Edward T. Koch has over 40 years of experience as an investment professional. Now retired, he was senior vice president and regional manager of Fleet Investment Advisors. Debra DeSalvo is a writer, having contributed articles to "Investors Daily, Barrons," and "NY Business," among others. She is co-author of "How to Get a Business Loan Without Signing Your Life Away," Joshua Kennon is the Investing for Beginners guide at About.com, a division of "The New York Times," His series of lessons on financial statement analysis has been used by managers, investors, and universities throughout