Nice animation by Juan Rodriguez
- University of Missouri-Columbia
- West Valley Community College
- Florida Atlantic University
Hi, I'm Daniel Ray. I'm an online journalist with a specialty in consumer and finance issues. My parents were upset I gave up a promising career as a typewriter repairman to become a writer, but it turned out well.
I have a good gig: I get to take all the lessons learned from years I spent in traditional journalism and apply them to the online world. Because I work in the personal finance arena, I have the opportunity to give people advice that puts money in their pockets -- or at least prevents it from fleeing so fast. People like that.
- CreditCards.comEditor in chief, 2007 - present
- Bankrate.comEditor in chief, 1999 - 2007
- Country Weekly magazine
- The Miami Herald
Poll: Asking for better credit card terms pays off
A CreditCards.com survey finds few credit card customers ask for a lower interest rate or late fee waiver, but those who ask usually succeed
Court judgments for debt: Your options after the gavel
A court judgment for debt can lead to seizure of wages and property, but there are steps to protect yourself after the decision comes down
Statutes of limitation for credit card debt collection, all 50 states
Creditors have a limited time in which to file suit over unpaid credit card debt. Here are the statutes of limitation for all 50 states and
Balance Transfer Credit Cards - Many choices available for your transfer...
Consolidate debt with sensible balance transfers. Apply for your balance transfer credit card at CreditCards.com.
How to use the grace period to avoid paying interest
Taking advantage of the grace period's break on interest charges can save the typical card user a couple hundred bucks a year, but the savin
Credit reports now show your credit card bill-paying habits
Credit bureaus add a new section to credit reports showing whether you carry a credit card balance, giving card issuers and others a more de
Jaron Lanier Q&A: Consumers, take back your data
The computer visionary and influential thinker sees individual and widespread economic risk in turning details of our lives into commodities
6 credit card problems that can ruin your summer vacation
Here are some credit-related problems that can wreak havoc on your well-deserved holiday, and some tips on what you can do to avoid them, we
Q&A with author Frank Ahearn on the art of disappearing
This skip-tracer turned skip-maker charges $42,000 minimum to help people disappear. He doesn't take credit cards. In fact, his first move w
Proposed rule could help kids replace stolen Social Security numbers
The Social Security Administration is considering easing the process for replacing stolen SSNs for children 13 and younger, who are increasi
Heavy debt a major turnoff, especially for women, CreditCards.com survey...
Attitudes regarding debt loom large over any relationship, and that's especially true for women, who find heavy debt a huge turnoff, says a
Carnival of Personal Finance : Where does the money go?
This edition of Carnival of Personal Finance features an infographics based on how an average U.S. consumer unit (family) spends their money