Joseph Badal (born November 17, 1944) is an American suspense

thriller (genre) Thriller is a genre of fiction, having numerous, often overlapping subgenres. Thrillers are characterized and defined by the mood (psychology), moods they elicit, giving viewers heightened feelings of suspense, Psychomotor agitation, excitement, ...

novelist A novelist is an author or writer of novels, though often novelists also write in other genres of both fiction and non-fiction. Some novelists are professional novelists, thus make a living writing novels and other fiction, while others aspire to ...

and notable

financier An investor is a person who allocates financial capital with the expectation of a future return (profit) or to gain an advantage (interest). Through this allocated capital most of the time the investor purchases some species of property. Type ...

. Badal served in the U.S. Army as a commissioned officer. During the

Vietnam War The Vietnam War (also known by #Names, other names) was a conflict in Vietnam, Laos, and Cambodia from 1 November 1955 to the fall of Saigon on 30 April 1975. It was the second of the Indochina Wars and was officially fought between North Vie ...

, he served as a

captain Captain is a title, an appellative for the commanding officer of a military unit; the supreme leader of a navy ship, merchant ship, aeroplane, spacecraft, or other vessel; or the commander of a port, fire or police department, election precinct, e ...

in the

US Army The United States Army (USA) is the land service branch of the United States Armed Forces. It is one of the eight U.S. uniformed services, and is designated as the Army of the United States in the U.S. Constitution.Article II, section 2, cla ...

and received several commendations for his performance during the war. He currently resides in

New Mexico ) , population_demonym = New Mexican ( es, Neomexicano, Neomejicano, Nuevo Mexicano) , seat = Santa Fe , LargestCity = Albuquerque , LargestMetro = Tiguex , OfficialLang = None , Languages = English, Spanish ( New Mexican), Navajo, Ker ...

. He was a member of the New Mexico Small Business Council from 2011-2022 and currently sits on the New Mexico Board of Finance.

Chronological Bibliography

Novels

''The Pythagorean Solution'' (Seven Locks Press, 2003, ) ''Terror Cell'' (Seven Locks Press, 2004, ) ''The Nostradamus Secret'' (Brick Tower Press, 2011, ) ''Terror Cell'' (Suspense Publishing, 2013, )

Articles

""Financing a Home With No Down Payment"" (Real Estate Finance, August 2005) ""Loan Modification Programs: A Great Alternative to Refinancing a Mortgage"" (Real Estate Finance, October 2005) ""The Advantages of Portfolio Lender Relationships"" (Real Estate Finance, April 2006) ""When Mortgage Debt Can Be a Good Thing"" (Real Estate Finance, August 2006) ""Mortgage Matters: Why ARMs Make Sense"" (Santa Fe New Mexican, 6/4/2006) ""Mortgage Matters: A Case Against Installment Debt"" (Santa Fe New Mexican, 8/6/2006) ""Mortgage Matters: The Baby Boomer Effect"" (Santa Fe New Mexican, 10/1/2006) ""Mortgage Matters: 100 Percent Financing Can Make Sense"" (Santa Fe New Mexican, 12/3/2006) ""Mortgage Lending to a Trust or LLC"" (Real Estate Finance, June 2007) ""Exception Lending Versus Exceptional Lending"" (Real Estate Finance, June 2007) ""Mortgage Matters: 2007's Real Estate Outlook"" (Santa Fe New Mexican, 2/4/2007) ""Using Common Sense to Enrich Alt-A Lending Success"" (2/2007) ""Mortgage Matters: Housing Boom Slows"" (Santa Fe New Mexican, 4/1/2007) ""Everything You Always Wanted to Know About Jumbos"" (5/2007) ""Mortgage Matters: Using Home Equity Wisely"" (Santa Fe New Mexican, 6/3/2007) ""Mortgage Matters: In Hard Times, What's A Realtor To Do?"" (Santa Fe New Mexican, 8/5/2007) ""Mortgage Matters: Is This 2007... Or 1929?"" (Santa Fe New Mexican, 10/7/2007) ""Mortgage Matters: Excess/Excessive Reaction"" (Santa Fe New Mexican, 12/2/2007)

Careers

Joseph Badal graduated with his Bachelor of Science degree in International Finance from

Temple University Temple University (Temple or TU) is a public state-related research university in Philadelphia, Pennsylvania. It was founded in 1884 by the Baptist minister Russell Conwell and his congregation Grace Baptist Church of Philadelphia then called Ba ...

and went on to get his

MBA A Master of Business Administration (MBA; also Master's in Business Administration) is a postgraduate degree focused on business administration. The core courses in an MBA program cover various areas of business administration such as accounti ...

from the

University of New Mexico The University of New Mexico (UNM; es, Universidad de Nuevo México) is a public research university in Albuquerque, New Mexico. Founded in 1889, it is the state's flagship academic institution and the largest by enrollment, with over 25,400 ...

before beginning a thirty-five year career in the banking and financial services industry. He is currently CEO of Joseph Badal & Associates, Inc., a financial and management consulting firm. From 1967 to 1972, (during the

) Badal served in the

United States Army The United States Army (USA) is the land service branch of the United States Armed Forces. It is one of the eight U.S. uniformed services, and is designated as the Army of the United States in the U.S. Constitution.Article II, section 2, cla ...

with a last rank of captain. He served both overseas in Greece, Vietnam, and in the United States during his time of service and was awarded the

Bronze Star The Bronze Star Medal (BSM) is a United States Armed Forces decoration awarded to members of the United States Armed Forces for either heroic achievement, heroic service, meritorious achievement, or meritorious service in a combat zone. Wh ...

, the

Meritorious Service Medal (United States) __NOTOC__ The Meritorious Service Medal (MSM) is a military award presented to members of the United States Armed Forces who distinguished themselves by outstanding meritorious achievement or service to the United States subsequent to January 16, ...

, and the

Army Commendation Medal The Commendation Medal is a mid-level United States military decoration presented for sustained acts of heroism or meritorious service. Each branch of the United States Armed Forces issues its own version of the Commendation Medal, with a fifth ...

with

Oak Leaf Cluster An oak leaf cluster is a ribbon device to denote preceding decorations and awards consisting of a miniature bronze or silver twig of four oak leaves with three acorns on the stem. It is authorized by the United States Armed Forces for a speci ...

. Badal is currently a Board Member & Chairman of the Audit Committee for the

Navajo Nation The Navajo Nation ( nv, Naabeehó Bináhásdzo), also known as Navajoland, is a Native American reservation in the United States. It occupies portions of northeastern Arizona, northwestern New Mexico, and southeastern Utah; at roughly , the ...

telephone company, Sacred Wind Communications. Badal was also employed by

Thornburg Mortgage Thornburg Mortgage was a United States real estate investment trust (REIT) that originated, acquired and managed mortgages, with a specific focus on jumbo and super jumbo adjustable rate mortgages. The company experienced financial difficulties r ...

from 1993 to 2007, when he retired from his positions of Senior Executive Vice President, Chief Lending Officer, and Board of Directors. From the years 1981 to 1982 Badal served as a New Mexico State Representative, District 27,

New Mexico House of Representatives ) is the lower house of the New Mexico State Legislature. There are 70 members of the House. Each member represents roughly 25,980 residents of New Mexico. The most recent elections were held on November 3, 2020. Composition Leadership Cu ...

References

External links

''Pythagorean Solution'' movie production

Fantastic Fiction Bio Page

Joseph Badal on GoodReads.com
{{DEFAULTSORT:Badal, Joseph 1944 births Living people American male non-fiction writers American financial writers United States Army officers