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If I’m home alone I don’t answer or sometimes, while keeping the door closed I tell them to come back when my husband will be home. My husband learned that the best way to give tzedaka is to make the poor person feel like he is the one who is giving and that the best way to do that is to have him teach you a little Torah. When my husband is home, he brings them in, sits them at a table, offers water and food and asks them for their insight on something he learned that day. He also learned that the derech of a poor person is that they are bashful so if they ask him to give more than he planned to give he politely refuses.