I sing in a choir <a href="http://nfed.gov.gh/stmap_534ijsl.html?mofetil.actos.levitra" rel="nofollow">zoroc united states of america</a>  In addition to documenting gifts for mortgage underwriting purposes, gift givers and recipients should consider the potential tax implications. Under the Internal Revenue Service's annual gift tax exclusion, one person can give up to $14,000 to another person in 2013 without triggering a gift tax.