SPS, welcome to the forum. It seems to me you have a pretty agreeable situation for the future, and I wish you joy of it, although I am sorry you can't share it with your late wife.

Could I ask for a translation from you please? With your background, TLA's (and other-number acronyms) are almost a way of life, and there is nothing wrong with them when their meaning is self-evident. I am guessing that TYIA means 'thank you in advance', but could you help me out with HOA please?

Thank you,