Paul B. Farrell, JD, PhD, is an investing and personal finance columnist for MarketWatch.com and the Wall Street Journal Sunday. Dr. Farrell has written more than 1,200 columns, many of which have been syndicated on America Online, Yahoo!, and EaeoTrade (etrade.com). He frequently appears on television and radio, including CNBC, CNN, Bloomberg Television, and FOX. He has written six books and previously worked as executive vice president of the Financial News Network, associate editor of the Los Angeles Herald Examiner, and as an investment banker with Morgan Stanley. THE LEARNING ANNEX is the largest alternative adult--education organization in the United States. It offers short, inexpensive courses on personal growth, business and career opportunities, showbiz and media, health and healing, sports and fitness, spirituality, relationships, and technology, among many other subjects.