Bachelor in Economics, Lycoming College, 1963. Postgraduate, General Motors Institute Management, 1965. Certified, New York Institute of Finance, 1969.
Principal Hayes Finance Corporation, New York City. Director Petro Corporation, Houston. Director, finance services department Oppenheimer and Company, general partner New York City, 1977-1982, executive vice president, managing director, corporation finance and finance services, 1982-1985, co-managing corporation finance department, 1983-1985.
Mortgage banker Advance Mortgage Company, Southfield, Michigan, 1979-1984. Chief Executive Officer Fred's, Inc., 1989—2009, managing director, since 1989, chairman, since 2004. Board directors Fred's, Inc., 1987.
Member finance committee New Jersey Republican Party, 1982. Served with United States Army Reserve, 1963-1968. Member of Ridgewood Country (New Jersey).
Married Christina L. Casselbury, April 21, 1966. Children– Barbara, Michelle, Michael Joseph.