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| Get SmartTips Newsletters by Email |
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SmartTips is a totally free weekly eMail newsletter featuring expert advise and tips on the topics that matter to you, such as:
- Tempated by new car deals? Check here first to avoid over-paying.
- End of the year anticipation? Did something change this year that will affect your taxes?
- 529 College Savings Plans. Your children are never too young—or too old—for you to get started.
Save money with FREE tips on everything from budgeting, managing debt, buying insurance, and planning for retirement.
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Resource Center
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Use these online resources to understand your roles and responsibilities while caring for your grandchildren.
Learn About Life Insurance
You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It's really not as confusing as it seems, however, once you understand the basic types of life insurance policies.
Source: CPA Site Solutions
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn About Life Insurance
You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It's really not as confusing as it seems, however, once you understand the basic types of life insurance policies.
Source: CPA Site Solutions
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Learn More About Estate Planning
Estate planning, the process of planning how to preserve your assets for your heirs, is not just for the very wealthy. Everyone should engage in some form of estate planning.
After working hard for many years, building up a business, or accumulating assets, you should make sure that those assets will not be unnecessarily used up but are preserved for your survivors.
Here’s a basic guide to wills, trusts, and other estate planning tools.
Source: CPA Site Solutions
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Learn More About Estate Planning
Estate planning, the process of planning how to preserve your assets for your heirs, is not just for the very wealthy. Everyone should engage in some form of estate planning.
After working hard for many years, building up a business, or accumulating assets, you should make sure that those assets will not be unnecessarily used up but are preserved for your survivors.
Here’s a basic guide to wills, trusts, and other estate planning tools.
Source: CPA Site Solutions
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Note
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| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Look into Child Tax Credits
Did you know that the IRS will give you money back just for having a child living in your home? Three tax credit programs give extra money to people who are raising children. That includes grandparents and great grandparents. If you qualify, you may be able to pay less to Uncle Sam each year.
Don't miss the chance to claim these credits!
Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Look into Child Tax Credits
Did you know that the IRS will give you money back just for having a child living in your home? Three tax credit programs give extra money to people who are raising children. That includes grandparents and great grandparents. If you qualify, you may be able to pay less to Uncle Sam each year.
Don't miss the chance to claim these credits!
Source: AARP
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Note |
| The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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See If Your Eligible For Public Benefits This resource will help you find the state, federal, and private programs for which you are eligible.
Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
See If Your Eligible For Public Benefits This resource will help you find the state, federal, and private programs for which you are eligible.
Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Get More Child Safety Tips Accidental injury is the number one killer of America’s children, taking more lives than disease, violence and suicide. Prevention is the cure. It’s estimated that by taking these and other simple precautions, almost all (90 percent) of these accidental injuries can be avoided.
Learn how you can keep your grandkids safe.
Source: SafeKids USA
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Get More Child Safety Tips Accidental injury is the number one killer of America’s children, taking more lives than disease, violence and suicide. Prevention is the cure. It’s estimated that by taking these and other simple precautions, almost all (90 percent) of these accidental injuries can be avoided.
Learn how you can keep your grandkids safe.
Source: SafeKids USA
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Run Through a Home Safety Checklist Is your home a safe environment for your grandchildren? There are several things you should do to make your home safe. This checklist makes it easy!
Source: © BabyCenter LLC
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Run Through a Home Safety Checklist Is your home a safe environment for your grandchildren? There are several things you should do to make your home safe. This checklist makes it easy!
Source: © BabyCenter LLC
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Find State Fact Sheets on Grandparenting More than six million children - approximately 1 in 12 - are living in households headed by grandparents (4.5 million children) or other relatives (1.5 million children). In many of these homes, grandparents (approximately 2.4 million) and other relatives are taking on primary responsibility for the children’s needs.
These grandparent and other relative caregivers often lack information about the range of support services, benefits and policies they need to fulfill their caregiving role. In an effort to remedy this situation, a group of national organizations working on behalf of children and/or seniors has prepared State Fact Sheets for Grandparents and Other Relatives Raising Children, which provide helpful state-specific data and information for each of the states, Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.
Find a comprehensive list of local programs, resources and services as well as state laws you should be aware of.
Source: The Grandparent Foundation
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Find State Fact Sheets on Grandparenting More than six million children - approximately 1 in 12 - are living in households headed by grandparents (4.5 million children) or other relatives (1.5 million children). In many of these homes, grandparents (approximately 2.4 million) and other relatives are taking on primary responsibility for the children’s needs.
These grandparent and other relative caregivers often lack information about the range of support services, benefits and policies they need to fulfill their caregiving role. In an effort to remedy this situation, a group of national organizations working on behalf of children and/or seniors has prepared State Fact Sheets for Grandparents and Other Relatives Raising Children, which provide helpful state-specific data and information for each of the states, Washington, D.C., Puerto Rico, and the U.S. Virgin Islands.
Find a comprehensive list of local programs, resources and services as well as state laws you should be aware of.
Source: The Grandparent Foundation
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Find Local Grandparenting Resources Find out what types of local supports exist in your area. In addition to searching for local supports and resources in this section, you may also conduct a search for national organizations that offer helpful resources and information for grandparents.
Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
Find Local Grandparenting Resources Find out what types of local supports exist in your area. In addition to searching for local supports and resources in this section, you may also conduct a search for national organizations that offer helpful resources and information for grandparents.
Source: AARP
| Note | | The products and services listed on this page are presented as a service to you. Neither L-3 nor Marsh recommends any product or service; there is no guarantee that any listing on this page will be suitable for a particular purpose. |
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Congratulations! You’re a grandparent or soon to become one. Although this transition is less challenging than becoming a parent, it does have its challenges—and joys. The checklist below will help you make the most of your grand-parenting years.
Hard to believe, but you’re a grandparent or will be soon. Get ready for some rollercoaster emotions—and the time of your life.How can your child be a parent? Weren’t you changing diapers just a few years ago? Welcome to the wonderful world of grandparenting, where you’ll forge new relationships with your children, your grandchildren, and the world around you. 
Grandchildren develop so fast it’s hard to keep pace. Your challenge: to understand them—and accept them—as they grow.You’ve probably forgotten how quickly kids change. But now that you’re a grandparent, getting reacquainted with these changes will be a big help.
When your grandchild visits your home, your little one’s safety is in your hands. Are you ready?Imagine how you will feel if your grandchild gets hurt while visiting. Don’t let it happen. Inspect your home and eliminate all safety hazards now.
Traveling with your grandchild by car is more dangerous than you think. Take special precautions to keep your little one safe.A lot has changed since you drove your kids around. Today, buying and installing a child safety seat almost takes an engineering degree. Get help here.
Your child has primary responsibility for your grandchild’s healthcare. But you play an important supporting role.The more time your grandchild spends with you, the more you need to know about today’s child healthcare practices. Start learning now.
Caring for your grandchild is rewarding. But make sure to set limits.Most grandparents enjoy caring for a grandchild while parents work. It’s a rare opportunity to build strong bonds with the next generation—and to have fun. Just make sure it works with your current lifestyle and future plans.
If your child is unable to care for your grandchild, you may need to take over. Don’t worry . . . you’re not alone.Raising a grandchild is the ultimate act of self-sacrifice. Say goodbye to retirement dreams of travel and leisure. But say hello to the rewards of love and commitment.
A lesson grandparents often learn the hard way: Love has its limits.When your grandchild visits, it’s important to set limits—on behavior, snacks, and gifts. And don’t forget that you have your limits, too (of time, money, and energy).
It’s natural to want to help your grandchild financially. Just make sure whatever you do is consistent with your financial goals and constraints.There are many options for gift giving and a variety of tax benefits available. Whatever you do, do what makes sense for your grandchild—and what makes sense for your current and future financial needs.
Nothings warms a grandparent’s heart more than giving grandchildren gifts. But don’t let it burn your bank account.Giving gifts comes naturally to grandparents. Still, don’t feel you have to always give toys or spend a lot of money. Remember, it’s the thought—and the memories—that count.
Giving gifts to your grandchildren while you’re alive is important. But also think about what to leave them when you’re gone.Providing money and other financial assets can open doors for your grandchildren later in life. To do this, make sure to update your will after a grandchild is born (or have one drawn up). And consider the advantages of life insurance.
College is an expensive proposition these days. The good news: You can help your grandchildren by contributing to their college fund or by paying their tuition.Many grandparents gladly help their grandchildren with college finances. But be sure to consider all of your options before writing your first check.
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