Interest-free loans. If you loan a significant amount of money to your kids, say, enough to buy a house, itâs important to charge interest. If you donât, the IRS can determine that interest you should have charged was a gift.
Prevention. Folic acid, taken in supplement form starting at least one month before conception and continuing through the first trimester of pregnancy, greatly reduces the risk of spina bifida and other neural tube defects.
It's best to start taking prenatal vitamins while you're trying to get pregnant. The birth defects prevented by folic acid happen within the first few weeks of pregnancy -- before you even know you're expecting. Don't worry if you didn't take prenatal vitamins before you got pregnant.