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By improving their own finances, parents give gift to children

Many parents braved the malls to find their children this year's must-have toy or the hottest gadget. But gifts come in many forms. My suggestion to parents is that they take steps in the months ahead to improve their finances in a way that will indirectly be a gift to their children. These steps won't elicit the oohs and aahs that an iPad does, but your children will be grateful someday that you took them. Here are a few: Make a will This is essential for parents of young children. A will is the only document that allows you to designate the person you want to be your kids' guardian if you die. If you don't name a guardian, the court will decide without your input....

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