James Woodruff has been a management consultant to more than 1,000 small businesses over the past 30 years. This background has given him a foundation of real-life experiences for his freelance writings on business topics. James has written extensively for Bizfluent, SmallBusiness.Chron.com, and Work.Chron.com.
He previously had his own firm that specialized in financing exports from the United States to clients in Central and South America. James received a Bachelor of Mechanical Engineering from the Georgia Institute of Technology and an MBA in finance from the Columbia University Graduate School of Business.
Sonya Stinson is a New Orleans-based writer who covers personal finance, careers, higher education, small business and lifestyle topics. Her work has appeared in Forbes.com, Bankrate.com, CNNMoney.com, Black MBA, Entrepreneur, Minority Nurse, American Craft, The Christian Science Monitor and many other publications.