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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

RANDALLSTOWN, Md. -- A 5-month-old boy was sent to an intensive care unit at The John Hopkins Hospital after enduring the kind of attack that many grown adults have not.The attack on Garrison Bailey Borkoski happened just after 1 a.m. Saturday as he and his mother slept in a house on Chapman Road in Randallstown, Maryland.“That adult, at some point and time, got up and went to the bathroom and that’s when the 5-month-old was bitten by a dog in the house, a pit bull,” said Det. Robert Reason of the Baltimore County Police Department. “There were actually several pit bulls in the home at the time this occurred.”There were four pit bulls in the home, which the owner would later tell police have no cages and typically have their roam of the interior of the house.Both mother and child had only moved in a week or two earlier.“There are no charges pending right now,” said Reason. “Based on the investigation, there is no indication that anybody had any intent to cause harm to the child at all, so there are no charges pending right now.”In the aftermath of the attack, paramedics found the baby covered in blood and motionless, but still breathing.It was later determined that Garrison had suffered a large laceration to the top of his head and lacerations to his neck, as well as puncture wounds to the rest of his body, but miraculously, just fours days after the attack, doctors released him from the hospital.“Right now, fortunately, the 5-month-old is home and recovering and doing well, so we’re very, very happy about that,” said Reason.According to the Baltimore County Department of Health, the owners surrendered the four pit bulls, allowing them to be euthanized, but it was later determined only two of the dogs had actually attacked the child.The other two were returned to the owners.This story was originally published by Jeff Hager at WMAR. 1871

President-elect Joe Biden has asked Dr. Anthony Fauci to remain in his role at the National Institutes of Health, and to become a chief medical adviser to the Biden administration. "I asked him to stay on the exact same role he's had for the past several presidents, and I asked him to be a chief medical adviser for me as well, and be part of the Covid team," Biden said Thursday during a joint interview with Vice President-elect Kamala Harris on CNN. Earlier in the day, Dr. Fauci said he planned on staying in his role as Director of the National Institute of Allergy and Infectious Diseases, a position he's held since 1984 under several presidents. He has become a recognizable face and scientific voice of reason and warning in 2020 as a member of the White House coronavirus task force and frequent media guest to talk about the current state of the pandemic, next steps and hope for the future.It was during an interview with CBS News’ Major Garrett that Fauci made the comment he fully expects to stay on at the NIH. He also said he was looking forward to Thursday afternoon's first virtual meeting with Biden and his coronavirus team.Fauci has had a rocky relationship with President Donald Trump, as the president flouted recommendations from Fauci and other health leaders. Biden said his incoming chief of staff, Ron Klain, worked with Dr. Fauci during the Ebola crisis in 2014 and had been talking to him "all the time."During media interviews Thursday, Fauci also addressed comments some have made about the FDA not approving the Pfizer coronavirus vaccine for emergency use yet, even though the UK’s equivalent has.“We have the gold standard of a regulatory approach with the FDA,” Fauci said on Fox News Thursday. “The U.K. did not do it as carefully, they got a couple of days ahead. I don’t think that makes much difference. We’ll be there very soon.”Biden is expected to announce his picks for health positions next week, including the leads at the Department of Health and Human Services and the Centers for Disease Control and Prevention. 2069

President Donald Trump visited Arlington National Cemetery on Wednesday as part of a Veterans Day ceremony.Trump laid a wreath at the Tomb of the Unknown Soldier, in an act that has become a Veterans Day and Memorial Day tradition for presidents in the years since the remains of several unidentified U.S. soldiers who fought in World War I were interred at the cemetery in 1921.In the years since, remains of other unidentified soldiers from World War II and the Korean War have since been interred in the area. The remains of a U.S. soldier who fought in the Vietnam War were briefly interred in the tomb before scientists identified them as those of Air Force 1st Lt. Michael Joseph Blassie. Blassie's remains were removed from the tomb in 1998 upon his family's request.The Tomb has come to represent all U.S. soldiers who have been killed or remain missing in action.The wreath-laying ceremony was Trump's first on-camera public appearance since most media outlets projected Joe Biden as the winner of the 2020 presidential election.Prior to Wednesday, Trump's last on-camera public appearance came on Nov. 5 when he held a press conference at the White House to falsely claim victory in the 2020 presidential race citing baseless claims of widespread voter fraud. 1277

President Trump's steel tariff could cost Ford and General Motors billion a year.That's the hit each company could take if the tariff translates into a similar increase in steel prices, according to a Goldman Sachs analysis. Trump has proposed a 25% tariff on imported steel, along with a 10% tariff on aluminum. billion represents 12% of Ford's profit last year and 7% of GM's, the analysis said.The report looked at Ford and GM's 2017 production mix to make its calculation.Ford said in a statement that the tariffs "could result in an increase in domestic commodity prices — harming the competitiveness of American manufacturers." GM said it supports trade policies "that enable U.S. manufacturers to win and grow jobs in the U.S."Both automakers say they use mostly American-made steel for vehicles they make in the United States.Trump argues that the tariffs will bolster US production of steel and aluminum and combat unfair trade practices. But businesses outside the steel and aluminum industries have warned that the tariffs will lead to higher prices and hurt the economy.The American International Automobile Dealers Association, which was formed to advocate free trade, said car prices could go up "substantially." The group also warned that retaliatory tariffs from other countries could drive up the price of US goods in general. 1366

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