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Rob Carrick has been writing about personal finance, business and economics for more than 12 years. He joined The Globe and Mail in late 1996 as an investment reporter and has been personal finance columnist since November 1998. On-line investing is an area of particular interest for Rob, who has co-written a book called E-Investing: How to Choose and Use a Discount Broker. Another book, this one on essential investing Web sites, will be published in early 2002.