the restriction is decided by the legal aid committee on the basis of the application of the individual. this is the day after the three wise men arrive, loaded with presents for all those who have been good during the year. would you rather ... give gifts or receive gifts? needs/wants: once you have determined how much you have to put down as a down payment and know how much you can afford in a home it is important to create a master list of needs and wants out of a home. like they say, beauty is pain and these accessories were no laughing matter. 