William Calkins

Bill Calkins has over 15 years of experience as a UNIX® system administrator working with Solaris, as well as other UNIX operating systems, Windows NT®, and Windows ® 98. Over the past five years, Bill has worked as an independent consultant helping companies implement client/server technologies and helping system administrators become more productive. Bill teaches UNIX and system administration courses throughout the industry, including seminars on improving system and network performance. When he's not conducting a seminar, he's out in the real world dealing with problems that help him illustrate the importance of the various practices he teaches.

William Calkins

Tiernan Ray is a contributing editor at SmartMoney.com -- The Wall Street Journal of Personal Business – where he covers the ever-expanding impact of the Internet on personal finance. He has written extensively on the topic of online banking, covering issues of safety and service, for the magazine and other publications including the Wall Street Journal and the New York Times.