I'm a very down to earth person. I love to have fun, spread sunshine and help others when they need it. I write my own music and arrange my own music, I love to read, and I love my children and grandchildren. I try to council as many people as I can in my profession. My only problem is, I always lend too much money out and never get a return in time. My picture is not listed because of privacy reasons. I love to travel and I love to clean.