Nicole James (BA, MS) is a financial writer with over 20 years of experience researching and writing about marketing, global macroeconomics, labor economics, general finance, corporate finance, financial markets, equities, options, commodities, and currencies. After completing her Masters of Science in Economics and International Finance, she earned her Series 7, 63 FINRA and Series 3, 6 FINRA licenses and worked as an equity trade (risk arbitrage) before becoming a freelance financial writer.
Dana Kristan (BA, MA) has a BA in sociology and an MA in public policy and education. She is a passionate writer as well as a dedicated and attentive writing instructor with over 20 years of online teaching experience. She also completed related coursework in special education covering the use of needs assessments and systematic instructional designs to match teaching practices and learning objectives with learner needs, a core component of the systematic instructional methodologies that dominate special education practice today. She also monitored the educational programs for adults with severe disabilities in New York City before joining Universal Class in managing, developing, writing, and instructing online classes to better serve students' basic needs. Her passions include writing, journaling, music, cultural studies, and history.