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Joel Kleppinger is a computer professional with 15 years experience in IT and has been with SMART Payment Plan since 2008. He was an author and technical editor of articles on IT and PC topics for Earthweb.com, PCMech.com, and PowerNotebooks.com. He has co-written an end-to-end ecommerce, billing, and order fulfillment website for PowerNotebooks.com and consulted on web initiatives for the Archdiocese of St. Louis and Crusecom.com. Joel graduated with top honors in Computer Science from Evangel University. When he decides to ignore his email, Joel enjoys backpacking with his wife in the mountain wilderness, cycling, and playing basketball.