Joanne Scharff

"... theme "His- for Martha Santiago" will feature Latin food and music. The minimum donation ls $25. Sponsors of the event are: Jose Farinas. Hobert and Sandy Davila. Jay and Joanne Scharff, Dennls and Dolma Gipson. Raymond and Janet Lopez. Doug and Mlller. Yolanda Peraza. John and Ericka Beck. DJ Boz. Roberto and Tamara Salgado, Dan and Damaris Medina, Dr. Ray Victor. ..."

"... the daughter of Keith and Janet Klepper of Winter Haven. The bridegroom is the son of Richard and Jerry Waterworth of Ga. Matrons of honor were Jessica Sheffield and Joanne Scharff. Bridesmaids were Klm Carder, Amy Cathy Henry, Alicia Klepper, Kim Pace, Sarah Stricklen and Junior bridesmaids were Catherine Dunham and Erin Waterworth. The groom's father was best man. Groomsmen were ..."

"... malac minimal payments on my credit cards and rent" While hc was ashamed of his situation, the resident said he was hones! with his wife about his financial problems. Joanne Scharff her husband's obstacle wasn't a stumbling block in their courtship, and she had confidence that he wouldn't be shackled to his debt forever. “He persevered” she sald "He never gives ..."

"... bachelor's in organizational management from Wamer Southern College. Scharff said his wife's faith and the love of her parents. Martha and Alex Santiago, made the difference in his life. “Joanne is my confidence and conscience." hc said “I full lieve that 1 was lcd to exper the financial struggles to stronger witness" Joanne Scharff said no needs the information more churchgoers because finances has become taboo. “It's hard in church bec nobody wants to talk about finances." she sald. “It's ob' that it's something ..."