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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Jewelry Gift

LongLocks Hair Sticks - Jewelry Gift Certificates - The Perfect Birthday or Holiday Gift! Advanced Search | Catalog | Site Map | Index About LongLocks HairSticks ® Boutique Gift Certificates LongLocks HairSticks ® and accessories make wonderfully elegant gifts that will be dearly treasured for years to come, and are destined to become the heirlooms of tomorrow. Whether it be a gift for Christmas, Valentine's Day, a wedding anniversary, birthday, or just to say "I love you," let the LongLocks HairSticks ® Boutique provide a perfectly romantic solution to your gift giving dilemma. Purchase a LongLocks HairSticks ® Boutique Gift Certificate and let your special someone shop at their leisure to choose their own unique hair sticks and jewelry from the LongLocks HairSticks ® Boutique online catalog. Your special someone will love you for it! We ship gift certificates anywhere in the world via first class mail free of charge. If you would like us to personalize your gift certificate for you, please enter the name of the recipient in the comments text box on the first page of the Secure Shopping Cart. If you are on a tight time schedule, your gift certificate can even be delivered by e-mail! Just make your request in the comments text box in the Secure Shopping Cart and be sure to include the e-mail address of the recipient. LongLocks HairSticks ® Boutique Gift Certificates are printed on beautiful floral paper stock. They are available in $25.00, $50.00, $100.00, $150.00 and $250.00 denominations and may be redeemed for one full year from date of issue. Please note that gift certificates are nonrefundable and any unused balance will be credited toward a future purchase. Discount vouchers and sale prices are not applicable to the purchase of gift certificates. Any necessary adjustments under these circumstances will be made during processing. Gift certificates may be redeemed at any time, including during sale days, and may be used in conjunction with discount vouchers. Price: $25.00 Add to Cart Add to Cart LongLocks HairSticks Boutique: $100 Gift Certificate Price: $100.00 Add to Cart Add to Cart Add to Cart The LongLocks HairSticks Boutique is updated daily with new designs! Check out What's New . Subscribe to our FREE newsletter & receive special members-only discounts & previews. Subscribe today Have an idea for your own jewelry design? Consider a Custom Design There are LongLocks HairSticks ® for men too! Check out LongLocks ChapStix Our customers say wonderful things about our jewelry! Check out our Kudos and Awards You'll find great books on hair styles and fashion in the LongLocks Library Prefer to place your order by phone? Call toll-free 1.877.745.1145 LongLocks HairSticks Boutique Hair Jewelry Catalog Index The Original LongLocks HairSticks | GlimmerStix | DuetStix | SwingStix | BridalStix | ShadowStix | GemStix HoloStix | SterlingStix | d'OrStix | FantasyStix | PearliStix | FuturiStix | GlitterStix | MystStix | DecoStix DrizzleStix | MajeStix | NeonStix | FoilStix | SugarStix | ArtiStix | SpiralStix | RapunzelStix GeishaStix | IndividualiStix | ChapStix | Special Edition Designs | Vintage Hair Combs Gift Certificates | Chinese Silk Jewelry Rolls | The Rapunzel Shoppe Collectors Club | Waltzing Willow Jewelry | Sublime Indulgences Hair Color Chart | Birthstones & Anniversaries Ordering Information

Valentine Gifts License this

Illustrated Clipart Image of a Valentine Gifts Welcome to... ...a complete guide to online clipart, icons, photos, scans, and web graphics. Illustrated Clipart Image of a Valentine Gifts License this image Description: Illustrated clipart image of a valentine gifts. This colored clip art illustration shows a picture of a red, heart shaped, wrapped valentines gift and a present with red ribbon tied with a bow. Image Formats: EPS JPEG WMF GIF february 14th , gift , event , events , gifts , heart box , holiday , holidays , present , presents , saint valentine's day , sweets , valentine candy , valentine day , valentine gift , valentine gifts , valentine present , valentine presents , valentines , valentines candy , valentine , clipart, clip art, picture, image, images, pictures, web graphic, web graphics SEARCH CLIPART GUIDE HOME NEW IMAGES ALL IMAGES [text list] CLIP ART DIRECTORY Animals Cartoons Computer Flowers Food Holidays Icons Logos Miscellaneous People Stock Photos Religious Science Sci-fi Sports Transportation Travel Web Graphics CLIPART CATAGORIES Animal Clipart cats dogs horses pets farm animals Business Clipart boss business men business women desks employees graphs & charts money office   secretaries worker Cartoon Clipart animals food objects people Children Clipart babies boys girls at play school Christian Clipart bibles christian holidays christian symbols churches crosses jesus Computer Clipart computer mouse hard drives keyboards monitors networks printers Dog Clipart breeds mixed breeds puppies Event Clipart birthday oktoberfest wedding Food Clipart beverages desserts fast foods fruits meals vegetables Education Clipart health safety letters numbers math music science technology Emotions Clipart angry excited happy mad sad Holiday Clipart christmas easter halloween independence day valentines day Household Clipart appliances chores objects Money Clipart currency dollars finance credit cards atm's coins cash banks Objects Clipart cleaning supplies household objects instruments tools Office Clipart briefcases calculators charts computers desks fax machines paper clips pens pencil phones printers scissors telephones People Clipart babies boys business people children elderly ethnic people girls kids men models religious people seniors women Plant Clipart trees potted plants herbs flowers Religious Clipart biblical figures christians churches commandments crosses jesus religions buildings places School Clipart books buses classrooms graduation students teachers tests Science Clipart scientists laboratories molecules atoms experiments anatomy chemistry Sports Clipart baseball soccer bowling basketball golf tennis volleyball football track and field hockey boxing Transportation Clipart airplanes bicycles boats buses cars motorcycles trains trucks Wedding Clipart wedding cakes brides grooms ceremonies husbands wives newlyweds Work Clipart working workers meetings business servicing Wildlife Clipart birds elephants lions monkeys reptiles rodents   tigers whales © 1998-2005 Fred Voetsch Publishing All Rights Reserved The Whole Internet Clipart Guide is Published by Acclaim Images 201 Crater Lake Ave Medford, OR 97504 (541)618-8723 Privacy Statement .2

SHOWER GIFTS!!! N A

Baby Gifts, baby carriers, Baby shower gifts, baby quilts, baby products HOME | VIEW CART | CHECK OUT Plus unique baby gifts for baby showers, newborns, first birthdays or any "baby" occasion! ** HOT CLOSE-OUT PRICES" FOR LIMITED TIME ONLY - ON ALL "SEE SHELL BABY CARRIER" PURCHASES!** The See Shell Baby Carrier is an infant carrier only, NOT A CAR SEAT. 10% DISCOUNT ON ALL " SNUGGLE QUILTS " ORDERED FROM NOW UNTIL September 30, 2005!!! " SNUGGLE QUILTS " MAKE WONDERFUL BABY SHOWER GIFTS!!! N A V I G A T I O N Home See Shell Carrier Order a See Shell Other Carrier Uses Seat Safety Products Baby Shower Baby Cakes Baby Gifts Gift Baskets Jewelry Journals Pearl Jewelry Personalized Crib and Embroidered Receiving Blankets Water Carrier Baby Wear Baby Bibs Baby & Infant Hats Baby Banz Baby Sunshades Baby Scrubs Kushies Gift Certificates Nursery Snuggle Quilts Products for Mom Fertility Kits Jewelry Progesterone Cream Become a Reseller Child Safety Tips Links & Resources Parenting Resources Shipping Policy The Inspiration for the See Shell Baby Carrier READ ABOUT IT Introducing a NEW section on Baby See Shell ! Products for Mom! The See Shell Baby Carrier is a baby carrier that has an innovative, lightweight design parents and family will love to use. Tired of lugging that heavy car seat carrier everywhere you go? In and out... buckling ... unbuckling ... taking turns carrying it around and trying to squeeze it into restaurant booths or church pews? What a pain! 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[ ORDER A SEE SHELL ] NOTE: The Baby See Shell Carrier is NOT a car seat. But it IS a carrying "dream come true" for all other occasions! [ See All See Shell Baby Carrier's Features & Benefits ] ANNOUNCING... 5 NEW Sections on Baby See Shell Pearl Jewelry PLUS see our NEW Romance Gift Basket Amazing Water Carrier Baby & Infant Hats Baby Bibs We now offer BABY CAKES! Stop by often, we are adding more daily! Check Out Our Line of Kushies Baby/Children's Swimwear and Swim Shoes Introducing a NEW section on Baby See Shell! Products for Mom! Stop by often, as new products are being added to this page daily. FREE!!!! We will gift wrap your "Snuggle Quilt" in an adorable baby shower wrapping paper and include a note card with your personal message. Just type your message in the "Message" box on our shopping cart, and we'll take care of the rest! Our Special "Star" Baby Products Clover Shaped Baby Snuggle Quilts Ocean Creatures Bob the Builder Unique Baby Gifts Bootie Bouquet Baby Gift Basket See Shell Baby Products is happy to bring you what we believe to be the safest, easiest to use baby carrier on the market today, and we are sure you will agree! Special Women's Article September 2005 Issue: A Safe Natural Alternative to Hormone Replacement Therapy Check out our Happy PMS Cream , the 100% all natural progesterone cream! Parental Resources September 2005 Issue: The night visitor: Trips to the parents bed CrossDaily.com has Awesome Christian Sites where you can vote for this site & other great ones. Christian search engine, directory & voting index. You'll find Bible, chat, churches, jobs, music, reviews, software, theology, & more. See the best sites! 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Baby Sleep Secrets [ Top of Page ] [ Top of Page ] [ Home ] [ See Shell Carrier ] [ Other Carrier Uses ] [ Order a See Shell ] [ Seat Safety Products ] [ Snuggle Quilts ] [ Baby Sunshades ] [ Baby Scrubs ] [ Sunglasses & Hats ] [ Baby Gifts ] [ Kushies ] [ Baby Cakes ] [ Gift Baskets ] [ Journals ] [ Jewelry ] [ Gift Certificates ] [ Parenting Resources ] [ Pearl Jewelry ][ Personalized Crib and Embroidered Receiving Blankets ] [ Products for Mom ] [ Shipping Policy ] [ Child Safety Tips ] [ Become a Reseller ] [ Contact Us ] [ About Us ] [ Press Releases ] 2000-2005 See Shell Baby Products, LLC See Shell Baby Carrier Patent No. D434232 See Shell Baby Products LLC, P.O. Box 7345, York, PA 17404 Telephone/Fax: 717/733-0015 email: sales@babyseeshell.com Web Site Maintenance by TBI Designs. Baby carrier : See Shell Baby Carrier is a light baby carrier, and we believe the safest baby carrier available. Buy a See Shell Baby Carrier today! 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College Gift

Skidmore College - Gift Planning - Life Income - Donor Recognition Search | Calendar | A-Z Index Thu Sep 22 5:37 PM EDT Skidmore Home | Admissions | Current Students | Faculty & Staff | Parents & Friends | Alumni Wills and Bequests Life Income Gifts More Gift Options Breaking News To Honor Donors Bring Legacy to Life! Scribner House Contact Our Staff Gift Planning Home STANDARD MAIL 815 North Broadway Saratoga Springs, New York, 12866 GIFT PLANNING PHONE 518-580-5655 E-MAIL CONTACT Gift Planning Gift Planning To Honor Donors Josephine Young Case served as a Skidmore College trustee from 1938 to 1971. Josephine Young Case Associates are individuals who, in the spirit of this selfless Skidmore advocate, have established a deferred gift arrangement to benefit the College. Gifts qualifying for membership include bequest intentions and retained life income arrangements. Case Associates sustain a tradition of vital importance by ensuring the future growth and welfare of Skidmore College, its students and graduates. Members are invited to Skidmore to attend a reception held each year in their honor. All members receive a certificate of appreciation signed by the president of Skidmore College and a distinctive lapel pin featuring the College seal. Josephine Young Case Josephine Young Case served as a Skidmore College trustee from 1938 to 1971. From April 1964 to July 1965, she served as acting president of the College following the sudden death of Skidmore's third president, Val H. Wilson. Elected chair of the board of trustees in 1966, she served in that office until her retirement in 1971. With unswerving commitment, Mrs. Case used her philanthropic spirit and her profound leadership abilities to help nurture the growth of Skidmore into one of the nation's leading institutions of Liberal Arts learning. Josephine Young Case's foresight was evident in her oft-quoted "Charge to the Architects and Planners," written in 1961 to lend higher vision to Skidmore's plan to build a new campus, the Jonsson Campus. She wrote: One thing we do not want for our new campus and that is walls or gates. For we want the world to enter. These students would not and should not have isolation from the immediacy of current problems, however dire. Their concern will reach out far beyond the campus to others everywhere; for awareness will be a virtue of this place. Bring Legacy to Life! Philanthropy • Legacy • Security The Office of Gift Planning urges donors to consult their legal and other professional advisors when considering charitable gift giving. Our staff is always pleased to work directly with donors and their advisors during the process. Creative Thought Matters. Skidmore College · 815 North Broadway · Saratoga Springs, NY · 12866 Skidmore College Main Links ©2005 Skidmore College · Contact Information Skidmore Home | Admissions | Current Students | Faculty & Staff | Parents & Friends | Alumni