UNDERSTANDING,THE GIFT,JAVASCRIPT,VIEW,COMMENTS,DISQUS,NAVIGATION,SUBSCRIBERS,LOG IN,CLOSE,WEALTH,CREATION,INVESTING,RETIREMENT,TAXES,YOUR MONEY,YOUR BUSINESS,MAGAZINE,MARKETPLACE,SMALL BUSINESS,SPECIAL,REPORTS,TOOLS,SLIDE,SHOWS,COLUMNS,BASICS,PERSONAL,FINANCE,ECONOMIC,OUTLOOKS,FOLLOW,KIPLINGER,CUSTOMER SERVICE,CONTACT,US MEDIA,RELATIONS,PHOTOCOPYING,ELECTRONIC,ADVERTISE,PARTNERSHIPS,SYNDICATION,ABOUT US,EMPLOYMENT,OPPORTUNITIES,PRIVACY POLICY,TERMS OF SERVICE,MILLENNIUM COPYRIGHT,SITE MAP,GIVE,GIFT,KIPLINGERS PERSONAL FINANCE,ALERTS,THE KIPLINGER LETTER,TAX,LETTER,KIPLINGERS RETIREMENT REPORT,KIPLINGERS,INCOME,ANNUAL,RETIREMENT PLANNING,GUIDE,BOOMERS,SOCIAL SECURITY,WEBINARS,13TH STREET,SUITE,FREE,WASHINGTON,SEARCH,DEALS,QUIZ,YOUR,MUTUAL FUND,SLIDE SHOW,STOCKS,WARREN BUFFETT,BUYING,SELLING,TOWNS,POPULATIONS,REPORT,PLANNING,TAX RATES,TAX BRACKETS,ADVERTISEMENT,TIPS,IF YOU,DONT,DECEMBER 31,LOSE IT,BETH,FRANKLIN,SENIOR EDITOR,DECEMBER 10,UNDERSTOOD,RULES,THE FEDERAL,GIFT TAX,FOR GOOD REASON,ALMOST,NO ONE,HAS TO,THE LATEST,AVAILABLE,FEWER,AMERICANS,PAID,FEDERAL,GIFTS,THATS RIGHT,THE GIVER,EASY,THING,THE LAW,TOTALLY,CERTAIN,SIZE,THE LIMIT,RISE,EXAMPLE,YOU CAN,GIVE UP,NUMBER,PEOPLE,YOURE,MARRIED,INDIVIDUALS,SPOUSE,ANYTHING,PERSON,THE ANNUAL,AMOUNT,MUST,FILE,RETURN,KEEP,TRACK,LARGESS,EVERYONE,GETS,CREDIT,EFFECTIVELY,UP TO,LIFETIME,INCOME TAX DEDUCTION,THERES,ADVANTAGE,ASSETS,AWAY,PLUS,FUTURE,APPRECIATION,WONT,BE IN,ESTATE,TAXED,AFTER YOU,PARTICULARLY,PAY ATTENTION,PRESIDENT ELECT BARACK OBAMA,ESTATE TAX,PERMANENT,MARRIED COUPLES,TAX RATE,DEMOCRATS,HOUSES,CONGRESS,REPUBLICAN,PERMANENTLY,REPEAL,HOLD,WHY WORRY,FOREVER,NEW YEAR,PRESENTS,CANT,REACH,BENEFIT,PREVIOUS,ALLOWANCE,NEXT YEAR,COUPLE,PLAN,THEIR SON,GIVE IT ALL,ONE YEAR,SHELTERED,THE OTHER,GAVE,HALF,FULL,PROTECTED,CHECK,SURE,THE END,THE YEAR,COMES,IRS,TRANSACTION,OPTION,FUND,STATE,COLLEGE,SAVINGS,YOUR CHILD,FIVE YEARS,WORTH,ONCE,MEANING,CHILD,JOINT,CONTRIBUTION,MAXIMUM,CONTRIBUTIONS,INCREASE,COUPLES,PLANS,DEDUCTIBLE,INCOME TAXES,TAX DEDUCTIONS,STATE INCOME TAXES,SHOW,MARKET,UPDATE,WASHINGTON DC,TOLL FREE,