Randy Burgess is a professional writer and co-author of The Pocket Idiot's Guide toTexas Hold 'em. Carl Baldassarre is the author of scores of articles, presentations, and essays on financial topics for clients including Fidelity Investments, UBS, Merrill Lynch, and PrudentialFinancial.Theresa Hamacher, CFA, is the former chief investment officer for Pioneer Investment Management USA in Boston, Massachusetts.