Many people celebrate their anniversary with the three Cs: champagne, candlelight and cuddling. We recently celebrated our anniversary, and we did have the three Cs, but we also increased our knowledge of the three Ms: manure, mushrooms and mulch. My… Continue reading

We have lived above the Mason-Dixon Line for almost 22 years now, in Pittsburgh, Pennsylvania. We have a wonderful community of friends, go to a great church, and our adult children will probably stay here, and so will we. My… Continue reading

“I love borders. August is the border between summer and autumn; it is the most beautiful month I know. Twilight is the border between day and night, and the shore is the border between sea and land. The border is… Continue reading

Yesterday morning, our most recent guests left. I can still see my dear friend waving at me as they drove away, until I could see the last trace of their car. Although they were gone and there was a hole… Continue reading

Paying tribute to this year’s shortest, but maybe most impactful month of the year I simply love February. Being in February means that we are about to ease out of winter, despite what Phil might say and that we celebrate… Continue reading

The Christmas decorations are being slowly packed away and we are all getting into the routine again after the holidays. Although the bustle and activities of the holidays are fun and I enjoy seeing friends and family and celebrating Christ’s… Continue reading

Two weeks ago, my husband and I returned from a wonderful fall trip to the Grand Tetons and Yellowstone. This was the first time we had been to that part of the country, and we traveled through Utah, Idaho, Montana… Continue reading

Although it is still August, here is Pennsylvania, there are signs of fall.  The air is cooler and our garden is transitioning from the vibrant colors of spring and summer to more earthy shades.  Another sign that change is here… Continue reading

 In previous blogs, I have mentioned ideas for saving in small ways. Now, let’s look at the bigger economic picture in terms of your money management, long term financial planning, and estate planning.  As a former teacher, I always reminded… Continue reading