The life of Janet Anderson Hardy from 1981 to 1999 in San Diego Area, California. Home on Camberwell Lane, Rancho Bernardo 1988-1997.

Christmas Card and Review of 1994

I can't believe how old we look in this picture.  Hard Times!


If I were an economist I would have to say,
1994 was not good in ANY way!!!
But since I'm not, you'll be happy to hear,
We've had many blessings and lots of good cheer!

The first blessing for the new year '95,
Is the fact that Richard Hardy is still alive--
Like the little pink rabbit that keeps going and going

Richard is there for us all without any slowing.

And then there's the children Linda, Maria, James and John
Who's support and love is with us though they are long gone,

With spouses Gary, Mark, Camber, and Jessica, too
Our cup overfloweth from their goodness so true.

The picture enclosed really tells the whole story,
Ten grandchildren of beauty and wondrous glory.




Is it that first gaze from an infants eyes..
Or the hug and helping hand from the big girls and guys
That makes a grandmother truly thankful and aware
She has gifts from heaven with which none can compare.


And what a blessing The Temple has been in our life
As we escape each Wednesday from a world of strife-
And serve with loving, beautiful sisters and brothers
In a labor of love that transcends all others.

Knowing our family will be with us forever and
that life is eternal and that Jesus Christ and God
live and hear and answer our prayers--
Can any blessing be greater than that?

So Greenspan and Feds keep raising rates high--
Keep hurting our business in the years by and by,
No one can take from us what is of real worth

We've an eternal family sharing our life on earth.

Merry Christmas and Happy New Year! from Janet and Richard




I like to put the Christmas tree up right after Halloween!!  Meagan helps.  I made some of my decorations.


Four Generation Pictures with Grandma Anderson


Mike and Matt at Christmas.



We were  being threatened that we could not use independent agents anymore and would have to have everyone as employees with health benefits, etc.  We could not have afforded all that.

So in 1994 we moved our office out to Rancho Bernardo, too.  We just worked the two of us trying to survive all the financial woes.

It was in this office that I watched as Richard had a TIA and I called Kaiser as I watched.  They took us right in and in the morning he had carotid surgery on both sides.  It would be two years later when he had his final cardiac arrest in Susanville.