ehern33

I currently live in the Florida Panhandle and am running my own business in facilities management and consulting. Most of my background comes from credit management in the wholesale industry. Over 20 years experience in South Florida where it is a different world. Have set up numerous credit departments from scratch, and most of them multi-million dollars organizations where credit was a necessary evil. I am conservative by nature but have an open mind and listen. Love to read Hub pages and interact with members  when I can.