D. Jean Young of Deer Lake, Newfoundland enjoys encouraging talent in young people and old. As a Chartered Financial Planner she helps people create personal financial independence, step by step. As a volunteer, she has worked with Wolf Cubs, Sunday school classes, Junior Achievement, writing workshops and groups, La Leche League, Alternative Measures, Laubach, community development organizations and festival committees. Her philosophy is that usually, "they" don't have a problem, "we" do, so let's get together and do something!