Photo by: Mark Lennihan FILE - In this Nov. 7, 2018, file photo, fallen leaves cover cars and sidewalks on a tree-lined residential block in Long Island City in the Queens borough of New York. How your parents prepare for retirement, long-term care and estate planning can affect your own financial future. Talking to them now can save your family headaches and messy conversations down the road. (AP Photo/Mark Lennihan, File)
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