DEAR ANNIE: Please give me your opinion. I am an 84-year-old widow. I have one child, a son, and one grandchild in town. My other children live hours away. I no longer drive. I am financially independent and have someone to come clean twice a month, drive me to run errands, go to the doctor, do grocery shopping and take me to the beauty shop. I have taken care of my parents and my husband’s parents, and I know this can be very tiring. I truly hate to have to call on my children. I try to be careful, and I don’t spend unnecessarily. It adds up when you have to have extra help. My son is very ca…