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Wedding Shower Gifts for the Bride Wedding Guest Books Ring Bearer Pillows Flower Girl Baskets Wedding Accessories Wedding Pictures Create Account | My Account | My Shopping Cart | Checkout | Order History | Logoff Going to a bridal shower? Looking for some creative gift ideas? You've come to the right place! Wedding Shower Gifts has eveything you need to plan a fun and unique party. With theme ideas, favor ideas and gift ideas you will find no where else. Resources Gift Ideas Wedding Shower Themes Bridal Shower Favor Ideas Wedding Shower Games Bridal Shower Gift Ideas Tips for a Stress Free Wedding Day Creative Gifts for Your Bridesmaids How to Make a Ring Bearer Pillow How to Make a Flower Girl Basket Wedding Hair Styles Ring Bearer Pillows Flower Girl Baskets Ceramic Guest Book Platter Bridal Handbags Gorgeous Garters Hair Accesories Personalized Photo Pillows Paint Your Own Wedding Cake Topper Watercolor Paintings Based On Your Wedding Pictures Created using wedding pictures or engagement pictures sent in by the bride and groom, watercolor paintings make a unique and sentimental wedding gift idea. Watercolor wedding paintings make a great gift for the groom or gift for your parents . Wedding gift certificates are available! A great, last-minute gift idea! Purchase a gift certificate and let the recipient choose the pictures to recreate. Enter our gallery for samples of our work. Ceramic Wedding Guest Books - Signature Platters Ceramic signature platters make unique wedding guest books . Guests sign a hand painted, personalized platter with a special black marker. Fire in your home oven for 30 minutes and you're done! We currently have four wedding guest books available: an oval platter, an extra large oval platter, a heart shaped platter, and a round platter. Great for wedding anniversaries , bar mitzvahs , retirement parties , family reunions and more! Bridal Garters Our bridal garters make a great keepsake item to pass down the generations. This collection is offered in white or ivory with your choice of ribbon accents. Bridal Hair Accessories Our crowning glory (literally!), the bridal headpiece is made with a combination of small and large hand-sewn satin rosebuds with austrian glass pearls and ribbons in your choice of color. Bridal Handbags The bridal handbag is our personal favorite item in the collection. Hand-sewn, satin rosebuds with austrian glass pearls and imported European lace make this the classiest little number around. Wedding Keepsakes Wedding Guest Book Platters Wedding Pictures Personalized Signature Frame Kit Signature Photo Quilts Custom Photo Quilts Family Tree Platters Custom Wedding Figures Personalized Photo Pillows Wedding Gifts Family Portrait Platters Personalized House Pictures Recipe For a Happy Marriage Wedding Accessories Ring Bearer Pillows Flower Girl Baskets Crystal Bouquets Wedding Tiaras and Bridal Headpieces Bridal Jewelry Resources Wedding Reception Ideas Wedding Shower Ideas Relationships Gift Ideas Tips & Advice About Us Our Team Company Info Testimonials Shipping Privacy Return Policy Product Templates Contact Us Proud Supporters of CCI and puppy raisers of Gretchen IV Thank you for visiting WeddingShowerGifts.com Wedding Guest Books | Ring Bearer Pillows | Flower Girl Baskets | Wedding Pictures | Bridal Jewelry Wedding Tiaras and Bridal Headpieces | Wedding Garters | Wedding Accessories Signature Photo Quilts | Personalized House Pictures | Personalized Signature Frame Kit Bridesmaid Gifts | Wedding Gifts | Wedding Shower Gifts | Flower Girl Gifts Fresh Cut Wedding Flowers | Wedding Hairstyles | Wedding Colors | Wedding Reception Ideas | Bachelor Party Ideas Related Links | Awards *** We sell Anniversary Gifts , Birthday Gifts and Christmas Gifts Wedding Gifts and Wedding Accessories Home Our Company | Shipping | Privacy | Returns | Contact Us Reach us Monday - Friday 9am - 5pm Pacific Standard Time at (888)216-GIFT (4438) or email us _

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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