Hello, I am John, born in Cedar Rapids, but lived a lot of years in Latin America. I am an economist and have specialized in credit and debt. Originally sovereign debt, but later on, in personal loans ranging from mere payday loans to FHA mortgages and complex business loans with different stages, passing through hard money loans and auto title loans. I write for many publications. Here in eCreditDaily, I write about personal loans but I also write for other websites and bulletins about inflation and country risk.