MIRIAM NEFF is the founder and president of Widow Connection (a not for profit ministry) and author of eleven books, including From One Widow to Another: Conversations on the New You and Women and Their Emotions. She is a counselor by profession, Bible study teacher, seminar and conference speaker, a mother, and a grandmother. She sponsors sewing projects and bakery training for widows in Africa and Albania. Her one minute features, New Beginnings and Starting Over Financially are heard on many outlets, and she is a frequent radio guest on Moody Broadcasting and other networks. She is the co-creator of a video series, with her daughter Valerie Neff Hogan, Wise Women Managing Money. For more information, visit www.widowconnection.com. VALERIE NEFF HOGAN holds a law degree and the Certified Financial Planner designation. She works with National Christian Foundation, Orchard Ministry Development, and Widow Connection. Since 2000 Valerie has served at church leading groups and individuals toward good stewardship with Christian Financial Concepts, Crown Financial, and Financial Peace University. She loves to help people overcome financial obstacles to achieve freedom, become more generous, and do more ministry. She is married, has three adopted children, and one fabulous rescue dog.