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I remember a friend of mine suggesting that waiting until after your death to give the people you love something you want them to have is not the best way to do it. If you wait until they get it from your will, in many cases, they must pay an inheritance tax on it. Besides, you don't get to express your esteem in person. He said it's better to give it to them while you're still alive. The gesture is much more personal, and the gift is not tainted with grief.

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