Home childcare providers are vital to many, yet make as little as $22,000 a year.

The government was set to impose new rules limiting the work kids are allowed to do on farms, but those rules are being reconsidered after an outcry from farmers.

My husband and I are late-in-life parents (he is 59 and I am 49) and we have a 1-year-old — the absolute JOY of our lives. She is the only child for both of us and I am wondering about what you would suggest as the most cost-effective way to save for her future? Kathleen, Fergus Falls, MN