Profile

Cover photo
Daniel P. Ray
Works at CreditCards.com
Attended University of Missouri-Columbia
Lives in Austin, Texas
98 followers|7,865 views
AboutPostsPhotosVideos+1's

Stream

Daniel P. Ray

Shared publicly  - 
 
Good explainer that points out how easy is is to lose the interest-free grace period, and how hard it can be to get it back.
1

Daniel P. Ray

Shared publicly  - 
 

Nice animation by Juan Rodriguez
1

Daniel P. Ray

Shared publicly  - 
 
Scary piece by Kelly Dilworth.It's of special concern if you have a common Hispanic or Arabic sounding name - the ones that dominate the government's list of potential "suspects."
1

Daniel P. Ray

Shared publicly  - 
 
With my great grandfather's mustache as my role model, I'm growing a 'stache for Movember, to raise $ to help defeat prostate and testicular cancer.
1

Daniel P. Ray

Shared publicly  - 
1
In his circles
121 people
Have him in circles
98 people
Ted Christopher's profile photo
Brian Stacey's profile photo
Bill Trueman's profile photo
Michael Huber's profile photo
Claes Bell's profile photo
William Plasencia's profile photo
Fernando Nieblas's profile photo
Richard Scott's profile photo

Daniel P. Ray

Shared publicly  - 
 
HAAM benefit coming up ... outstanding cast of Austin musicians
1

Daniel P. Ray changed his profile photo.

Shared publicly  - 
1

Daniel P. Ray

Shared publicly  - 
 
My childhood friend David Javelosa, now an accomplished skydiver, invited me to do a tandem jump at Bay Area Skydiving and was good enough to record it (and compose the music!) It was about 10 types of awesome rolled into one.
1

Daniel P. Ray

Shared publicly  - 
 
Most debt collectors aren't like this, but some go way beyond the pale. Threatening to dig up the body of a debtor's daughter? And shoot her dog while they're at it?
1

Daniel P. Ray

Shared publicly  - 
 
One of the writer's points is that friendly gestures become suspicious - you don't know whether someone's trying to be your friend, or get their hands in hyour pockets. Enh, I'll risk it.
1
People
In his circles
121 people
Have him in circles
98 people
Ted Christopher's profile photo
Brian Stacey's profile photo
Bill Trueman's profile photo
Michael Huber's profile photo
Claes Bell's profile photo
William Plasencia's profile photo
Fernando Nieblas's profile photo
Richard Scott's profile photo
Work
Occupation
Editor with a specialty in consumer finance issues
Employment
  • CreditCards.com
    Editor in chief, 2007 - present
  • Bankrate.com
    Editor in chief, 1999 - 2007
  • Country Weekly magazine
  • The Miami Herald
  • Olivetti
  • CreditCards.com
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Currently
Austin, Texas
Previously
San Jose, Calif. - Concord, Mass. - Phoenix, Ariz. - Milwaukee, Wisc. - Columbia, Mo. - Pacific Grove, Calif. - Fort Lauderdale, Fla. - Boca Raton, Fla.
Story
Tagline
Editor with a specialty in consumer personal finance issues
Introduction

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.

Education
  • University of Missouri-Columbia
  • West Valley Community College
  • Florida Atlantic University
Basic Information
Gender
Male
Other names
Daniel P. Ray
Daniel P. Ray's +1's are the things they like, agree with, or want to recommend.
Court judgments for debt: Your options after the gavel
www.creditcards.com

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
www.creditcards.com

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...
www.creditcards.com

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
www.creditcards.com

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

Infographic: The cost of Halloween
www.creditcards.com

Those celebrating Halloween will spend an average of $107 this year. Our infographic shows the traditions and treats that will cost American

Are squiggly finger signatures legally binding?
www.creditcards.com

As more retailers move to hand-held payment systems, signing with your finger is the new norm. But is that squiggly, often illegible, scribb

Your map through Chapter 7 and 13 bankruptcy
www.creditcards.com

If you've decided that bankruptcy might be the solution for you, you need to be prepared for the stops along the way for Chapter 7 and Chapt

Credit reports now show your credit card bill-paying habits
www.creditcards.com

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

OOPS! OUR SLIP IS SHOWING.
nuzedit.blogspot.com

A friend of mine -- Elliott Potter, publisher and executive editor of the Jacksonville (N.C.) Daily News -- had a Facebook post this morning

Average credit card debt? Take your pick
www.creditcards.com

Depending on how the average is measured and who's doing the measuring, Americans are either doing pretty well when it comes to managing our

Jaron Lanier Q&A: Consumers, take back your data
www.creditcards.com

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
www.creditcards.com

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
www.creditcards.com

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
www.creditcards.com

The Social Security Administration is considering easing the process for replacing stolen SSNs for children 13 and younger, who are increasi

Daniel Ray's Mo Space
us.movember.com

Daniel's Motivation: is to change the face of men's health

The myths of debt settlement
video.creditcards.com

Got too much debt? Need some relief? Well, before turning to a debt settlement organization, check out this video from "The Credit Files", i

Heavy debt a major turnoff, especially for women, CreditCards.com survey...
www.creditcards.com

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?
www.wealthinformatics.com

This edition of Carnival of Personal Finance features an infographics based on how an average U.S. consumer unit (family) spends their money

CreditCardGuide.com
plus.google.com

The trusted source for credit cards online

A guide to the Credit CARD Act of 2009
www.creditcards.com

The federal government has enacted sweeping reforms into how credit cards work; learn what they mean to you through this interactive guide.