J. M. Carmel is a writer and former home educator. Her accumulated life experiences weave through the pages of her novels taking on fictitious forms.

New Article Everyday! I am a seasoned professional with experience across finance, tech, and media.

Freelance Writer and Educator

ACLP Certified Trainer | Blockchain, Smart Contract, Data Analytics, Machine Learning, Deep Learning, and all things tech (http://calendar.learn2develop.net).

a mom, a sister, a daughter, a wife, and an agilist to the core. her life is about fostering agility, tackling complexity, thriving on emergent people dynamics.

writer, stand-up paddle boarder, kayaker, hiker, re-envisions old homes, loves travel, reading & music. Nothing better than a Sunday Drive!

Father of two and author of forty, my writing has been called relatable and entertaining with a humorous twist. You can find me at DonMartinBOOKS.com new site.

I have worked in financial services for over 20 years. I enjoy helping people grow in their relationship with their money, family, and themselves.