I am a retired 30-year military veteran who is constantly reinventing himself after a challenging but fulfilling career in the armed forces. I am pursuing further education in publication and publishing eBooks. My chosen niches are credit introductions for high school students as well as seniors and the digital divide. Having built a reputation as a credit counselor, I became certified by the National Association of Certified Credit Counselors (NACC). Combining my credit certification with my studies in publication. I have ventured into writing eBooks mostly on the subject of credit, but also covering othing as a writer ,er topics such as the need for seniors to be trained in using cell phones. I am also deeply invested in educationg the youth about financial literacy. This passion led to the creation of the Youth Credit Awareness Program (YCAP) focusing on traning high school students about credit, credit cards, credit reports and credit scores. At the age of seventy-three I continue to live by my mantra of reinvention now work, working as a writer credit coach and instructor.
