review: List Price: $25.00 Buy new : $15.75 You Save : $9.25(37%) Availability: Usually ships in 12 to 13 days Used & new from $2.79 Splendid Gifter's comments: To complete the stylish exchange, teach those boys about boutonieres 5. Sonnets : From Dante to the Present (Everyman's Library Pocket Poets) by John Hollander (Editor) (Hardcover) Average Customer Review: List Price: $12.50 Buy new : $10.00 You Save : $2.50(20%) Availability: Usually ships in 24 hours Used & new from $7.04 Splendid Gifter's comments: To commemorate the special day, poetry is never amiss. Shakespeare's sonnets are also appropos. 6. Lifemanship: Or, the Art of Getting Away With It Without Being an Absolute Plonk by Stephen Potter, Frank Wilson (Illustrator) (Paperback) Average Customer Review: List Price: $9.95 Buy new : $9.95 Availability: Usually ships in 24 hours Used & new from $5.58 Splendid Gifter's comments: Vintage guide to life--along with his other books, can make a nice gift of tongue-in-cheek advice 7. Complete Brothers Grimm Fairy Tales by Brothers Grimm (Hardcover) Average Customer Review: Buy new : $12.99 Availability: Usually ships in 24 hours Used & new from $7.09 Splendid Gifter's comments: To go along with the fabled love story of your own, equip your groomsmen with the classic tome of stories 8. James Bond Movie Posters: The Official 007 Collection by Tony Nourmand (Editor) (Hardcover- December 2001) Average Customer Review: List Price: $54.18 Buy new : $44.47 You Save : $9.71(18%) Availability: Usually ships in 1 to 2 months Used & new from $32.00 Splendid Gifter's comments: Bond is always a hit the gents. 9. History of My Life (Volumes I & II) by Giacomo Chevalier de Seingalt Casanova, Willard R. Trask (Translator) (Paperback) Average Customer Review: List Price: $18.95 Buy new : $18.95 Availability: Usually ships in 24 hours Used & new from $10.99 Splendid Gifter's comments: Give those groomsmen something to compare with their own exploits. Create your own list! See the Best Lists Top 100 Listmania lists Search Listmania lists More about Splendid Gifter Related Listmania! Add your list The Best Manners/Etiquette Books That Are Not a Snooze : A list by gent99, Author/Manners Maven Best Enlightened Valentine Gift Short List : A list by Splendid Gifter, Beloved Valentine & Booklover Hey Straight Guys: Queer Eye Yourself : A list by cuzzintodd, straight guy Books to amuse and educate the male clothes horse : A list by Nicholas Antongiavanni, aspiring dandy Add your list Related So You'd Like to... Create a guide Buy Your Savvy Boyfriend Some Cool Books for the Holidays : A guide by Splendid Gifter, Savvy Girlfriend Extraordinaire Be a Gentleman Through Jazz, Literature and Love : A guide by gent99, Gentleman, Jazz Enthusiast, Manners Maven, take another look-see : A guide by Melody Davis, the possibilities are endless motivate a "young person" to do the unthinkable: READ :) : A guide by Maria Alcat, now an eclectic reader, once a kid that read a lot :) Outfit A Recent Graduate's Apartment Reference Shelf : A guide by well-rounded, Recent Grad w/ a Full Non-Fiction Bookshelf Be A Good Man : A guide by lisabeejenkins, Appreciator of Good Men & Other Fine Things Read a lifetime of fantasy : A guide by methylethel, book-eater Write Fantasy : A guide by Kevin L. Nenstiel, Manager, Black Hole Surfers (writers' resource) 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