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

jewelry gift! Welcome to

Christian Jewelry: Gold Cross Pendants, Rings, Religious Jewelry Christian jewelry. Christian & Religious gifts. Christian Gold Crosses, religious jewelry, religious gifts, diamond cross pendants, diamond crosses, religious pendants, christian pendants, 14k gold at christian jewelry gift! Welcome to Christian Jewelry Gift, your source for Christian and Religious Jewelry! Categories Gold Crosses Gold Crucifixes Diamond Crosses Christian Rings Religious Pendants Catholic Jewelry Jewish Jewelry View All Religious Jewelry Featured Items 14K Gold Onyx Cross Christian Ring Last Supper Bangle Bracelet White Gold Diamond Cross Ring Jesus Crucifixion & Resurrection Tri-Color Pendant 14K Gold Onyx Cross Pendant Holy Spirit Dove Pendant 14K Gold Bible Pendant More Gold Jewelry : Apples of Gold Jewelry - 14K Gold Jewelry, bracelets, gold chains, necklaces, wedding rings, more! Wedding Jewelry? Wedding-Band-Ring.Com - Wedding bands, wedding rings, white gold wedding bands, two-tone wedding bands, mens wedding bands, more! All Christian Jewelry is available with matching 14K Gold Chain Necklaces! 14K Gold Tri-Color CZ Jesus Crucifix & Resurrection Pendant , $249! 14K Solid Gold 1/2 Carat Diamond Cross Pendant , $425! Men's Diamond Cross Ring , $185! 14K Solid Gold "Last Supper" Bangle Bracelet , $295! 14K White Gold Men's Cross Pendant , $142! 14K Solid Gold Holy Spirit Pendant , $20! 14K Solid Gold Men's Onyx Cross Ring , $143! Stainless Steel & 14K Gold Cross of Nails , $99! 14K Solid Gold Angel Pendant , $38! We have observed that most religious jewelry stores mark up their Christian jewelry as high as 300% per item. This is not the case with our Christian and religious jewelry. It is not our purpose to judge, but to simply state that we do not feel right marking up our jewelry nearly as high as most Christian jewelry stores. Whatever the reason, at Apples of Gold Jewelry, you can rest assured that you are getting a better value for the amount of gold for your item as well as intrinsic value of our jewelry. Christian Jewelry Gift carries a selection of: Christian Jewelry, Christian Gifts, Gold Cross Pendants, Religious Jewelry, Religious Gifts, Diamond Crosses, Christian Jewelry Pendants, Crucifix Pendants, in 14K Solid Gold, Guaranteed! Christian Jewelry gift offers top of the line quality gold Christian Jewelry at affordable prices for Christian rings, Christian crosses, Christian pendants, and more! We give thanks the Lord Jesus Christ for all that he has worked through us and for us! R elated Jewelry 2000 Christian Jewelry Gift.

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

Shower Gifts Decorations &

4 Showers.com -Bridal Showers & Baby Showers - Favors, Games, Gifts, Decorations & Supplies Home Shopping Party Planning View Cart Help Contact Us Customer Comments Back Your one stop shower shop offering everything needed to plan the perfect bridal or baby shower. Bridal Shower Bridal Shower Favors Bridal Shower Gifts Decorations & Supplies Bridal Shower Games Budget Favors Party Planning Tips Baby Shower Baby Shower Favors Baby Shower Gifts Decorations & Supplies Baby Shower Games Budget Favors Pregnancy Products Party Planning Tips Check out our current half price bridal specials ! Check out our current half price baby specials ! Check out the adorable favors , unique gifts , great party planning tips and beautiful decorations and supplies , all delivered conveniently to your door . Enter Keywords Newlywed Kitchen Combo Bride and groom oven mitts really get things cooking in the kitchen! Stir up some smiles with this fun novelty item. More Info Personalized Bridal Tea Favor with Caddy Personalized tea bag available in five attractive designs, topped off with a porcelain teapot-shaped caddy. More Info Celestial Bridal Shower Favor Give your guests the gift of relaxation with these heavenly bath beads. They'll be singing "Twinkle, Twinkle, little sun, moon, and stars." More Info Bridal Shower Rolling Pin Recipe Card Holder Sheer delight and practicality all "rolled up" into one! Homespun, vintage-inspired, real wooden "rolling pin" is actually a convenient recipe card holder. More Info Shades of Autumn Leaf Soap Petals Fall in love with our vibrant Leaf Soap Petals, which come in all the shades of autumn: burgundy, gold, orange, and green. More Info Cheers to a Great Combination Two hearts, one amazing future. This combination is as perfectly suited to each other as the bride and groom. Included is one chrome Heart Shaped Bottle Stopper and one chrome Tuxedo Heart Corkscrew in whimsical packaging. More Info Daddy Tool Belt Having a baby is a two person endeavor, and there's no need to wonder about what to get Daddy. Tools of the trade diaper changing tool belt is filled with all the necessities for changing baby. More Info Noah's Ark Magnet Favor Everybody loves and uses magnets, and these colorful 2.5" resin magnets are available in three assorted styles. More Info Baby Shower Rolling Pin Recipe Card Holder Sheer delight and practicality all "rolled up" into one! Homespun, vintage-inspired, real wooden "rolling pin" is actually a convenient recipe card holder. More Info Lucky Ducky Favor Charm and delight your guests with this darling duck-shaped soap. More Info Personalized Baby Shower Tea Favor with Caddy Personalized tea bag available in four baby shower designs, topped off with a porcelain teapot shaped caddy. More Info Labor Day Pamper Pack Surprise your favorite Mommy-to-be with the gift of tranquillity on the one day she'll really need it! Delivery day will be even more special with this tote bag of goodies to help her feel pampered. More Info Baby Shower: Favors | Gifts | Decorations & Supplies | Games | Budget Favors | Pregnancy Products Bridal Shower: Favors | Gifts | Decorations & Supplies | Games | Budget Favors Home | Shopping | Party Planning | View Cart | Help | Contact Us | Links | Back 4 Showers.com, A Division of The Rosemary Company, 2000 - 2005 This site designed by Fox Web Design Please direct all questions and comments to the Webmaster

College Gift! Downtown State

Downtown State College Pennsylvania Categories Home About State College Entertainment Lodging Business Events Cultural Attractions Shopping Restaurants Members Parking Lion Cash Campaign Board Members Current Newsletter Board Minutes & Annual Reports Photo Album Property For Sale/Rent/Lease Map Event Calendar Gift Cards Parking Program Give the Ultimate State College Gift! Downtown State College is excited to offer our new gift card. The card is accepted at over 100 downtown locations and may be purchased in amounts up to $500.00. You may either click on a denomination or specify an amount below. You may purchase as many as you'd like by re-visiting this store page. We accept both VISA and MasterCard. A single gift card can be used at over 100 downtown locations , and a single gift card can be used for gifts as diverse as dining, comic books, massages, music and more - the Downtown State College Gift Card! Purchase Downtown State College Gift Cards -- Gift Card Amount Qty Price $10.00 Gift Card $10.00 $25.00 Gift Card $25.00 $100.00 Gift Card $100.00 $500.00 Gift Card $500.00 Gift Card Amount Qty Price $20.00 Gift Card $20.00 $50.00 Gift Card $50.00 $250.00 Gift Card $250.00 Custom Amount Gift Card Any amount To purchase your gift card by phone call 814-238-7004 . For assistance email dsc@downtownstatecollege.com . The Downtown State College Web Store is powered by Autograph Systems' ecommerce site: sherwoodstore.com. Submitting this order will take you to the sherwoodstore.com website, where the transaction will be made via a secure protocol. Downtown Gift Cards are accepted at the following locations: 2000 Degrees 5twenty7 Access Allen Street Grill Animal Kingdom AOTA Enterprises Appalachian Ski & Outdoors Arboria Records AT&T Aurum Goldsmiths&Jewelers Avant Garden Baby’s Burgers & Shakes Barefoot Buelah’s & Bar Bleu Café 210 West Campbell Travel Cheese Shoppe Chili’s Grill & Bar Cindy Michael’s Hair Co. City Light Records Comic Swap, Inc. Connections Corner Room Restaurant Creative Oasis Custom Alterations Days Inn Penn State Dee’s Designer's Denn Douglas Albert Gallery End Result East Coast Magic Eddie Bauer Euphoria Family Clothesline Fraser Street Deli Fresh Harvest Kafe Gia & Co. Gift Adventures Gingerbread Man Golden Wok Got Used Bookstore Graham’s Ben & Jerry’s Growing Tree Toys & Books HiWay Pizza Immix Wireless Industrie Isabella’s Hallmark Isabelle’s Bead Shop Jack Harper's Young Men's Shop Kitchen Kaboodle Kranich’s Jewelers Lions Pride Looks Hair Design Mad Mex Madison’s Hat’r McLanahan’s Downtown Market McLanahan’s Student Store Mike’s Movies Mio Zio Cafe Moyer Jewelers Mr. Charles Mr. Tux Nittany Line Hobbies Nittany Quill Old Main Frame Shop Old State Cothing Panera Bread Co. Paul & Tony’s Stereo Perfect 10 Physique Boutique Pita Pit Qdoba Rapid Transit Roly Poly Sandwiches Rude Boyz S. J. Miska Goldsmiths & Jewelers Saints Cafe Signature Engraving Spats Café and Speakeasy Spectacles State College Floral Student Book Store Studio 2 Photography Sunshine Imports Sweet Tooth Bakery Sydney Mac Tadpole Crossing Tarragon at The Atherton Hotel The Artisan Connection The Atherton Hotel The Camera Shop The Clothesline The Deli The Music Mart The Pennsylvania Downtown Ticket Center The Rag and Bone The Saloon The Shoe Fly The Tavern Restaurant Uncle Eli’s Webster’s Bookstore & Cafe Wendy’s Wing Zone Woodring’s Floral Gardens Ye Old College Diner Yogurt Express Your Cigar Den Zola New World Bistro Rev. 10/21/2004 Downtown State College Improvement District 127 South Fraser Street, State College, PA, 16801 Phone: 814-238-7004 and email: dsc@downtownstatecollege.com