I am a middle-aged businessman that should be a middle-aged writer. I have simply been distracted from my true purpose for about 20 years.

I am a 2nd Degree Black Belt in Tae Kwon Do and have been teaching for the last 10 years. I also teach Self-Defense for anyone that needs to know more about how to avoid bad situations or learn how to get out of bad situations before they become worse.

My interests are in literature, sports, martial arts, and music.

Thank you for reading my Bio-page!

My passion is ...

to see new things, to never give up on anything I want to accomplish.

I know too much about ...

the stress of having to make a living doing something other than what you love.

My parents always told me ...

to treat others as I wished to be treated.

My childhood ambition ...

to be a martial arts blackbelt

My favorite memory ...

My first days of falling in love with my wife

Why I write ...

to address a longheld desire to be a writer

What I am reading/watching/listening to ...

Horror/science fiction, mostly sports, Rock and Blues

My first job ...

Mowing Lawn for the City Park

My best moment ...

getting married, getting my blackbelt

My inspiration ...

Great fiction from writers like Stephen King, F. Paul Wilson, etc.

Personal Finance > Credit Cards The credit card trap

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Anyone can have credit card problems. It does not matter how smart you are, how much common sense you have, how much money you have, or how much you know about the system.

Why do I say this? I have a background in banking and have been in business for many years, yet I have run into problems with credit cards more than once simply because the system is set up to catch you when you are in a weak position or have run into some type of problem.

The weak position may simply be that you see something that you really want badly and it is a better price if you sign up for a credit card. T...

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