Jacqueline Richards is an accredited mortgage specialist (CAAMP) and former banker. Her drive to make real her clients' dreams of home ownership is based in childhood, when her single, employed mother found difficulty convincing banks that she was a good risk for a mortgage. A certified Hatha Yoga instructor, Jacqueline is the author of Yoga for Your Personal Finances, which applies the principles of balance and flow so fundamental in yoga to money management.