Almost to Retirement and Making the Tough Decisions

As one of the so-called "baby boomers", we are nearing retirement. In fact, there are three people in my office that I work with who are taking early retirement. Almost on a daily basis, I hear them talking about how excited they are to be retired, how much they will live off of, and what they will be doing.

I thought having an empty nest was quite a difficult adjustment. Now, faced with retirement, I can see that it takes a lot of planning and can get pretty complicated.

http://elayne001.hubpages.com/hub/Almost-to-Retirement-and-Making-the-Tough-Decisions

Creating a Memorial Garden

When my mother passed away, my father created a beautiful memorial garden for her.

A memorial garden is a tribute to someone who has died, which offers a place for members of the family or friends to remember and also to heal. It does not have to be large or extravagant, but it can include some of the flowers and items the loved one enjoyed during their life.

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