Graduate high school, Cheboygan, 1965; student, Baker Business, Flint, Michigan, 1965-1966.
Cost accountant, Procter & Gamble, Cheboygan, 1968-1990; tax preparer, H & R Block Block, Cheboygan, 1974-1988; insurance sales, Prudential Insurance Company American, Cheboygan, since 1990. Enrolled agent, Internal Revenue Service. Registered investment advisor Securities and Exchange Commission.
Member National Society Public Accountants, Tipp of the Mitt Affiliation Life Underwriters (recording secretary), United Food and Commercial Workers (recording secretary).
Married Fredrick J. Ross, September 11, 1965 (divorced August 1984). Children: David Ross, Douglas Ross, Daniel Ross. Married Larry E. Everingham, December 16, 1989.