DEAR HARRIETTE: I tried to give my niece money for her birthday, but she doesn’t have a bank account. She is 13 years old. I was shocked. I want to start an account for her, but I don’t want to offend her parents. I think she needs to learn about money and how to grow it. How can I make this recommendation without hurting my sister’s feelings? — Open an Account
DEAR OPEN AN ACCOUNT: Out of respect …