Hello Everyone! My name is Jim Ruffin. I am a baby boomer and will turn 64 next month. I have a B.A. in Psychology and a Masters in Rehabilitation Counseling. I worked in this field for 5 years for the State of Ohio as a consultant with the Industrial Commission, helping people return to the work force usually due to some kind of injury that prevented them from doing their original job. At that time I got into religious training with my church and after one year began serving the Lord full time. I have been a non-denominational, self-supporting minister since 1985. Since at times finances have been difficult, I have tried numerous things online without success. Besides this, I enjoy chess online as a favorite past time.