Sandee Ferman has been improving lives for more than 30 years.

As the founder of No Tox Body-Home-Life, she personally creates and manufactures non-toxic body care products that work as well as -- or better than -- those available in stores and specialty shops. She has merged her lifelong interest in chemistry and love of art to create beautiful solutions that people enjoy using everyday.

Ferman is the author of "How to Settle Debts Yourself," an in-depth tutorial about how to negotiate and settle your debts to avoid bankruptcy. She wrote the book after selling her successful debt settlement company in 2011.

For more than 20 years, Sandee helped families with enrolling their children at a prestigious private school. She was interviewed for NPR's "Morning Edition" and featured in numerous newspapers and magazines regarding the school's uniquely effective study methods. An accomplished public speaker, Sandee is comfortable in both large presentation arenas and one-on-one conversations.