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	Articles Marriage Merging your money when you marry Getting started: establishing a financial safety net Establishing a budget Unmarried couples Financial tips for unmarried couples Raising a family And baby makes three When your child has special needs Planning a Family? Get to Know Your Health Insurance Policy How much life insurance do you need? The best ways to save for college Saving for retirement and a child's education at the same time Teaching your child about money Teaching your teen about money Teaching your college-age child about money Baby on board: keeping your child safe in the car Divorce Dealing with divorce Insurance concerns of divorcing couples Health insurance and divorce Caring for an aging parent Caring for your aging parents The sandwich generation: juggling family responsibilities. Housing options for older individuals Do Your Parents Need Long-Term Care Insurance? Facing the possibility of incapacity Medicaid and nursing home care Medicaid planning basics Medicaid and the principal residence Loss of a spouse Organizing your finances when your spouse has died Claiming life insurance benefits Social Security survivor's benefits Terminal illness Life insurance and terminal illness Viatical settlements Career planning Evaluating a job offer Health Insurance and COBRA: Sometimes You Can Take It with You Receiving unemployment benefits Evaluating an early retirement offer Sudden wealth Sudden wealth Planning for travel Travel insurance Health insurance for travelers Rental car insurance

	Decision Tools Financial basics Loan amortization calculator Saving or Investing calculator Personal cash flow worksheet Net worth calculator Mortgage payment calculator Auto loan payment calculator Saving for your retirement College savings analyzer College funding options analyzer Credit cards--advantages vs. disadvantages Insurance basics Life insurance needs calculator Comparison of types of life insurance Which health plan is right for you? Disability income needs calculator Homeowners insurance quiz Auto insurance analyzer Caring for an aging parent Housing options for aging parents Tips for caregivers Remarriage Remarriage: sharing assets and debts Remarriage and prenuptial agreements Planning for marriage to someone with children Remarriage with children: income tax considerations Providing for children from a previous marriage

	FAQs Marriage Should my spouse and I integrate our health insurance benefits? Am I liable for my spouse's debts? Should I open a joint checking account with my spouse? I'm marrying someone with bad credit. How will this affect me? Unmarried couples Will my group health insurance cover my partner, even though we're not married? Should my partner and I buy a house together even though we're not married? Raising a family My employer says that after my child is born, I have to come back in six weeks. But doesn't the law say that I'm entitled to three months of leave? Does it make sense financially for both me and my spouse to work after our child is born? When do I have to apply for a Social Security number for my newborn? Who should I name as guardian of my children in case my spouse and I should die at the same time? Should I buy life insurance on my child? How do I find quality child care? How do I pay for child care? Can I take the tax credit for child care? What is the difference between the child tax credit and the child and dependent care tax credit? Divorce How do I protect my assets in the event of a divorce? Are alimony payments considered taxable income? What are the tax implications of child support payments? My husband and I are divorcing after 30 years of marriage. Will I still be able to receive Social Security retirement benefits based on his earnings record after our divorce? My husband and I are getting divorced. How do we decide whose health insurance policy will cover the children? Caring for an aging parent How do I talk to my elderly parents about their finances? My parents can't manage alone anymore. What should I do? I'm planning to add an in-law apartment to my home. How will this affect my homeowners insurance? I'm thinking about placing my mother in a nursing home. Will Medicaid pay for her care? How can I pay for nursing home care? How can I tell if a nursing home provides high-quality care? Is there such a thing as nursing home insurance? What types of nursing care does long-term care insurance cover? I paid my mother's real estate taxes last year. Can I deduct this on my tax return? My mother is 90. Is it OK for her to keep driving? Loss of a spouse My husband just died. Should I accept my daughter's offer to move in with her? My spouse just died. Who do I need to notify? How can I find out whether my deceased husband owned any life insurance? My spouse passed away this year. When I file my taxes, what filing status should I claim? Remarriage Should I sign a prenuptial agreement to protect my assets when I remarry? I'm getting remarried. How will this affect my Social Security benefits? Terminal illness Is there any way I can use life insurance to help cover my expenses if I become terminally ill? Career planning I'm looking for a job. How can I tell if an employer is offering a good insurance benefit package? I'm getting laid off. How am I going to survive financially until I find another job? If my employer goes out of business and discontinues its health insurance plan, am I still eligible for COBRA benefits? I'll be changing jobs next month, and I'm pregnant. Will I qualify for health insurance coverage with my new employer? If I leave my job, will I lose my employer-sponsored health insurance? If I leave my company, can I take my life insurance policy with me? Sudden wealth What's the best way to handle a financial windfall? When I play the lottery, I have to choose between a lump sum and annual payments. Does it matter? Planning for travel Do I have to pay U.S. taxes when I work abroad? Should I buy travel insurance? I'm going on a cruise. Do I need trip interruption insurance? I'm traveling to Europe this summer and won't need my car. Can I get my auto insurance suspended to save money? I'm planning on living in Europe for several months. Do I need special health insurance? Does my auto insurance policy cover me on car trips outside the United States? Consumer protection How can I protect myself against identity theft? My radio broke two months after I bought it. I tried to return it to the store, but it won't give me a refund. What can I do to get my money back? How do I stop those annoying telemarketing calls?

	Sidebars Marriage Set Aside Money for Irregular Expenses Watch Your Timing What's so special about "special" enrollment? Changing Your Name on Your Social Security Card Unmarried couples Keeping the House Cover Yourselves Have It Your Way Raising a family Time Off If You Need It Will Your Family Be Eligible for Social Security Survivor's Benefits? Here comes baby! Lowering your teen's insurance costs Divorce Equal Rights, Equal Debts Mediation, Not Representation Caring for qan agng parent Nursing Home Residents How Many Nursing Home Residents Are Covered by Medicaid? What Is an Elder Law Attorney? HUD Reverse Mortgages

	Java Calculators Medicare and Medicaid Long Term Care Calculator General Topics Net Worth Calculator Savings Goals Home Budget Emergency Savings Calculator Amortizing Loan Calculator Credit Card Pay Off Mortgage Loan Calculator Retirement Planner

IMPORTANT DISCLOSURES

Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to any individual's personal circumstances.

To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable--we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.