Kay, the author, a singer/songwriter and compulsive editor, enjoys getting creative with songs, newsletters and short stories. A former credit counselor, Kay was lead editor for a collaborative book project on financial well-being, "Winning Ways for Life" (http://www.winningwaysforlifellc.com) and has written numerous articles on financial topics. (I know, sounds boring - but it doesn't have to be!)
As a mother, step-grandmother, aunt, & former babysitter she has always...
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