Back in 1998, I was regularly taking part in discussions on Yahoo! Finance message boards for stocks I was trading online. I was working in the finance department at a hospital system. I'd spent the better part of the past five years using the Web on my newfound high-speed Internet connection at school, a nice upgrade from the dial-up connection I had at home.

While I wouldn't realize it until much later, those boards were the first place that I saw ...