DEAR MISS MANNERS: We moved from our home of seven years when the bank would not renegotiate our mortgage and chose to foreclose. As is common, there was a substantial shortfall (several million).

The house ended up selling for 10 percent less than we paid for it, and 40 percent less than our basis after improvements. We may be able to avoid bankruptcy, but it is not clear at this time. Perhaps this is too much information, but it helps you better understand our situation.

One of our neighbors who was aware of the situation called me and said he was sorry for our misfortune. His call was greatly appreciated. I'm sure the other neighbors were aware as well, but never said anything. Actually, I think we were probably the talk of the neighborhood.

Nevertheless, should I notify our other neighbors of our new address, mentioning that our personal circumstances have changed, or just move on?

GENTLE READER: Having literally moved on, you can easily move on socially; no explanation is necessary. But Miss Manners is dismayed at the implication that you were on cordial terms with the neighbors you left behind, but now believe that they are gossiping unsympathetically about your plight.

It was kind of one person to commiserate, but others might feel that it would be intrusive to acknowledge that they know about your financial plight -- if, indeed, they do. In either case, your moving away without a word would seem as if you were the one to cut them off, not they, you.

It would be graceful to assume the best of them and send your new address. But please leave out the part about your personal circumstances. That is only asking for gossip, and the misinterpretation that you are expecting them to give you more than sympathy.

DEAR MISS MANNERS: What is the appropriate response if someone tells you she is putting you in her will?

I was stunned when my cousin told me she was putting me in hers, and I just said thank you. But I was curious to know more! Is it bad manners to pursue and ask questions? Can you ask how much?

GENTLE READER: Yes, that is bad, and it is even worse to ask how long until you get it, which is what any probing for particulars is bound to suggest. The proper response is to lace your profuse thanks with the hope that it will be a long, long time before the will is needed.

Need Miss Manners remind you that wills can be changed?

DEAR MISS MANNERS: Eighty-five percent of the players' parents have made a donation toward a gift for our coach. I don't want to say this gift is from the team, because some did not contribute. Am I being selfish?

GENTLE READER: No, just petty. Well, generous at the same time, Miss Manners acknowledges, because you wanted to do something for the coach.

But those who organize group presents often blithely assume that it is only fair that everyone divide the cost. And usually they have unilaterally declared the need, selected the item and declared the price. They then get angry, as you have, at those who do not pay, some of whom may have been unable to do so without hardship.

Please try to think of this, instead, as a team effort. When the team wins or loses, everyone does, even those who did not directly participate in that game.

(Please send your questions to Miss Manners at her website, www.missmanners.com; to her email, dearmissmanners@gmail.com; or through postal mail to Miss Manners, Universal Uclick, 1130 Walnut St., Kansas City, MO 64106.)

DEAR MISS MANNERS: What is the latest etiquette on modern marriages? This couple has been living together for a number of years, but as they are both young, the parents financed and hosted the wedding, which had a limited number of guests.

Now the parents would like to send announcements to the many friends and relatives, but wonder if this would be quite proper. Do wedding announcements "obligate" a receiver to send a gift? Also, is it proper to include the residence address of the married couple on the announcement?

GENTLE READER: What you describe is the traditional wedding announcement with an enclosed "at home" card with their address. The recipients' only obligation is to send best wishes, since these are presumably people in whom they have some interest.

So yes, it is proper. But is it prudent?

Correct forms are so rare nowadays that Miss Manners keeps receiving indignant letters from those who misinterpret them. All of them -- about births, graduations, weddings, anniversaries, deaths -- are interpreted as bids for presents.

Announcements often arouse special indignation, because the recipients feel cheated of the parties to which they assume that more favored people were invited. Some even mistake announcements for invitations that they assume were cunningly sent when the date was past.

All this speculation is nasty, and Miss Manners dearly hopes that those who are not grousing are reacting with pleasure to the announcements they receive and responding with congratulations. Some may feel moved to send presents, but that is by no means an obligation and should not be expected. (Well, presents should never be expected, but that's a whole other lesson.)

There are things that the senders of announcements can do to minimize unpleasant reactions. For a starter, they can remember that the function of an announcement is to tell people something they don't already know.

Sure, others may have noticed that the baby's birth is imminent, or heard nonstop wedding talk for the past year, but things can go wrong, and an announcement confirms the event. But those who have already been called, tweeted and shouted to from the housetops may wonder why they also receive announcements -- if not, they then surmise, as notification of presents due.

The true reason may be that the announcers are waiting to include photographs. That is no excuse. Photographs can be (and goodness knows, will be) sent or posted without the pretense that they accompany breaking news. Wedding announcements, in particular, should be readied before the event and mailed the day after.

Another cause for cynicism is that announcements are often sent to those who are not all that interested in the people involved. Perfectly nice people may be indifferent to the fact that an acquaintance's daughter has finished high school. So they wonder why they are being told. A crucial question people forget to ask themselves before sending announcements is, "Will these people be delighted to know?"

DEAR MISS MANNERS: Is it tacky or inappropriate to attach a business advertising magnet to the candy you give out of your house at Halloween?

GENTLE READER: In the hope that all those cute little ghosts will want to do business with you?

(Please send your questions to Miss Manners at her website, www.missmanners.com; to her email, dearmissmanners@gmail.com; or through postal mail to Miss Manners, Universal Uclick, 1130 Walnut St., Kansas City, MO 64106.)

DEAR MISS MANNERS: I was at a wedding for which I drove a total of 19 hours there and back, only to find the following line on the back of the ceremony program: "In lieu of thank-you notes, we will be making a donation to the American Cancer Society."

This greatly upset me and many of the guests I was with. Is this a new tradition or is this completely inappropriate?

GENTLE READER: This stance -- "We don't have to be polite to you because we care so much about others" -- has been around for some time now. It is cited to cover a range of bad behavior, from yelling at strangers in the street to -- as in this case -- trampling on the feelings of friends and family.

What puzzles Miss Manners is how this is rationalized. How does the admirable act of giving to charity cancel out the need to express gratitude?

No doubt this couple expects acknowledgment from the American Cancer Society (indeed, they need it to take a tax deduction), yet they believe it does themselves credit to refuse to acknowledge the generosity of others.

DEAR MISS MANNERS: My wife and I are having a continual battle over our window coverings. I believe it is rude for us to keep our blinds open, particularly at night. She does not think so. Is there etiquette for window coverings?

GENTLE READER: That would be Don't Frighten the Neighbors. But Miss Manners would advise not interesting them too much, either.

DEAR MISS MANNERS: A few of our neighbors get together and have neighborhood socials. Some of the socials are Halloween, Christmas cookie exchange and Christmas parties.

In each of the invitations, the hosts request that everyone provide an hors d'oeuvre or dish, and they provide the house, a dish and wine.

One of the hostesses mentioned that if you come, you need to reciprocate. It doesn't look like any of the neighbors are reciprocating, unless it's a one-on-one dinner with them.

What is proper? My husband doesn't have anything in common with any of them, and some of the hosts and hostesses are very heavy drinkers, which turns him off. He goes because I like most of the people.

GENTLE READER: You like them in their houses, you mean, but not in yours. But that is not the way social life is supposed to work.

Miss Manners understands these to be cooperative parties, in which the same few people provide the venues, and are feeling put upon because others won't. Inviting the hosts by themselves does show appreciation, but it is not the same as assuming responsibility for the neighborhood-wide parties, which apparently everyone, including you (although not your husband), enjoys.

Perhaps a neighborhood committee is in order, at which people can divide the chores more reasonably. For example, people who don't have such parties at their houses might form a clean-up committee for those who do. The plea for equivalent effort is legitimate, although a hostess shouldn't have had to make it.

And please remember that the hosts' shortcomings are irrelevant once you have overcome these enough to accept their hospitality.

(Please send your questions to Miss Manners at her website, www.missmanners.com; to her email, dearmissmanners@gmail.com; or through postal mail to Miss Manners, Universal Uclick, 1130 Walnut St., Kansas City, MO 64106.)