HAPPY HOLIDAYS

Hi Everyone,

Holiday greetings to all around the world!  It is a time when we exchange gifts as a way of expressing our appreciation for the relationships we have with our family and friends.  And it is a tradition that started hundreds of years ago.  But, no need to go financially overboard.  Keep in mind good financial etiquette practices of staying within your budget and not going deep into debt.  The best gifts are handmade by yourself or offering coupons for quality time together to just listen after a bad day, a massage, a cooked meal, a free housecleaning, pet sitting, babysitting, car pooling, a meeting at a café for coffee, lawn mowing or snow shoveling.  Just to name a few.  Be creative.  In my family, we usually exchange gifts we find at a dollar store and wrap them up.  It's always interesting to find out what each one finds.

Please check out our new web site.....www.epii08.info.

Wishing you all a safe, joyous holiday season and a prosperous 2020 ahead!

Ilona J. Torraca
President & CEO

NEW BOOK

I have published my first book on Amazon Kindle.  It is called A New Day by Ilona Torraca.  It is a short story, but worth the read.  Please tell all your family members and friends.  Thank you.

Enjoy!

Ilona Torraca, M.Ed.
President & CEO