Independent Book Reviewer Nicole Galloway – Miller

Meet Nicole Galloway – Miller. Nicole is an independent, online, book reviewer.

So what initially interested you in doing book reviews? How long have you been a reviewer?

I started my book review blog as an assignment for my Master’s in Fine Arts Program at Seton Hill UniversityNichole Gallawayy. It is a low-residency program. In place of class discussions, students are required to write a review blog post. In addition, students comment on the blog entries. I’ve only been reviewing books since last January, but I’ve been reading and writing my entire life.   

When conducting a review, what elements stand out for you?

Every book is different, so my reviews tend to evaluate a wide variety of writing techniques. I love experimental formats and creative figurative language. I also enjoy books that present the world in new and different ways.

What’s the most recent book that you’ve reviewed? Did you find it interesting?

My most recent review was historical fiction, Like Mayflies in a Stream by Shauna Roberts. I loved it. It’s part of the archeology series published by Hadley Rille Books. I highly recommend them.

What type of books do you read for personal enjoyment?

Anything I can get my hands on. I am big believer in reading a wide variety of different genres, styles and authors. I read several books at a time. Currently, I am reading Casual Vacancy by J.K. Rowling, The Night Circus by Erin Morgenstern, Railsea by China Miéville and Extremely Loud and Incredibly Close by Jonathan Safran Foer.Nichole Gallaway.jpg II

When reading reviews of a book that you’ve already rated, what‘s your reaction if the reviewer gives an opposite take from yours?

I love to read reviews expressing different opinions. Different reviewers tend to notice different things and every reader brings their personal experiences to their interpretation. I’m not a big fan of particularly negative reviews. It’s good to strike a balance between the good and the bad. Criticism can be helpful when it is presented in a respectful and professional manner.

I’ve read your reviews and you have a nice command of the English language. Tell us a bit about your background.  Do you feel as though schooling or hands –on learning benefited you the most?

I’ve always loved words and language. When I come across a new word during my reading, I have to look it up. I have two dictionary/thesaurus apps on my i Pad and smart-phone. These are the greatest inventions and save a lot of time.

I have an autism spectrum disorder and communication is challenging for me. Writing is how I express myself and how I learn about the world. I use a person’s word choice during conversation as replacement for nonverbal cues, since I cannot process things like body language and facial expressions. The words a person chooses and how he or she constructs phrases, and sentences is more than an objective statement about what is going on – they communicate intention, personality and emotion. This carries over into how I read. I’m a slow reader, who reads one word at a time.

Have you ever had a confrontation from someone, who disagreed with one of your reviews? What positive input have you had?

Authors tend to appreciate my reviews. I strive for a balance between positive and negative criticism while being objective and fair. Several people have expressed that my reviews teach them a lot about different writing techniques. I wish I could say that everyone loves my reviews, but that isn’t the case. I’ve been accused of being dishonest when writing reviews, because I choose to keep personal emotions out of my reviews. If I don’t care for a book, I maintain a professional attitude, state specific examples and reasons. I would never disrespect an author.

If a reader would like to have their book reviewed, what advice can you give them on finding individuals to help them?

Some social networks are a great place to find people to review your novels. There are some great Facebook pages and LinkedIn groups. It never hurts to ask someone. Don’t be afraid to contact a blogger who you respect. I love hearing from authors who would like me to review their books. It makes me feel like I’m posting quality work.

When you’re not reviewing, what does your life look like?

I read and write. Even if I wasn’t a reviewer or pursuing a degree, I would still read and write every chance I got. Video games are too stimulating for me, and I can’t stand commercials, so I watch shows, movies and documentaries on Hulu and Netflix from time to time. This weekend, I just finished watching the second season of The Walking Dead (originally aired on AMC). I love listening to music and walking through cemeteries – I find them peaceful.  

I appreciate you joining us today, Nicole! You’ve giving us a bit of insight, into the mind of a book reviewer. I wish you all the very best.

If you are interested in getting your book reviewed, please visit Nicole’s website where you can read her book review policy:


Twitter: @GallowayMill

LinkedIn Profile: 

Facebook author page:


Book Review blog:

An Autistic Blogs about Autism:


Teen Charlotte Stacey Hosting Fundraiser for The Royal National Hospital for Rheumatic Diseases

Thanks for coming by Charlotte! Tell us about yourself.

I’m 17 years old and currently studying forensic science.  I have Juvenile Idiopathic arthritis – Polyaricular Rheumatoid factor positive. I was diagnosed 26th July 2011 at the age of 16.  I live in Wiltshire with my Mum and Dad – I also have an older brother serving in the army, who lives in Reading.

Are their special challenges being a teen with RA?  What’s the biggest misconception about the disease?

Sometimes I feel like I’m missing out as a teen, when everyone seems to be having such a huge social life.  Frequently, I’m not well enough to join in or my hospital appointments take over much of my time, so I have less time to spend with my friends.  I feel left out and quite often isolated. It was also challenging when I was first diagnosed because I had my whole life planned out, all my dreams set and I was getting on with life doing everything I enjoyed then suddenly, these thoughts were stopped by my RA. Everything had to change.  I think the biggest misconception is that many in society don’t realize that young people can get arthritis.  They think that it’s the same as osteoporosis, the same type that that most old people get.  Much of society is unaware of the multiple forms of arthritis and believe those with it just have aching joints. In reality, many kinds are much more serious, like RA.  It bothers me that people think that if you don’t look disabled, you must not be ill.  Rheumatoid arthritis is, for the most part an invisible disease!

What do you do for fun when you’re not embroiled in working on homework?

Before I got arthritis, I enjoyed doing sport-Boxing and horse riding as they were my favorites! However these high impact sport prove very difficult with this disease now so I can no longer be involved with them.  I do enjoy some sports and I try to do some form of exercise, that is manageable with my disease. I also enjoy spending time with my friends, reading and just relaxing!

What’s your advice for other teens with RA?

Just keep going! Research the illness and surround yourself with supportive people. Keep talking to the doctors and tell them the specifics about your pain.  Take your medication and do your exercises, stay positive and move up and on!

I understand that you are spearheading a very exciting fundraiser for those with rheumatic diseases. Would you give us the details on this event? How can those who are interested in this  auction, contribute to it?

Yes, this will be the first of many I hope!  I am holding a raffle April 28th, 2012 , for the Royal National Hospital for Rheumatic Diseases in Bath, England. It is the hospital where I am treated. They do an amazing job and specialize in arthritis and similar illness. Many people being treated have to visit lots of different places but everything there is under one roof!  They provide physiotherapy and occupational therapy. The hospital even has their own hydro pool which are hard to come across around here. They also have a gym. Patients can go there on treatment courses where they are taught how to cope and manage with their illness, mentally and physically. Everyone there is really friendly and always go the extra mile to help. The rheumatologists there do a fantastic job and I feel that they really are not credited enough, so I want to draw attention to their work. I am doing this event to thank them for all they have done to help me.  They are truly wonderful people!  I feel it’s important to give something back to those at the hospital.  I am asking the public to donate prizes and so far I have been overwhelmed with kindness! Here are some of the donations that I have received for the raffle:

Pizza Oven – The Templestone
Free course of swimming lessons
Free Gym membership
Family Pass to Bowood
Adult and Child ticket to Cotswold Wildlife Park
Worn and signed Bath Rugby shirt
Signed Player photo from Liverpool Football Club
Signed player photo from Manchester United Football Club
Gift voucher for a hot air balloon ride
Nandos Restaurant voucher
A signed Jacqueline Wilson book.
A signed book by Carla Jones.
Jamie Oliver goodies Jamie Oliver book, Jamie’s Italian apron + bag

Also I have been contacted by the cosmetic company, Lush and they are hopefully going to donate some of their products . The Bath Theatre kindly agreed to donate some tickets nearer the date. A member of Ed Sheeran’s team who emailed me to say they would donate a signed photo. One of my followers on Twitter, has also kindly sent me a donation as well.  I still have a long way to go but the response has been amazing.

Where can my readers contact you to get the details on how to make a donation?

It is with regret that raffle tickets are not for sale for people in the USA because most of the prizes are for local places (gardens, parks, restaurants etc.) However if they wish to donate money, they can visit my “justgiving”, page. Or there is a link on my blog. From this site they can donate online or via text. If you do wish to find out more, it is regularly updated on my blog or you can see my twitter feed. For further information the public can email me at .

What direction will you be headed after high school to follow your dreams?

I want to study criminal psychology, so I shall hopefully continue to  a university to do this. I’m not too sure which university I wish to attend, however I want to stay close to home.  I have a few in mind such as Bristol University, Cardiff University and Derby (which is close to my Grandparents). I am also looking at staying on at college and doing a university level course. But I hope to study Forensic Psychology for this is the career I want to pursue. I had to adjust my dreams a bit due to my RA but it won’t stop me from following them.

Thank you Charlotte, for the inspiring interview.  I think it absolutely fabulous that you are making a difference in the lives of so many. Your gracious attitude is a example for us all.  I have no doubt you will raise awareness to rheumatic diseases, as well as raise a great deal of money to benefit your hospital!

For more information:

My twitter: @charlotte_stace
My blog:
The Royal National Hospital for Rheumatic Diseases:

Arnold Fanning – Screenwriter and Playwrite

Our next stop is Dublin, Ireland.  We are honored to have Arnold Fanning join us today.  A warm welcome to you Arnold!  Tell us about yourself.

Arnold: I live in Dublin, Ireland. I started writing when I was a teenager then kind of abandoned it when I went to college – University College, Dublin where I studied English. After college I worked in theatre and film production. I started writing short stories around then and got some published. Through my film contacts I got interested in film and adapted one of my short stories into a screenplay that got made into a short film (Still Rain, 2000). I also worked in literary management in a theater that got me motivated to write for the stage, and I later had a play produced in the Dublin Fringe Festival (Those Powerful Machines, 2008). These days I mainly write plays and screenplays, although I also have written a novel which I am currently sending out to publishers and agents. I unwind by listening to music and cooking, I go to the theater and cinema a lot, and read voraciously.
Carla: What is your genre? Tell us about your short stories and other projects you’ve worked on.

Arnold: I don’t have a particular genre as such, although most of my work addresses sexual politics to a certain degree, and psychological power plays between individuals. My works whether scripts or fiction are generally dramatic in intent, but I do have a tendency towards black humor. My short stories have appeared in the American journal Crazyhorse, in The Irish Times, in The Phoenix Anthology of New Irish Writing, and been broadcast on BBC Radio 4 amongst other places. I’ve also had three plays produced in various venues in Ireland, and had two short films that have screened at festivals. Current projects include a novel which has yet to find a home, and a feature script which is in development.

From ‘Climb’: Crazyhorse Magazine, Fall 1997:

He’d went around to the other side of the tree. It was time to climb, to climb it to the top, the first and last time. He stood there facing it and touched the hard old bark with his palm like he had done that morning. It had dried since and was warm. The younger boughs at the top, he thought, would be smooth and cool when he got to them.

The first boughs were the hardest to reach, so he stood well back and took a run at them. The first try his fingers hit the hard bark and couldn’t make a grip and he fell back to the earth again. His fingertips buzzed with stinging pain then numbed. He went at it again. This time he made a good clean punt and made it to the knothole at the base of the first big branch. He dangled by one hand a moment and then swung his leg up. For a moment the strain made him grunt as he felt the earth pulling him back. He clenched his teeth and, unable to breathe, pulled his body weight up and then pushed himself against the knothole into a sitting position on the lowest bough of the tree. His hands beginning to sting again, he took deep breaths and sat there a moment before going on. He had started to climb.
Carla: Genre you’d like to tackle but haven’t.

Carla: I would really like to be able to write an out-and-out comedy; something along the lines of a Neil Simon or Woody Allen film, as I admire these writers immensely. I wouldn’t mind trying my hand at horror also, but this is a genre I am less familiar with. But I have always loved comedy everything from Harold Lloyd to screwball comedies to Allen and Simon, so that is what I’d most like to try.
Carla: Most unusual place you’ve found inspiration for your writings.

Arnold: I was at a play once on Broadway and stepped out on to the sidewalk during the interval for a cigarette. I had this idea: what if someone I really didn’t want to talk to now approached me and demanded my attention? How would that work with the time requirement set be the duration of the interval? And I immediately wrote – on the play’s program- a scenario based around this idea: a play set during the interval of a play. This later became my play Shafted, which ran for a week as part of The New Theatre Dublin’s New Writing Week.
Carla: What are your literary goals for the future?

Arnold: I am currently working on getting a couple of theater projects off the ground, working with directors and actors towards that goal. I am actively seeking an agent or publisher for my unpublished novel. And I am working with a director and producer on a feature script. Meanwhile, next year the Focus Theatre, Dublin, is going to stage a revival of my first play, Those Powerful Machines.

Carla: What does a traditional Irishman’s dinner look like?

Arnold: Generally speaking it is ‘meat and two veg’. However I like to cook, so my dinner is seldom traditional…at the moment I am particularly keen on cooking Chinese food.
Carla: Cats or dogs?

Arnold: I’m a sucker for both.
Carla: Best U2 Story:

Arnold: Nope, I’m one of the few Irish people who is not a U2 fan. But I did live near the pub where various U2 members used to go and drink and saw the Edge having a pint there now and then… but I wasn’t that impressed. I’m a Bob Dylan fan.
Author’s Biography:

Arnold’s first play Those Powerful Machines ran in the New Theatre as part of the Dublin Fringe Festival 2008. His other plays are Shafted (New Theatre New Writing Week 2009) and Dumped (Red Door Theatre, 2009). His short stories have been published in Ireland and America and broadcast on radio in England. He wrote the screenplay for the short film  Still Rain which was shown at the Cork Film Festival. He co-write the script for the one hour TV film Making Ends Meet  which was broadcast on Irish national broadcaster RTÉ and seen in film festivals in Ireland, England, and Canada. He has been a resident at the Tyrone Guthrie Centre, Co. Monaghan, Ireland, The Virginia Centre for the Creative Arts, USA, and the Edward Albee Foundation Residency in Montauk, Long Island, USA as well as a Work-Study Scholar in the Breadloaf Writers’ Conference, Vermont, USA. He has participated in writer’s workshops in Dublin and Prague, participated in the Sources 2 script development programme in Germany and Norway, and received several grants from the Irish Arts Council.

Carla: Thank you for stopping by, Arnold.  Best wishes to you!

Contact Arnold Fanning on Facebook –

Kristen Hagopian – Author, Columnist, Consumer Reporter, Supermarket Spokesperson and Motivational Speaker

A giant welcome to our multi-talented guest and my dear friend Kristen Hagopian!  (Clapping in the background) She is the reigning,”Queen of Frugality”.

Carla:  Tell us a bit about yourself.

I’m an extremely fortunate, loudmouth, married, work-from-home Mom of two wonderful kids that put up with me beautifully.  I am also the creator of a little book entitled, Brilliant Frugal Living.  In the last two years, Brilliant Frugal Living has evolved into some fun, crazy job descriptions, including, but not limited to, Author, Columnist, Consumer Reporter, Supermarket Spokesperson & Motivational Speaker. All  this is  has been fueled by tremendous luck and frightening natural hyperactive DNA, combined with a caffeine addiction worthy of a 12-step program.

Carla:    You make me feel so lazy with your fast paced life! When you’re not writing for your column or out in the community speaking, or taking care of your family, what’s your favorite thing to do to unwind?

Kristen : First of all, you are one of the busiest super-achievers I know!  To answer your question, I love combing through local thrift stores to sustain my uncontrollable designer handbag addiction ($5 for a black Gucci leather handbag, what am I supposed to do, walk away?  I think not… J Most of them go as gifts, I swear!!)
I’m also addicted to Julia Child’s “French Chef” episodes from the 1960’s and 1970’s.  I have just about all of them.  After the craziest of days, when the kids go to sleep, I’ll play one of her shows where – I don’t know – she does zucchini five different ways, and suddenly I’m inexplicably in my mellow zone.  Must be the butter.  Bon Appétit!
I’m also a library geek, I love to read.  Books about fabulous speakers always get my attention at the library.  I’m reading a great one about Steve Jobs.  The guy is a Motivational Speaking genius! 

Carla:  Aww…How kind.  Thanks, Kristen!  Oh, Savings Queen, tell us about your life-changing book?

Kristen:  Brilliant Frugal Living details the strategies our household utilized to compensate for losing half our household income (I was making $50,000+ when I decided to quit my Corporate job to start a family). Granted, it’s important to note I had the benefit of growing up in a fabulous (yet frugal) household.  We lived in fantastic neighborhoods, went to the best schools, always had great food on the table, wonderful holidays, etc.  However, I could see from an early age that my parents made it happen because they always thoroughly researched how to spend their money for maximum benefit (and always in such a way that left money over for saving and investing).  A few decades of having those lessons lovingly pounded into my head, combined with modern advances like the internet, made it possible to accommodate for losing half our household income, yet still making it work financially, without sacrificing any of the quality in our lives.  In fact, by the time we had Katie home for one year, we actually had more in savings than when my husband and I were both in Corporate America!


Carla:   What do you think makes your book unique? How has the economy played a role in the promotion of your book?  (Easy one!)

Kristen: The economy has undoubtedly played a role in the book’s success.  When I first tossed about the idea for the book, the economy hadn’t taken its latest downturn yet, things were still flying high, and nobody (and I mean nobody) was interested in a story about a two-income household that suddenly went to one-income.  Then, the economy went into recession, and suddenly every news story was about two-income households that had to quickly compensate for losing an income (or worse).  Now, everybody was interested in saving large amounts of money, and fast.  The book took off.

I’ve had the pleasure of connecting with thousands of people in my work, and one thing is overwhelmingly clear is that just about everyone felt that this downturn happened pretty much overnight.  It left some individuals without much time to plan or accommodate the shift with personal savings.  Once the recession hit, hard-working Americans were absolutely ready to change their spending behaviors to compensate for it, they jumped right into the challenge, but they needed some new tools and strategies to save large amounts of money fast, and I’m humbled to hear that the book seems to help people with that.

You ask how the book is unique: Perhaps Brilliant Frugal Living is a bit different because it shows how to slash spending without a lot of effort.  The strategies are easy and result in your living the same life you have now, having the same great food, brand names, etc, except the book gives you the tools to easily find them for 50-90% off.  It seems to be filling a niche.  I’m very grateful to hear it.

Carla:  Do you have plans for a follow-up book to, Brilliant Frugal Living?  If not, what projects do you have coming up this year?

Kristen: I’m having a great time in planning stages for a 2nd Edition of the book, one that incorporates all of my blogs and columns from the last 18 months!  If I’m lucky, I’ll wrap it up in the next six months.  As for titles, I’m thinking Brilliant Frugal Living II – Now Even Fruglier!.  (Yeah, I’ll keep working on the title…) The first edition of the book is self-published; this next edition I’m going to scout about for a publisher.  If only these publishers would advertise themselves in a way that would be helpful to me, like, “works well with fast-talking, caffeinated frugalistas…”, but alas, no such luck.
As for other projects I have coming up this year, I’m working with some radio stations that are interested in broadcasting weekly Brilliant Frugal Living segments – Should be fun!

Carla:   Name the most unusual places you’ve found inspirations for your book.

Kristen: That’s a great question.  There are a few places that have really stirred up inspiration for me, all for different reasons.  One of the most inspiring locations was a gorgeous, recently constructed, Mack-daddy high school where I was asked to conduct a “Brilliant Frugal Living” lecture for the students.  I arrived early and was looking around, and I noticed that this gorgeous, state of the art school had no Home Economics kitchen!  I asked a 20-something security guard where it was, and he had no idea what I was talking about.  Never heard of the concept.  “Home Eco-who?…”  Then I tried a joke about “Okay then, so where’s the “Take-Out Chinese 101” class held?”, and that went right by him as well.  Crickets.

So here’s this amazing school, with the best of everything, taxpayer-funded by people who (I’m guessing) cooked & ate at home so as to afford to pay the school taxes, only to have those taxes go towards a school that has no intention of giving students Home Economics lessons (a.k.a. “Running the Economics of a Home”!). No cooking, no sewing, no budgeting – I think it’s considered a bit outdated these days.  Personally, as a “Class of 1986’er, it completely freaks me out.  Amusing that they called me in to do a lecture to students on how to stay out of debt and save money.  I think we’ll file that one under “Irony 101”.

Another place I’ve found amazing inspiration was at the Laura Ingalls homestead in South Dakota.  I’ve always loved her books, and her personal story. This incredible writer was born into very limited means, not much education, was very poor for the majority of her life (she didn’t start writing the ‘Little House’ books until she was in her sixties), and yet through hard work and ingenuity she and her family always found a solution for any and all situations.  She always talks about how blessed and fortunate she was, never feeling deprived. I’m reading the books with my six-year old daughter now, and she loves them.  She has a million questions, all from an adorable child’s mindset: “Mommy, why did Laura’s Daddy get that honey from a TREE?!  Couldn’t he just get it from the store?  Why does she have a corncob for a doll?”  I highly recommend it as required reading for all kids.

Carla:   What’s the most effective promo you’ve ever done?

Kristen: The most effective promo was the guarantee I put on the book when I first wanted to get the word out about it.  I said that anyone who bought the book would save thousands of dollars, or their money back, guaranteed, no questions asked.  It’s the only personal finance book on the market that offers that type of guarantee, and it was the type of promo that not only put potential buyers at ease, but also got the attention of local news stations as well.  I highly recommend that sort of strategy.  Don’t be afraid to put yourself out there!

Carla: Amazing!   Share with our readers the most popular tip you’ve given on how to save money.

Kristen: Absolutely, here’s one of my favorites… We all love our little luxuries, our daily coffee from the coffee shop on the way to work, maybe buying a sandwich for lunch – all of these things are great, don’t get me wrong. But they add up.  Here’s a little experiment you can do with your cash instead.  Have a ten-minute talk with your bank, and have that $5/day put into a separate bank account instead.  Then brew your coffee at home, or throw together a ham & cheese from your own refrigerator.  You’re still getting your coffee, still enjoying lunch, nothing has changed, but now you’ve got $5/day going into a bank account as well.  By the end of the year, that $5/day becomes $1800.  That’s an average mortgage payment for many Americans.  Apply that $1800 as one additional principal payment, and you cut a 30-year mortgage down to 24 years instead.   Want some even better numbers?  Depending on your mortgage rate, you’re going to be saving, on average, about $120,000 of your own money over those 24 years.  Now, you could give that money to the bank if you want (you’re currently doing just that), but personally, in 24 years, I’ll be hitting retirement age… and I can think of something I’d prefer to do with $120,000, like KEEP it MYSELF!  More fun math: That $120,000 over 24 years comes out to $5,000/year.  By investing $1800/year into your mortgage, you’re automatically getting $5,000/year back.  It’s a lovely little return on your $5/day investment. Now that’s some Brilliant Frugal Living.

Carla:  Great advice!  So let’s get right down to the most pressing question of this interview…What did you have for dinner tonight?

Kristen: Fabulous and super-easy Chicken Cacciatore!  Sautéed one pound of chicken breasts (on sale for $1.99/pound), combined with a jar of Emeril’s Cacciatore sauce (regularly $4/jar, only $1 at my local discount gourmet grocery!), served over rice – so good! Served with a salad & dessert, would easily cost $40+ for a family of four in a restaurant, but made everything at home for $5 (and have leftovers as well – WOO HOO!)

Carla:  Yum, yum!  If you were a color, what would it be?

Kristen:  Red.  No doubt about it.  Ultra-obnoxious, hurts your eyes to look at it power-red!

Carla:    Favorite vacation spot?

Kristen: I’m close to Lancaster, PA – home of Amish Country.  I love going out there on vacation, it’s peaceful, beautiful, quiet, lots to do, AND inexpensive – how many vacation spots can claim all of that?!  It’s a great place – I love it.

Carla:   Cats or dogs?

Kristen:  Ooh, good one!  I love both, but have neither at the moment.  My kids have three goldfish; all named “Dorothy” after the Elmo’s World character.  Does that count?

Carla:   Yes, amphibious creatures count. What’s the nicest compliment you’ve ever received, personally or professionally?

Kristen: My beautiful six-year old Katie told me recently that she was really glad I was her Mommy (complete with a bear hug as she said it).  Nothing tops that.  A Pulitzer Prize would come in far second to that.

Carla: Super sweet!  Nothing’s better then that! Where can my readers find your book?

Kristen: You can find Brilliant Frugal Living at my website, as well as on  I’ve shipped the book all over the world, and it’s also can be downloaded to Kindle!

Carla: Please check out Kristen’s latest tips on summer savings –

Kristen Hagopian is the author of “Brilliant Frugal Living”.  Her popular book details the easy, proven strategies she developed to save thousands of dollars a year on food, clothing, entertainment and more!  In the two years since her book was written, the Brilliant Frugal Living brand has since evolved into a Column read by millions, over 30+ appearances on ABC, NBC, Fox News and The Live Well Network, and she has been selected as the official spokesperson for a popular supermarket chain.  She conducts humorous lectures on the subjects of entrepreneurial issues, women in business, personal finance, wealth-building and more to civic, corporate and private groups.  Kristen resides in Chester County, Pennsylvania with her family.