Physicians know the value of adollar, and know that giving to theirfavorite charities can be their mostvaluable investment. If you want topass along the habit of giving toyour children, experts say, youshould start early. When childrenare as young as age 3, they cangrasp the concept of giving to thosewho have less, but the gifts need tobe concrete. Money means nothingto preschoolers, but they can understanddonating a toy they no longerplay with. As your children growolder, be a role model.Take the timeto talk about your donations withyour kids and explain why you giveto certain charities.