Andrew Dagys , CMA, is a professional accountant and financial advisor. He is a bestselling author who has written and co-authored several books, including The Internet For Canadians For Dummies Starter Kit , The Internet for 50+ , The Financial Planner for 50+ , and The Ontario Retirement Handbooks . Andrew is an investment columnist for Forever Young , and is a frequent contributor of technology-related articles to Canadian Living . An avid online investor, Andrew uses the Internet as a powerful investment tool. He also enjoys speaking to business and general audiences about the latest developments in computer technology, and about how the Internet can empower Canadiands. He lives in Toronto with his wife, Dawn-Ava, and their three children, Brendan, Megan, and Jordan.   Kathleen Sindell , Ph.D.

, has more than 20 years of financial services experience and is the founder of a firm that provides management consulting to the financial services industry. She is the former associate director of the Financial Management and Commercial Real Estate Programs for the University of Maryland, University College Graduate School of Management & Technology. Dr. Sindell recently completed the second edition of A Hands-On Guide to Mortgage Banking Internet Sites , a separate directory published by Mortgage Banking magazine (July 1997). She is the author of The Handbook of Real Estate Lending (Irwin Professional Publishing, 1996), and she edited a book titled the Essentials of Financial Management Kit (Dryden Press, 1993). Dr. Sindell has taught graduate-level courses in financial management, she lectures for the New York Institute of Finance (owned by Prentice Hall), and she is a well-known speaker in the United States. Dr.

Sindell is on the adjunct faculty of the Johns Hopkins University School of Continuing Studies, where she teaches financial management courses.