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                                                                    EXHIBIT 10.3

                              CONSULTING AGREEMENT

         This CONSULTING AGREEMENT (this "Agreement"), made and entered into as
of the 10th day of December, 1999, is by and between Steven Ross ("Consultant"),
and BugSolver.Com, Inc., a Delaware Corporation (the "Company").

                                WITNESSETH THAT:

         WHEREAS, the Company desires to engage the Consultant in the capacity
hereinafter stated, and the Consultant desires to enter into an engagement with
the Company in such capacity for the period and on the terms and conditions set
forth herein;

         NOW, THEREFORE, in consideration of the mutual covenants and agreements
set forth below, it is hereby covenanted and agreed by the Company and the
Consultant as follows:

         1. Consulting Period. The Company hereby agrees to employ the
            Consultant as its Chief Executive Officer, and the Consultant, in
            such capacity, agrees to provide services to the Company for the
            period (the "Consulting Period") beginning on the date first above
            written and ending, subject to Section 5, on March 31, 2000, which
            is the date 110 days after the date hereof (the "Termination Date").
            This Agreement will automatically renew for successive ninety-day
            periods unless either party gives the other written notice of
            termination as described in Section 5 hereof, with each such renewal
            period being considered an extension of the Consulting Period.

         2. Board of Directors. The Consultant hereby agrees to serve as a
            member of the Board of Directors of the Company. The Company agrees
            that, without limiting any rights of Consultant under the Company's
            certificate of incorporation, (a) Consultant's liability as a
            director shall be limited to the maximum extent permitted by law,
            (b) Consultant shall be indemnified and held harmless by the Company
            from and against any and all losses, liabilities, claims, expenses
            and the like incurred by or asserted against Consultant as a
            director, to the maximum extent permitted by law and (c) prior to
            the Company's filing of a registration statement with respect to an
            initial public offering, the Company shall have obtained Directors
            and Officers liability insurance providing insurance for the
            Consultant against liability as a director of the Company, and the
            maintenance of that insurance shall be a condition to Consultant so
            serving during the process of filing and having declared effective
            such registration statement.

         3. Performance of Duties. The Consultant agrees that, during the
            Consulting Period, as requested by the Board of Directors of the
            Company, the Consultant will provide his best efforts, professional
            energy and talent to serving as Consultant and a board member in the
            best interests of the Company. Consultant will perform, among other
            duties consistent with the position of Chief Executive Officer,
            those tasks and duties listed on Exhibit A attached hereto.

         4. Compensation. Subject to the terms and conditions of this Agreement,
            during the Consulting Period, the Consultant shall be compensated by
            the Company for his services as follows:

            (a) The Consultant shall receive a consulting fee of $20,000 for
                each month he is engaged as a Consultant by the Company under
                this Agreement (the "Consulting Fee"), payable on the first day
                of each month during the Consulting Period.
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            (b) The Consultant shall receive, as a "signing bonus" in
                consideration for (i) his agreement to enter into this Agreement
                and (ii) his payment to the Company of $300 (which shall be
                credited against his first month's payment of the Consulting
                Fee), 30,000 shares of the Company's Common Stock, $.01 par
                value (the "Common Stock"), which shares shall constitute 1% of
                the number of shares of Common Stock initially to be issued to
                TekInsight.Com, Inc.

            (c) Following both (i) the first renewal of this Consulting
                Agreement for an additional Consulting Period and (ii) the
                successful completion of a private placement of securities by
                the Company the gross proceeds of which to the Company shall
                equal at least $10,000,000 (the "Private Placement"), the
                Company shall grant to the Consultant five-year options (the
                "Options") to purchase that number of shares of the Company's
                Common Stock as shall equal 4% of the outstanding shares of
                Company Common Stock immediately following completion of the
                Private Placement (the "Options"), which Options shall be
                exercisable at the price at which shares of the Common Stock are
                issued by the Company in the Private Placement. The Options
                shall vest one year from the closing date of the Private
                Placement (the "Vsting Date"); provided, that in the --------
                event that the Company completes an initial public offering of
                its securities prior to the Vesting Date. the Options shall vest
                on the closing date of such initial public offering. Upon the
                termination of the Consulting Agreement by either party hereto,
                the Options which have not vested at such time shall
                automatically become null and void

            (d) The Consultant shall promptly be reimbursed for reasonable
                expenses incurred in the performance of his duties hereunder;
                provided, that he shall furnish an itemized account satisfactory
                to the Board of Directors in substantiation of such
                expenditures.

            (e) In connection with the issuance of shares of Common Stock and
                the granting of the Options to the Consultant, the Consultant
                agrees that he shall execute sand deliver to the Company such
                agreements and instruments as counsel to the Company shall deem
                necessary in order for the Company to comply with applicable
                federal and state securities laws.

         5. Termination. This Agreement shall terminate upon the occurrence of
            any of the following:

            (a) Without Cause. Either party may terminate this Agreement upon
                thirty (30) days' written notice.

            (b) Discharge for Cause. The Board of Directors of the Company may
                terminate this Agreement if:

                (i)   The Consultant is or becomes habitually addicted to drugs
                      or alcohol.

                (ii)  The Consultant discloses confidential information in
                      violation of Section 6.

                (iii) The Consultant, voluntarily or involuntarily, steps down
                      from the Board of Directors of the Company.

                (iv)  The Company is directed by regulatory or governmental
                      authorities to terminate the engagement of the Consultant
                      or the Consultant engages in activities that result in
                      actions to be taken by regulatory or governmental

                                      -2-
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                      authorities that have a material adverse effect on the
                      Company.

                (v)   The Consultant is convicted of or pleads nolo contendere
                      to any felony involving moral turpitude or to any crime in
                      connection with his duties hereunder which causes
                      substantial detriment to the Company, but specifically
                      shall not include traffic offenses.

                (vi)  The Consultant breaches his duties under this Agreement in
                      any material respect, and that breach is not cured within
                      ten (10) days of notice thereof from the Company to the
                      Consultant. Such notice will only be required for the
                      first said breach.

                (vii) The Consultant engages in any misconduct that has a
                      material adverse effect on the Company.

               (viii) The Consultant commits an act of fraud against the
                      Company or any client of the Company.

         6. Confidential Information. Except as may be required by the law or to
            enforce the provisions of this Agreement, the Consultant agrees (a)
            to keep secret and confidential indefinitely all non-public
            information concerning the Company and its affiliates which was
            acquired by or disclosed to the Consultant during the course of his
            engagement by the Company, including information relating to
            customers (including, without limitation, credit history, repayment
            history, financial information and financial statements), costs,
            operations, financial data and plans (whether past, current or
            planned) and (b) not to disclose the same, either directly or
            indirectly, to any other person, firm or business entity, or use it
            in any way other than to perform its obligations hereunder;
            provided, however, that the provisions of this Section 6 shall not
            apply to information (a) which is in the public domain, (b) which
            was disclosed to the Consultant by independent third parties who, to
            Consultant's knowledge, were not bound by an obligation of
            confidentiality or (c) which the Consultant is required to disclose
            in order to respond to a summons or subpoena or in connection with
            any litigation; and provided further, that the Company recognizes
            that the Consultant shall, during the course of his engagement with
            the Company, acquire certain general information regarding the
            financial condition, borrowing trends and business operations of the
            Company's customers and agrees that the provisions of this Section 6
            shall not apply to the use of such general information; provided
            that the use of such information does not violate applicable Federal
            or state laws. The Consultant further agrees that he will not make
            any statement or disclosure of information gained by him in
            connection with the performance of duties under this Agreement which
            would be prohibited by applicable Federal or state laws.

         7. Successors. This agreement shall be binding on, and inure to the
            benefit of, the Company and its successors and assigns and any
            person acquiring all or substantially all of the Company's assets
            and business, whether by merger, consolidation, purchase of assets
            or otherwise.

         8. Nonalienation. The interests of the Consultant under this Agreement
            are not subject to the claims of his creditors, and may not
            otherwise be voluntarily or involuntarily assigned, alienated or
            encumbered.

         9. Remedies. The Consultant acknowledges that the Company may be
            irreparably injured by a violation of Section 6, and agrees that the
            Company shall be entitled to an injunction restraining the

                                      -3-
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             Consultant from any actual or threatened breach of Section 6, or to
             any other appropriate equitable remedy without bond or other
             security being required.

         10. Waiver of Breach. The waiver by either the Company or the
             Consultant of a breach of any provision of this Agreement shall not
             operate as or be deemed a waiver of any subsequent breach by either
             the Company or the Consultant.

         11. Notice. Any notice to be given hereunder by a party hereto shall be
             in writing and shall be deemed to have been given when delivered by
             hand or by facsimile with confirmation back, one day after delivery
             to an overnight courier of national reputation (for next day
             delivery) or three days after being deposited in the U.S. mail,
             certified or registered mail, postage prepaid:

             (a) to the Consultant addressed as follows:
                 Steven Ross
                 2 Leesbury Court
                 Newport Beach, CA 92660

             (b) to the Company addressed as follows:
                 BugSolver.Com, Inc.
                 C/o TekInsight.Com, Inc.
                 5 Hanover Square
                 New York, NY 10004

         12. Amendment. This Agreement may be amended or cancelled by mutual
             agreement of the parties in writing without the consent of any
             other person and no person, other than the parties hereto, shall
             have any rights under or interest in this Agreement or the
             subject matter hereof.

         13. Applicable Law. The provisions of this Agreement shall be construed
             in accordance with the internal laws of the State of New York,
             without regard to its principles of conflict of laws.

         14. Termination. All of the provisions of this Agreement shall
             terminate upon the expiration of the Consulting Period, as it may
             be extended, except that the obligations of Section 6 shall not
             terminate and shall remain in effect indefinitely.

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         IN WITNESS WHEROF, the Consultant and the Company have executed this
Consulting Agreement on the ______ day of December, 1999.


STEVEN ROSS                                     BUGSOLVER.COM, INC.



By:___________________________                  By:_____________________________
          Steven Ross

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                                    EXHIBIT A

Steven Ross's duties, as a Consultant to BugSolver.Com, Inc, shall include the
following:

He shall devise and write a comprehensive business plan.

He shall help arrange and supervise beta testing.

He shall solicit and enter into vendor relationships.

He shall supervise the marketing of the BugSolver Web site and develop a
strategy to promote the BugSolver Web site.

He shall actively participate in BugSolver's efforts to raise capital through a
private placement.

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