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Receiving a wedding invitation should be exciting, not dreadful. But if it’s not the first one this season, or if you’re keeping a wary eye on your budget, getting that embossed white card in the mail could bring mixed emotions — and the search for a tactful way to decline. One-third of Americans have skipped or considered skipping a wedding because they couldn’t afford to attend, according to a recent survey from NerdWallet, conducted online by The Harris Poll. Their reluctance to attend is understandable, considering that the average reported budget for a close friend’s wedding gift was 8, according to the survey. “Many wedding guests look at a friend’s bridal registry and start doing the math,” says Courtney Jespersen, NerdWallet consumer saving expert. “But thankfully, the 0 coffee maker and 0 vacuum aren’t your only gift options.”Here are several budget-friendly wedding gifts that cost far less, or even nothing at all.Go in on a gift with a group. Other guests may be in the same boat, and if the wedding registry has gifts at various price points, there’s an opportunity for you to pool your gift budgets and choose something the couple really have their eyes on. Check with friends you know are on the guest list and choose an amount to spend that fits everyone’s budgets.Shop off-registry. You don’t have to stick to the wish list the couple put together, particularly if there’s nothing on there within your budget. “It’s perfectly fine for a guest to go off-registry,” says Diane Gottsman, national etiquette expert and founder of The Protocol School of Texas. “A registry is a useful guide that makes sure the bride and groom get what they need. However, a guest can also feel free to write a check or purchase something else they know the bride and groom will enjoy.”? MORE: 3 tips for the ideal wedding guestGive an experience. If the happy couple are millennials, there’s a good chance they’d love an experience more than a material gift anyway. Offer to plan and prepare a romantic picnic or help them build a garden in their backyard, Gottsman suggests.Contribute to a larger cause. If it’s good enough for Prince Harry and Meghan Markle, this may work for your friends, too. More than 4 in 10 (43%) millennials say they’d prefer to donate to charity in a couple’s name than buy them a registry gift, according to the NerdWallet survey. This is an appropriate gift if the couple has requested charitable contributions in their name or if you know they feel strongly about a certain cause or organization. Most charities don’t have a donation minimum, so you can spend as much or as little as you want.Help fund a honeymoon (or home). Honeymoon and even down payment funds are increasingly popular choices for couples with pending nuptials. If your friends have set up such a registry, it’s a good option for guests with fixed budgets. ? MORE: How to cut wedding guest costsGet creative. Personalized gifts often mean the most. If you’re artistic, write the couple a meaningful poem or paint them a picture. You could also pay for someone else’s creativity — getting a relatively inexpensive photo frame personalized with the wedding date or couple’s last name, for example, makes a unique gift that may come in well under the average gift budget. “A gift doesn’t have to be expensive to be significant,” Gottsman says. “The most important thing is to let the bride and groom know you’re happy for them and wishing them a lifetime of happy memories.”More From NerdWallet 3626

President-elect Joe Biden says he won’t immediately lift tariffs placed by President Donald Trump on many imports from China or break Trump’s initial trade deal.Biden says he wants to maximize his leverage in future talks with the United States’ geopolitical rival.Speaking to New York Times columnist Thomas Friedman, Biden said, “I’m not going to make any immediate moves, and the same applies to the tariffs.” Biden adds in Friedman’s column published Wednesday: “I’m not going to prejudice my options.”Under Trump, the U.S. and China engaged in a yearlong trade war that has been largely frozen since a Phase One deal was reached in January. While some industries have benefited from Trump’s protectionist policies, the policies have been largely panned by the business community and most experts — and most of the cost of tariffs has been borne by American businesses and consumers.Biden tells Friedman an early priority after his January swearing-in will be to restore relationships with allies to strengthen his negotiating position with China. Biden says key to talks with China is “leverage” and in his view “we don’t have it yet.” 1148

Republican Kim Davis, the Kentucky court clerk who became a conservative Christian heroine for refusing to sign same-sex marriage certificates three years ago, lost her re-election bid Tuesday, according to unofficial results posted by the Kentucky State Board of Elections.Democrat Elwood Caudill Jr. appeared to defeat Davis by more than 650 votes in the race for clerk in Rowan County, according to the unofficial results, with all precincts reporting. "She congratulated me, told me we done a great job, and I thanked her, told each other we loved each other," Caudill told CNN affiliate WKYT, after he said Davis called him to concede.Davis spent several days in jail in September 2015 after refusing to abide by that summer's historic US Supreme Court ruling that legalized same-sex marriage."It is not a light issue for me. It is a heaven or hell decision," Davis said in a statement at the time, citing her religion.A federal court judge declared Davis in contempt of court for refusing to issue the licenses and not allowing her six deputy clerks to issue them in her place. US District Court Judge David Bunning ordered that Davis remain behind bars until she complied.Five of her deputies then agreed to issue marriage licenses in her absence, and the Rowan County Clerk's Office also began doing so.The judge ordered her release days later, saying he was satisfied the office was issuing marriage licenses to "legally eligible couples."A few years before the Supreme Court ruling, Davis had converted to Apostolic Christianity, a faith which has a strict moral code, her attorney said at the time.Davis later had a private meeting with Pope Francis in Washington during his first US visit in 2015. 1717

Republican Senate Majority Leader Mitch McConnell predicted Wednesday that if Democrats take control of the House of Representatives and start investigating President Donald Trump, it could backfire on the party and create a political advantage for the President."I think it will help the President get re-elected," McConnell said during an interview with The Associated Press when asked about the possibility that Democrats could "launch many, many investigations into the President and the administration," into matters such as Trump's tax returns and his business empire, if they win the House in the midterm elections.McConnell suggested that if Democrats were to pursue that strategy, voters would turn against them.The majority leader recalled what he described as the "price" that Republicans paid for impeaching Democratic President Bill Clinton in the 1990s.McConnell said many congressional Republicans thought they would have "a great year in '98," but instead "it worked exactly the opposite.""The public got mad at us and felt sympathy for President Clinton," he said.McConnell warned, "So this business of presidential harassment may or may not quite be the winner they think it is." 1215

Prior to the shooting at a country music festival in Las Vegas, the term “bump stock” wasn’t a familiar one to most people. Even among gun owners, the devices weren’t big sellers.A bump stock allowed the gunman in the Las Vegas shooting to make a semi-automatic rifle function more like a fully-automatic one by bumping the trigger so that it had a quicker fire.Following the shooting, there was rare bipartisan support to get rid of them. Despite the support, Congress never took action and many blamed the National Rifle Association.However, reports now indicate that the Trump administration will soon outline a federal rule that would officially ban the devices.“I would call it the bare minimum of steps, says Elizabeth Becker, a volunteer with the gun advocacy group Moms Demand Action in Las Vegas.“We do want to see bump stocks regulated, seeing as they create machine guns out of semi-automatic weapons, but there is a lot more to do on this issue.”Becker says she believes more substantive changes to gun laws are coming, thanks to the new Democrats recently elected to the House.But not all gun owners are on board with the proposal."If you're a law-abiding citizen in America and you have a clean record, you should be able to own anything you want," says Mel “Dragon Man” Bernstein, owner of Dragonman gun store in Colorado Springs.Reports indicate the new rule would force owners to turn in or destroy bump stocks within 90 days. 1466

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