Sunday, May 5, 2013

How to talk to your aging parents about moneythink your parents' intelligence is diminished.

http://money.cnn.com/2013/04/01/retirement/parents-money.moneymag/index.html?iid=SF_PF_Lead

Time to discuss if they need help with their finances. Proceed carefully because they may not see things as you do: A 2012 Fidelity study found that while 24% of adult children think their parents will need a hand with money, 97% of the parents do not.

"Conversations about money with your elderly parents are really about control -- something they don't want to lose," says David Solie, author of How to Say It to Seniors. Try these tips.
THE GROUND RULES
Drop the attitude. An I-know-better air will put their backs up. Take care your concern doesn't come across as if you think their intelligence is diminished, says Solie.
Avoid saying "you should..." Those two little words are sure to put them on the defensive.
Bring in a third party. To your mom and dad, you will always be a kid -- which is why the talk may go better if you deliver it alongside an outside expert, says Paula Span, author of When the Time Comes.
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