When we reach retirement, many of us are on limited and fixed income.  We find that we cannot always give as much as we did in the past.  Yet some of the most meaningful ways to give at the holidays, and throughout the year, cost us no money.

I am convinced that the most important gift any of us can give to another is the gift of our love, our time, our presence, and something of ourselves.  No matter what other gifts we do or do not give, spending time with others we care about and helping others is the best gift we can give.