JASON KELLY is the author of nine books, including The Neatest Little Guide to Mutual Fund Investing, The Neatest Little Guide to Stock Market Investing, and The Neatest Little Guide to Personal Finance. The Neatest Little Guide to Stock Market Investing, now in its fifth edition, is a BusinessWeek best seller. He conducts seminars on money management and can be seen as a frequent guest on CNN's financial network. He lives in Japan.