Teacher Gift Basket From:
|
|
Craft Library: Gifts for Teachers FREE recipes , desserts , crafts & health ideas Crafts & Hobbies & Special Kitchen Values PinkSunrise.com | Families-First.com | Homeschool Zone | Event-of-the-Week | Bookstore | Search An Apple for the Teacher Special Gifts Ideas for that Special Educator Join our support group Cheerful Cookie Box Kathy Ross, the popular craft book author, has written a new book craft book called Crafts for Christian Values . Kathy's latest book is filled with wonderful crafts and ideas to help children learn about Christian values and what they mean. This easy-to-do craft lets you take disposable plastic containers, photos, drawings, and old greeting cards to make a wonderful keepsake . It's so easy that even the little ones can do it too. Sit-A-Pon a gift for the gardening teacher The Sit-A-Pon is created by using very simple household materials; old plastic tablecloth, magazines, and yarn. I first made a Sit-A-Pon when I was a Girl Scout. I still remember that pink and white soft square that protected my knees while gardening as a small girl. The Sit-A-Pon can be personalized just for your mom. You can use water proof magic markers to write her name and her favorite colored yarn to sew the edging. My Special Cloth Book Put some special memories in a book you can give. This craft is brought to us by Roberta Ross-Fisher and she says, "All children enjoy having ownership in their work, and they especially like to complete projects which focus on themselves. Bookmaking can be a fun and easy way to help children at various ages and ability levels to communicate through writing." Cardboard Earrings The kids will enjoy making these earrings for themselves or as gifts . Be creative with the designs and you'll be sure to have a true piece artwork! Experiment with different designs. You can make the earrings as simple or as outrageous as you like. Birds, animals, flowers, shapes- it's up to you! They make great gifts for moms , teachers or a great addition to your Halloween outfit. Dessert-of-the-Week Toffee Bars This week's Dessert of the Week features the sinfully delicious Toffee Bars. This candy is fun for a special treat or dressed up in a candy tin as a great gift. These bars are simple to make and the kids can help make them too! Lollipop Plants Grow a lollipop plant ! Whether you are a teacher , mom , or kid who loves crafts, this is the perfect for you. It's very simple and you don't even need dirt. This is great as both a festive decoration and treat holder . You can use any kind of lollipops- Blow Pops, Tootsie Roll Pops or the traditional non filled pops. Comments & Ideas Teacher Gift Basket From: Linda For teacher appreciation week we gave the teachers gifts with these sayings attached. A mint + Thanks for the Commitment Pens + Teachers do the "Write" thing a rubberband ball + Teachers are Flexible a bag of cookies + Teachers Make Smart Cookies. Perhaps these can help you with your gift basket. Good luck. New for 2001 Eat Cheat & Melt Fat Away Weight loss books FREE Healthy Cooking Recipes FREE Fit 'n Trim Support Crazy Kitchen Deals Ravioloi Maker FREE Cannoli Recipe interview with the Cake Mix Doctor, Anne Byrn more cake books more baking books Questions? Ideas? Comments? Have a craft idea to share? Click here to get our FREE newsletter and join our craft, cooking, education, health & other support groups FREE recipes , desserts , crafts & health ideas Crafts& Hobbies & Special Kitchen Values PinkSunrise.com | Families-First.com | Homeschool Zone | Event-of-the-Week | Bookstore | Search Last updated: 01/30/03 , 2000 www.Homeschoolzone.com All rights reserved Zone visitor Pitter Patter visitor
Top Ten Gifts
Listmania! Top Ten Valentine's day Gifts for Guys Under $50/- 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! Top Ten Valentine's day Gifts for Guys Under $50/- by Arjun Kansiawala , The New Guy. E-mail this list to a friend 1. Star Wars Trilogy (Full Screen Edition) DVD ~ Harrison Ford (DVD) Average Customer Review: List Price: $69.98 Buy new : $45.49 You Save : $24.49(35%) Availability: Usually ships in 24 hours Used & new from $34.25 Arjun Kansiawala's comments: The best selling DVD of the year on amazon surely tops the list. They sold 85,000 of these in 2004. 2. Sennheiser PX 100 Headphones by Sennheiser (Electronics) Average Customer Review: List Price: $59.95 Buy new : Click for price Availability: Usually ships in 24 hours Used & new from $31.98 Arjun Kansiawala's comments: The PX 100 is a pair of open, dynamic supra-aural mini headphones for mobile players. Their outstanding sound reproduction and foldable design make them ideal for outdoor use and traveling. 3. Stanley 77-260 IntelliLaser Pro Laser Line Level/Stud Finder (Tools & Hardware) List Price: $69.99 Buy new : $48.94 You Save : $21.05 (30%) Availability: Usually ships in 24 hours Used & new from $48.94 Arjun Kansiawala's comments: This is a good combination for the average homeowner, but there are certainly better stud finders (from Zircon and Strait Line) and laser levels. 4. STRAIT-LINE 6041300CD Intersect Laser Level (Tools & Hardware) List Price: $84.64 Buy new : $42.99 You Save : $41.65 (49%) Availability: Usually ships in 24 hours Used & new from $36.99 Arjun Kansiawala's comments: Strait-Line's claim that this is "the most capable laser level ever built" is an invitation to skepticism, but folks, after spending a little time with this model, we think it's true. 5. SanDisk SDSDB-512-A10 512 MB Secure Digital Card by SanDisk (Electronics) Average Customer Review: Offered by: myGearStore List Price: $249.99 Buy new : $45.50 You Save : $204.49 (82%) Availability: Usually ships in 1-2 business days Used & new from $42.25 Arjun Kansiawala's comments: The SD Card can be used in a variety of digital products; digital music players, cellular phones, handheld PCs (HPCs), digital cameras, digital video camcorders, smart phones, car navigation systems. 6. Sony D-EJ100PS Psyc Walkman Portable CD Player (Black) by Sony (Electronics) Average Customer Review: Availability: Usually ships in 1-2 business days. Used & new from $49.99 Arjun Kansiawala's comments: Sony's PSYC D-EJ100PS Walkman portable CD player augments its great sound and extensive features with a stylish, full-circle, gleam-black exterior. And at a mere .94 inches thick. 7. Sony SRF-M80V S2 Sports Walkman Arm Band Radio with FM/AM, TV and Weather Channels by Sony (Electronics) Average Customer Review: Availability: Usually ships in 1-2 business days. Used & new from $22.35 Arjun Kansiawala's comments: Sony's lightweight SRFM80V S2 Sports Walkman fits snugly into a supplied wrap-around arm band for hands-free listening during workouts or travel. 8. Norelco 6843XL Reflex Plus Rechargeable Cord/Cordless Men's Shaving System Norelco (Health and Beauty) List Price: $89.99 Buy new : $49.84 You Save : $40.15 (45%) Availability: Usually ships in 24 hours Arjun Kansiawala's comments: This mid-range Norelco Reflex Plus shaver delivers the smooth-shave technology of the top of the line models in a simplified, straightforward model. 9. TurboTax Deluxe 2004 Win/Mac [CD] by Intuit, Inc. (CD-ROM) Availability: Usually ships in 1-2 business days. Used & new from $39.77 Arjun Kansiawala's comments: TurboTax Deluxe software guides you through your return step-by-step wi th extra help for mortgages, charitable contributions, and other deductions. 10. PC-cillin Internet Security 2005 [AntiVirus, Firewall, Spam, Spyware, Wi-Fi Patrol] by Trend Micro (CD-ROM) List Price: $49.95 Buy new : $39.99 You Save : $9.96 (20%) Availability: Usually ships in 24 hours Used & new from $17.00 Arjun Kansiawala's comments: Trend Micro PC-cillin Internet Security 2005 protects your PC and home network against all types of viruses, worms, Trojans, and blended threats--incl uding network viruses, like MYDOOM and SASSER. Create your own list! See the Best Lists Top 100 Listmania lists Search Listmania lists More about Arjun Kansiawala Related Listmania! Add your list Walkman and Walkman Gear : A list by A.Trendl HungarianBookstore.com, Not your father's AM radio My Favorite Movies : A list by Stacey J. Cavanaugh, Movie Fanatic! Favorite Films : A list by E. Calise, Actor The bestest mostest coolest movies EVER(est) : A list by Shadow, Eljimbo Add your list Related So You'd Like to... Create a guide Know what dvds sell best on amazon : A guide by Debbie F. Gibbs, movie watcher Calculate Your Taxes and Spend Your Refund : A guide by wheeler_dealer, Software Guy Protect yourself from the Evil Spyware Empire : A guide by gAmE_bOi, gAmE bOi from the Amazon message boards Protect Your Windows PC from Viruses, Worms & Hackers : A guide by wheeler_dealer, Software Junkie Protect Your PC from Viruses, Spyware, Spam or Hackers 2005 : A guide by wheeler_dealer, Software Guy buy all the really cool electronic gizmos : A guide by Joseph Dewey, someone with a bunch of cool gizmos how many picture you can store on a Secure Digital Card? : A guide by erk2, Digital Film User give your grandchildren some good books for life : A guide by joe_whatsayee@yahoo.com, one grandchild so far 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
gifts members make to
Fraternal Programs - Thrivent Financial for Lutherans Locate Your Financial Representative | Site Help | Corporate News Become a Member | Contact Us | Free Offers | Chapter Web Sites SPONSORED WEB SITES: Thrivent Builds | The Store | Lutherans Online | Lutheran Heritage | Church Loan Program | Thrivent Magazine About Chapter System Chapter Locator Chapter Care Programs Church & Community Programs Fraternal Highlights Grant Programs-Foundation Funded Grant Programs-Fraternal Funded Hurricane Katrina Response - Information for Members Impacted - Message from Senior Vice President Brad Hewitt - Investments Impact from Hurricane Katrina - Hurricane Katrina Resource Exchange - Photo Gallery It's as Easy as ABC 1-2-3 JOIN HANDS DAY Member Benefits Scholarships Supporting Our Troops Thrivent Magazine Volunteer Excellence Award FAQs Fraternal Programs Hurricane Katrina Response Hurricane Katrina Response Our hearts go out to the people along the Gulf Coast who have been affected by the devastation of Hurricane Katrina. Thrivent Financial and its members are responding in two ways: First, Thrivent Financial has added $5 million for rebuilding areas devastated by Hurricane Katrina to our $100 million Thrivent Builds with Habitat for Humanity alliance, announced on Sept. 8, 2005 . Thrivent Builds is an unprecedented financial, volunteer and advocacy alliance designed to substantially increase Habitats capacity to build affordable housing. Second, we are supplementing our members donations and fund-raising efforts for this recovery. Through the generosity of our members, we expect more than an additional $6 million will be raised to support the survivors of this disaster in their recovery efforts. Individual Member Response Through the Individual Member Response, gifts members make to one of the four eligible organizations will be supplemented $1 for every $2 given, up to $300 per member (e.g., if a member gives $600 to a relief organization, Thrivent Financial will provide that organization with an additional $300.) A Thrivent Financial Hurricane Katrina Individual Member Response Form (PDF, 53K) must accompany the members gift (see form and instructions) (Word, 21K) . All funds raised and contributed through the Individual Member Response will be directed to four eligible recipients: Lutheran Disaster Response , ELCA Domestic Disaster Response , LCMS World Relief/Human Care and WELS Committee on Relief . These organizations will distribute the funds to those in need using their established processes. Thrivent Financial Hurricane Katrina Individual Member Response Form (PDF, 53K) Instructions for Member Response Form (Word, 21K) FAQ Individual Member Response Bulletin Insert (PDF, 38K) News Release (Word, 25K) Regional Chapter Response Members can form a service team to hold a fund-raiser or an appeal/collection and have the funds supplemented $1 for every $2 raised through the Hurricane Katrina Regional Chapter Response. A Regional Chapter Response Report form (Word, 43K) must accompany funds that are sent to Thrivent Financial for processing (see form and instructions) (Word, 22K) . Hurricane Katrina Regional Chapter Response Form (Service Team Fund-Raiser Activity Results) (Word, 43K) Instructions for Regional Chapter Response Form (Word, 22K) FAQ Regional Chapter Response News Release (Word, 25K) To view and print PDF files, you need Adobe Acrobat Reader installed on your computer. If you do not have it, you can download a free copy of Adobe Acrobat Reader and install it on your computer by clicking on "Download Adobe Acrobat Reader" below. Mark Wallheiser /REUTERS Download Adobe Acrobat Reader (needed to view .pdf files) U.S. News Headlines SIMILAR HEADLINES ... Help Center Life Events... Buying a Home Changing Jobs Enter Retirement Getting Married Having a Baby Leaving a Legacy Owning a Business Plan Retirement Starting Out =============== Financial Goals... Bank Rates Business Planning Calculators Charitable Giving Checking Accts Credit Cards Daily Fund Pricing Education Planning Estate Strategies Fixed Annuities Imm. Annuities IRA Rollovers IRAs Life Insurance Loans Long Term Care Medicare Sup. Ins. Mortgages Online Banking Planning Services Planning Tools Portfolio Tracker Retirement Savings Accts VA Daily Values Variable Annuities VUL Insurance =============== I want to find... Assoc. Member Chapter Locator Chapter Info Church Loans Contact Info Fraternal Highlights Free Offers Gift Matching Grants Greeting Cards Hurricane Response Job Search LutheranCommunity Foundation Lutherans Online Member Benefits Member Magazine Membership Message Boards Mission/Vision News News Headlines Privacy Statement Recipes Seminars Simply Giving® Singles Seeking The Store Thrivent Builds Web Publishing Weather =============== Information for Thrivent Financial Members Impacted by Hurricane Katrina Message from Senior Vice President Brad Hewitt Investments Impact from Hurricane Katrina Hurricane Katrina Resource Exchange Photo Gallery HOME | Site Map | Site Tour | Privacy Policy | Business Continuity Information | What's New On The Web Site | Contact Us | Top of Page Appleton Office: 4321 N. Ballard Road Appleton, WI 54919-0001 USA 800-THRIVENT (800-847-4836) E-mail: mail@thrivent.com Minneapolis Office: 625 Fourth Avenue S. Minneapolis, MN 55415-1624 USA 800-THRIVENT (800-847-4836) Thrivent Financial for Lutherans, Appleton, WI 54919-0001, is authorized to conduct business in all 50 states and the District of Columbia. NAIC # 2938-56014. Products issued by Thrivent Financial for Lutherans are available to applicants who meet membership, insurability, U.S. citizenship and residency requirements. Not all products described are available in all states. Thrivent Financial representatives are licensed insurance agents. Insurance and retirement products, where available, are individual contracts, (not group coverage), and issued by Thrivent Financial for Lutherans. Investment products are offered through Thrivent Investment Management Inc., 625 Fourth Ave. S., Minneapolis, MN 55415-1665, a wholly owned subsidiary of Thrivent Financial for Lutherans. Member NASD. Member SIPC. Thrivent Financial representatives are registered representatives of Thrivent Investment Management Inc. Bank products and trust services are offered through Thrivent Financial Bank, 2000 E. Milestone Dr., Appleton, WI 54919-0006 (Member FDIC, Equal Housing Lender), a wholly owned subsidiary of Thrivent Financial for Lutherans. Insurance, investment products, securities, trust, and investment management services and accounts are not deposits, are not FDIC insured, are not insured by any federal government agency, and are not guaranteed by Thrivent Financial Bank. Variable insurance contracts, investment products, trust, and investment management accounts may go down in value. ©1995-2005 Thrivent Financial for Lutherans This document was last updated on Monday, September 19, 2005 at 11:47 AM
Valentine Gifts For Women
Valentine Gifts For Women - 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. Valentine Gifts For Women Articles Valentine Gifts for Women Traditional Valentine's gifts that never fail: Flowers (roses, of course!), candy, and jewelry....( Continue Reading ) Valentine Gifts for Women Traditional Valentine's gifts that never fail: Flowers (roses, of course!), candy, and jewelry....( Continue Reading ) Gifts for Women Looking for Valentine's Day gifts for women? Here are five suggestions to give the perfect gift this Valentine's day for the woman in your life....( Continue Reading ) Top Eleven Valentine's Day Gifts A quick list of valentine's gifts... in no particular order of popularity... for both men and women....( Continue Reading ) Valentines Day Perfume Gifts - Perfume for Valentines Day Perfume to give for Valentines Day....( Continue Reading ) Valentine Gifts For Women Directory Links creative gifts for guys order gifts online sympathy baskets perfect gifts for men gifts for children birthday gifts for him christmas gifts gift baskets flowers charleston gift baskets simple christmas gifts steves flowers and gifts free birthday gifts wedding anaversary gifts wine gifts valentines day and gifts personalized office gifts university of texas gifts send gifts to bangalore wedding gifts unique anniversay gifts handmade gifts gift baskets of vermont golf gifts personalized holiday gifts birthday gifts for girls gifts for 11 year old girls mothers day gifts to india romantic gifts 4th wedding anniversary gifts wedding aniversary gifts by year creative gifts online gifts uk unique valentines gifts bernese mountain dog gifts longaburger baskets send gifts to australia cool anniversary gifts gourmet cookie baskets cat lovers gifts baby gifts personalized gifts to make at home gift baskets of nebraska gifts for lawyers unique wedding party gifts wedding gifts for bride 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
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. An investor's best course of action must be based on individual circumstances. © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help