Both my husband and I are retired and my children are working. Daughter will be 42, no children, married, and doing well. I sent her two Pandora charms for the bracelet her husband gave her last Christmas, and she didn't like either one of them and is sending them back to me, as there is no Nordstroms in their area. One charm she said she already had, that I didn't know(how could I) and the other was a money bag charm. Her step father is always saying to the kids :"save your money" and other money sayings, and I thought she would find it amusing. Not. Her reply was "Why did you give me this? Because I don't have any money?" . This was done by cell phone text. Well.