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It is common courtesy to smoke only in designated smoking areas to contain second-hand smoke, and for smokers to carry small portable ashtrays to dispose their cigarette butts when cigarette bins cannot be found

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To do this, consider expenses such as: Any debts (such as home loan, car loan, credit card loan, etc.) If you have a child, consider the cost of putting them through college Calculate how much your family might need for end-of-life expenses (in Canada, a funeral can easily cost as much as $10,000!) Determine how much your loved ones will lose if you pass away unexpectedly