Grateful grandson

Dear Queenie,

  My grandparents always send me a card with a check for my birthday and for Christmas. I have a good job and I earn a lot more than my grandparents get for their pensions, so I don’t need the money and I expect they could use it better for themselves, so I never actually cash the checks.

  Queenie, should I tell them a card is enough and not to bother sending the checks?—Grateful grandson

Dear Grandson,

  It is obvious to your grandparents when they get their bank statements that you have not cashed the checks. You can tell them you no longer need the money, or you can thank them for the gift and tell them you will donate the money to a charity you know they will approve of.