It’s that time of year when wish lists for gifts are circulating. Before purchasing that iPad, game system, e-bike or leather jacket, consider a gift that will keep giving well into the future.

After years of overspending on her children, this is what Maude will be doing this year. “I’d hate to add up what I’ve spent on toys and gadgets while my children were growing up. They’re adults now, one with kids of his own. I know how time flies, and money gets squandered, so I’m taking a different approach to the gifts I’ll be putting under the tree this year.”