Shopping for a gift for an elderly person can be a trying experience. We wonder, ponder and rack our brains what to get the person(s) that have EVERYTHING.

So to help you out I have made a list of ideas I hope you can use and help make your shopping experience a little easier. And, we can ALL use that around the holidays.

A book of postage stamps--yes they have bills to be mailed
Pre-paid envelopes--see above
Pre-paid phone card
Pay for a monthly bill; electric, phone, cable
Gift certificates to their favorite eating places

Which cell phone plans are best suited for those seniors who use their cell phone sparingly? There are both prepaid and traditional post-paid plans that may offer significant savings, and simplicity, for these individuals.

Average life expectancy continues to increase, and as the poet Robert Browning wrote, "The best is yet to be". This can be true if you have made some preparations for your golden years. So, just how do you prepare so you can enjoy your retirement?

There are four areas in which you can prepare. They are financial, physical, mental and spiritual.