Lunar New Year isn't just a Chinese celebration — how a Vietnamese-American family marks the season.

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

We're just wrapping up tomorrow's show, about social networking for little kids (and how it might not be as bad a thing as you think). And of…