Q. An elderly cousin gave my husband and me a wedding present of two weeks in his villa in the Bahamas. We have just returned from the most fabulous holiday of our lives. His delightful housekeeper came in every day and we bonded with her. However, towards the end of our stay she confided that it had been some months since my cousin, who pays her a monthly retainer in cash, had visited and that she was running short of money.