RONALD C. SPURGA is a Certified Financial Planner and a Vice President of ABN AMRO Bank. He has also worked as an investment banker and financial analyst on Wall Street. Spurga graduated from the Graduate School of Credit and Financial Management of the Amos Tuck School of Business Administration at Dartmouth College. He has an MBA in finance and has taught finance courses at Rutgers University, Fordham University, and New York University. In his spare time, Spurga writes poetry, which has appeared in Penumbra, the literary magazine of California State University, and in Cimarron Review, the literary magazine of Oklahoma State University.