Bob Frick, a senior editor for Kiplinger's Personal Finance (http://www.kiplinger.com/), leads the magazine's Rewards section and occasionally writes investing stories. Bob came to Kiplinger's in 1997. Prior to joining the magazine, he was the business editor for the Democrat and Chronicle in Rochester, N.Y. He is co-author of two videos on financial issues and of several books, including The ABCs of Personal Finance, Demystifying the Stock Market and Risks and Rewards of Penny Stocks. Bob holds a master's degree in business administration (finance) and a bachelor's degree in journalism from Pennsylvania State University.