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	<title>Health &#38; Family &#187; Suzanna de Baca &#124; TIME.com</title>
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	<description>A healthy balance of the mind, body and spirit</description>
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		<title>Health &#38; Family &#187; Suzanna de Baca &#124; TIME.com</title>
		<link>http://healthland.time.com</link>
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		<title>All in the Family: Siblings, Caregiving and Money</title>
		<link>http://healthland.time.com/2013/01/16/all-in-the-family-siblings-caregiving-and-money/</link>
		<comments>http://healthland.time.com/2013/01/16/all-in-the-family-siblings-caregiving-and-money/#comments</comments>
		<pubDate>Wed, 16 Jan 2013 15:46:22 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[caregiving]]></category>
		<category><![CDATA[family caregiving]]></category>
		<category><![CDATA[family life]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[lending]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[money management]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[siblings]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=78062</guid>
		<description><![CDATA[Nearly everyone with siblings probably experienced some degree of sibling rivalry as kids. And now, many adult siblings are facing a new challenge – how to become united for the sake of their aging parents. As brothers and sisters confront their parents’ declining health, financial and emotional stress and differences in personality can cause old stereotypes, jealousies or resentments to resurface. Since different siblings’ financial circumstances and knowledge can vary widely in adulthood, family money issues can be an unexpectedly difficult part of caregiving. If your parents are experiencing health issues, it’s important to figure out how you can put any differences – financial or otherwise – aside to work toward the common goal of caring for your mom or dad. Here are some tips to help you and your siblings (or other caregivers for your parents) manage the financial aspect of caregiving together. (MORE: Four Typical Holiday Money Fights–And How to Avoid Them) 1. Assign a primary coordinator for financial tasks. It’s easy to streamline tasks when one person is accountable for managing the finances, but keep in mind that others should be informed and involved in financial decisions. Have an open conversation about who will do what, when and what support will be needed from others. Be precise about who is responsible for financial tasks. For example, specify who will tackle bills, day to day banking, investments, insurance and taxes. And don’t wait until the last minute-having a clear plan with the roles and responsibilities of each sibling determined ahead of time can be helpful as your parent’s situation changes or worsens. 2. Be aware of differences in money styles. Keep in mind that everyone has different attitudes towards money and money habits. For example, one sibling may work to determine the most cost-effective way to help in caregiving duties while another may splurge on services that your parents don’t necessarily want or need. Make sure you have a comprehensive idea of your parents’ current financial situation before you begin discussing and making decisions with family members and caregivers. Having<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=78062&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Family</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/family/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2013/01/139204499.jpg?w=240</featured_image>
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		<title>Four Typical Holiday Money Fights–And How to Avoid Them</title>
		<link>http://healthland.time.com/2012/12/24/four-typical-holiday-money-fights-and-how-to-avoid-them/</link>
		<comments>http://healthland.time.com/2012/12/24/four-typical-holiday-money-fights-and-how-to-avoid-them/#comments</comments>
		<pubDate>Mon, 24 Dec 2012 15:00:54 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Family & Parenting]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=76617</guid>
		<description><![CDATA[The holiday season is usually a time of joy, generosity and celebration, but the whirlwind of social obligations, family commitments and financial demands can also be draining. Combine these stresses, and quarrels can easily erupt among even the happiest of couples.  Fights about money are already the most common source of discord among American couples throughout the year, triggering an average of three arguments per month according to a recent study by the American Institute of Certified Public Accountants (AIPCA). Add some financial pressure to the holiday mix, and the good cheer can quickly turn to bickering. Don’t let squabbles about financial matters ruin your holiday. Here are some things that couples often disagree about during the holidays and tips on how to dodge them: 1. “Flying across the country to visit your family is too expensive.” For many, holiday plans include traveling, which can come with an expensive price tag. Even local travel to social events for work or to see nearby family and friends takes time and gas money. Long distance trips can be very costly and fraught with family politics. Clear communication and calendar planning are key to avoiding confrontation. Make a list of all of your family’s social and travel options and discuss them with your spouse or partner. Each of you might have different opinions about which are priorities, but try to make some compromises like discounted lodging and flights or an every-other-year schedule. Remember that it’s okay to say “no” to invitations if the cost – to your energy, emotional health or budget – is too much. You can always schedule a visit to see loved ones later at a less hectic (and usually less expensive) time. (MORE: Kids and Money: Is It O.K. to Play Financial Favorites?) 2. “We need to buy gifts for our kids, colleagues and cousins.” Depending on your personal values, traditions and upbringing, you and your spouse or partner may have differences of opinion about whether to buy gifts, who to buy for and how much to spend. Sit down with your<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=76617&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Family</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/family/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/12/73329899.jpg?w=240</featured_image>
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		<title>Caregiving for an Aging Parent From Afar: Six Ways to Help</title>
		<link>http://healthland.time.com/2012/12/06/caregiving-for-an-aging-parent-from-afar-six-ways-to-help/</link>
		<comments>http://healthland.time.com/2012/12/06/caregiving-for-an-aging-parent-from-afar-six-ways-to-help/#comments</comments>
		<pubDate>Thu, 06 Dec 2012 15:00:08 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Aging]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Family & Parenting]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=75093</guid>
		<description><![CDATA[For my mother and my Aunt Lois, providing care to my elderly grandparents was a difficult and emotionally distressing experience for many reasons, but it was especially hard because of the geographical distance separating them. They both lived far from the southern Indiana farm where my beloved grandparents resided, and only one other aunt lived nearby. Grandpa was the first to experience serious health issues and sank gradually into dementia. And though Grandma’s mind remained sharp until the end, her vision failed in her early 90s and she became homebound and frail, eventually succumbing to cancer. In the course of a decade, my mother and aunts managed the shifting stages of care for my grandparents. The heaviest burden of the day-to-day care fell on my Aunt Emily who lived nearby, while Mom and Aunt Lois visited often and helped with financial and legal matters. As distance caregivers, Mom and Aunt Lois often felt frustrated, constrained and helpless. (MORE: The 12 Hidden College Expenses) The National Institute on Aging estimates that there may be as many as seven million people providing long-distance care in the United States. Caregiving for aging parents from afar iscomplicated. In addition to the emotional aspects that come with the aging process and deteriorating health of a loved one, the financial aspects can also be complex. If you are living far from your elderly parent and he or she is in decline, what can you do to make it easier financially for you and your family? Consider moving Mom or Dad in with you. Depending on your parent’s desire to stay in their home or community,  their health situation and the configuration of your house, moving them home may not be realistic. However, if your aging parent is open to the idea and can be accommodated in your home, it will likely beless expensive than carrying the costs of two houses or funding a room at anursing home. Discuss this with your parents and the other members of your household, and do the math to determine the cost<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=75093&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<primary_category>Family</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/family/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/12/wheel-chair.jpg?w=240</featured_image>
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			<media:title type="html">Wheel Chair</media:title>
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		<title>The 12 Hidden College Expenses</title>
		<link>http://healthland.time.com/2012/11/16/the-13-hidden-college-expenses/</link>
		<comments>http://healthland.time.com/2012/11/16/the-13-hidden-college-expenses/#comments</comments>
		<pubDate>Fri, 16 Nov 2012 10:45:32 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Parenting]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=73792</guid>
		<description><![CDATA[With rising tuition rates, the cost of attending college might be more than what many students and parents anticipated when they began saving for a college education. But for a lot of families, tuition is just the tip of the iceberg. There are many expenses that come with being a college student (or the parent of one) that can add up and cost much more than anticipated. According to the College Board’s Trends in College Pricing report from 2011 to ’12, tuition and fees account for only 38% of the total expense budget for in-state students enrolled in public four-year institutions. The number falls to 19% of the total cost for full-time community-college students not living with their parents. (MORE: You’re Spoiling the Kids! When Parents Disagree on Spending) Holiday breaks are a good time to sit down with your finances and re-evaluate the true costs of college. If you’re a parent providing most of your child&#8217;s college funding and spending money, have a conversation about his or her money management. Consider examining bank and credit-card statements to understand if your (or your child’s) finances are on track, or if you’re spending more than you thought on incidentals. Here are some less obvious but common — and pricey — expenses to watch for: Books and media: According to the College Board, the average annual cost of books for a college student ranges from $850 to $1,000. This is one item you shouldn’t skimp on. To save money, buy used textbooks (even cheaper used books can be found online vs. in the bookstore) or use library resources. If books cost more than you expected, revise the textbook budget for future semesters accordingly. Class and parking fees: Some classes — like art or chemistry — charge fees for materials and studio or lab use. Know in advance which classes come with additional fees and plan for them so you aren’t blindsided. Also, many schools or cities charge for parking on or near campus, so find out how much a parking pass costs. Having fun: Campus life often<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=73792&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<primary_category>Parenting</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/11/88689446.jpg?w=240</featured_image>
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			<media:title type="html">image: Rear view of graduates in caps and gowns</media:title>
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			<media:title type="html">suzannadebaca</media:title>
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		<title>You&#8217;re Spoiling the Kids! When Parents Disagree on Spending</title>
		<link>http://healthland.time.com/2012/10/26/whos-spoiling-the-kids-when-parents-disagree-on-spending/</link>
		<comments>http://healthland.time.com/2012/10/26/whos-spoiling-the-kids-when-parents-disagree-on-spending/#comments</comments>
		<pubDate>Fri, 26 Oct 2012 14:00:54 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Parenting]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=72547</guid>
		<description><![CDATA[Since I write about the impact finances have on families, I often have friends and colleagues confide about financial issues they face at home. One friend recently shared that he and his wife frequently bicker about spending on their kids. More specifically–her spending. In his opinion, she spoils their two young children, splurging on toys, clothes and birthday gifts for their friends. “She buys them whatever they want,” he explained, “and I don’t think it’s necessary.” Most arguments about finances have two sides and I suspected this might be the case for my friend. Often, our spending habits (on kids or other things) are a reflection of our values and priorities – which aren’t always perfectly aligned between family members. Arguments about money are a common source of discord among couples in the United States. According to a new survey by the American Institute of CPAs (AICPA), money fights prompt an average of three arguments each month – making it the most volatile topic for spouses. (MORE: Help! Teens Are Eating My Paycheck) The escalating cost of raising kids [PDF], coupled with a still-difficult economy, makes it more likely that arguments about kid-related expenses will pop up. The most frequent money fights cited in the AICPA survey revolved around “needs versus wants” (58% reported this as the most common reason for a spat), unexpected expenses (49%) and insufficient savings (32%) – all of which can be exacerbated in families with children. Frequently, marital conflict about money can be attributed to a failure to communicate about finances. More than half of the AICPA survey respondents said they don’t set aside time to talk about money before disputes arise. If you and your spouse often have disagreements about spending on the kids, consider exploring the following topics: Talk about your money values. Money habits and values are typically shaped during childhood. So, if your parents were liberal with money, you may have a similar approach. But if you grew up in a frugal environment, or one in which you worked for the things you wanted, your perspective about<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=72547&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<primary_category>Parenting</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/10/1500_presents_1026.jpg?w=240</featured_image>
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			<media:title type="html">Rich Kids</media:title>
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			<media:title type="html">suzannadebaca</media:title>
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		<title>Help! Teens Are Eating My Paycheck</title>
		<link>http://healthland.time.com/2012/10/17/help-teens-are-eating-my-paycheck/</link>
		<comments>http://healthland.time.com/2012/10/17/help-teens-are-eating-my-paycheck/#comments</comments>
		<pubDate>Wed, 17 Oct 2012 17:30:43 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Food & Drink]]></category>
		<category><![CDATA[Parenting]]></category>
		<category><![CDATA[finances]]></category>
		<category><![CDATA[grocery bills]]></category>
		<category><![CDATA[teens]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=71694</guid>
		<description><![CDATA[One of my girlfriends has a very singular type of financial problem – her teenage boys are practically eating through her paycheck. As fall athletics ramp up, her kids’ appetites are escalating and their buddies – often around the home after sports practice – routinely raid her kitchen. As her grocery bills spiral out of control, she’s struggling to determine how to manage her budget so that her savings goals aren’t (quite literally) eaten away. I absolutely understand her plight. There were many things that I was unprepared for when I became the stepmother of two teenage boys, but the grocery bill was unexpectedly among the most staggering day-to-day expense I encountered. I value healthy eating, but I quickly learned that feeding a bunch of teenagers requires a different type of menu planning, snack strategies and sneaky techniques for hiding expensive treats from the teeming hoards of friends who stopped by and plowed through the cupboards. (MORE: The Other Awkward Talk You Need to Have with Your Kids) Raising kids is expensive in many ways, and food expenditures – a substantial portion of that overall cost – are not getting any cheaper. According to a recently released USDA report, a middle income family with a baby born in 2011 will spend $234,900 on average to raise that child to age 18 (excluding the cost of college) – and food costs account for 16 percent of that total, or about $37,440. While $37,440 over 18 years may not seem overwhelming, the per-year cost is highest when children become teens. What a typical family spends varies, of course, depending on the number of kids, household income and general eating habits. If you’re wondering how you stack up against a typical family, check out the USDA’s Cost of Raising a Child Calculator, which enables you to enter your family profile. I entered a sample family (middle income, two adults, two teenagers aged 13 and 15) and determined that the average family of this make-up spends $5150 per year (or $429/month) on food just for their teens.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=71694&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<primary_category>Parenting</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/10/134574220.jpg?w=240</featured_image>
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		<title>The Other Awkward Talk You Need to Have with Your Kids</title>
		<link>http://healthland.time.com/2012/10/11/the-other-awkward-talk-you-need-to-have-with-your-kids/</link>
		<comments>http://healthland.time.com/2012/10/11/the-other-awkward-talk-you-need-to-have-with-your-kids/#comments</comments>
		<pubDate>Thu, 11 Oct 2012 12:00:38 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Parenting]]></category>
		<category><![CDATA[finances]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=71228</guid>
		<description><![CDATA[When I was growing up in Iowa, we didn’t talk about money in my family. My parents valued teaching my siblings and me about saving, budgeting and earning money, but conversations about our family’s economic situation and financial decisions were rare. This was typical at the time — especially in the Midwest, so to my friends and me, money was shrouded in some level of secrecy. Later, when my family hit a rough patch during the farm crisis, we began having more open conversations about money. And while those talks were very difficult at first, it was a relief to understand more about our family’s finances. (MORE: Paying for Grades: What to Consider Before Promising Your Kids Cash for A’s) Apparently, times haven’t changed much when it comes to family money talks. Recent research by the American Institute of CPAs indicates that money remains among the lowest priorities in conversations between parents and their children. In fact, parents are much more likely to have prioritized discussions about pretty much everything else before money. The number who say they’ve discussed manners (95%), eating habits (87%), grades (87%) and the dangers of drugs and alcohol (84%) is significantly higher than the number who say they’ve talked about money (81%). They’re also waiting to have these discussions until their kids are older — 10 on average — which can cause them to miss out on many opportunities during their child’s formative years. Talking about money with your kids can be difficult for many different reasons — especially if your finances seem very personal and private, or if you have anxiety about bills yourself. But discussing money in a calm and open way is crucial to helping your child learn about and become comfortable with finances before they’re expected to manage their own. While you certainly don’t need to provide detailed information about your income or net worth to your children, it can be very effective to include them in meaningful financial discussions — even at an early age. Having regular family conversations about money will<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=71228&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Parenting</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/10/50654214.jpg?w=240</featured_image>
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			<media:title type="html">Money child parents</media:title>
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			<media:title type="html">suzannadebaca</media:title>
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		<title>Can Caring for Your Aging Parents Hurt Your Career — or Your Paycheck?</title>
		<link>http://healthland.time.com/2012/09/26/can-caring-for-your-aging-parents-hurt-your-career-or-your-paycheck/</link>
		<comments>http://healthland.time.com/2012/09/26/can-caring-for-your-aging-parents-hurt-your-career-or-your-paycheck/#comments</comments>
		<pubDate>Wed, 26 Sep 2012 12:00:05 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Aging]]></category>
		<category><![CDATA[Medicine]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=70039</guid>
		<description><![CDATA[When my father was diagnosed with terminal cancer in 1998, I flew from my home in New York City back to my parents&#8217; farm in Iowa one weekend every month for more than a year to help my mother care for him. It was a tough time. I was exhausted from traveling, juggling responsibilities with my own family and worrying about my mother — and, on top of that, I was concerned that the time and energy I was spending to help my parents would have a detrimental effect on my work performance, my career and ultimately, my finances. Fortunately, I had a flexible job and a supportive boss, but that’s not the case for everyone — and more and more people may be finding themselves in a similar predicament. Studies project that between now and 2050, the 65-and-over population will more than double in the U.S., and as the boomer generation and their parents age, more of their family members will have eldercare responsibilities that will require them to take some time off of work. A new report released by AARP shows that over the last five years, 42% of U.S. workers provided unpaid eldercare for a family member or friend, and 49% expect to do so in the coming five years. (MORE: 6 Steps for Building a Financial Plan for Aging Parents) Eldercare may require an afternoon, a day, a week, or much more to be there for loved ones, to arrange for nursing care, to help with recovery or to handle Mom or Dad’s finances and paperwork. Balancing these responsibilities while caring for yourself and your own family can be challenging enough — but what about maintaining your duties at work? Can your commitment to give care to your aging parent(s) actually hurt your career or jeopardize your financial future? According to new research, the answer is yes — especially if you’re a woman. The same AARP report finds that the average caregiver is a 49-year-old woman who works outside the home and spends nearly 20 hours<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=70039&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Aging</primary_category><primary_category_link>http://healthland.time.com/category/medicine/aging/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/09/138345651.jpg?w=240</featured_image>
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			<media:title type="html">Daughter and Elderly mother checking medicine</media:title>
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			<media:title type="html">suzannadebaca</media:title>
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		<title>Is Grandma Spending Too Much on the Grandkids?</title>
		<link>http://healthland.time.com/2012/09/19/is-grandma-spending-too-much-on-her-grandkids/</link>
		<comments>http://healthland.time.com/2012/09/19/is-grandma-spending-too-much-on-her-grandkids/#comments</comments>
		<pubDate>Wed, 19 Sep 2012 14:05:54 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Grandparents]]></category>
		<category><![CDATA[grandparents]]></category>
		<category><![CDATA[spending on grandchildren]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=69410</guid>
		<description><![CDATA[While many Americans are still in belt-tightening mode, there&#8217;s one group that continues to open their purse strings: grandparents. According to a recent AARP study, 89% of grandparents acknowledge that they spoil their grandchildren. And nearly all — a whopping 96% of grandparents age 55 or older — say they&#8217;ve spent at least some money on their grandkids, for varying reasons and amounts. Next to watching TV or movies together at home, shopping is the most popular activity for both grandma and grandpa when it comes to spending time with their grandchildren. (MORE: Postponing Retirement: Will You Have to Work Forever?) What grandchild would complain about that? I still remember fondly the gifts my own grandparents showered on me growing up. Even when I was older and in college (and also broke), my grandma would tuck $20 bills in her letters, just so I’d have “a little breathing room.” I loved spending time with my grandmother, regardless of the cash or material gifts, but I was certainly grateful for the money — and I know she liked helping out. As the recent survey confirms, grandparents want to help and they usually find tremendous satisfaction in giving money and gifts to their family members. In some cases, their spending isn&#8217;t exactly discretionary. Many grandparents are contributing cash for necessities: more than one-third report helping out with basic day-to-day expenses, and 23% are spending money on medical and dental insurance for their grandchildren. But many others are choosing to spoil and splurge on their grandchildren just because they like to. Either way, this kind of spending may come at the detriment of their own financial health. (MORE: Stay-at-Home Parents: Six Money Tips for Families Shifting to One Income) The current economy makes it harder for grandparents — many of whom are retirees — than when I was growing up, and the dollars left in their retirement accounts may be a bit more precious. But even though unexpected expenses like rising health care costs may already be straining grandparents’ budgets, more than half of those<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=69410&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Grandparents</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/grandparents-family-parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/09/cash-gift-grandparents-granchildren.jpg?w=240</featured_image>
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			<media:title type="html">cash gift grandparents granchildren</media:title>
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		<title>When She Makes More Money: Adjusting to an Unexpected Financial Change</title>
		<link>http://healthland.time.com/2012/09/12/when-she-makes-more-money-adjusting-to-an-unexpected-financial-change/</link>
		<comments>http://healthland.time.com/2012/09/12/when-she-makes-more-money-adjusting-to-an-unexpected-financial-change/#comments</comments>
		<pubDate>Wed, 12 Sep 2012 12:00:50 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Love & Relationships]]></category>
		<category><![CDATA[Marriage]]></category>
		<category><![CDATA[Men & Women]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=68706</guid>
		<description><![CDATA[Ask the experts and opinions will vary on the psychological and emotional effect on spouses, when one has a significantly larger salary — or the only salary in the family — especially when that partner is the woman and when couples encounter these unequal circumstances unexpectedly. I vividly remember a tearful conversation I had with a young woman during the height of the recent recession. A working woman and mother of two, she came to me seeking a listening ear. Her husband had been laid off several months earlier and she was struggling with a very new type of pressure: that of the sole breadwinner. She had always planned to have a career and contribute financially to her family, but she didn’t ever think she’d be responsible for everything. This scenario has become increasingly common for women, particularly since men lost twice as many jobs as women did during the recession. Other economic shifts, including women’s advancement in the workforce, are also changing the traditional breadwinning roles in many marriages. The average annual income of working women has increased 74% over the last 30 years, and females now make up 52% of all employees in managerial roles. (MORE: Postponing Retirement: Will You Have to Work Forever?) What does that mean? Working women are more likely than ever to bring home the biggest (or the only) paycheck in the family. That profound cultural shift has fueled endless national discussions about men, women, money and power — a debate that was reignited further just yesterday, with the release of journalist Hanna Rosin&#8217;s much anticipated book The End of Men: And the Rise of Women, which examines women&#8217;s rise to the top. As Rosin notes, however, for many working women, including the young mother I spoke with, there are any number of mixed emotions and anxieties that come along with that ascendance. There&#8217;s a subtle but important distinction between contributing to the family bank account and accepting full accountability for putting dinner on the table: the woman I counseled was not only concerned<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=68706&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Men &amp; Women</primary_category><primary_category_link>http://healthland.time.com/category/love-relationships/men-women/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/09/woman-breadwinner.jpg?w=240</featured_image>
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			<media:title type="html">woman breadwinner</media:title>
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		<title>Paying for Grades: What to Consider Before Promising Your Kids Cash for A’s</title>
		<link>http://healthland.time.com/2012/09/05/paying-for-grades-what-to-consider-before-promising-your-kids-cash-in-return-for-as/</link>
		<comments>http://healthland.time.com/2012/09/05/paying-for-grades-what-to-consider-before-promising-your-kids-cash-in-return-for-as/#comments</comments>
		<pubDate>Wed, 05 Sep 2012 12:00:48 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Childhood]]></category>
		<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[children]]></category>
		<category><![CDATA[good grades]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=67922</guid>
		<description><![CDATA[As the school year begins, family conversations may turn to how friends spent their summer break, the back-to-school fashions that are hot this year and — oh yes, grades. While talk about vacations and blue jeans won’t generally cause conflict between family members, grades can be a tough topic — especially if a child’s performance in school doesn’t meet his or her parents’ expectations. When it comes to grades, I also hear a great deal of debate among parents about how to motivate their kids to do well in school. What surprises me is that for some, the carrot isn’t as much orange as it is green. When a friend of mine recently admitted to paying her son for good performance when he was struggling in school, her choice was met with mixed reactions from our other friends, ranging from disbelief to praise. (MORE: Postponing Retirement: Will You Have to Work Forever?) How to best inspire children to learn and maintain good grades (understanding that the two are not always mutually exclusive) has long been a challenge for parents, even as educational grading systems and methods of teaching change. Research indicates that extrinsic rewards don’t necessarily motivate a child to perform better in school. According to a recent article in the Journal of Educational Psychology, paying kids for grades can work, but only for a small portion of students and then only for a limited time. Unfortunately, the method is most effective for those who are already motivated to achieve.  Despite the research, it seems that some parents — and even some schools — still pay for grades or have considered it. If you’re thinking about rewarding your child’s high marks with cash this school year, ask yourself these questions first: What am I trying to achieve? Offering cash rewards for grades is often a temporary solution — and a last resort. When my friend started paying her child, he was struggling academically and dreading every day at school. She was at her wits’ end, and money worked. But consider<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=67922&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Childhood</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/childhood/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/09/6472-000195.jpg?w=240</featured_image>
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			<media:title type="html">Girl Holding Dollar Bills Money</media:title>
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		<title>Postponing Retirement: Will You Have to Work Forever?</title>
		<link>http://healthland.time.com/2012/08/28/postponing-retirement-will-you-have-to-work-forever/</link>
		<comments>http://healthland.time.com/2012/08/28/postponing-retirement-will-you-have-to-work-forever/#comments</comments>
		<pubDate>Tue, 28 Aug 2012 18:00:25 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Work & Life]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[retirement calculator]]></category>
		<category><![CDATA[retirement date]]></category>
		<category><![CDATA[society of actuaries]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=67499</guid>
		<description><![CDATA[I heard recently from an old friend who had been financially responsible her whole life but a layoff several years ago derailed her savings. Now she’s nearing 60 and panicked about whether she’ll be able to retire when she had originally planned to — if at all. Sound familiar? As the slowly recovering economy plods along, and many Americans confront shortfalls in retirement savings, these are common refrains from baby boomers and Generation X. It can be a shock to realize that your much-anticipated retirement may not happen on the day — or month or year — you initially envisioned it and in the style you dreamed about. But many Americans are continuing to work past the traditional retirement age of 65 — or are re-entering the workforce after they’ve retired. July data from the U.S. Bureau of Labor Statistics shows that 7 million Americans age 65 and older were still in the workforce, up 63% from a decade ago. Some may continue working by choice, but many are likely still working due to financial necessity. According to new survey findings from the Society of Actuaries, more than 4 in 10 preretirees who do not expect to retire say it&#8217;s because they can’t afford to do so. (MORE: Stay-at-Home Parents: Six Money Secrets for Families Shifting to One Income) To add to the stress, the emotional adjustment can be an even bigger challenge if you’re reconsidering your retirement date. So if you’re looking at your financial statements with a gulp, what can you do? 1. Don’t Get Hung Up on Age You might think of 65 as being the year that you should retire. But consider when and how this “traditional” retirement age originated — and whether it makes any sense today. In 1935 the Social Security Act set the minimum age for receiving full retirement benefits at 65. But men born in 1930 were only expected to live until age 58. Today the average life expectancy is 75 for men and 80 for women. So look on the bright side: you might<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=67499&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Work &amp; Life</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/work-life-family-parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/08/150954486.jpg?w=240</featured_image>
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		<title>Stay-at-Home Parents: Six Money Secrets for Families Shifting to One Income</title>
		<link>http://healthland.time.com/2012/08/23/stay-at-home-parents-six-money-secrets-for-families-shifting-to-one-income/</link>
		<comments>http://healthland.time.com/2012/08/23/stay-at-home-parents-six-money-secrets-for-families-shifting-to-one-income/#comments</comments>
		<pubDate>Thu, 23 Aug 2012 12:00:59 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family]]></category>
		<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[card act]]></category>
		<category><![CDATA[dual-income families]]></category>
		<category><![CDATA[opting out]]></category>
		<category><![CDATA[stay-at-home dads]]></category>
		<category><![CDATA[stay-at-home moms]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=67210</guid>
		<description><![CDATA[When I was growing up, stay-at-home moms were the norm, and many American household budgets were based on one income. A lot has changed since then, but there are still many parents who choose to leave their job and stay at home with the kids. And, of course, in many families it’s less of a choice than a necessity when someone gets laid off or child-care costs become too steep. While the number of stay-at-home moms has been holding relatively steady in recent years, at approximately 5 million, the number of stay-at-home dads who managed the household last year while their wives worked was estimated to be 176,000. This may seem a small number in comparison, but it’s more than doubled over the last decade. My stepkids are all grown up now, but I hear friends and colleagues who are expecting a baby or who have young children agonizing over tough questions like whether they can afford to have one parent stay at home, which parent it should it be and what impact it’ll have on their lifestyle, retirement and relationship. Deciding as a couple to stop earning two paychecks can be difficult emotionally and financially — even if a working mother or father wants to stay at home with the kids. (MORE: Kids and Money: Is It O.K. to Play Financial Favorites?) Here are some things to consider if you’re thinking about becoming a single-income family: Be realistic about your budget. The math may be more favorable with one parent staying at home rather than paying for day care, but you still may need to reconsider your lifestyle expenses. Inventory all of your fixed expenses, including things like your mortgage and utilities, and discretionary expenses, like entertainment and clothing. Be prepared to make tradeoffs on one or both fronts in order to make the arrangement work. Be smart about credit cards. While the CARD Act of 2009 put in place many positive provisions to protect consumers, it also requires credit card issuers to consider individual income versus household income. This<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=67210&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Family</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/family/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/08/84436990.jpg?w=240</featured_image>
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			<media:title type="html">Stay at Home Parents</media:title>
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		<title>Is Your Elderly Parent Moving In? It Might Cost You</title>
		<link>http://healthland.time.com/2012/08/08/is-your-elderly-parent-moving-in-it-might-cost-you/</link>
		<comments>http://healthland.time.com/2012/08/08/is-your-elderly-parent-moving-in-it-might-cost-you/#comments</comments>
		<pubDate>Wed, 08 Aug 2012 12:00:53 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Aging]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Medicine]]></category>
		<category><![CDATA[aging parent]]></category>
		<category><![CDATA[assisted living]]></category>
		<category><![CDATA[caring for a parent]]></category>
		<category><![CDATA[elderly parent]]></category>
		<category><![CDATA[nursing home]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=65878</guid>
		<description><![CDATA[Many people my age struggle with the best way to care for their aging parents — and my husband and I are no exception. My friends, colleagues and I all agonize as we debate whether our parent(s) should move in with us or enter an assisted-living facility or nursing home. These are complex decisions that have emotional, physical and financial costs — and no easy answers. My mother is healthy now, but one fact is clear: if she moves into our three-story home someday, we’ll need to make some changes to our house. And while we would welcome her company, making our home easy for her to get around in could be very expensive. Recently, my husband and I decided to speak candidly with my mom about her own plans for the future. We were motivated to broach the issue after talking to my friend Victoria, who went through a similar experience with her mother. Victoria&#8217;s elderly mom moved in with her after her father&#8217;s death, but in order to care for her — Victoria&#8217;s mom was wheelchair bound and needed assistance with some daily activities — Victoria had to remodel her home. (MORE: When Dementia Derails Your Parent&#8217;s Finances) Victoria made the smart decision to do some advance planning together with her parents, talking about options and putting a plan in place, even before her father died. That made the financial aspects of remodeling her home and caring for her mother a lot easier. After Victoria&#8217;s father died, she and her mom sold her parents&#8217; home as they had decided. They then used the proceeds to add a bedroom and a bathroom to the main floor of Victoria&#8217;s house. Victoria’s mother lived with her family for six years before she passed away, and they treasure the experience. Victoria reflects that “one of the nicest things we could offer our son was to have time with his grandmother — and it was a joy to her.” She says remodeling their home to make a room for her mother was one<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=65878&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Family</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/family/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/08/106897585.jpg?w=240</featured_image>
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			<media:title type="html">106897585</media:title>
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		<title>Are College Kids Blowing Their Student-Loan Money on Clothes and Beer?</title>
		<link>http://healthland.time.com/2012/08/02/are-college-kids-blowing-their-student-loan-money-on-clothes-and-beer/</link>
		<comments>http://healthland.time.com/2012/08/02/are-college-kids-blowing-their-student-loan-money-on-clothes-and-beer/#comments</comments>
		<pubDate>Thu, 02 Aug 2012 12:00:43 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Parenting]]></category>
		<category><![CDATA[college loans]]></category>
		<category><![CDATA[student loan debt]]></category>
		<category><![CDATA[student loan debt crisis]]></category>
		<category><![CDATA[student loans]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=65370</guid>
		<description><![CDATA[The student-loan-debt crisis is massive. Americans owe more than $1 trillion in student loans, and according to a July report by the Consumer Financial Protection Bureau, $150 billion of these student loans are from private lenders, which means they often come with higher interest rates than federal loans and are almost impossible to shed in bankruptcy proceedings. Nightmare stories about young adults struggling under mountains of student-loan debt appear in the media nearly every day. But how many college students are using their loans only for necessities? How many are taking out more money than they need and blowing it on silly stuff that they’ll be paying off for years or even decades to come? (MORE: Back to School: Top 5 Things That Stress College Students) I conducted some informal research to determine how endemic the misuse of loans really is. I tapped my kids as well as other recent college graduates, friends and co-workers, and I was stunned at how pervasive this seems. When I asked my stepson, who graduated last winter, if he knew of kids using their student loans for non-school-related purchases, his response was, “Don’t even get me started.” First, he told me about a family friend who, a few months ago when she was a junior in college, used her student-loan money to buy a used car. I almost flipped. Didn’t she realize this means she’ll be paying that car off — at an interest rate almost twice as high as a typical auto loan — long after it breaks down? My colleague Meghan, also a recent grad, mentioned classmates who had purchased flat-screen TVs, sound systems and trendy decor for their dorm rooms. I heard from various people about kids using student loans to pay for expensive spring-break trips, clothes and, a common refrain, “partying.” These students will be paying high interest rates for purchases they probably won’t even remember in five years. (MORE: College ‘Shopping Sheet’ Designed to Help Students Compare Financial Aid, Overall Costs) So listen up, parents: this fall, as funds<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=65370&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Parenting</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/07/2100_hl_studentdebt_0731.jpg?w=240</featured_image>
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			<media:title type="html">Student Debt</media:title>
		</media:content>

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		<title>Kids and Money: Is It O.K. to Play Financial Favorites?</title>
		<link>http://healthland.time.com/2012/07/25/kids-and-money-when-is-it-o-k-to-play-financial-favorites/</link>
		<comments>http://healthland.time.com/2012/07/25/kids-and-money-when-is-it-o-k-to-play-financial-favorites/#comments</comments>
		<pubDate>Wed, 25 Jul 2012 12:00:24 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Parenting]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[financial favoritism]]></category>
		<category><![CDATA[giving adult children money]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=64593</guid>
		<description><![CDATA[Life tends to deal different financial hands to siblings. One may land a high-paying job or settle down with a highly paid partner; another may always struggle to keep his or her head above water. That reality doesn’t make it any easier for parents to decide when to give more financial help to one child than another — or less complicated. I had a client years ago in New York who experienced financial favoritism first hand. Her name was Linda and she had grown up in a relatively affluent home. Her parents paid for both of their daughters’ college educations and helped them with down payments for their homes. They had been treated equally. Or so Linda thought — until her father died. As executor of his will, she discovered that her parents had been financially supporting her sister for most of her adult life. The amount of money they’d given her over time was staggering. Linda, a successful advertising executive, was angry. I remember her telling me she felt like she’d worked hard her whole life to achieve the lifestyle her irresponsible sister had handed to her all along. Of course, there are two sides to every story. In Linda’s case, her sister had long been unstable. She was in and out of unhealthy relationships and unable to hold a job while trying to raise two children. Her parents were concerned about her well-being and that of their grandchildren and had stepped in to help. Over the years, their handouts created a dependency. When their father died, Linda’s sister — now in her 50s — turned to her for the monthly payouts she’d received from their parents. While Linda understood her parents’ good intent, she was left feeling betrayed and saddled with a financial dilemma she wasn’t prepared for. (MORE: When Dementia Derails Your Parents&#8217; Finances) Officially, a parent’s money is his or her own to spend — or give away — as desired. But when financial favoritism is discovered, it can impact family relationships in a significant way.<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=64593&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<primary_category>Parenting</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/07/2100_hl_financ_0724.jpg?w=240</featured_image>
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			<media:title type="html">200405397-001</media:title>
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		<title>Is Being Healthy Taking a Bite Out of Your Budget?</title>
		<link>http://healthland.time.com/2012/07/18/is-being-healthy-taking-a-bite-out-of-your-budget/</link>
		<comments>http://healthland.time.com/2012/07/18/is-being-healthy-taking-a-bite-out-of-your-budget/#comments</comments>
		<pubDate>Wed, 18 Jul 2012 13:45:09 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Diet]]></category>
		<category><![CDATA[Diet & Fitness]]></category>
		<category><![CDATA[Exercise]]></category>
		<category><![CDATA[budget]]></category>
		<category><![CDATA[healthy eating]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=64195</guid>
		<description><![CDATA[Years ago when I was a broke college student subsisting on ramen noodles and off-brand cereal, I used to fantasize that someday, when I had a good job, I would be able to afford to eat incredibly healthily. I planned to buy fresh vegetables every week, belong to a fabulous gym, employ a personal trainer and get regular massages. But today I still get sticker shock when I go to the grocery store. That’s why I was so skeptical when a USDA study released a few months ago asserted that healthy foods are actually cheaper than the heavily processed stuff. These findings are based on the fact that the old method prioritized price per calorie, giving low-cost junk food an edge over fresh veggies. But, the report said, “When measured on the basis of edible weight or average portion size, grains, vegetables, fruit, and dairy foods are less expensive than most protein foods and foods high in saturated fat, added sugars, and/or sodium.” Translation: now there’s really no excuse not to eat healthier. (MORE: Why Families Who Eat Together Are Healthier) However, it’s one thing to understand that grains and legumes are a cheaper source of protein than free-range chicken; it’s quite another to try to get my meat-loving husband to have rice and beans for dinner every night. Similarly, gym memberships and personal trainers can be a big monthly expense, but they might be worth it if the only thing you’d do at home with your treadmill or dumbbells is occasionally wipe the dust off of them. Getting into shape — and staying that way — can save you some serious cash in the long run. Lifestyle changes can help stave off diabetes as well as joint replacement and other big medical expenses. So, with those motivators in mind, here are few tips to help minimize the cash you spend on the road to being active and healthy: Prioritize your monthly budget. Sitting down and writing a budget that accounts for fixed and discretionary expenses is an important step<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=64195&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<primary_category>Diet</primary_category><primary_category_link>http://healthland.time.com/category/diet-fitness/diet-diet-fitness/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/07/200498083-001.jpg?w=240</featured_image>
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			<media:title type="html">Groceries</media:title>
		</media:content>

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		<title>Should You Make Your Teen Get a Summer Job?</title>
		<link>http://healthland.time.com/2012/07/11/should-you-make-your-teen-get-a-summer-job/</link>
		<comments>http://healthland.time.com/2012/07/11/should-you-make-your-teen-get-a-summer-job/#comments</comments>
		<pubDate>Wed, 11 Jul 2012 12:00:44 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Work & Life]]></category>
		<category><![CDATA[summer jobs]]></category>
		<category><![CDATA[teens]]></category>
		<category><![CDATA[working]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=63727</guid>
		<description><![CDATA[Lifeguarding. Lawn mowing. Fast food. These are just a few of the summer jobs my two stepsons had when they were teenagers. We didn’t explicitly require the boys to work. But when I told my youngest stepson, Trinity, that I was writing about this topic, he said that by the time he got to high school, “I knew my parents wouldn’t just throw cash at me while I was a bum all summer.” But plenty of kids are just bumming around these days. According to the Bureau of Labor Statistics, fewer than half of Americans between the ages of 16 and 24 were employed last July, the month when youth employment typically peaks. This percentage was significantly lower than both five and 10 years ago. One reason for the decline is that teens are having more trouble finding jobs in an economy that’s gotten so bad that many adults are taking whatever kind of employment they can get. Another factor driving lower rates of teen employment is modern parenting. Many parents have mixed feelings about their children working. Some parents I know feel strongly that their child should get a job. Others would like their kids to work but feel that sports and volunteering and other activities that might help get them into college are more important. Some worry all that those extracurriculars plus a summer job will be too much responsibility. At the same time, however, many of my friends and colleagues complain about forking over spending money to teens who are lounging the summer away. These parents are also concerned that their kids don’t know the value of a dollar. (MORE: The Agony of Forging the Perfect Summer Camp Schedule for Kids) I’ve yet to discover the perfect guidebook on raising financially responsible children. And while a summer job can help teens learn about money, parents I’ve talked to raise a lot of good questions. How do I know what’s right for my child? Should I encourage — or require — my daughter to get a job, even<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=63727&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<primary_category>Work &amp; Life</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/work-life-family-parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/07/2100_hl_teenjob_07101.jpg?w=240</featured_image>
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			<media:title type="html">Katie McGregor</media:title>
		</media:content>

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		<title>Planning a Vacation…With Your Ex-Spouse?</title>
		<link>http://healthland.time.com/2012/07/05/planning-a-vacationwith-your-ex-spouse/</link>
		<comments>http://healthland.time.com/2012/07/05/planning-a-vacationwith-your-ex-spouse/#comments</comments>
		<pubDate>Thu, 05 Jul 2012 12:15:46 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Divorce]]></category>
		<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Love & Relationships]]></category>
		<category><![CDATA[Parenting]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[blended family]]></category>
		<category><![CDATA[Bruce Willis]]></category>
		<category><![CDATA[demi moore]]></category>
		<category><![CDATA[divorce]]></category>
		<category><![CDATA[ex-husband]]></category>
		<category><![CDATA[ex-spouse]]></category>
		<category><![CDATA[Katie Holmes]]></category>
		<category><![CDATA[Tom Cruise]]></category>
		<category><![CDATA[vacation]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=63304</guid>
		<description><![CDATA[It’s too early to know whether Tom Cruise and Katie Holmes will join Hollywood’s group of amicable ex’s who happily vacation together with their kids. When tabloids run photos of Bruce and Demi — or any other famously divorced couple — reuniting in some exotic location, it kind of stops me in my tracks. If my marriage didn&#8217;t go as planned, would I ever pack my bags and go on a trip with my ex and his new family? My former co-worker Susan did, and it was a bit of a disaster. But the problems weren’t due to family squabbles or too much togetherness — it was the money. Right about now you may be wondering: is this really a common practice? According to friends and a few articles I’ve read — yes! Susan isn’t the only non-celebrity vacationing with her ex. As blended families become more commonplace, many dynamics are changing, creating a new set of norms, including how to handle financial arrangements. (MORE: Scientology Parenting: Do Tom Cruise and Katie Holmes Disagree on Religion for Suri?) Which brings me to Susan and her tumultuous trip. After the divorce, she remained single while her former spouse remarried. A decade later, Susan’s well-meaning ex-husband approached her with an interesting proposition: a resort vacation for their two kids (now teenagers) with both of their families. Was she expecting it to be her dream vacation? No. But she was on good terms with him and thought it would be the right decision for the kids, so she said yes. Susan and her ex agreed beforehand that they would split all the expenses for their kids and that he would cover the costs for his wife and son. It seemed simple enough — until they all arrived at the resort and the financial plan got really complicated really fast. Susan had underestimated the pressure she’d face when her kids wanted to join their stepbrother in pricier activities than she’d had in mind. She had also underestimated the resentment she’d feel when her ex<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=63304&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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		<slash:comments>0</slash:comments>
	<primary_category>Family &amp; Parenting</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/07/2100_hl_travel_0703.jpg?w=240</featured_image>
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			<media:title type="html">traveling with your ex</media:title>
		</media:content>

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		<title>Women Can’t Have It All, but They Can at Least Simplify Their Finances</title>
		<link>http://healthland.time.com/2012/06/27/women-cant-have-it-all-but-they-can-at-least-simplify-their-finances/</link>
		<comments>http://healthland.time.com/2012/06/27/women-cant-have-it-all-but-they-can-at-least-simplify-their-finances/#comments</comments>
		<pubDate>Wed, 27 Jun 2012 12:00:27 +0000</pubDate>
		<dc:creator>Suzanna de Baca</dc:creator>
				<category><![CDATA[Family & Parenting]]></category>
		<category><![CDATA[Work & Life]]></category>
		<category><![CDATA[Anne-Marie Slaughter]]></category>
		<category><![CDATA[asset allocation]]></category>
		<category><![CDATA[managed accounts]]></category>
		<category><![CDATA[Supermom]]></category>
		<category><![CDATA[Women Can’t Have it All]]></category>

		<guid isPermaLink="false">http://healthland.time.com/?p=62822</guid>
		<description><![CDATA[I was recently stunned when a female colleague of mine admitted that she was sneaking out of work early one day to deal with her overdue bills. She confessed that she’d been so busy at work and in her personal life that she had accidentally let an insurance policy lapse. A successful professional, this colleague values organization more than most, but between her full-time job, parenting three small children and spending some time with her husband, her personal financial affairs had fallen out of priority. I can sympathize with her — as I’m sure many of you can. Last year, I had to take a day off of work just to attend to some financial paperwork that had been sitting on my desk for months. Managing multiple responsibilities is not a new challenge for women, but as more working moms climb the corporate ladder, a large portion of them appear to be feeling completely overloaded — hence the intense reaction to Anne-Marie Slaughter’s recent cover story for the Atlantic, “Why Women Still Can’t Have it All.” What falls through the cracks? Often it is our own physical and financial health. Exercise, diet, sleep and attending to money matters are major challenges for many supermoms. Ignoring bills can create credit issues and can even disrupt your financial goals and cause extra stress. (MORE: Can’t Have It All? Blame Our Extreme Work Culture) For insanely busy women, consider the following five powerful — but relatively easy — steps to simplifying your finances: 1. Organize your home office. It’s easy to become overwhelmed if you can’t find bills, files, account information or statements. Rather than piling envelopes or paperwork on the kitchen counter, consider creating a simple system. Set specific time aside to devote to your finances; a little organization can go a long way. 2. Auto-pay bills. This is one of the most basic steps you can take to save time and ensure prompt remittance of payments. Your rent or mortgage, insurance, utilities, gym memberships and even car registration can be set up<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=healthland.time.com&#038;blog=8684427&#038;post=62822&#038;subd=timewellness&#038;ref=&#038;feed=1" width="1" height="1" />]]></description>
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	<primary_category>Work &amp; Life</primary_category><primary_category_link>http://healthland.time.com/category/family-parenting/work-life-family-parenting/</primary_category_link><featured_image>http://timewellness.files.wordpress.com/2012/06/83665737.jpg?w=240</featured_image>
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