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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Teacher Gifts: Creative Ideas

Gifts For Teacher - 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. Gifts For Teacher Articles Teacher Gifts: Creative Ideas To Honor Your Kid's Teacher or Provider Forget the coffee mug. Resist candy. If you're looking for a creative gift idea for your kid's teacher to celebrate the end of the school year, a special holiday or occasion, or just to say "thank you," consider these practical and personal suggestio...( Continue Reading ) Teacher Gifts: Creative Ideas To Honor Your Kid's Teacher or Provider The school year can't possibly be winding down yet...can it? But, then again, as spring carnivals, end-of-year parties, and spring assessments and tests commence, it's a sure sign that the end of the year can't be too far away. In......( Continue Reading ) Teacher Gifts Tips Christmas tips on what to get your children's teachers for Christmas....( Continue Reading ) gifts to make for teacher christmas gift class teachers gifts school Make a great gift for your favorite teachers....( Continue Reading ) Gifts for the Teacher As the school year comes to an end, why not make a great gift for your favorite teachers! Make everything from fun apple magnets to personalized t-shirts and canvas bags.......( Continue Reading ) Gifts For Teacher Directory Links dragonball z animated gifts sending gifts american indian gifts crafty christmas gifts christmas gifts for college students seven gifts of the spirit gift baskets washington top gifts 35th wedding anniversary gifts toronto gift baskets gifts for office fathers day and gifts anniversary gifts for him wisconsin gift baskets california wine gifts fishing gag gifts new orleans gift baskets easter baskets for children gifts for first communion gifts to be sent to india wedding anniversary gifts by year new york gift baskets christmas gifts on a budget fourth anniversary gifts valentines gifts ideas custom made gift baskets gift baskets of vermont gifts in kind cigar gift baskets 10 year wedding anniversary gifts horse lovers gifts recipe gifts in a jar gifts for engagement party best valentine gifts gag gifts for men teacher gifts medical school graduation gifts gifts for first holy communion traditional anniversery gifts bridal shower gift baskets mba graduation gifts gift baskets for him good valentine gifts unique valentines gifts gift baskets in colorado 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

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My Word's Worth - choosing gifts for women My Word's Worth: a weekly column by Marylaine Block vol. 3 #21, November 21, 1997 ADVICE FOR DESPERATE MEN The XTC song "The World's Full of Angry Young Men" is running through my head, but the words attached to the music are "The mall's full of desperate men." As it gets closer to Christmas, the population of the mall starts changing. Early on women and teenagers predominate, but over time, there are more and more lost-looking men with that deer-caught-in-the-headlights inward-looking stare--the natural prey of eager shopkeepers who know they can sell these men absolutely anything. The problem is, of course, that when the world's tasks got divvied up by genders, women got to be the gift-givers. By and large this works out quite nicely -- at least until men need to find gifts for women. At this point, many of you are utterly clueless. You sense that whatever you give is freighted with symbolic meaning, but you have no idea what that meaning IS. You strongly suspect this is one of those little tests women put men through that you can't possibly win -- give us nothing at all, and be forever written off as insensitive dolts, or give us the wrong things and be forever written off as insensitive dolts. But we're not actually all THAT hard to please. Here are a few hints. Part of the symbolic value is that you remembered at all. So even if you screw up and select something fairly hopeless (crotchless panties are generally a mistake), we WILL give you credit for trying. After all, we have years of practice thanking little boys who give us footballs for our birthdays -- we understand that he thinks this is the finest gift anyone could ever receive. The malls are trying to sell you stuff for generic females, jewelry and perfume and nice-smelling expensive soaps and moisturizers and such, but she is NOT generic. She is a specific person with specific tastes that, yes, you should have noticed by now (and if you haven't, start looking at her closely). Don't buy earrings for her if you can't remember seeing her wearing earrings. If she does, does she like discreet little buttons, or splashy dangling ones? Show her that you pay attention to her unique interests and preferences. For example, my only real concession to feminine stuff is pretty scarves, fastened with a cat pin; anyone who gave me either a scarf or a cat pin would know that the gift will be appreciated on two levels: I'll wear it and enjoy it, and I'll be pleased that you paid attention to what I like. A gift should also indicate that you pay attention to what she says, or cares about. If she's a save-the-whales sort of person, a little gold whale charm on a chain would be a delightful present. If she couldn't stop looking at the Degas ballerina in the art museum, check out the art museum gift shop for an inexpensive print, or even Degas notecards. Did she cry her way through The Little Mermaid ? You could get her a video of it. Is she never quite warm enough? How about a pretty crocheted shawl to drape around her shoulders? Does she adore Andrew Lloyd Webber? There must be a production of his playing somewhere that you can take her to. A gift doesn't need to be expensive if it conveys the basic message, "I know who you are and I love that in you." Avoid vacuum cleaners and toaster-ovens and sewing machines, no matter how much she may actually need one. What we want is permission to stop being efficient and hardworking for a while and simply feel treasured. (Even the most competent women want to feel protected and taken care of by their menfolk.) If you're a man who understands what clothes look good on her, and you know what size she wears, you can buy her a great outfit. The implied message is "You're a damn good-looking woman, and I love to see you looking well-turned out." Of course, if, like my son, you think an orange shirt with red shorts is a nifty combination, you should avoid this route. One of the nicest gifts is your time. Arrange for someone else to take care of the kids, and take her off somewhere where you can pay uninterrupted attention to her, and she to you. There aren't enough hours in the day for us to do our work, take care of the kids, take care of our own needs, and still keep a relationship fresh. Give her time off from responsibilities and routine, and use the time to renew the romance. And whatever else you give her, add the gift of words. Tell her why you chose it specially for her. You wouldn't believe what a sucker we are for words like "This was so elegant it made me think of you," or "It reminded me of the music we danced to on our first date." If you could live your life again and you'd still fall in love with her, tell her that. Better yet, tell her that in writing. There's a reason we keep old love letters and mementos -- it's so we can read them over and over again when times are tough, and we're not getting through to each other, and we're trying to remember why it was we wanted the relationship to keep going. So go ahead, guys. Venture out into the cold and brave the alien territory of the shopping malls and exquisite little boutiques. All you have to do is remember who she is and what you love about her and what she cares about (besides you). Remember: Earth girls are easy. You get points for trying. And with these helpful hints in mind, you might pass the test this time around. Heck, you might even get an A. My Word's Worth Archive Current column Marylaine.com/ home to all my other writing NOTE: My thinking is always a work in progress. You could mentally insert all my columns in between these two sentences: "This is something I've been thinking about," and "Does this make any sense to you?" I welcome your thoughts. Please send your comments about these columns to: marylaine at netexpress.net. Since I've written a lot of these, some of them many years ago, help me out by telling me which column you're referring to. I'll write columns here whenever I really want to share an idea with you and can find time to write them . If you want to be notified when a new one is up, send me an e-mail and include "My Word's Worth" in the subject line.

Shower Gifts Wedding Shower

Wedding Shower Gifts - Surprise.com Find Gifts Across the Web Login / Sign Up 0 saved gifts View Gift List Home Occasion Wedding Shower Gifts Wedding Shower Gifts (55) Submit an Idea for this category Sort By: Popularity Price Show: All Types Keepsakes Personalized Bath & Body Clothing Accessories Other Page 1 2 3 4 Next> 1-15 of 55 Here Comes The Bride Pampering Ki... Philosophy Here Comes the Bride $45.00 - Sephora add to list » See more » Bride And Groom Chocolate-covered... Chocolate Covered Wedding Strawberries: 1... $54.95 - DelightfulDeliveries.com add to list » See more » Bride's Wedding Survival Kit Wedding Day Survival Kit $49.99 - Target add to list » See more » Wedding Flip Flops Just Married Flip-Flops - Men/Women $11.99 - Target add to list » See more » Money Tree Money Tree From Redenvelope $38.00 - RedEnvelope add to list » See more » Cozy Couples Movie Gift Box Movie Madness $29.99 - The Obsession Box Company add to list » See more » Wedding Time Capsule Wedding Time Capsule $29.99 - Warm Sentiments add to list » See more » Newlywed Cooking Kit Personalized Newlywed Cooking Kit From... $75.00 - RedEnvelope add to list » See more » Daughter Bracelet To My Daughter $55.00 - Abernook add to list » See more » Something Old, New, Borrowed, Blu... Something Old, New, Borrowed, Blue From... $65.00 - RedEnvelope add to list » See more » Unity Candle Unity Candle From Redenvelope $80.00 - RedEnvelope add to list » See more » Bacherlorette Party BACHELORETTE PARTY BUTTONS per Set $3.95 - Oriental Trading Company add to list » See more » Kama Sutra Weekender Kit Kama Sutra® Love Essentials Weekender Kit $29.99 - FTD.com add to list » See more » Honeymoon Box Honeymoon Box $112.50 - Satinbox.com add to list » See more » Cooking Lessons Signature Days Gift Certificate - Cooking... $15 to $35 - Signature Days add to list » See more » See all Page 1 2 3 4 Next> 1-15 of 55 See more gifts in... Wedding Gifts Special Her Bridesmaids The Two of Us Likes to Throw Parties Appreciates Beautiful Things Housewarming Gifts Stressed Out Engagement Gifts Hates to Clean Wine Connoisseur Loves to Cook More Suggestions » Quick Links Last Minute Gifts Birthday Gifts Anniversary Gifts Special Her Special Him Keepsakes Gift Baskets See More.. Occasions Recipients Circumstances Likes & Dislikes Home | About Surprise.com | Contact Us | List Your Site | Merchant Center | Help | All Gifts | My Account | Login © 2005 Surprise.com, Inc. Your guide to the Web's top-rated gift ideas . All Rights Reserved. Privacy Policy .

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