Daniel is a professor of finance at Niagara University in Lewiston, NY. Dan and his wife Ann have been married for 32 years; Ann has TS. A native of Ohio, Dan has a BA in Economics from Ohio State University, an MBA from the University of Akron, and a Ph.D. in Finance from the University of Kentucky. Prior, Dan worked at the University of Michigan – Dearborn, and the University of Findlay. Professionally Dan has taught courses in economics, finance, and strategy for undergraduate, masters, and Niagara University’s Ph.D. in Leadership programs. Dan has over 30 published articles or proceedings in professional journals. In addition, Dan has served in many community service roles.