Ephraim.

Ephraim was raised in the United States. After he obtained his undergraduate degree at the University of Notre Dame, the lure of travel and adventure trumped the pressure to settle down and put his nose to the grindstone. His wanderlust itinerary took him from Latin America to the UK and Europe, earning his way as a karate instructor, night club bouncer, pop singer, and recording artist. He has post graduate degrees from the University of Madrid and the University of Paris, where he obtained his PhD in Financial Economics Summa cum Laude. After a few years as a financial forecaster and country risk analyst, Ephraim turned to academia in France as a full professor in Finance. During his academic career, he has authored or co-authored nine bo

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Fern Michaels isn’t a person. I’m not sure she’s an entity either since an entity is something with separate existence. Fern Michaels® is what I DO. Me, Mary Ruth Kuczkir. Growing up in Hastings, Pennsylvania, I was called Ruth. I became Mary when I entered the business world where first names were the order of the day. To this day, family and friends call me Dink, a name my father gave me when I was born because according to him I was ‘a dinky little thing’ weighing in at four and a half pounds. However, I answer to Fern since people are more comfortable with a name they can pronounce.

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::From The Author's Website::

HOW IT ALL BEGAN

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