In case you are wondering, I am the guy on the left and the beautiful woman next to me is my fiance and soon to be wife (June 6, 2009)!

I am opinionated, ambitious, and idealistic. I believe that every person has the ability to change his/her circumstances for the better. Whether that change for the better includes more money, more time, a bigger family, and/or more happiness, to name a few, each person has the ability to make that idea come to fruition.

I am constantly working to obtain my version of success. I cannot wait for the day when I am able to wake up in the morning and have the freedom to do whatever I want for that day and for the rest of my life. This is my goal, and I am constantly striving to achieve it.

I am always trying to educate myself about finances, real estate, the stock market, and basically every other avenue of financial and banking information. I feel that knowing these things will help me make wise investment decisions that will ultimately help me achieve my goal.

I am a stronger believer that happiness is more important than wealth. However, I also believe that a person can have both.

I have not always made the best credit and debt decisions. While I was in college, I would obtain credit cards just for the sake of having them. I never paid attention to interest rate, terms or fees. As such, I found myself in trouble with debt.

My trouble led me to hire a debt consolidation company and a credit repair company. My experiences with all of these events led me to study the science of credit usage and credit scores. During this time, I learned about my rights as a debtor and the limitations of credit card companies and credit reporting bureaus.

As the "Managing Credit and Debt" channel steward for the Personal Finance Channel, I would like to share my experiences and knowledge with you so that you can correct and/or avoid making the mistakes that I made. Also, I hope to give you a little knowledge about your ability to greatly improve your credit and debt situation so that you can possess the tools to create your own version of success.

If you feel like writing an article for the Personal Finance channel, and more specifically, the Managing Credit and Debt channel, drop me a line if you want some pointers, have questions, or just want to chat.

My passion is ...

My passion is to cook. Once I have obtained financial freedom, I plan on going to culinary school strictly for educational purposes.

I know too much about ...

Nothing. I am always willing and eager to learn something new.

My parents always told me ...

My parents always told me to never quit and do my best.

My childhood ambition ...

was to become a doctor

Why I write ...

I write to make money on the Internet, but also to spread my ideas and experiences with certain financial avenues

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

I am always reading the financial news on my homepage

My first job ...

My first job was a soccer referee

My best moment ...

I do not know. You would have to ask the person whose life I affected in order to be honored with such a distinction.

My inspiration ...

My family is my inspiration

Personal Finance > Credit Cards How to handle fraudulent activity on a credit card

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Losing your credit card is a frustrating experience. However, learning that your credit card has been used for fraudulent purchases can actually cost you time and money in addition to the mental frustration. There are three things you need to do in order to effectively handle fraudulent activity on your credit card. Those three things are prevention, protection, and action. First, you have to try to prevent fraudulent activity from happening. The best way to prevent fraudulent activity is to engage in certain behaviors when dealing with financial information and/or your credit card. For exa...

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