Grouchy Gramma, with occasional input from Papa Tom, my husband of 55 years, the father of our three children. 

• The good? The current pandemic seems to be bringing out the best in most of us.
• The bad? See posts on Credit Card interest rates, and taxable interest on Savings Accounts.
• The ugly? Thank you notes…when was the last time you wrote one or received one?

This is my thank you note to those who take the time to read, consider, or comment on my concerns.