Article: Be neutral and pragmatic when talking to parents.(Originated from Knight-Ridder Newspapers)

SAN JOSE, Calif. _ The best time to have a fruitful conversation about money is when there's no compelling reason to do so. When the kids don't need cash because their credit card bills are as thick as phone books. When no one is repossessing Junior's car or foreclosing on Mom's house. When Dad isn't on a respirator in intensive care.

That way there's less emotional strain, fewer hidden motives and less pressure to rush, said Marcee Yager, a financial planner with Alderwood Consulting Group in Belmont, Calif. Indeed, if you have put off these conversations repeatedly, chances are you'll need plenty of time and patience.

Who should start the ...

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