Harry Gross writes about personal finance for the Daily News.
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Harry Gross: I have enjoyed my many years at the Daily News more than my vocabulary can describe. I always operated without any editorial restrictions on my opinions, for which I have always been grateful. That goes for more than 10,000 columns!
Dear Harry: My father is 84 and in very good health. He has a modest estate and a very decent pension. He has three children who are all making it on their own, but no big shakes. For many years, he had life insurance to protect my mother, but he did not
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