UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON,  D.C.  20549
                                                        OMB APPROVAL
                                             OMB  Number:  3235-0420
                                            Expires:  May  31,  2000
                                          Estimated  average  burden
                                       hours  per  response  3225.00
                                       -----------------------------

                                   FORM 10-KSB
(Mark  One)

[X]     ANNUAL  REPORT  UNDER SECTION 13 OR 15(d) OF THE SECURITIES
        EXCHANGE ACT OF 1934
            For  the  fiscal  year  ended  December  31,  1999
                                    --------------------------
[ ]     TRANSITION  REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES
        EXCHANGE ACT OF  1934
            For  the  transition  period  from          to
        Commission  file  number

                           E-FINANCIAL DEPOT.COM, INC.
                           ---------------------------

                 (Name of small business issuer in its charter)

       DELAWARE                                       33-0809711
       --------                                       ----------
(State or other jurisdiction of                 (I.R.S. Employer
incorporation or organization)               Identification No.)

   150 - 1875 CENTURY PARK EAST
   CENTURY CITY, CALIFORNIA                            90067
   ------------------------                            -----
(Address of principal executive offices)          (Zip Code)

Issuer's  telephone  number  (877)  739-3812
                              ---   --------

Securities  registered  under  Section  12(b)  of  the  Exchange  Act:

     Title of each class          Name of each exchange on which registered


Securities  registered  under  Section  12(g)  of  the  Exchange  Act:

                         COMMON STOCK, PAR VALUE $0.001
                         ------------------------------
                                (Title of class)

                                (Title of class)

<PAGE>

POTENTIAL  PERSONS WHO ARE TO RESPOND TO THE COLLECTION OF INFORMATION CONTAINED
IN  THIS  FORM  ARE NOT REQUIRED TO RESPOND UNLESS THE FORM DISPLAYS A CURRENTLY
VALID  OMB  CONTROL  NUMBER.

     Check  whether  the  issuer  (1)  filed all reports required to be filed by
Section  13  or 15(d) of the Exchange Act during the past 12 months (or for such
shorter  period  that the registrant was required to file such reports), and (2)
has  been  subject  to  such  filing  requirements for the past 90 days.
                                   Yes  [X]  No  [ ]

     Check  if  there  is no disclosure of delinquent filers in response to Item
405  of  Regulation S-B is not contained in this form, and no disclosure will be
contained,  to  the  best  of  registrant's  knowledge,  in  definitive proxy or
information statements incorporated by reference in Part III of this Form 10-KSB
or  any  amendment  to  this  Form  10-KSB.  [X]

     State  issuer's  revenues  for  its  most  recent  fiscal year.  $1,197,813
                                                                      ----------

     State the aggregate market value of the voting and non-voting common equity
held  by  non-affiliates  computed by reference to the price at which the common
equity was sold, or the average bid and asked price of such common equity, as of
a  specified date within the past 60 days.  (See definition of affiliate in Rule
12b-2  of  the  Exchange  Act.)

3,458,000  common  shares  @  $5.1875  (1)  =  $17,938,375
----------------------------------------------------------
(1)  Average  of  bid  and  ask  closing  prices  on  April  11,  2000

Note:  If  determining  whether  a  person  is  an  affiliate  will  involve  an
unreasonable  effort  and expense, the issuer may calculate the aggregate market
value  of  the  common  equity held by non-affiliates on the basis of reasonable
assumptions,  if  the  assumptions  are  stated.

     (ISSUERS INVOLVED IN BANKRUPTCY PROCEEDINGS DURING THE PAST FIVE YEARS)

     Check whether the issuer has filed all documents and reports required to be
filed  by  Section 12, 13 or 15(d) of the Exchange Act after the distribution of
securities  under  a  plan  confirmed  by  a  court.     Yes [ ]     No [ ]

                   (APPLICABLE ONLY TO CORPORATE REGISTRANTS)

     State  the  number of shares outstanding of each of the issuer's classes of
common  equity,  as  of  the  latest  practicable  date.

13,010,000  common  shares,  par  value  $0.001 outstanding as of March 31, 2000
--------------------------------------------------------------------------------

                       DOCUMENTS INCORPORATED BY REFERENCE

     If  the following documents are incorporated by reference, briefly describe
them and identify the part of the Form 10-KSB (e.g., Part I, Part II, etc.) into
which  the document is incorporated:  (1) any annual report to security holders;
(2) any proxy or information statement; and (3) any prospectus filed pursuant to
Rule 424(b) or (c) of the Securities Act of 1933 ("Securities Act").  The listed
documents  should be clearly described for identification purposes (e.g., annual
report  to  security  holders  for  fiscal  year  ended  December  24,  1990).

     Transitional Small Business Disclosure Format (Check one): Yes [ ] No [ ]

<PAGE>

                                     PART I

ITEM  1.     DESCRIPTION  OF  BUSINESS.

General

Following  its incorporation on April 27, 1997, e-financial depot.com, Inc. (the
"Company")  operated as a "blank check" company, and was originally organized to
engage  in  any  lawful  corporate  business  including,  but  not  limited  to,
participating  in  mergers  with  and  acquisitions  of  other  companies.  The
Company's  executive  offices are located at 1875 Century Park East,  Suite 150,
Century  City,  CA  90067  (Telephone:  (877)  739-3812).  The  Company also has
corporate  offices  located  at  Suite 1005 - 750 West Pender Street, Vancouver,
British  Columbia,  Canada  V6C  2T8  (Telephone:  (604)  689-4195).

Other  than  as  disclosed  herein,  the  Company  has  not been involved in any
bankruptcy,  receivership or similar proceedings, nor has it been a party to any
material  reclassification,  merger,  consolidation,  purchase  or  sale  of  a
significant  amount  of  assets  not  in  the  ordinary  course of its business.

The Company's financial statements are stated in United States Dollars (US$) and
are  prepared  in  accordance  with  United States Generally Accepted Accounting
Principles.

In  this  Annual  Report,  unless  otherwise  specified,  all dollar amounts are
expressed  in  United States Dollars.  Herein, all references to "CDN$" refer to
Canadian Dollars and all references to "common shares" refer to common shares in
the  capital  stock  of  the  Company.

Business  Development  of  the  Company  of  the  Past  Three  Years

The  Company  is  a  Delaware corporation organized on April 21, 1997, under the
name  "Ballynagee  Acquisition Corp.".  On November 2, 1999, the Company changed
its  name to "e-financial depot.com, Inc."  The Company was originally organized
as  a  "blank  check"  company,  incorporated  to engage in any lawful corporate
business  including,  but  not  limited  to,  participating  in mergers with and
acquisitions  of  other  companies.

On  September 20, 1999, the Company entered into a Stock Exchange Agreement (the
"Exchange Agreement") with RJI Ventures, Inc., formerly Talk Stock With Me, Inc.
("RJI"),  a  Nevada Corporation .  From inception until the date of the Exchange
Agreement,  the  Company  was  an  inactive  corporation  with  no  assets  or
liabilities.  Subsequent  to  the  Exchange  Agreement,  the  resultant  merged
corporation  was  re-named  e-financial  depot.com,  Inc.  At the same time, all
previously outstanding common stock, preferred stock, options and warrants owned
by  RJI  stockholders were exchanged for an aggregate of 2,000,000 shares of the
Company's  common  stock.  RJI was incorporated in Nevada in November, 1998, and
began  operations  in  the  first  quarter  of 1999 as a developer, marketer and
operator  of  an  internet web site devoted to the research of U.S. and Canadian
equity  issues.

On  October  13,  1999,  the  Company announced the approval of a "four-for-one"
stock dividend on its common stock, which resulted in five total shares in place
of  one  share.  The  record  date  for the stock dividend was October 14, 1999.

At a special meeting on November 2, 1999, the Company's stockholders unanimously
approved,  through  written  consent,  to  amend  the  Company's  certificate of
incorporation  to:

     (i)     increase  the  capital  stock to 110,000,000 shares from 30,000,000
shares, which included an increase of the authorized shares of common stock, par
value  $0.001  per  share,  to  100,000,000  shares  from 20,000,000 shares; and

     (ii)     change  the  name  of  the  Company to e-Financial Depot.com, Inc.
On  November 2, 1999 the Company amended its articles of incorporation to change
its  name  to  e-Financial  Depot.Com,  Inc.

<PAGE>

On  November  30, 1999, the Company entered into a share purchase agreement (the
"Share Purchase Agreement") with TradeFast Inc. ("TradeFast"), a private holding
company  for  an  electronic  stock  brokerage  that  leverages  direct-access
communications  with the stock exchanges through its principal operating arm, to
provide  investors  and  traders  with  real-time order matching and transaction
clearing, and Alan Cohen.  Pursuant to the Share Purchase Agreement, the Company
acquired  100%  of  the  issued  and outstanding shares of TradeFast.  Under the
terms  of  the Share Purchase Agreement, the Company issued a total of 4,000,000
shares of restricted stock to the sole shareholder of TradeFast.  As a result of
TradeFast's  achievement  of  profits  in  excess of $3,000,000 in the preceding
twelve-month  period,  none  of  the  shares issued are subject to the escrow or
cancellation terms of the earlier agreement in principle governing the purchase.
In  connection  with  the  closing of the November Letter of Intent, the Company
entered  into  verbal  management  services  agreements  with  certain  of  the
principals  of  TradeFast,  pursuant to which the Company will pay fees equal to
20%  (30%  in  the  first  year)  of the net profits received by Trade-Fast Inc.
through  the  operations  of  its  current  business  segments.

On  January  19, 2000 the Company signed a letter of intent pursuant to which it
will  acquire  Westcor  Mortgage  (the  "Westcor  Letter  of Intent"), a leading
mortgage  banking company located in Calgary, Alberta, Canada.  Westcor Mortgage
is  a  privately  held company that provides real estate financial services both
through  conventional  methods and through its website, www.westcormortgage.com.
Through  its  extensive  partner  network  of  Canadian  financial institutions,
Westcor  has  grown to become one of the largest-volume mortgage brokerage firms
in  Western  Canada.  As  a  result  of  the  Westcor  Letter of Intent, Westcor
Mortgage  will become a wholly-owned subsidiary of e financial depot.com.  Under
terms  of  the  Westcor  Letter  of Intent, Westcor will receive a total of $2.2
million  in  cash  and  stock.

Subsequent to the year ended December 31, 1999, on January 31, 2000, the Company
entered  into  a funding agreement (the "Funding Agreement") with Oxford Capital
Corporation  ("Oxford"),  which was completed on February 24, 2000 (the "Closing
Date").  Pursuant  to  the  Funding  Agreement,  the Company issued to Oxford 6%
Convertible  Debentures  (the  "Debentures")  and a two year warrant to purchase
250,000  shares  of  common  stock  in the capital of the Company at US$5.00 per
share  (the  "Warrants"),  in  exchange for funding in the amount of $2,500,000.
The  Debentures are due January 31, 2003 and bear interest at the rate of 6% per
year,  payable  upon conversion, redemption or maturity, whichever occurs first.
Interest  is  payable, at Oxford's option, in cash or in shares of the Company's
common stock.  Pursuant to the Funding Agreement, the Debentures are convertible
into  shares  of common stock from time to time, in amounts specified by Oxford,
any  time  after  the  Closing Date at a conversion price which is the lower of:

     (i)     80%  (not  lower  than  a  floor  price  of US$3.00) of the average
closing  bid  price  of the Company's common stock for the five (5) trading days
preceding  the  Conversion  Date;  or

     (ii)     US$5.00.

In  addition,  the  Debentures  are  subject  to  a  forced  conversion into the
Company's  common  stock  when  the share price has traded above US$10.00 for 20
consecutive  trading days and the liquidity covenants have not been broken.  The
underlying  warrants  will be acquired and paid for within 30 trading days after
forced  conversion.

The  Debentures were issued from an exemption from the registration requirements
of  the  Securities  Act  of  1933,  as  amended, relying on Regulation S of the
Securities  Act  of 1933.  However, the Company must prepare and file, within 60
days  of  January 31, 2000, a Registration Statement under the Securities Act of
1933  to  register  200%  of the shares the Debentures are currently convertible
into,  and  all  of the shares underlying the Warrants.  The Company must ensure
that  the  Registration Statement is declared effective within 120 days.  In the
event that the Registration Statement is not filed within 60 days of January 31,
2000  or  declared  effective  within  120 days, the Company will pay damages to
Oxford  of  2% of the principal value of the Debentures outstanding every 30 day

<PAGE>

period,  or  a  pro  rata portion thereof.  If at any time following the 120 day
period  after  the  Closing Date, the market value of the volume of stock trades
less  than  $100,000 in value for 20 consecutive trading days, the Purchaser has
the  right  to  return the unconverted Debentures to the Company at a premium of
30%  of  the principal outstanding.  The Company has not, as of the date of this
Annual  Report,  filed  the  requisite  Registration  Statement.

Pursuant  to  the  Agreement,  the Debentures, the Warrants and the Common Stock
underlying  the  Debentures  and  Warrants have been delivered to Oxford Capital
Corporation, Calgary (the "Escrow Holder").  As security for the Debentures, the
Company  deposited  500,000  shares  of  restricted common stock with the Escrow
Holder,  which  shares  will be released upon conversion of the Debentures or in
the  event  that  the  Company defaults on the Debentures.  In addition and upon
funding,  the  Company  paid 10% of the gross amount of the Debentures to Oxford
Capital  Corporation,  Calgary  (the  "Placement  Agent"), and issued a one year
warrant  to  purchase  50,000  shares  of  Common  Stock  at  US$5.00 per share.

Current  Business  of  the  Company

The  Company's  goal  is to use the Website to disseminate information available
over  the  internet  to  service  the  growing  need for a centralized source of
information  and services for the rapidly increasing number of online investors,
brokers,  and  investment  students.  Unlike  many of its competitors, who first
build a website and then attempt to drive traffic to it, the Company has already
created  an online investment-related community called Talk-Stock.com, currently
located  at  www.talk-stock.com (the "Talk Stock Website").  The Website and the
Talk  Stock  Website  are  collectively  referred  to  as  the  "Websites".  The
Company's  target  market  includes  individual  investors of all sophistication
levels, professional investors such as brokers, analysts and money managers, and
general  online  enthusiasts  looking  for investment information, education and
professional  financial  services.

The  Company  intends  to  provide  an  easily  navigable,  consumer  friendly,
vertically  integrated  destination website offering a wide variety of financial
products  and  services,  including:

-     extensive  investor  education;
-     unbiased  streaming  news;
-     full  service  investment  support, on-line trading, estate planning, life
insurance  and  mortgage  banking;  and
-     commentary  on-line  radio.

Another  area of growth among Web use is the online community, which has brought
users  together  to  communicate  with  one another and share information.  This
particular  Web  medium has personalized the Internet for its users.  To date, a
typical  internet  user's  experience has been essentially one-way searching and
viewing  websites containing professionally created content on topics of general
interest,  such as current events, sports, finance, politics and weather.  While
internet  search  and  navigational sites have improved users' abilities to seek
out aggregated Web content, these sites are not primarily focused on providing a
platform  for  publishing  the rapidly increasing volume of personalized content
created by users with similar interests, or enabling such users to interact with
one  another.   In  contrast,  the  Company,  through the Websites can offer its
users  aggregated  Web content aimed directly at their needs, such as investment
information  and  financial  services.

Products  &  Services

News  Media  Communications
---------------------------

The  Company intends to provide unbiased news and information in a user-friendly
environment  which  is available 24 hours a day.  Original content is planned to
bring  both  topical and educational materials to all subscribers.  In addition,
the  Company  will  provide  public  relations  activities on behalf of publicly
traded  companies.  The  Company,  through  the Talk Stock Website will host and
profile  companies  actively  trading  on the NYSE, AMEX, NASDAQ, as well as the
OTC:BB.  The  Company,  through  the  Websites,  intends  to  provide:

-     hosting  and  profiling  of  public  companies,  paid  on a monthly basis;

<PAGE>

-     online  radio  services  paid  for  on  a  lump  sum  and  monthly  basis;
-     hosting of annual meeting, global audience, live streaming audio or video;
-     banner  advertisements;
-     attendance  fees  for  Conference  Rooms;  and
-     original,  topical  financial  and  success  site  content

Trading  Offices/Systems  &  On  Line  Financial  Services
----------------------------------------------------------

Through  TradeFast,  the  Company  intends  to  pursue  the  trading  markets.
Management  plans  to  market  its  services  and  desires  to have members open
accounts  and  utilize  its competitive on line discount brokerage firm.   There
are  currently  two  TradeFast trading offices; up to seven more trading offices
are  currently  planned.

Once  an account is open and a client is cleared for trading, he or she can come
into one of the Company's day-trading offices during market hours and trade live
utilizing TradeFast's licensed software system, TradeCast, which provides NASDAQ
Level  II  service.  Unlike traditional online brokerage trades where a trade is
placed,  enters  "cyberspace"  and confirmation is later received, at TradeFast,
clients can actually see the trade go directly to the market maker or specialist
and  get executed.  Screens in the offices display trading ideas through pre-set
parameters,  such  as  those  stocks  that have made new highs or lows since the
previous  day's  close,  those  having record volume, or those hitting a certain
number  of  consecutive  buy  orders  (momentum  plays).

The  Company  is  contemplating the integration of TradeFast into the Website by
branding  the  entire  day-trading  operation  as  the  "Financial  Depot  Trade
Station".  Management's  plans  include  strategically  locating  the "Financial
Depot  Trade  Stations" in locations with heavy business traffic and visibility.
A  model location for the "Financial Depot Trade Stations has been selected, and
services  available  inside the a Trade Station may include a cafe, ATM machine,
travel services, insurance services, mortgage banking services, state of the art
trading  stations  and  discount  brokerage  and commodities desks.  The Company
anticipates  that  this union of services and visibility will attract customers,
as well as provide a destination for the professional traders to work daily in a
convenient  and  energetic  atmosphere,  in  addition  to  allowing professional
traders the opportunity to share their strategies and ideas with fellow traders.
Management anticipates that the Trade Stations will draw new traders, as well as
traders  that  are  currently  working  independently  from  their  homes.

In  the  TradeFast  offices,  Trade  Station  banners  and  screen shots will be
prominently  displayed.  On  Talk-Stock  and  other  departments  of  the
e-FinancialDepot.com  financial  portal,  Trade  Station  will  be  prominently
displayed  with  banners  and buttons. The Company is also going to feature live
newswire  service  during  market  hours  to  attract  traders  and maintain the
"stickiness"  of  the  e-FinancialDepot.com site.  It is expected that this live
news  service  will  attract  quality  traffic  to  the site, thereby increasing
advertising  rates  and  expanding  e-commerce  opportunities.

TradeFast  will provide the management holding company for e-FinancialDepot.com.
The  plan  is  to  offer  online  brokerage,  traditional brokerage services and
fee-based  investment  advice.  To  summarize,  the  Company  will  provide:

-     online  and  traditional  brokerage;

-     fee-based  investment  advisory  services;  and

-     financial  planning,  including tax planning and tax advantaged investing.

 Specialty  Financial  Services

<PAGE>

The  Company  intends  to  provide  the  following specialty financial services:

-     mortgage  banking;
-     real  estate  services;
-     insurance  sales  and  services;
-     tax  preparation
-     full  service  securities  broker,  real  estate  agent,  insurance agent,
mortgage  banker  directories;
-     consulting  services,  such as information with respect to securities laws
or  becoming  a  public  company;
-     e-commerce;  and
-     tutorials  and  investment  schools.

Investor  Education

In  addition  to  the above services, the Company intends to provide a series of
investor  education  materials  and  financial  seminars designed to educate the
public  on  investment  topics,  such  as  learning about the markets, equities,
bonds,  mutual  funds,  and  the  capital  markets  in  general.  In addition to
providing  education,  the  Company  will  offer  educational  programs for both
professional and others with general interest in learning more about finance and
financial  markets.

Intellectual  Property

The  Company  intends to apply for trademark protection in the United States but
as  yet  has not commenced the application process.  The Company has secured the
registration  of  the  domain  names  "www.efinancialdepot.com"  and
"www.talk-stock.com"  with  Network  Solutions,  Inc.  (Internet).

Intellectual  Property  Protection

The  Company  relies  on  a combination of copyright, trade secret and trademark
laws  and  software  security  measures,  along  with  employee  and third-party
nondisclosure  agreements, to protect its intellectual property rights, products
and  technology.  Despite  its  precautions  taken  to  protect its intellectual
property, unauthorized parties may attempt to copy or obtain and use information
the  Company  regards  as  proprietary.  Policing  unauthorized  use  of  its
proprietary  information  is  difficult  and software piracy is expected to be a
persistent  problem.  Additionally,  the  laws  of some foreign countries do not
protect  the  Company's  proprietary rights to the same extent as do the laws of
the  United  States.

The  Company  is  not  aware  that  its  trademarks, or other proprietary rights
infringe  the  proprietary rights of third parties.  However, from time to time,
the  Company  may  receive notices from third parties asserting that the Company
has  infringed their patents or other intellectual property rights. In addition,
the  Company  may  initiate  claims  or  litigation  against  third  parties for
infringement  of  its  proprietary  rights  or  to establish the validity of its
proprietary  rights.  Any  such claims could be time-consuming, result in costly
litigation,  cause  product  shipment  delays  or lead the Company to enter into
royalty or licensing agreements rather than disputing the merits of such claims.
Any  such  claims, with or without merit, can be time consuming and expensive to
defend.  An  adverse  outcome in litigation or similar proceedings could subject
us  to  significant  liabilities  to  third  parties,  require  expenditure  of
significant  resources  to  develop  non-infringing technology, require disputed
rights to be licensed from others, or require the Company to cease the marketing
or use of certain information, any of which could have a material adverse effect
on  its  business,  operating results and financial condition. See "Factors That
May  Affect  Future  Results" in "Item 6 - Management Discussion and Analysis or
Plan  of  Operation".

<PAGE>

Employees

As  of  March  31, 2000, the Company had 4 full-time employees at its offices in
Vancouver,  British  Columbia,  Canada and 15 employees at its office in Century
City,  California.

The Company believes its future success depends in large part upon the continued
service  of its key technical and senior management personnel and its ability to
attract  and  retain  highly  qualified  technical  and  managerial  personnel.
Competition  for  such  personnel is intense, as certain of these personnel have
significant  prior industry experience and are in great demand.  There can be no
assurance  that  the  Company  will  be  able  to  retain  its key technical and
managerial  employees  or that it can attract, assimilate or retain other highly
qualified  technical  and  managerial  personnel  in  the  future.  None  of the
Company's  employees  are  subject  to  any  collective  bargaining  agreements.

Competition

The  Company developed a proprietary information system consisting of integrated
web  pages targeting the investment community and featuring an online investment
related  community  called  through  the  Talk  Stock  Website.

The  Company's  main  competitors  (other comparably-sized companies that market
stock  and  investment  information  over  the  internet)  include:

-     W3OTC  Inc.,  which provides an editorial on emerging growth companies and
targets  small-cap  communities  for  the  average  investor;

-     Regent  Group  Inc.,  which  through  its  websites  (StockSiren.com,
StockSheet.com  and  StockTarget.com)  delivers  financial,  economic  and other
information  to  individual  and  institutional  investors;

-     Internet  Stock  Market  Resources,  Inc.,  which  operates  an  online
information  service  providing  information  on  publicly traded companies; and

-     Financial  Commerce  Network,  Inc.,  a  company  which  provides internet
investment  research and website design services.  Its website provides links to
sites  containing  information  on  financial markets, market sectors and public
companies,  as  well  as  providing  live  market  data.

The  Internet  contains  a  myriad  of websites that provide similar services to
those  provided  by the Company, but no single website has emerged as the market
leader  to  date.

The  online  commerce  market,  particularly  over the Internet, is new, rapidly
evolving and intensely competitive, and the Company expects that the competition
intensify  in  the  future.  Barriers  to entry are minimal, and current and new
competitors  can  launch  new  websites  at  a  relatively  low  cost.

The  Company  believes  that the principal competitive factors in its market are
brand  recognition,  selection,  personalized  services,  convenience,  price,
accessibility,  customer  service, quality of search tools, quality of editorial
and  other  site  content  and reliability and speed of fulfilment.  Many of the
Company's  potential  competitors  may  have  longer operating histories, larger
customer  bases,  greater brand recognition and significantly greater financial,
marketing  and  other  resources  than  the  Company.

In  addition, companies who provide information via the internet may be acquired
by,  receive  investments from or enter into other commercial relationships with
larger,  well established and well-financed companies as use of the Internet and
other  online  services  increases.  Increased competition may result in reduced
operating  margins,  loss  of  market  share  and  a  diminished  demand for the
Websites.

There  can be no assurance that the Company will be able to compete successfully
against  current  and future competitors, and competitive pressures faced by the
Company  may  have  a  materially  adverse  effect  on  the  Company's business,
prospects,  financial  condition  and  results  of  operations.  Further,  as  a
strategic  response  to  changes in the competitive environment, the Company may

<PAGE>

from  time  to  time  make  certain  pricing,  service or marketing decisions or
acquisitions  that  could  have  a  material  adverse  effect  on  its business,
prospects, financial condition and results of operations.  See "Factors That May
Affect  Future  Results" in "Item 6 - Management Discussion and Analysis or Plan
of  Operation".

ITEM  2.     DESCRIPTION  OF  PROPERTY.

Vancouver,  British  Columbia  Property

The  Company co-leases 2,096 square feet of office space at 1005-750 West Pender
Street, Vancouver, British Columbia, Canada V6C 2T8 at an annual rate of $18,744
($1,562 per month), which figure includes operating expenses.  The lease expires
in  January,  2003.

Century  City,  CA  Property

The  Company  leases 3,279 square feet of office space at 1875/1925 Century Park
East  at  an  annual rate of $76,380 ($6,365 per month).  The lease is for a one
year  term  ending  August  31,  2000.

ITEM  3.     LEGAL  PROCEEDINGS.

The  Company  knows  of no material, active or pending legal proceedings against
it,  nor  is  the Company involved as a plaintiff in any material proceedings or
pending  litigation.  There are no proceedings in which any director, officer or
affiliate  of  the  Company,  or  any registered or beneficial shareholder is an
adverse  party  or  has  a  material  interest  adverse  to  the  Company.

ITEM  4.     SUBMISSIONS  OF  MATTERS  TO  A  VOTE  OF  SECURITY  HOLDERS.

At a special meeting on November 2, 1999, the Company's stockholders unanimously
approved,  through  written  consent,  to  amend  the  Company's  certificate of
incorporation  to:

     (i)     increase  the  capital  stock to 110,000,000 shares from 30,000,000
shares,  and  included an increase of the authorized shares of common stock, par
value  $0.001  per  share,  to  100,000,000  shares  from 20,000,000 shares; and

     (ii)     change  the  name  of  the  Company to e-financial depot.com, Inc.
With  respect  to both the proposal to increase the authorized capital stock and
to  change  the  Company's  name,  2,750,000  affirmative  votes  were cast.  No
negative  votes  were cast in respect of either proposal.  No other matters were
submitted  to  a  vote  of  the  stockholders.

                                     PART II

ITEM  5.     MARKET  FOR  COMMON  EQUITY  AND  RELATED  STOCKHOLDER  MATTERS.

The  Company's  common  shares  trade  in  the  United  States  on  the National
Association  of  Securities  Dealers  Over-the-Counter  Bulletin Board (the "OTC
Bulletin  Board")  under  the  symbol  "FDPO"  and  CUSIP#  282246-10-7.

The  table  set  forth  below  lists  the volume of trading and high and low bid
prices  on the OTC Bulletin Board for the Company's common shares since November
5,  1999  (1).  The  closing  price  on  March  31,  2000  was  $5.563.

QUARTER  ENDED                       VOLUME     HIGH       LOW
Period  ended  April  12,  2000     57,000     $6.25     $4.875
March  31,  2000                    351,100    $7.00     $4.37
December  31,  1999                  98,600    $6.75     $5.25
===================                  ======    =====     =====
(1)     The  quotations  above  reflect  inter-dealer  prices,  without  retail
mark-up,  mark-down  or  commission  and  may not represent actual transactions.
The  Company's  common  shares  are  issued in registered form.  Nevada Agency &
Trust  Co.,  50  West  Liberty Street, Suite 880, Reno, Nevada (telephone: (775)
322-0626,  facsimile  (775) 3225623) is the registrar and transfer agent for the
Company's  common  shares.

<PAGE>

On March 31, 2000, the shareholders' list for the Company's common shares showed
31  registered  shareholders  and  13,010,000  common  shares  outstanding.

The  Company  has  not  declared  any dividends since incorporation and does not
anticipate  that it will do so in the foreseeable future.  Although there are no
restrictions  that  limit  the  ability to pay dividends on the Company's common
shares, the intention of the Company is to retain future earnings for use in its
operations  and  the  expansion  of  its  business.

Recent  Sales  of  Unregistered  Securities

Under  the  terms of the Share Purchase Agreement, the Company issued a total of
4,000,000  common  shares  at  a  deemed  price  of $4.50 (subject to adjustment
pursuant  to  the Share Purchase Agreement) to the sole shareholder of TradeFast
for  an  aggregate  value  of  $18,000,000,  relying  on  the exemption from the
registration  requirements  of  the  Securities  Act of 1933 provided by section
4(2).  As a result of TradeFast's achievement of profits in excess of $3,000,000
in  the  preceding twelve-month period, none of the shares issued are subject to
the escrow or cancellation terms of the earlier agreement in principle governing
the  purchase.

As  reported in the Company's Form 8-K filed on September 20, 1999, and pursuant
to  the  Share  Exchange  Agreement  between the Company and Talk Stock With Me,
Inc.,  the Company issued 2,000,000 common shares at a deemed price of $0.121127
to  the  shareholders  of  Talk  Stock  With  Me, Inc. for an aggregate value of
$242,254.

In addition, subsequent to the date of the financial statements attached to this
Annual  Report,  the  Company  issued the Debentures through a private placement
with  Oxford,  which  yielded  $2,225,000,  net  of estimated offering costs and
placement fees of $275,000.  The Debentures pay the holders 6%, payable annually
redeemable  at the option of the Company after one year of issuance and once the
average  daily  closing  price of the Company's common stock is $10.00 per share
for  twenty  (20)  consecutive  trading days.  The Debentures are convertible at
the  option of the holder of such debenture at any time after March 2, 2000 at a
price  per share equal to the lesser of (i) 80% of the average closing bid price
of  the  Company's  common stock for five days proceeding the date of conversion
notice  is  tendered, or (ii) five ($5.00) dollars per share.  In no event shall
the  conversion  price  be  lower  than  $3.00  per share (see Item 1:  Business
Development  of  the  Company  Over  the  Past  Three  Years).

ITEM  6.     MANAGEMENT'S  DISCUSSIONS  AND  ANALYSIS  OR  PLAN  OF  OPERATION.

The  following  is  a  discussion  of  the  financial  condition  and results of
operations  of  the  Company.  This  discussion  and  analysis should be read in
conjunction  with  the accompanying audited Consolidated Financial Statements of
the  Company,  including  the Notes thereto which are included elsewhere in this
Form  10-KSB.

GENERAL

On  September  20,  1999,  RJI Ventures, Inc., formerly Talk Stock With Me, Inc.
("RJI")  completed a merger with Ballynagee Acquisition Corp. ("Ballynagee"), in
a  transaction accounted for using the purchase method of accounting. Subsequent

<PAGE>

to  the  merger,  Ballynagee  was re-named e-financial depot.com, Inc.  From its
inception,  Ballynagee was an inactive corporation with no significant assets or
operations.  Accordingly,  the following is management's discussion and analysis
of the Company's financial condition, changes in financial condition and results
of  operations.

The  Company  is  an  internet  financial  portal,  offering  a full spectrum of
financial services and investment information on the World Wide Web. The Company
is  developing  a  proprietary  information  system  consisting  of  integrated
financial web pages and featuring an online investment-related community through
Talk-stock.com.

REVENUE

For the year ended December 31, 1999, revenue from continuing operations , which
are comprised exclusively of client fee income, was $ 1,197,813.  Total revenues
from  continuing  operations  increased by $ 1,124,813, or 1,541%, from $ 73,000
for  the period ended  December 31, 1998.  The Company reported  net income from
continuing  operations in 1999 of $63,385 compared to  net income of $ 45,022 in
1998.  The  Company  began  operating and recognizing revenues in October, 1998.
Accordingly,  the  1998  revenues  represent a period less than three months and
1999  represents  a  full  year's  activity.

COSTS  AND  EXPENSES

The  Company's  expenses  from  operations  for the year ended December 31, 1999
increased  $1,007,602  or  4,849%  to  $1,026,875  from $ 19,273 during the same
period  in  1998.  Selling,  general  and  administrative  expenses  increased
$1,004,582,  or  4,953.8%  to  $  1,023,355  in  1999 from $ 18,773 in 1998. The
increase  was  due  to  the  Company incurring start up costs in connection with
establishing  its  world wide web information site, increase in personnel costs,
and  an increase in the allowance for uncollectible accounts.  Due to the change
in  focus  of  the Company in October 1999,  the Company's new management did an
in-depth  analysis  of  the  accounts  receivable of Talk-Stock and consequently
$238,770 of receivables were written off during the year and a further $ 358,310
was set up as an allowance for uncollectible accounts.  The Company will further
analyze  the  accounts  during the first quarter ended March 31, 2000 to decided
whether  any  amounts  should  be  written  off.

In  addition,  the  Company began operating and recognizing expenses in October,
1998.  Accordingly,  the 1998 expenses represent a period less than three months
and  1999  represents  a  full  year's  activity.

Depreciation  and  amortization  expense  for  1999 was $3,520, an increase of $
3,020  from  $500  in  1998.  The  Company  began  operating  October,  1998 and
accordingly,  1998  represents  less than eight  months of depreciation expense.

The Company recognized a net loss from the sale of securities available for sale
in  1999 in the amount of $32,203 as compared to a net gain of $625 in 1998. The
Company  periodically receives securities from clients in exchange for services.
It  is  the  Company's policy to liquidate the securities when it is in the best
interest  of  the  Company. The loss in 1998 represents management's decision to
liquidate  securities  in  order  to  improve  the  Company's  liquidity  and
accordingly,  management  from  time  to  time  will  incur  losses.

The  Company's  provision  for taxes in 1999 was $75,350, an increase of $66,020
from  $9,330  for  the  period ended December 31, 1998. The increase is a of the
increase  of net income before taxes of $ 84,383 to $138,735 in 1999 as compared
to  $54,352  in 1998. The Company began operating October, 1998 and accordingly,
1998  represents  less  than  eight  months  of  net  income  before  taxes.

LIQUIDITY  AND  CAPITAL  RESOURCES

As  of December 31, 1999, the Company had a working capital of $100,352 compared
to  $  36,844  at December 31, 1998, an increase in working capital of $ 63,508.
The  increase in working capital was substantially due to the increase in client
accounts  receivable  and  marketable securities on hand at December 31, 1999 as
compared  to  1998.

<PAGE>

The  Company  used  cash  flow  from  operations of $ 264,988 for the year ended
December  31,  1999 and $ 32,759 for the period ended December 31, 1998. The use
of  cash  flow from operating activities for the year ended December 31, 1999 is
primarily attributable to the Company's $460,420 increase in accounts receivable
and the unrealized loss of $337,739 on securities available for sale. The use of
cash  flow  from  operating  activities  for the year ended December 31, 1998 is
primarily  attributable to the Company's $17,500 increase in accounts receivable
and  the  unrealized  loss  of  $33,000  on  securities  available  for  sale.

Cash  flows  provided in investing activities was $267,939 during the year ended
December  31,  1999 and net cash used for the period ended December 31, 1998 was
12,447.  During  the  1999  the  Company  recognized  proceeds  from the sale of
securities in the amount of $275,401. During 1998, the Company invested $ 27,713
in  new  office equipment and computers at its Los Angeles, California location.

Cash  flow  provided  in  financing activities was $ 2,472 during the year ended
December  31, 1999 and cash flows generated from financing activities during the
year  ended December 31, 1998 was $ 26,748. The principal source of financing in
1999  was  the  receipt  of additional advances from a non-interest-bearing loan
from  an  entity related to the Company's significant shareholder. The principal
source  of financing generated in 1998 were loans from the related entity in the
amount  of  $  27,224  and the $1,000 of proceeds from the sale of the Company's
common  stock.

While  the  Company has raised capital to meet its working capital requirements,
additional financing is required in order to complete the acquisition of related
businesses.  The  Company is seeking financing in the form of equity and debt in
order  to provide for these  acquisitions and for working capital.  There are no
assurances  the  Company  will  be  successful  in  raising  the funds required.

The  Company  has borrowed funds from an entity related to a significant Company
shareholder  of  the  Company  in  the  past  to  satisfy  certain  obligations.

Subsequent  to  the  date  of  the  financial statements, the Company issued a $
2,500,000  convertible  debenture  due  in  February,  2003  through  a  private
placement  yielding   $2,225,000,  net of estimated offering costs and placement
fees of $275,000. The debenture pays the holders 6%, payable annually redeemable
at  the  option  of  the Company after one year of issuance and once the average
daily  closing  price  of  the  Company's  common  stock is $10.00 per share for
twenty  (20)  consecutive  trading  days.  The  convertible  debenture  is  in
convertible  at  the  option  of  the holder of such debenture at any time after
March 2, 2000 at a price per share equal to the lesser of (i) 80% of the average
closing  bid  price  of  the Company's common stock for five days proceeding the
date  of  conversion notice is tendered, or (ii) five ($5.00) dollars per share.
In  no  event  shall  the  conversion  price  be  lower  than  $3.00  per share.

NEW  ACCOUNTING  PRONOUNCEMENTS

The  Company  adopted  Statement  of  Financial  Accounting  Standards  No. 131,
Disclosures about Segments of an Enterprise and Related Information ("SFAS 131")
in  the  year ended December 31, 1998.  SFAS establishes standards for reporting
information  regarding  operating  segments  in  annual financial statements and
requires  selected  information  for  those  segments to be presented in interim
financial  reports  issued to stockholders.  SFAS 131 also establishes standards
for  related  disclosures  about  products  and  services  and geographic areas.
Operating  segments  are  identified  as components of an enterprise about which
separate discrete financial information is available for evaluation by the chief
operating  decision  maker, or decision making group, in making decisions how to
allocate  resources  and  assess  performance.  The information disclosed herein
materially  represents all of the financial information related to the Company's
principal  operating  segment.

The  Company  adopted  Statement  of  Financial  Accounting  Standards  No. 132,
Employers'  Disclosures  about Pension and Other  Post Employment Benefits (SFAS
132"),  in  the  year  ended  December  31,  1999.  SFAS 132   specifies amended
disclosure requirements regarding such obligations. SFAS No. 132 does not effect
the  Company  as  of  December  31,  1999.

In  March  1998,  Statement of Position No. 98-1 was issued, which specifies the
appropriate  accounting  for  costs  incurred   to  develop  or  obtain computer
software  for  internal  use.  The  new pronouncement provides guidance on which
costs  should  be  capitalized,  and  over  what  period  such  costs  should be
amortized  and  what  disclosures  should  be  made  regarding such  costs. This

<PAGE>

pronouncement  is effective for fiscal years  beginning after December 15, 1998,
but  earlier application is acceptable. Previously capitalized costs will not be
adjusted.  The  Company  believes  that  it is already in substantial compliance
with  the  accounting  requirements  as set forth in this new pronouncement, and
therefore  believes  that  adoption will not have a material effect on financial
condition  or  operating  results.

In  April  1998,  Statement of Position No. 98-5 was issued which  requires that
companies  write-off  defined  previously  capitalized  start-up costs including
organization  costs  and  expense future start-up costs as incurred. Adoption of
this  statement  does  not  have  an  effect on financial condition or operating
results.

In  June  1998,  the  Financial  Accounting  Standards Board issued Statement of
Financial  Accounting  Standard  No. 133, Accounting for Derivative  Instruments
and  for  Hedging Activities, ("SFAS No. 133"). This new  pronouncement requires
that  certain  derivative  instruments  be  recognized in balance sheets at fair
value  and for changes in  fair value to be recognized in operations. Additional
guidance  is  also  provided  to  determine  when hedge  accounting treatment is
appropriate  whereby  hedging  gains  and  losses are offset by losses and gains
related  directly  to  the  hedged item. While the standard, as amended, must be
adopted  in  the  fiscal year beginning after June 15, 2000, its impact   on the
Company's  consolidated  financial statements is not  expected to be material as
the  Company  has  not  historically  used  derivative  and  hedge  instruments.

FORWARD  LOOKING  STATEMENTS

When  included  in  this  Annual  Report  on  Form  10-KSB, the words "expects,"
"intends,"  "plans,"  "projects,"  and  "estimates,"  and  analogous  or similar
expressions  are  intended  to  identify  forward-looking  statements.  Such
statements,  which include statements contained in Item 6 and Item 1 hereof, are
inherently  subject  to  a  variety  of risks and uncertainties that could cause
actual results to differ materially from those reflected in such forward-looking
statements.  These  forward-looking statements speak only as of the date of this
Annual Report on Form 10-KSB.  The Company expressly disclaims any obligation or
undertaking  to release publicly any updates or revisions to any forward-looking
statement  contained  herein to reflect any change in the Company's expectations
with  regard  thereto  or  any  change in events, conditions or circumstances on
which  any  such  statement  is  based.

FACTORS  THAT  MAY  AFFECT  FUTURE  RESULTS

Penny  Stock  Rules

The Company's common shares are subject to rules promulgated by the SEC relating
to  "penny  stocks,"  which  apply to companies whose shares are not traded on a
national  stock  exchange  or on the NASDAQ system, trade at less than $5.00 per
share,  or who do not meet certain other financial requirements specified by the
SEC.  These  rules require brokers who sell "penny stocks" to persons other than
established  customers  and  "accredited  investors"  to  complete  certain
documentation,  make  suitability  inquiries of investors, and provide investors
with  certain  information  concerning  the  risks  of trading in the such penny
stocks.  These  rules  may discourage or restrict the ability of brokers to sell
the  Company's  common  shares  and  may  affect  the  secondary  market for the
Company's  common shares. These rules could also hamper the Company's ability to
raise  funds  in  the  primary  market  for  the  Company's  common  shares.

Limited  Operating  History

The  Company  recently  initiated  the  Website,  and as a result, it only has a
limited  operating history.  The Company's prospects must be considered in light
of the risks, uncertainties, expenses and difficulties frequently encountered by
companies  in  their  early stages of development, particularly companies in new
and  rapidly  evolving markets like the one faced by the Company.  Some of these
risks  and uncertainties relate to the Company's ability to attract and maintain
a  large  base  of  users, develop and introduce desirable services and original
content  to  users,  establish  and  maintain relationships with advertisers and
advertising  agencies,  respond  effectively  to  competitive  and technological
developments,  and  build  an  infrastructure to support the Company's business.
The  Company cannot be sure that it will be successful in addressing these risks
and  uncertainties and its failure to do so could have a material adverse effect
on  its  financial  condition.

<PAGE>

Uncertainty  of  and  Inability  to  Generate  Significant  Revenues

The  Company's  ability  to  generate  significant  revenues  is uncertain.  The
Company's  short  and  long-term  prospects  depend  upon  it  ability  to:

-     develop  a  base  of  users  of  the  Websites;

-     facilitate  transactions  of  businesses listing products and services for
sale  on  the  Websites;

-     develop  and  operate  the  Websites;

-     develop  a base of businesses who will pay to advertise their products and
services  on  the  Websites;  and

-     develop  a base of users and businesses who will pay to use banner ads and
page  sponsorships  on  the  Websites.

The  Company  has  projected  that a significant portion of its revenues will be
generated  from  such  relationships and activities.  Accordingly, the Company's
success is highly dependent on such relationships and activities and the Company
may  never  generate  significant  revenues  if  it  does  not  establish  such
relationships  and  activities.  As its business evolves, the Company expects to
introduce  a  number of new products and services.  With respect to both current
and  future  product and service offerings, the Company expects to significantly
increase  its marketing and operating expenses in an effort to increase its user
base,  enhance  the  image  of  the Websites and support its infrastructure.  In
order  for  the  Company  to  make  a profit, its revenues will need to increase
significantly  to  cover  these  and  other  future  costs.  Even  if it becomes
profitable,  the  Company may not sustain or increase its profits on a quarterly
or  annual  basis  in  the  future.

Need  for  Additional  Financing

Based  on  its  current  operating  plan,  the  Company anticipates that it will
require  additional  financing  of approximately $10,000,000 by June 30, 2000 in
order  to  finance  increased  promotion  and  marketing  of the Websites and to
complete  anticipated  acquisitions.  The  Company  may  need additional capital
beginning in July, 2000, or may need to raise additional capital sooner, to fund
more  rapid  expansion,  to  develop  new  or enhanced services or to respond to
competitive  pressures.

The  Company's  ability  to  continue in business depends significantly upon its
continued  ability to obtain financing.  There can be no assurance that any such
financing  would  be  available  upon  terms  and  conditions  acceptable to the
Company,  if  at  all.  The  inability  to  obtain  additional  financing  in  a
sufficient  amount  when  needed  and upon acceptable terms and conditions could
have  a material adverse effect upon the Company.  Although the Company believes
that  it  can  raise  financing  sufficient to meet its immediate needs, it will
require  funds to finance its development, marketing and operating activities in
the  future.  There  can  be  no  assurance that such funds will be available or
available  on terms satisfactory to the Company.  If additional funds are raised
by  issuing  equity  securities,  further  dilution  to  existing  or  future
stockholders  is  likely  to  result.  If  adequate  funds  are not available on
acceptable  terms  when needed, the Company may be required to delay, scale-back
or eliminate its promotional and marketing campaign, its development programs or
even  its operations until such funds become available.  Inadequate funding also
could  impair  the  Company's  ability  to  compete in the marketplace and could
result  in  its  dissolution.

Unpredictability  of  Future  Revenues

As  a  result of the Company's limited operating history and the emerging nature
of  the  markets  in  which  it  competes,  the  Company is unable to accurately
forecast  its  revenues.  The  Company's  current  and future expense levels are
based  largely  on its investment plans and estimates of future revenues and are
to  a  large  extent  fixed.

<PAGE>

Sales and operating results generally depend on the Company's ability to develop
a  base  of  users  and  businesses  who  will pay to utilize the Websites or to
advertise  their  products  and  services  on  the Websites.  The Company may be
unable  to  adjust  spending in a timely manner to compensate for any unexpected
revenue shortfall.  Accordingly, any significant shortfall in estimated revenues
in  relation  to  the  Company's  planned  expenditures  would have an immediate
adverse  effect  on  the  Company's business, prospects, financial condition and
results  of  operations.

Further,  as a strategic response to changes in the competitive environment, the
Company  may  from  time  to  time  make  certain  pricing, service or marketing
decisions  that  could  have  a  materially  adverse  effect on its business and
financial  condition  and  results  of  operations.

Potential  Fluctuations  in  Quarterly  Operating  Results

The  Company  expects  to  experience  significant  fluctuations  in  its future
quarterly  operating  results  due  to  a  variety of factors, many of which are
outside  the Company's control.  Factors that may adversely affect the Company's
quarterly  operating  results  include  but  are  not  limited  to:

-     the  Company's  ability  to retain existing users of the Websites, attract
new  users  at  a  steady  rate  and  maintain  user  satisfaction;

-     the  Company's  ability  to develop a base of businesses willing to pay to
advertise  their  products  and  services  on  the  Websites;

-     the  Company's  ability to develop a base of businesses willing to utilize
the  Websites  to  conduct  transactions;

-     the  announcement  or  introduction  of  new  services and products by the
Company  and  its  competitors;

-     the  continued  use  of  the  Internet  and online services and increasing
consumer  acceptance  of the Internet and other online services for the purchase
of  consumer  products  and  services  such  as  those  offered  by the Company;

-     the  Company's  ability  to  upgrade  and  develop  its  systems  and
infrastructure  in  connection  with  the Website and attract new personnel in a
timely  and  effective  manner;

-     the  level  of  traffic  on  the  Websites;

-     technical  difficulties,  system  downtime  or  Internet  outages;

-     the amount and timing of operating costs and capital expenditures relating
to  expansion  of  the  Company's  business,  operations  and  infrastructure;

-     governmental  regulation;

-     general  economic  conditions;  and

-     economic  conditions  specific  to  the  Internet  and  online  commerce.

Seasonality

The  Company  expects  that  it  will  experience  seasonality  in its business,
reflecting  a  combination  of  seasonal  fluctuations  in  Internet  usage  and
traditional  retail  seasonality patterns.  Due to the foregoing factors, one or
more  future  quarters  the  Company's  operating  results  may  fall  below the
expectations of securities analysts and investors.  In such event, the financial
performance  of  the  Company  would  likely  be  materially adversely affected.

<PAGE>

Capacity  Constraints

A  key element of the Company's strategy is to generate a high volume of traffic
on,  and  use  of,  the  Websites.  Accordingly,  the  satisfactory performance,
reliability and availability of the Websites, transaction processing systems and
network  infrastructure are critical to the Company's reputation and its ability
to  attract  and  retain  users  and  maintain  adequate  user  service  levels.

The  Company's  revenues  depend  on  the number of users who visit and purchase
goods and services through the Websites and the number of businesses who utilize
the  Websites  to  advertise  and  sell their products and services.  Any system
interruptions that result in the unavailability of the Websites or reduced order
fulfilment  performance  would  reduce  the  volume  of  goods  sold  and  the
attractiveness  of  the  Company's  product  and  service  offerings.

Any  substantial increase in the volume of traffic on the Websites or the number
of  businesses  utilizing  the  Websites  will require the Company to expand and
upgrade  further  its  technology,  transaction-processing  systems  and network
infrastructure.  There  can  be  no  assurance  that the Company will be able to
accurately  project  the  rate or timing of increases, if any, in the use of the
Websites  or  timely  expand  and  upgrade  its  systems  and  infrastructure to
accommodate  such  increases.

Marketing

The  Company  has  not  incurred  significant  advertising,  sales and marketing
expenses  to  date.  To increase awareness for the Websites, the Company expects
to  spend  significantly more on advertising, sales and marketing in the future.
If  the  Company's  marketing  strategy  is  unsuccessful, it may not be able to
recover  these  expenses  or  even  generate  any revenues.  The Company will be
required  to  develop  a  marketing  and  sales  campaign  that will effectively
demonstrate the advantages of the Websites, services and products.  To date, the
Company's  experience  with  respect  to marketing the Websites is very limited.
The  Company may also elect to enter into agreements or relationships with third
parties  regarding  the promotion or marketing of the Websites, and the products
and services available through the Websites.  There can be no assurance that the
Company  will  be  able  to establish adequate sales and marketing capabilities,
that  it  will  be able to enter into marketing agreements or relationships with
third  parties  on  financially acceptable terms, or that any third parties with
whom  it  enters  into  such  arrangements  will  be successful in marketing and
promoting  the  Websites, and the products and services offered on the Websites.

Dependence  on  Continued  Growth  of  Online  Commerce

The  Company's future revenues and its ability to generate profits in the future
are  substantially  dependent  upon  the  widespread  acceptance  and use of the
Internet  and  other  online  services  as an effective medium of commerce.  The
rapid  growth  surrounding  the  Internet  and  online  services  is  a  recent
phenomenon.

There  can be no assurance that acceptance and use of the Internet will continue
to  develop  or that a sufficiently broad base of consumers will continue to use
the  Internet  and  other  online  services as a medium of commerce.  Demand and
market  acceptance  for  recently  introduced  services  and  products  over the
Internet  are  subject  to a high level of uncertainty and relatively few proven
services  and  products  exist.

The  Company relies on consumers who have historically used traditional means of
commerce  to  purchase  merchandise.  For  the  Company  to be successful, these
consumers  must  accept  and  utilize  novel  ways  of  conducting  business and
exchanging information.  In addition, the Internet and other online services may
not  be  accepted  as  viable  commercial  marketplaces for a number of reasons,
including  potentially  inadequate  development  of  the  necessary  network
infrastructure  or  delayed development of enabling technologies and performance
improvements.

In  addition,  the  Internet or other online services could lose their viability
due  to  delays  in  the  development or adoption of new standards and protocols
required  for handling of increased levels of Internet activity.  Another factor
to  consider  is  increased  governmental  regulation.

Changes  in  or  insufficient  availability  of  telecommunications  services to
support  the  Internet  or  other  online  services  also could result in slower
response  times  and  adversely  affect  usage  of the Internet and other online
services  generally  and  the  Company  in  particular.  The Company's business,
prospects,  financial  condition  and  results of operations could be materially
adversely  affected  if:

<PAGE>

-     use of the Internet and other online services does not continue to grow or
grows  more  slowly  than  expected;

-     the  infrastructure  for  the  Internet and other online services does not
effectively  support  growth  that  may  occur;  or

-     the  Internet  and  other  online services do not become viable commercial
marketplaces  for  the  products  and services offered or intended to be offered
through  the  Websites.

Online  Commerce  Security  Risks

A  significant  barrier  to  online  commerce  and  communications is the secure
transmission  of  confidential  information  over  public networks.  The Company
relies  on  encryption and authentication technology licensed from third parties
to  provide  the  security  and  authentication  necessary  to  effect  secure
transmission  of confidential information, such as customer credit card numbers.
There  can  be  no  assurance  that  advances  in  computer  capabilities,  new
discoveries  in  the field of cryptography, or other events or developments will
not  result  in  a compromise or breach of the algorithms used by the Company to
protect  customer  transaction  data.

If  any such compromise of the Company's security were to occur, it could have a
materially  adverse  effect  on  the  Company's reputation, business, prospects,
financial  condition  and  results  of  operations.  A  party  who  is  able  to
circumvent  the  Company's  security  measures  could misappropriate proprietary
information or cause interruptions in the Company's operations.  The Company may
be required to expend significant capital and other resources to protect against
such  security  breaches  or  to  alleviate  problems  caused  by such breaches.

Concerns  over  the  security of the Internet and other online transactions, and
the  privacy  of  users  may  also  inhibit the growth of the Internet and other
online services generally, and the Internet in particular, especially as a means
of  conducting  commercial  transactions.  To  the extent that activities of the
Company  or  third-party  contractors  involve  the  storage and transmission of
proprietary  information,  such  as credit card numbers, security breaches could
damage  the  Company's  reputation  and  expose the Company to a risk of loss or
litigation and possible liability.  There can be no assurance that the Company's
security measures will prevent security breaches or that failure to prevent such
security  breaches  will  not  have  a  material adverse effect on the Company's
business,  prospects,  financial  condition  and  results  of  operations.

Reliance  on  Internally  Developed  Systems  &  System  Development  Risks

Wherever possible, the Company will use off-the-shelf products for the Websites,
search engine and substantially all aspects of transaction processing, including
order  management,  cash  and  credit  card  processing,  purchasing,  inventory
management and shipping.  The Company does, however, expect that it will have to
develop  some  custom  software  to  support  its  requirements.  Further,  the
Company's  inability  to:

-     add  additional  software  and  hardware;

-     develop  and  upgrade  further  its  existing  technology  and transaction
processing  systems;

-     network  infrastructure  to accommodate increased traffic on its web site;
and/or

-     increase  sales  volume  through  its  transaction  processing  systems;

may  cause:

-     unanticipated  system  disruptions;

-     slower  response  times;

-     degradation  in  levels  of  customer  service;

<PAGE>

-     impaired  quality  and  speed  of  order  fulfilment;  and

-     delays  in  reporting  accurate  financial  information.

In  addition,  although  the  Company  works  to  prevent unauthorized access to
Company  data, it is impossible to completely eliminate this risk.  There can be
no assurance that the Company will be able to effectively upgrade and expand its
transaction-processing  system  or  to integrate smoothly any newly developed or
purchased  modules  with its existing systems in a timely manner.  Any inability
to  do  so  could  have  a  materially adverse effect on the Company's business,
prospects,  financial  condition  and  results  of  operations.

System  Failure

The  Company's success, in particular its ability to successfully receive orders
and  provide high-quality customer service for its users, largely depends on the
efficient  and  uninterrupted  operation  of  its  computer  and  communications
hardware systems.  The Company's systems and operations are vulnerable to damage
or  interruption  from  fire,  flood,  power  loss,  telecommunications failure,
break-ins,  earthquake  and  similar  events.

The  Company  does  not  presently  have  redundant systems or a formal disaster
recovery  plan  and does not carry sufficient business interruption insurance to
compensate  it for losses that may occur.  Despite the implementation of network
security  measures  by  the  Company,  its  servers  are  vulnerable to computer
viruses,  physical  or electronic break-ins and similar disruptions, which could
lead  to  interruptions,  delays,  loss  of  data or the inability to accept and
fulfil customer orders.  The occurrence of any of the foregoing risks could have
a  materially  adverse  effect  on  the Company's business, prospects, financial
condition  and  results  of  operations.

Rapid  Technological  Change

To  remain  competitive,  the  Company  must continue to enhance and improve the
responsiveness,  functionality  and  features  of the Company's online services.
The  Internet and the online commerce industry are characterized by factors such
as  rapid  technological  change,  changes in user and customer requirements and
preferences,  frequent  new  product  and  service  introductions  embodying new
technologies  and  the emergence of new industry standards and practices.  These
changes  could  render  the  Websites  as  they currently exist, and proprietary
technology  and  systems,  obsolete.

The  Company's  success  will depend, in part, on its ability to license leading
technologies  useful in its business, enhance its existing services, develop new
services  and  technology  to  address the increasingly sophisticated and varied
needs  of  its  prospective customers, and respond to technological advances and
emerging  industry standards and practices on a cost-effective and timely basis.

The  development  of  the  Websites  and  other  proprietary  technology entails
significant  technical  and  business risks.  There can be no assurance that the
Company  will  successfully  use  new  technologies  effectively  or  adapt  the
Websites,  proprietary technology and transaction processing systems to customer
requirements  or  new  emerging  industry  standards.

If  the  Company  is  unable  to  adapt  in a timely manner to technical, legal,
financial  changing  market  conditions  or customer requirements, its business,
prospects,  financial  condition  and  results of operations could be materially
adversely  affected.

Risks  Associated  with  Entry  into  New  Business  Areas

The  Company  may  choose  to expand its operations by improving the Websites or
even  developing  new websites, promoting new or complementary products or sales
formats,  expanding the breadth and dept of products and services offered on the
Websites  or  expanding  its  market  presence  through relationships with third
parties.  In  addition,  the  Company  may  pursue  the  acquisition  of  new or
complementary  businesses,  products or technologies, although it has no present
understandings,  commitments  or  agreements  with  respect  to  any  material
acquisitions  or  investments.  There can be no assurance that the Company would

<PAGE>

be  able  to  expand  its  efforts  and operations in a cost-effective or timely
manner  or  that  any  such  efforts  would  increase overall market acceptance.

Expansion  of  the  Company's  operations  in  this  manner  would  also require
significant  additional  expenses  and  development,  operations  and  editorial
resources  and  may  strain  the Company's management, financial and operational
resources.  The  lack  of  market  acceptance  of  such efforts or the Company's
inability  to  generate  satisfactory  revenues  from  such expanded services or
products  to  offset  their  cost  could  have  a material adverse effect on the
Company's  business,  prospects,  financial condition and results of operations.

Uncertain  Ability  to  Manage  Growth

The  Company's  ability to achieve its planned growth is dependent upon a number
of  factors  including,  but  not  limited  to,  its  ability to hire, train and
assimilate  management  and  other  employees,  the  adequacy  of  the Company's
financial  resources,  the Company's ability to identify and efficiently provide
and  perform  such  new  products  and  services  as the Company's customers may
require  in  the  future and its ability to adapt its own systems to accommodate
its  expanded  operations.  In  addition,  there  can  be  no assurance that the
Company will be able to achieve its planned expansion or that it will be able to
manage  successfully  such  expanded  operations.  Failure to manage anticipated
growth  effectively  and efficiently could have a material adverse effect on the
Company.

Dependence  Upon  Key  Personnel

The  Company's future success depends in large part on the continued services of
its  key  product  development,  technical,  marketing,  sales  and  management
personnel,  and  its  ability to continue to attract, motivate and retain highly
qualified  employees.  Although  the Company's management personnel serve at the
pleasure  of  the  Board  of  Directors,  there  can  be  no assurance that such
arrangements  will  continue  in  the future.  Competition for such employees is
intense,  and  the  process  of  locating key technical, product development and
management  personnel  with the combination of skills and attributes required to
execute  the  Company's  strategy  is  often  lengthy.  Accordingly, the loss of
services  of  key  personnel  or an inability to attract additional personnel as
needed  could  have  a  material adverse effect upon the Company.  The Company's
present  management  do  not receive a salary for their services and there is no
guarantee  that  they  will  continue  to provide their services free of charge.

The  success of the Company is therefore dependent upon its ability to identify,
hire  and  retain additional qualified personnel, for whose services the Company
will  be in competition with other prospective employers, many of which may have
significantly  greater  resources  than  the  Company.  Additionally, demand for
qualified  personnel  conversant  with  certain  technologies is intense and may
outstrip  supply  as  new  and  additional skills are required to keep pace with
evolving  telecommunications  technology.  There  can  be  no assurance that the
Company  will  be  able  to  hire  and,  if so, retain such additional qualified
personnel.  Failure to attract and retain such personnel could have a materially
adverse  effect  upon  the  Company.

Government  Regulation

Although there are few laws and regulations directly applicable to the Internet,
it  is likely that new laws and regulations will be adopted in the United States
and  elsewhere governing issues such as music licensing, broadcast license fees,
copyrights,  privacy,  pricing,  sales  taxes and characteristics and quality of
Internet  services.  It is possible that governments will enact legislation that
may  be  applicable  to  the Company in areas such as content, network security,
encryption  and  the  use of key escrow, data and privacy protection, electronic
authentication  or  "digital"  signatures,  illegal  and harmful content, access
charges  and  retransmission  activities.

The adoption of restrictive laws or regulations could slow Internet growth.  The
application  of  existing laws and regulations governing Internet issues such as
property ownership, libel, defamation, content, taxation and personal privacy is
also  uncertain.  The  majority  of such laws were adopted before the widespread
use  and  commercialization of the Internet and, as a result, do not contemplate
or  address  the  unique  issues  of  the  Internet  and  related  technologies.

<PAGE>

Any  new  law  or  regulation  pertaining to the Internet, or the application or
interpretation  of  existing  laws,  could  decrease  demand for the Website and
services,  increase  its  cost  of doing business or otherwise have a materially
adverse  effect  on  its success and continued operations.  Laws and regulations
may  be  adopted  in  the future that address Internet-related issues, including
online content, user privacy, pricing and quality of products and services.  The
growing  popularity  and  use  of  the  Internet  has  burdened  the  existing
telecommunications  infrastructure  in  many  areas,  as a result of which local
exchange carriers have petitioned the FCC to regulate Internet service providers
in  a  manner  similar  to long distance telephone carriers and to impose access
fees  on  the Internet service providers.  The Company cannot guarantee that the
United  States,  Canada  or  foreign nations will not adopt legislation aimed at
protecting  Internet  users'  privacy.  Any  such  legislation  could negatively
affect  the  Company's  business.  Moreover,  it may take years to determine the
extent  to  which existing laws governing issues like property ownership, libel,
negligence  and  personal  privacy  are  applicable  to  the  Internet.

Liability  for  Website  Information

The  Company  may  be  subjected  to  claims  for negligence, copyright, patent,
trademark,  defamation,  indecency  and other legal theories based on the nature
and content of the materials that it broadcasts.  Such claims have been brought,
and sometimes successfully litigated, against Internet content distributors.  In
addition,  the Company could be exposed to liability with respect to the content
or  unauthorized  duplication  or  broadcast  of  content.  Any  imposition  of
liability  that  is not covered by insurance, is in excess of insurance coverage
or  is  not  covered by an indemnification by a content provider could adversely
affect  our  business.

Market  for  the  Company's  Securities  and Possible Volatility of Share Prices

The trading price of the Company's common shares has been and may continue to be
subject to wide fluctuations.  Trading prices of the common shares may fluctuate
in  response  to  a  number  of  factors, many of which are beyond the Company's
control.  In  addition,  the  stock  market  in  general,  and  the  market  for
Internet-related and technology companies in particular, has experienced extreme
price and volume fluctuations that have often been unrelated or disproportionate
to  the  operating  performance  of  such companies.  The trading prices of many
technology  companies'  stocks are at or near historical highs and reflect price
earnings  ratios  substantially  above  historical  levels.  There  can  be  no
assurance that these trading prices and price earnings ratios will be sustained.
These broad market and industry factors may adversely affect the market price of
the  common  shares,  regardless  of  the  Company's  operating  performance.

In  the past, following periods of volatility in the market price of a company's
securities,  securities class-action litigation has often been instituted.  Such
litigation, if instituted, could result in substantial costs for the Company and
a  diversion  of  management's  attention  and  resources.

Dilution  and  Dividend  Policy

The  grant  and  exercise of warrants of creditors or otherwise or stock options
would  likely  result in a dilution of the value of the Company's common shares.
Moreover,  the  Company  may  seek  authorization  to increase the number of its
authorized  shares  and  to sell additional securities and/or rights to purchase
such  securities at any time in the future.  Dilution of the value of the common
shares  would  likely  result  from  such  sales.

Anti-Takeover  Provisions

At  the  present  time,  the  Company's  Board  of Directors has not adopted any
shareholder  rights  plan  or  any  anti-takeover  provisions  in  its Articles.

ITEM  7.     FINANCIAL  STATEMENTS.

The Company's financial statements are stated in United States Dollars (US$) and
are  prepared  in  accordance  with  United States Generally Accepted Accounting
Principles.

<PAGE>

The financial statements are attached hereto and are found immediately following
the  text  of  this  Annual  Report.  The  Report  of Independent Accountants of
Stefanou  & Company, LLP, Certified Public Accountants, on the audited financial
statements  for  the  fiscal  years ended December 31, 1999 and 1998 is included
herein  immediately  preceding  the  audited  financial  statements.

The  Company's  Audited  Financial  Statements  include:

     Report  of  Independent Certified Public Accountants, dated March 28, 2000.

     Consolidated  Balance  Sheet  at  December  31,  1999  and  1998.

     Consolidated  Statements of Income and Comprehensive Income for the periods
September  16,  1998 (date of inception) through December 31, 1998, and the year
ended  December  31,  1999

     Consolidated  Statements  of Stockholders' Equity for the periods September
16,  1998  (date  of  inception)  through  December 31, 1998, and the year ended
December  31,  1999

     Consolidated  Statements  of  Cash Flows for the periods September 16, 1998
(date  of  inception) through December 31, 1998, and the year ended December 31,
1999

     Notes  to  Consolidated  Financial  Statements

<PAGE>
                       SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549


                       FINANCIAL STATEMENTS AND SCHEDULES

                           DECEMBER 31, 1999 AND 1998



                         FORMING A PART OF ANNUAL REPORT
                 PURSUANT TO THE SECURITIES EXCHANGE ACT OF 1934


                           EFINANCIAL DEPOT. COM, INC.


<PAGE>
                           EFINANCIAL DEPOT. COM, INC.

                          INDEX TO FINANCIAL STATEMENTS

                                                                           Page

Report  of  Independent  Certified Public Accountants                      F-3

Consolidated  Balance  Sheet at December 31, 1999 and 1998                 F-4

Consolidated  Statements  of  Income  and  Comprehensive  Income
for  the  periods  September  16,  1998  (date  of  inception)  through
December  31,  1998  and  the year ended December 31, 1999                 F-6

Consolidated  Statements  of  Stockholders'  Equity  for
the  periods  September  16,  1998  (date  of  inception)
through  December 31, 1998 and the year ended December 31, 1999            F-7

Consolidated  Statements  of  Cash  Flows  for  the  periods
September  16,  1998  (date  of  inception)  through  December  31,  1998
and  the  year  ended  December  31,  1999                                 F-8

Notes  to  Consolidated  Financial  Statements                             F-9




<PAGE>
                             STEFANOU & COMPANY, LLP
                          CERTIFIED PUBLIC ACCOUNTANTS
                                1360 Beverly Road
                                    Suite 305
                             McLean, VA  22101-3621
                                  703-448-9200
                               703-448-3515 (fax)
                               ------------------
                               mclean@stefanou.com
                               -------------------
                                                                Philadelphia, PA
                                                                ----------------

               REPORT OF INDEPENDENT CERTIFIED PUBLIC ACCOUNTANTS
               --------------------------------------------------

Board  of  Directors
eFinancial  Depot.  Com,  Inc.
Vancouver,  British  Columbia

     We  have audited the accompanying consolidated balance sheets of eFinancial
Depot. Com, Inc. and subsidiary as of December 31, 1999 and 1998 and the related
consolidated  statements  of  income  and  comprehensive  income,  stockholders'
equity,  and  cash  flows for the period September 16, 1998 (date of  inception)
and  the  year  ended  December  31,  1999.  These  financial statements are the
responsibility of the company's management.  Our responsibility is to express an
opinion  on  these  financial  statements  based  upon  our  audits.

     We  conducted  our  audits  in  accordance with generally accepted auditing
standards.  Those standards require that we plan and perform the audit to obtain
reasonable assurance about whether the financial statements are free of material
misstatements.  An  audit  includes  examining,  on  a  test  basis,  evidence
supporting  the  amounts  and disclosures in the financial statements.  An audit
also includes assessing the accounting principles used and significant estimates
made  by  management,  as  well  as  evaluating  the overall financial statement
presentation.  We believe our audits provide a reasonable basis for our opinion.

     In  our opinion, the financial statements referred to above present fairly,
in  all  material respects, the financial position of eFinancial Depot.Com, Inc.
and  subsidiaries  as  of  December  31,  1999  and 1998, and the results of its
operations  and  its  cash  flows for the periods then ended, in conformity with
generally  accepted  accounting  principles.


                                   /s/  STEFANOU  &  COMPANY,  LLP
                                        --------------------------
                                        Stefanou  &  Company,  LLP
                                        Certified  Public  Accountants
McLean,  Virginia
March  28,  2000

F-3

<PAGE>

                           eFINANCIAL DEPOT. COM, INC.
                           CONSOLIDATED BALANCE SHEET
                           DECEMBER 31, 1999 AND 1998


<TABLE>
<CAPTION>

ASSETS                                                             1999     1998
                                                                 --------  -------
<S>                                                              <C>       <C>
CURRENT ASSETS:
 Cash and equivalents . . . . . . . . . . . . . . . . . . . . .  $ 11,859  $ 6,436
 Accounts receivable, less allowance for doubtful accounts
              of $358,310 in 1999 and $0 in 1998, respectively.   119,610   17,500
 Marketable securities in brokerage accounts(Note E). . . . . .    51,836   44,850
 Accrued tax benefits (Note D). . . . . . . . . . . . . . . . .    17,980        -
 Prepaid expenses . . . . . . . . . . . . . . . . . . . . . . .    35,005        -
                                                                 --------  -------
                           Total current assets . . . . . . . .   236,290   68,786

PROPERTY AND EQUIPMENT-AT COST:
 Furniture, equipment and leasehold improvements. . . . . . . .    35,176   27,713
 Less accumulated depreciation. . . . . . . . . . . . . . . . .     4,020      500
                                                                 --------  -------
                                                                   31,156   27,213

                                                                 $267,446  $95,999
                                                                 ========  =======

See accompanying notes to consolidated financial statements

F-4

</TABLE>

<PAGE>

                           EFINANCIAL DEPOT. COM, INC.
                           CONSOLIDATED BALANCE SHEET
                           DECEMBER 31, 1999 AND 1998

<TABLE>
<CAPTION>

                                                                           1999      1998
                                                                         ---------  -------
<S>                                                                      <C>        <C>
 LIABILITIES

CURRENT LIABILITIES:
 Accounts payable and accrued expenses. . . . . . . . . . . . . . . . .  $ 36,898   $   924
 Unearned revenues. . . . . . . . . . . . . . . . . . . . . . . . . . .    30,750         -
 Notes payable (Note C  ) . . . . . . . . . . . . . . . . . . . . . . .    28,220    25,748
              Income taxes payable (Note D) . . . . . . . . . . . . . .    40,070     5,270
                                                                         ---------  -------
   Total current liabilities. . . . . . . . . . . . . . . . . . . . . .   135,938    31,942

Deferred income taxes . . . . . . . . . . . . . . . . . . . . . . . . .    44,610    10,400

COMMITMENTS AND CONTINGENCIES (NOTE H)

STOCKHOLDERS' EQUITY (NOTE G)


Preferred stock, par value, $.001 per share; 10,000,000 shares
 authorized ; none issued at December 31, 1999 and 1998 . . . . . . . .         -         -

Common stock, par value, $.001 per share at December 31,
 1999;$.01 per share at December 31, 1998; 20,000,000 shares
 authorized; 12,500,000 issued  at December 31, 1999; 100,000
 shares authorized ; 1,000 shares issued at December 31, 1998 . . . . .    12,500        10
           Additional paid-in-capital . . . . . . . . . . . . . . . . .         -       990
           Retained earnings. . . . . . . . . . . . . . . . . . . . . .    96,907    45,022
           Unrealized gain or(loss) on securities available for resale
 (Note E) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   (22,509)    7,635
                                                                         ---------  -------
                                                                           86,898    53,657
                                                                         ---------  -------

                                                                         $267,446   $95,999
                                                                         =========  =======


See accompanying notes to consolidated financial statements
</TABLE>

F-5

<PAGE>

                           EFINANCIAL DEPOT. COM, INC.
           CONSOLIDATED STATEMENTS OF INCOME AND COMPREHENSIVE INCOME
          FOR THE PERIOD SEPTEMBER 16, 1998 (DATE OF INCEPTION) THROUGH
             DECEMBER 31, 1998 AND THE   YEAR ENDED DECEMBER 31, 1999

<TABLE>
<CAPTION>

                                                                        1999         1998
                                                                    ------------  -----------
<S>                                                                 <C>           <C>
Revenues:

 Fee income. . . . . . . . . . . . . . . . . . . . . . . . . . . .  $ 1,197,813   $    73,000


Cost and expenses:

 Selling, general and administrative . . . . . . . . . . . . . . .    1,023,355        18,773
 Depreciation. . . . . . . . . . . . . . . . . . . . . . . . . . .        3,520           500
                                                                    ------------  -----------
                                                                      1,026,875        19,273
                                                                    ------------  -----------
 Operating income. . . . . . . . . . . . . . . . . . . . . . . . .      170,938        53,727
  Realized gain(loss) on securities available for sale.                 (32,203)          625
                                                                    ------------  -----------
  Net income before taxes. . . . . . . . . . . . . . .                  138,735        54,352

            Income (taxes) benefit . . . . . . . . . . . . . . . .       75,350         9,330
                                                                    ------------  -----------

Net income . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $    63,385   $    45,022

Other Comprehensive income, net of tax:
Unrealized gain (loss) from available for sale securities:
Unrealized holding gains (losses) arising during the period. . . .      (22,509)        7,635
                                                                    ------------  -----------
Comprehensive income . . . . . . . . . . . . . . . . . . . . . . .  $    40,876   $    52,657
                                                                    ============  ===========

Net income per common share (basic and assuming dilution). . . . .  $       .00   $       .00
                                                                    ============  ===========

Weighted average common shares outstanding (Note  I) . . . . . . .   12,500,000    12,500,000



See accompanying notes to consolidated financial statements
</TABLE>


F-6

<PAGE>


                           EFINANCIAL DEPOT. COM, INC.
                 CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY
FOR  THE  PERIOD  SEPTEMBER  16,  1998  (DATE  OF  INCEPTION)  THROUGH
----------------------------------------------------------------------
DECEMBER  31,  1998  AND  THE  YEAR  ENDED  DECEMBER  31,  1999
---------------------------------------------------------------
<TABLE>
<CAPTION>


                                                              Unrealized Loss
                                                               on Securities
                                                                   Common        Stock       Additional       Retained
                                                                   Shares        Amount    Paid-in-Capital    Earnings
                                                              ----------------  --------  -----------------  ----------
<S>                                                           <C>               <C>       <C>                <C>
Common shares issued in exchange for cash to
 founders at inception . . . . . . . . . . . . . . . . . . .            1,000   $    10   $            990   $       -
Unrealized gain(loss) on securities-available
-for-sale. . . . . . . . . . . . . . . . . . . . . . . . . .                -         -                  -           -
 Net income. . . . . . . . . . . . . . . . . . . . . . . . .                -         -                  -      45,022
                                                              ----------------  --------  -----------------  ----------

Balance at December  31, 1998. . . . . . . . . . . . . . . .            1,000        10                990      45,022

Share issued in connection with merger of  RJI
 and Ballynagee (Note A) . . . . . . . . . . . . . . . . . .        2,000,000     2,000                  -           -
Retirement  of RJI Ventures, Inc. shares
(Note A) . . . . . . . . . . . . . . . . . . . . . . . . . .           (1,000)      (10)              (990)          -

Ballynagee Acquisition Corp. adjustment. . . . . . . . . . .                -         -                  -      (1,500)

Shares retained by former Ballynagee
Acquisition Corp. shareholders (Note A). . . . . . . . . . .          500,000       500                  -           -

Stock dividend (Note G ) . . . . . . . . . . . . . . . . . .       10,000,000    10,000                  -     (10,000)
Unrealized gain(loss) on securities-available-
for-sale . . . . . . . . . . . . . . . . . . . . . . . . . .                -         -                  -           -
 Net income. . . . . . . . . . . . . . . . . . . . . . . . .                -         -                  -      63,385
                                                              ----------------  --------  -----------------  ----------

Balance at December  31,  1999 . . . . . . . . . . . . . . .       12,500,000   $12,500   $              -   $  96,907
                                                              ================  ========  =================  ==========


See accompanying notes to consolidated financial statements


                                                               -Available-For
                                                                   -Sale          Total
                                                              ----------------  ---------
<S>                                                           <C>               <C>
Common shares issued in exchange for cash to
 founders at inception . . . . . . . . . . . . . . . . . . .  $             -   $  1,000
Unrealized gain(loss) on securities-available
-for-sale. . . . . . . . . . . . . . . . . . . . . . . . . .            7,635      7,635
 Net income. . . . . . . . . . . . . . . . . . . . . . . . .                -     45,022
                                                              ----------------  ---------

Balance at December  31, 1998. . . . . . . . . . . . . . . .            7,635     53,657

Share issued in connection with merger of  RJI
 and Ballynagee (Note A) . . . . . . . . . . . . . . . . . .                -      2,000
Retirement  of RJI Ventures, Inc. shares
(Note A) . . . . . . . . . . . . . . . . . . . . . . . . . .           (1,000)

Ballynagee Acquisition Corp. adjustment. . . . . . . . . . .                -     (1,500)

Shares retained by former Ballynagee
Acquisition Corp. shareholders (Note A). . . . . . . . . . .              500

Stock dividend (Note G ) . . . . . . . . . . . . . . . . . .                -
Unrealized gain(loss) on securities-available-
for-sale . . . . . . . . . . . . . . . . . . . . . . . . . .          (30,144)   (30,144)
 Net income. . . . . . . . . . . . . . . . . . . . . . . . .                -     63,385
                                                              ----------------  ---------

Balance at December  31,  1999 . . . . . . . . . . . . . . .  $       (22,509)  $ 86,898
                                                              ================  =========


See accompanying notes to consolidated financial statements
</TABLE>

F-7

<PAGE>

                           EFINANCIAL DEPOT. COM, INC.
                      CONSOLIDATED STATEMENTS OF CASH FLOWS
FOR  THE  PERIOD  SEPTEMBER  16,  1998  (DATE  OF  INCEPTION)  THROUGH
----------------------------------------------------------------------
 DECEMBER  31,  1998  AND  THE  YEAR  ENDED  DECEMBER  31,  1999
----------------------------------------------------------------
<TABLE>
<CAPTION>

                                                                                  1999       1998
                                                                               ----------  ---------
<S>                                                                            <C>         <C>
INCREASE (DECREASE) IN CASH AND EQUIVALENTS
Cash flows from operating activities
 Net income for the year. . . . . . . . . . . . . . . . . . . . . . . . . . .  $  63,385   $ 45,022
 Adjustments to reconcile net earnings to net cash
               provided by operating activities:
               Depreciation . . . . . . . . . . . . . . . . . . . . . . . . .      3,520        500
               Provision for uncollectible accounts receivable. . . . . . . .    358,310          -
               Loss (gain) on sale of securities. . . . . . . . . . . . . . .     32,203       (625)
Available- for-sale securities paid in lieu of cash for  services rendered. .          -      1,100
                Available-for-sale  securities received for services rendered   (337,739)   (33,000)
                (Increase) decrease in: .            . . . . . . . . . . . . . . . . . .          -
                  Accounts receivable . . . . . . . . . . . . . . . . . . . .   (460,420)   (17,500)
                 Advances and prepaid expenses. . . . . . . . . . . . . . . .    (35,005)         -
                 Accrued tax benefits . . . . . . . . . . . . . . . . . . . .    (17,980)         -
                 Marketable securities. . . . . . . . . . . . . . . . . . . .     (6,986)   (44,850)
                Increase (decrease) in:
                  Accounts payable and accrued expenses, net. . . . . . . . .     35,964        924
                                        Deferred tax expense. . . . . . . . .     34,210     10,400
     Income taxes payable . . . . . . . . . . . . . . . . . . . . . . . . . .     34,800      5,270
                                        Unearned revenues . . . . . . . . . .     30,750          -
                                                                               ----------  ---------
 NET CASH (USED) PROVIDED BY OPERATING ACTIVITIES . . . . . . . . . . . . . .   (264,988)   (32,759)
Cash flows used in investing activities:
              Proceeds from available-for-sale securities . . . . . . . . . .    275,401     40,160
 Capital expenditures, net of disposals . . . . . . . . . . . . . . . . . . .     (7,462)   (27,713)
                                                                               ----------  ---------
 NET CASH (USED) PROVIDED IN INVESTING ACTIVITIES . . . . . . . . . . . . . .    267,939     12,447
Cash flows used in financing activities:
 Proceeds from sale of common stock, net of costs . . . . . . . . . . . . . .          -      1,000
 Proceeds from notes payable. . . . . . . . . . . . . . . . . . . . . . . . .      2,472     25,748
                                                                               ----------  ---------
 NET CASH (USED) PROVIDED IN FINANCING ACTIVITIES . . . . . . . . . . . . . .      2,472     26,748
                                                                               ----------  ---------
 NET (DECREASE) INCREASE IN CASH AND EQUIVALENTS. . . . . . . . . . . . . . .      5,423      6,436
Cash and equivalents at beginning of year . . . . . . . . . . . . . . . . . .      6,436          -
                                                                               ----------  ---------
Cash and equivalents at end of year . . . . . . . . . . . . . . . . . . . . .  $  11,859   $  6,436
                                                                               ==========  =========

Supplemental Disclosures of Cash Flow Information

Cash paid during the year for interest. . . . . . . . . . . . . . . . . . . .  $       -   $      -

Acquisition:
 Assets acquired. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $       -   $      -
 Accumulated deficit. . . . . . . . . . . . . . . . . . . . . . . . . . . . .      1,910          -
 Liabilities assumed. . . . . . . . . . . . . . . . . . . . . . . . . . . . .     (1,410)         -
 Common stock issued. . . . . . . . . . . . . . . . . . . . . . . . . . . . .       (500)         -
                                                                               ----------  ---------
 Net cash paid for acquisition. . . . . . . . . . . . . . . . . . . . . . . .  $       -   $      -
                                                                               ==========  =========
See accompanying notes to consolidated financial statements
</TABLE>


F-8
<PAGE>

                           EFINANCIAL DEPOT. COM, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                           DECEMBER 31, 1999 AND 1998

NOTE  A-BUSINESS  COMBINATION

On  September  20,  1999, RJI Ventures, Inc. , formerly Talk Stock With Me, Inc.
("RJI")  completed  a  merger with Ballynagee Acquisition Corp. ("Ballynagee") ,
in  a  transaction  accounted  for  using  the  purchase  method  of accounting.
Subsequent  to  the  merger, Ballynagee  was re-named eFinancial Depot.Com, Inc.
("Company").  From its inception, Ballynagee was an inactive corporation with no
significant assets or operations. From its inception in September, 1998, RJI has
developed, marketed and operated an internet web site devoted to the research of
U.  S.  and  Canadian  equity  issues. Effective with the merger, all previously
outstanding  common  stock of RJI was exchanged for common stock of Ballynagee ,
resulting  in  the  previous security holders of RJI owning approximately 80% of
the  voting  stock  of the Company in an exchange ratio of 1 share of RJI common
stock  for  2,000  shares  of  Ballynagee  common  stock.

In accordance with APB Opinion 16, the consolidated financial statements include
the  accounts of RJI as the acquiring entity and Ballynagee Acquisition Corp. as
the  wholly  owned  subsidiary.  Significant intercompany transactions have been
eliminated  in  consolidation.

The  total  purchase  price  and carrying value of net assets acquired by RJI of
Ballynagee  Acquisition  Corp.  was  $  500.  The  net  assets  acquired were as
follows:

     Net  assets          $         -
     Accumulated  deficit       1,910
     Net  liabilities          (1,410)
                               -------
                              $   500
                              =======

As  Ballynagee Acquisition Corp. was an inactive corporation with no significant
operations,  the Company recorded the carryover historical basis of net tangible
assets  acquired,  which  did  not differ materially from their historical cost.
The  results of operations subsequent to the date of acquisition are included in
the  Company's  consolidated  statement  of  losses.

NOTE  B-SUMMARY  OF  ACCOUNTING  POLICIES

A  summary  of the significant accounting policies applied in the preparation of
the  accompanying  consolidated  financial  statements  follows.

Business  and  Basis  of  Presentation
--------------------------------------

eFinancial  Depot.  Com,  Inc.  (formerly  Ballynagee  Acquisition  Corp.)  (the
"Company")  was  formed on April 21, 1997. The Company is incorporated under the
laws  of  the  State  of  Delaware.  Up  until  September, 1999, the Company was
inactive,  had  no  significant  business  operations  and  was  classified as a
development stage company. On September 20, 1999, the Company completed a merger
with  RJI,  Inc.  ("RJI"),  a  company  that  develops,  markets and operates an
internet  web  site  devoted to the research of U.S. and Canadian equity issues.
The  resulting  merged  corporation  was  named  eFinancial  Depot.Com,  Inc.
F-9


<PAGE>
                           eFINANCIAL DEPOT. COM, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                           DECEMBER 31, 1999 and 1998

NOTE  B  -  ORGANIZATION  AND  SUMMARY  OF  SIGNIFICANT  ACCOUNTING  POLICIES
(CONTINUED)

                               Revenue Recognition

The  Company's contracts frequently call for a lump sum at the time the contract
is  signed  following by monthly billings for services rendered.   The lump sum,
which  is  to  be  paid  either  in  cash  or  common  stock, is non-refundable.
Therefore,  the  cash  or  fair market value of the common stock is reflected in
income  at  the  time  the  contract  is signed.  The contracts call for monthly
service  fees  to be paid at the beginning of each month with the first and last
month's  fees  due  at the time the contract is signed.  The unearned portion of
these  fees  is  recorded  as  a  liability.

                         Allowance for Doubtful Accounts

It  is the policy of management to review the outstanding accounts receivable at
year-end  and  establish  an  allowance  for doubtful accounts for uncollectible
amounts.

                              Marketable Securities

Common stock received by the Company for services is usually freely traded stock
and  is  recorded  at  its fair market value on the date the contract is signed.
All of the Company's marketable securities are categorized as available-for-sale
securities,  as  defined  by the Statement of Financial Accounting Standards No.
115,  "Accounting  for Certain Investments in Debt and Equity Securities."  None
of  the  securities  held  have  been  included  in  cash  equivalents.

These  securities  are  stated at estimated fair value based upon market quotes.
Unrealized  holding  gains  and  losses  for  available-for-sale  securities are
excluded  from  earnings  and  reported,  net of tax, as a separate component of
stockholders'  equity.  Realized  gains  and losses for securities classified as
available-for-sale  are  reported  in earnings when sold based upon the adjusted
cost  of  the  specific  security  sold.

Advertising
-----------

The  Company follows the policy of charging the costs of advertising to expenses
incurred. For the years ended December 31, 1999 and 1998, advertising costs were
$  654  and  $  0,  respectively.

Property  and  Equipment
------------------------

Property and equipment is stated at cost, maintenance and repairs are charged to
operations.  Depreciation  expense is calculated on a straight-line basis over 5
years  using  a  half-year  convention  for the year of purchase.  For the years
ended  December  31,  1999 and 1998, depreciation expense was $ 3,520 and $ 500,
respectively.

F-10

<PAGE>

                           eFINANCIAL DEPOT. COM, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                           DECEMBER 31, 1999 and 1998

NOTE  B-SUMMARY  OF  ACCOUNTING  POLICIES  (continued)

Intangible  Assets
------------------
Organization costs incurred after December 31, 1998 will be expensed as incurred
in  accordance  with  AICPA  Statement  of  Position  98-5.

Income  Taxes
-------------
Income  taxes are provided based on the liability method for financial reporting
purposes  in accordance with the provisions of Statements of Financial Standards
No.  109,  "Accounting for Income Taxes".  Under this method deferred tax assets
and  liabilities  are recognized for the future tax consequences attributable to
differences  between the financial statement carrying amounts of existing assets
and  liabilities  are  measured  using  enacted  tax  rates expected to apply to
taxable income in the years in which those temporary differences are expected to
be  removed  or settled.  The effect on deferred tax assets and liabilities of a
change  in  tax rates is recognized in the consolidated statements of operations
in  the  period  that  includes  the  enactment  date.

Cash  Equivalents
-----------------

For  purposes  of the Statements of Cash Flows, the Company considers all highly
liquid  debt  instruments purchased with a maturity date of three months or less
to  be  cash  equivalents.

Impairment  of  Long-Lived  Assets
----------------------------------

The  Company  has  adopted  Statement  of Financial Accounting Standards No. 121
(SFAS  121).  The  Statement  requires  that  long-lived  assets  and  certain
identifiable intangibles held and used by the Company be reviewed for impairment
whenever events or changes in circumstances indicate that the carrying amount of
an  asset  may  not  be  recoverable.  SFAS  No.121  also  requires assets to be
disposed  of  be  reported at the lower of the carrying amount or the fair value
less  costs  to  sell.

Use  of  Estimates
------------------

The  preparation  of  financial statements in conformity with generally accepted
accounting principles requires management to make estimates and assumptions that
affect  certain  reported  amounts  and disclosures.  Accordingly actual results
could  differ  from  those  estimates.

                          Concentrations of Credit Risk

Financial instruments and related items which potentially subject the Company to
concentrations  of  credit  risk consist primarily of cash, cash equivalents and
trade  receivables.  The  Company places its cash and temporary cash investments
with  credit  quality institutions.  At times, such investments may be in excess
of  the  FDIC  insurance limit.  The Company's customers are  not geographically
concentrated  and  it  periodically reviews its trade receivables in determining
its  allowance  for  doubtful  accounts.

<PAGE>

F-11
----

                           EFINANCIAL DEPOT. COM, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                           DECEMBER 31, 1999 AND 1998

NOTE  B-SUMMARY  OF  ACCOUNTING  POLICIES  (CONTINUED)

STOCK  BASED  COMPENSATION

The  Company  accounts for stock transactions in accordance with APB Opinion 25,
"Accounting  for  Stock  Issued  to Employees."  In accordance with statement of
Financial  Accounting  Standards  No.  123,  "Accounting  for  Stock  Based
Compensation,"  the  Company  has  adopted the proforma disclosure requirements.

Comprehensive  Income
---------------------

"Reporting  Comprehensive  Income," was adopted during the period ended December
31,  1998.  The standard establishes guidelines for the reporting and display of
comprehensive  income and its components in financial statements.  Comprehensive
income  includes  unrealized  gains  and  losses  on  debt and equity securities
classified  as  available-for-sale  and included as a component of stockholders'
equity.

New  Accounting  Pronouncements
-------------------------------

The  Company  adopted  Statement  of  Financial  Accounting  Standards  No. 131,
Disclosures about Segments of an Enterprise and Related Information ("SFAS 131")
in  the  year ended December 31, 1998.  SFAS establishes standards for reporting
information  regarding  operating  segments  in  annual financial statements and
requires  selected  information  for  those  segments to be presented in interim
financial  reports  issued to stockholders.  SFAS 131 also establishes standards
for  related  disclosures  about  products  and  services  and geographic areas.
Operating  segments  are  identified  as components of an enterprise about which
separate discrete financial information is available for evaluation by the chief
operating  decision  maker, or decision making group, in making decisions how to
allocate  resources  and  assess  performance.  The information disclosed herein
materially  represents all of the financial information related to the Company's
principal  operating  segment.

The  Company  adopted  Statement  of  Financial  Accounting  Standards  No. 132,
Employers'  Disclosures  about Pension and Other  Post Employment Benefits (SFAS
132"),  in  the  year  ended  December  31,  1999.  SFAS 132   specifies amended
disclosure requirements regarding such obligations. SFAS No. 132 does not effect
the  Company  as  of   December  31,  1999.

 In  March  1998, Statement of Position No. 98-1 was issued, which specifies the
appropriate  accounting  for  costs  incurred   to  develop  or  obtain computer
software  for  internal  use.  The  new pronouncement provides guidance on which
costs  should  be  capitalized,  and  over  what  period  such  costs  should be
amortized  and  what  disclosures  should  be  made  regarding such  costs. This
pronouncement  is effective for fiscal years  beginning after December 15, 1998,
but  earlier application is acceptable. Previously capitalized costs will not be
adjusted.  The  Company  believes  that  it is already in substantial compliance
with  the  accounting  requirements  as set forth in this new pronouncement, and
therefore  believes  that  adoption will not have a material effect on financial
condition  or  operating  results.

F-12

<PAGE>

                           EFINANCIAL DEPOT. COM, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                           DECEMBER 31, 1999 AND 1998

NOTE  B-SUMMARY  OF  ACCOUNTING  POLICIES  (CONTINUED)

In  April  1998,  Statement of Position No. 98-5 was issued which  requires that
companies  write-off  defined  previously  capitalized  start-up costs including
organization  costs  and  expense future start-up costs as incurred. Adoption of
this  statement  does  not  have  an  effect  on  financial  condition  or
operating  results.

 In  June  1998,  the  Financial  Accounting Standards Board issued Statement of
Financial  Accounting  Standard  No. 133, Accounting for Derivative  Instruments
and  for  Hedging Activities, ("SFAS No. 133"). This new  pronouncement requires
that  certain  derivative  instruments  be  recognized in balance sheets at fair
value  and for changes in  fair value to be recognized in operations. Additional
guidance  is  also  provided  to  determine  when hedge  accounting treatment is
appropriate  whereby  hedging  gains  and  losses are offset by losses and gains
related  directly  to  the  hedged item. While the standard, as amended, must be
adopted  in  the  fiscal year beginning after June 15, 2000, its impact   on the
Company's  consolidated  financial statements is not  expected to be material as
the  Company  has  not  historically  used  derivative  and  hedge  instruments.

Earnings  Per  Share
--------------------

The  Company  has  adopted  Statement  of Financial Accounting Standard No. 128,
"Earnings  Per  Share,"  specifying the computation, presentation and disclosure
requirements  of  earnings  per share information.  Basic earnings per share has
been  calculated  based  upon  the  weighted  average  number  of  common shares
outstanding.  Stock  options  and  warrant's  have been excluded as common stock
equivalents  in  the  diluted  earnings  per  share  because  they  are  either
antidilutive,  or  their effect is not material.  There is no effect on earnings
per  share  information  for  the  year  ended December 31, 1998 relating to the
adoption  of  this  standard.

NOTE  C  -  NOTE  PAYABLE

The  Company  has  an  unsecured  demand  loan  from an entity controlled by the
Company's President,  which bears no interest. The amount of the advances due on
December  31,  1999  and  1998  were  $  28,220  and  $  25,748,  respectively.

NOTE  D-  INCOME  TAXES

The  Company has adopted Financial Accounting Standard number 109 which requires
the  recognition  of deferred tax liabilities and assets for the expected future
tax consequences of events that have been included in the financial statement or
tax  returns.  Under  this  method,  deferred  tax  liabilities  and  assets are
determined based on the difference between financial statements and tax bases of
assets  and  liabilities using enacted tax rates in effect for the year in which
the  differences are expected to reverse.  Temporary differences between taxable
income  reported  for  financial  reporting purposes and income tax purposes are
insignificant.

F-13

<PAGE>

                           EFINANCIAL DEPOT. COM, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                           DECEMBER 31, 1999 AND 1998

The  provision  for income taxes  at December 31 , 1999 and 1998 consists of the
following:

                              1999               1998
                              ----               ----
Current:
     Federal                 $  27,600           3,410
     State                       7,200           1,860
                                 -----           -----
                                34,800           5,270
                                ------          ------
       Deferred  tax:
     Federal                   $37,200           2,590
     State                       3,350           1,470
                              --------           -----
                                40,550           4,060
                               -------           -----
Total  provision  for
income  taxes                  $75,350           9,330
                               =======           =====

The  deferred tax liability is the result of differences in depreciation for tax
and  financial  statement  presentation  purposes.

The  Company  has  deferred tax benefits of $ 17,980 ($15,790 federal income tax
and  $2,190  state  income  tax)  related  to  the unrealized loss on securities
available  for  sale  at  December  31,  1999 and deferred income liabilities of
$6,340  ($5,540  federal  income  tax  and $890 state income tax) related to the
unrealized  gain  on  securities  available-for-sale  on  December  31,  1998.

NOTE  E-  MARKETABLE  SECURITIES
--------------------------------

The  Company  in  exchange  for  services  receives  securities.  The securities
received  are  recorded  at  fair  market  value  and  are  classified  as
available-for-sale.  Securities  classified as available-for-sale may be sold in
response  to changes in interest rates, liquidity needs, and for other purposes.
The  Company does not currently have any held-to-maturity or trading securities.
None  of  the  securities  held  have  been  included  in  cash  equivalents.

Unrealized  holding  gains  and  losses  for  available-for-sale  securities are
excluded  from  earnings  and  reported  net  of  tax as a separate component of
stockholder's  equity.  Realized  gains  and losses for securities classified as
available-for-sale  are reported in earnings based upon the adjusted cost of the
specific  security  sold.

Marketable  securities  consisted  of  the  following  at  December  31,

                                                    1999          1998
                                                    ----          ----
Fair  market  value  on  the  date  acquired    $ 92,325      $ 30,875
Fair  market  value  on  December  31             51,836        44,850
                                                  ------        ------
Unrealized  gain  or  (loss)                     (40,489)       13,975
Deferred  income  tax asset or (liability)        17,980        (6,340)
                                                 ------         -------
                                                 (22,509)        7,635
                                                 =======         =====
Stocks  held  in  brokerage  accounts             86,987        36,298
Deferred  income  tax  benefit                  $      -       $22,834


F-14

<PAGE>

                           EFINANCIAL DEPOT. COM, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                           DECEMBER 31, 1999 AND 1998

                             NOTE F-MAJOR CUSTOMERS

Revenue  from  three (3) major customers approximated $366,000 or 30.5% of sales
for  the  year ended December 31, 1999.  There were no significant customers for
the  year  ended  December  31,  1998.

NOTE  G  -  CAPITAL  STOCK

Talk  Stock  With Me, Inc. ("Talk Stock") was formed under the laws of the State
of  Nevada  in October, 1998. In 1998, Talk Stock issued a total of 1,000 shares
of  common stock to its founders in exchange for  $1,000. In September 1999 Talk
Stock  changed  its  name  to  RJI  Ventures,  Inc.  ("RJI").

In September , 1999, RJI completed a merger with Ballynagee Acquisition Corp., a
Nevada  corporation  with  no  material  operations.  The  shareholders  of  RJI
exchanged  all  of  the outstanding shares of common stock of RJI in an exchange
ratio  of  1  share  of  RJI  common  stock for 2,000  shares of common stock in
Ballynagee  Acquisition  Corp.  common  stock.

Immediately  following  the  merger,  Ballynagee  Acquisition  Corp. was renamed
eFinancial  Depot.  Com,  Inc.

In  December,  1999, the Company's Board of Directors approved a four  (4) share
for  one (1) common stock dividend.  Share amounts presented in the consolidated
balance  sheets  and consolidated statements of stockholders' equity reflect the
actual  share  amounts  outstanding  for  each  period  presented.

NOTE  H-COMMITMENTS  AND  CONTINGENCIES

LEASE  COMMITMENTS
------------------

The  Company  leases  office  space  on  a month-to-month  basis in Los Angeles,
California from an entity  controlled by an individual related to  a significant
shareholder  of  the  Company,.  The  Company  also  sub-
leases  office  space  in  Vancouver, British Columbia from an entity owned by a
Company officer.  The future minimum annual lease payments in excess of one year
were  as  follows:

NOTE  H-COMMITMENTS  AND  CONTINGENCIES  (CONTINUED)

     Year      Amount
     2000     $  18,744
     2001        18,744
     2002        18,744
     2003         1,562
     ----         -----
              $  57,794
              =========

The  Company incurred no rental expense during the years ended December 31, 1999
and  1998


 F-15

<PAGE>

                           EFINANCIAL DEPOT. COM, INC.
                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                           DECEMBER 31, 1999 AND 1998

NOTE  I-NET  INCOME  PER  COMMON  SHARE

The  following  table  presents  the computation of basic and diluted income per
share:
                                                      1999             1998
                                                      ----             ----
Net  income  available  for  common  shareholders  $ 63,385       $  45,022
Basic  and  fully diluted income per share         $    .00       $     .00
Weighted average common shares outstanding       12,500,000      12,500,000
                                               ============      ==========

NOTE  J-NET  INCOME  PER  COMMON  SHARE

Net  income  per  share  is  based upon the weighted average number of shares of
common  stock  outstanding  In  September,  1999, RJI shareholders exchanged for
common  stock  of the Ballynagee Acquisition Corp.  "Ballynagee") 1 share of RJI
common  stock for 2,000 shares of the Ballynagee common stock (See Note A).   In
December  1999,  a  four  (4) for one (1) stock dividend of the Company's common
stock  was  effected  (See Note H). Accordingly, all historical weighted average
share  and  per  share amounts have been restated to reflect this merger and the
stock  dividend

NOTE  K-SUBSEQUENT  EVENTS

Subsequent  to  the  date  of  the  Company's  financial statements, the Company
entered  into  letters  of  intent to acquire Trade-Fast, Inc., a privately held
financial  communication  firm  for 4,000,000 shares of the Company's restricted
common  stock  and  Westcor Mortgage, Inc., a privately held commercial mortgage
banking  firm  for  $2,200,000  in the form of cash and the Company's restricted
common  stock.

 In  addition,  subsequent  to the date of the financial statements, the Company
issued  a  $  2,500,000  convertible  debenture  due in February, 2003 through a
private  placement  yielding   $2,225,000,  net  of estimated offering costs and
placement  fees of $275,000. The debenture pays the holders 6%, payable annually
redeemable at the option  of the Company after one year of issuance and once the
average  daily  closing  price of the Company's common stock is $10.00 per share
for  twenty  (20)  consecutive  trading  days.  The  convertible  debenture  is
convertible  at  the  option  of  the holder of such debenture at any time after
March 2, 2000 at a price per share equal to the lesser of (i) 80% of the average
closing  bid  price  of  the Company's common stock for five days proceeding the
date  of  conversion notice is tendered, or (ii) five ($5.00) dollars per share.
In  no  event  shall  the  conversion  price  be  lower  than  $3.00  per share.

<PAGE>

                           eFINANCIAL DEPOT. COM, INC.

                        COMPUTATION OF LOSSES PER COMMON
                           AND COMMON EQUIVALENT SHARES

                 FOR THE YEARS ENDED DECEMBER 31, 1999 AND 1998


<TABLE>
<CAPTION>

                                                         1999         1998
                                                      -----------  ----------

<S>                                                   <C>          <C>
Shares outstanding at beginning of period. . . . . .   12,500,000  12,500,000

Weighted average of common shares issued
during the period. . . . . . . . . . . . . . . . . .   12,500,000  12,500,000

Weighted average of common shares
outstanding during the period (adjusted for 4 for 1
 stock dividend  in 1999). . . . . . . . . . . . . .   12,500,000  12,500,000

Stock options and warrants outstanding-not
included as they have no dilutive effect . . . . . .            -           -

Shares used in computing earnings per
common share . . . . . . . . . . . . . . . . . . . .   12,500,000  12,500,000

Income per common share ($63,385/12,500,000) . . . .  $       .00

Income per common share ($45,722/12,500,000) . . . .  $       .00

</TABLE>

<PAGE>

ITEM  8.     CHANGES  IN  AND  DISAGREEMENTS  WITH ACCOUNTANTS ON ACCOUNTING AND
             FINANCIAL  DISCLOSURE.

On  February  21,  2000,  the Company engaged Stefanou & Company, LLP, Certified
Public Accountants, to audit its financial statements for the fiscal years ended
December  31, 1999 and 1998.  During the Company's two most recent fiscal years,
and  any  subsequent  interim periods preceding the change in accountants, there
were  no  disagreements  with  Gregory  M.  Montagna, CPA, P.C. on any matter of
accounting  principles or practices, financial statement disclosure, or auditing
scope  procedure.  Mr.  Montagna  provided  the Company with a letter confirming
that  he agreed with the Company's disclosure on Form 8-K in connection with the
change  of  accountants.

The  Company  did  not  consult  Stefanou  &  Company  LLP,  Certified  Public
Accountants,  regarding the application of accounting principles to any specific
completed or contemplated transaction or the type of audit opinion that might be
rendered  on  the  Company's  financial  statements.

                                    PART III

ITEM  9.     DIRECTORS,  EXECUTIVE  OFFICERS,  PROMOTERS  AND  CONTROL  PERSONS;
             COMPLIANCE  WITH  SECTION  16(A)  OF  THE  EXCHANGE  ACT.

The  following  table  and  text sets forth the names and ages of all directors,
executive  officers  and  significant  employees  of the Company as of March 31,
2000.  All  of  the  directors  serve  until  the next Annual General Meeting of
shareholders  and until their successors are elected and qualified, or until the
earlier of death, retirement, resignation or removal.  Subject to any applicable
employment agreement, executive officers serve at the discretion of the Board of
Directors, and are appointed to serve until the first Board of Directors meeting
following  the  annual  meeting  of  shareholders.  Also  provided  is  a  brief
description  of  the business experience of each director, executive officer and
significant  employee  during  the  past  five  years  and  an  indication  of
directorships  held by each director in other companies subject to the reporting
requirements  under  the  federal  securities  laws.

Directors,  executive  officers  and  other  significant  employees:

<TABLE>
<CAPTION>

<S>                     <C>                             <C>  <C>

                        DATE FIRST ELECTED OR
NAME . . . . . . . . .  POSITION HELD WITH THE COMPANY  AGE  APPOINTED
----------------------  ------------------------------  ---  ----------------
John Huguet. . . . . .  Director, CEO, and President     54  October 18, 1999
----------------------  ------------------------------  ---  ----------------
Christina Cepeliauskas  Chief Financial Officer          36  October 18, 1999
                        ------------------------------  ---  ----------------
Randy Doten. . . . . .  Director                         35  October 18, 1999
======================  ==============================  ===  ================
</TABLE>

The  backgrounds  and  experience of the Company's directors, executive officers
and  other  significant  employees  are  as  follows:

John  Huguet,  C.M.A.,  F.C.M.A.,  President  &  CEO

Mr.  Huguet  brings to Company over 35 years of diverse, international executive
management and resource development experience.  Much of Mr. Huguet's career has
focused  on  the  development  and  execution  of  major  international projects
incorporating  creative  and  innovative  partnership  formations,  financing
arrangements  and  equity  structures.  His  global  experience includes complex
business  dealings  in  such  markets  as  Peru,  Chile,  Venezuela,  Argentina,
Thailand,  Philippines  and  Singapore.  His  expertise  in  the global arena is
expected  to prove invaluable to the Company's development internationally.  Mr.
Huguet  was  employed  for  over  33 years with the Atkinson group of companies,
serving as President and Managing Director of Atkinson Holdings and Commonwealth
Construction  until  April,  1997.  Since  May,  1997,  Mr.  Huguet has been the
President  and  CEO of Andean American Mining Corp., and is currently a director
of  Oriole  Systems  Inc

Christina  Cepeliauskas,  Chief  Financial  Officer

Ms. Cepeliauskas is a professional accountant whose focus is working with public
sector  resource  and  technology  companies.  Currently,  Ms.  Cepeliauskas  is
Controller of Andean American Mining Corp., a company she joined in 1996 when it
became publicly listed.  In addition, she provides financial consulting services
to  Oriole  Systems Inc., an e-commerce company. Ms. Cepeliauskas is a member of
the  Certified  General  Accountants  Association  where  she was recognized for
achieving  the  highest  aggregate  standing  in  Level  IV  studies.

Randy  Doten,  Vice  President,  Technical  Development,  Director

Mr.  Doten  has  over  ten  years experience in online development, strategy and
marketing.  He has successfully implemented online production campaigns for talk
shows  and  game  shows,  including The Sinbad Show, The Howie Mandell Show, The
Roseanne  Show,  Judge Judy, Hollywood Squares and Wheel of Fortune. Mr. Doten's
expertise  in  targeting the online community is expected to be a major asset to
the  Company.  Mr.  Doten  is  currently  President  of Talk-Stock, a 100% owned
subsidiary  of  e-financial  depot.com,  Inc.  Mr.  Doten has also instructed at
respected  computer technical schools, and has implemented and managed Local and
Wide  Area  Networks  in both Windows NT and Unix environments.  He is fluent in
several  programming  languages, including those vital to online development and
production.  Mr.  Doten  is  currently  pursing  his  graduate  studies  at  the
University  of  Phoenix of Southern California, and expects to graduate in June,
2000.

There  are  no family relationships between any of the directors and officers of
the  Company.  There  are  no  arrangements or understandings between any two or
more  directors  or executive officers, pursuant to which he/she was selected to
be  a  director  or  executive  officer.

None  of  the  Company's  directors,  executive  officers,  promoters or control
persons  have  been involved in any of the following events during the past five
years:

1.     any  bankruptcy  petition  filed by or against any business of which such
person  was  a  general  partner  or executive officer either at the time of the
bankruptcy  or  within  two  years  prior  to  that  time;

2.     any  conviction  in  a  criminal proceeding or being subject to a pending
criminal  proceeding  (excluding  traffic  violations and other minor offenses);

<PAGE>

3.     being  subject  to  any  order,  judgment,  or  decree,  not subsequently
reversed,  suspended  or  vacated,  of  any  court  of  competent  jurisdiction,
permanently  or temporarily enjoining, barring, suspending or otherwise limiting
his  involvement  in  any type of business, securities or banking activities; or

4.     being found by a court of competent jurisdiction (in a civil action), the
Commission  or  the  Commodity  Futures  Trading  Commission  to have violated a
federal  or  state  securities or commodities law, and the judgment has not been
reversed,  suspended,  or  vacated.

Section  16(a)  Beneficial  Ownership  Compliance

Section  16(a)  of the Securities Exchange Act of 1934, as amended, requires the
Company's  executive officers and directors and persons who own more than 10% of
a  registered  class  of  the  Company's  equity  securities  to  file  with the
Securities  and  Exchange Commission initial statements of beneficial ownership,
reports of changes in ownership and annual reports concerning their ownership of
common  stock  and  other  equity securities of the Company, on Forms 3, 4 and 5
respectively.  Executive  officers,  directors and greater than 10% shareholders
are required by Commission regulations to furnish the Company with copies of all
Section  16(a)  reports  they  file.  The  Company was informed that none of its
officers  and  directors  (including  Mr. Huguet, Ms. Cepeliauskas or Mr. Doten)
filed  a  Form  3  within  the  prescribed period following which each became an
officer,  director  or  10% beneficial owner of the Company's outstanding common
stock.  However, all three officers have assured the Company that they will file
Form  3s  prior  to  the  end  of  April,  2000.

ITEM  10.     EXECUTIVE  COMPENSATION.

The  Company's  chief  executive  officer  did  not  receive  any  cash or other
compensation during the fiscal years ended December 31, 1998 and 1997.  No other
executive  officer  of the Company received annual salary and bonus in excess of
$100,000 for the fiscal years ended December 31, 1999, 1998 or 1997.  During the
fiscal  year  ended  December  31,  1999,  the Company's chief executive officer
received  a  salary  of  $50,000  (pro-rated from September 1, 1999 (the date he
commenced  his  position  with  the  Company,  and  based on an annual salary of
$150,000).  The  Company  is  in the process of finalizing employment agreements
with  each  of  Mr.  Huguet,  Ms.  Cepeliauskas  and  Mr.  Doten.

The  Company  granted  options to acquire shares in its common stock pursuant to
certain  agreements  (not  presently finalized).  The following table sets forth
the  name  of each optionee and the number of options in the common stock of the
Company  granted  during  the  year  ended  December  31,  1999:

             NAME OF OPTIONEE          NUMBER OF OPTIONS(1)
            ----------------           --------------------
            John F. Huguet
            President & Director        1,000,000 (2)
           --------------------         -------------
            Christina Cepeliauskas
            Chief Financial Officer     60,000 (3)
            ----------------           --------------------
            Randy Doten
            Director                    250,000 (4)
            ----------------           --------------------
(1)     Shares  of Common Stock which the person has the right to acquire within
60  days  of  December  31,  1999  are  deemed  outstanding  in  calculating the
percentage  of  ownership  of  the persons, but not deemed outstanding as to any
other  person.

(2)     1,000,000  options  to  purchase shares of the Company's common stock at
$1.25  per  share.

(3)     60,000 options to purchase shares of the Company's common stock at $1.25
per  share.

(4)     250,000  options  to  purchase  shares  of the Company's common stock at
$1.25  per  share.

<PAGE>

On  March  28,  2000, the Company registered its 1999 Stock Option Plan with the
Securities and Exchange Commission.  The above-noted options were granted to Mr.
Huguet,  Ms.  Cepeliauskas  and  Mr.  Doten pursuant to the Company's 1999 Stock
Option  Plan.

The  Company has no formal plan for compensating its directors for their service
in  their  capacity as directors although such directors are expected to receive
in  the  future  options  to  purchase  common shares as awarded by the Board of
Directors  or  (as  to  future  options)  a  Compensation Committee which may be
established.  Directors  are entitled to reimbursement for reasonable travel and
other  out-of-pocket expenses incurred in connection with attendance at meetings
of  the  Board  of  Directors.  The  Board  of  Directors  may  award  special
remuneration  to  any director undertaking any special services on behalf of the
Company  other  than  services  ordinarily  required  of a director.  Other than
indicated  below,  no  director received and/or accrued any compensation for his
services  as  a  director,  including  committee  participation  and/or  special
assignments.

Other  than  as  discussed  above,  the  Company has no plans or arrangements in
respect  of  remuneration received or that may be received by executive officers
of  the  Company  to  compensate  such  officers  in the event of termination of
employment  (as  a  result  of  resignation, retirement, change of control) or a
change  of  responsibilities  following  a change of control, where the value of
such  compensation  exceeds  $100,000  per  executive  officer.

There  are  no  arrangements  or  plans  in  which the Company provides pension,
retirement  or similar benefits for directors or executive officers.  Other than
the management agreements discussed herein, the Company has no material bonus or
profit  sharing  plans pursuant to which cash or non-cash compensation is or may
be  paid  to  the  Company's  directors or executive officers, except that stock
options  may  be  granted  at  the  discretion  of  the  Board of Directors or a
committee  thereof.

ITEM  11.     SECURITY  OWNERSHIP  OF  CERTAIN BENEFICIAL OWNERS AND MANAGEMENT.

Beneficial  Ownership

As  used  in  this  section,  the  term "beneficial ownership" with respect to a
security  is  defined by Regulation 228.403 under the Securities Exchange Act of
1934,  as amended, as consisting of: (1) any person who, directly or indirectly,
through  any contract, arrangement, understanding, relationship or otherwise has
or  shares  voting  power  (which  includes  the power to vote, or to direct the
voting  of  such  security)  or  investment  power  (which includes the power to
dispose,  or  to  direct  the disposition of, such security); and (2) any person
who,  directly or indirectly, creates or uses a trust, proxy, power of attorney,
pooling  arrangement  or  any  other  contract,  arrangement  or device with the
purpose or effect of divesting such person of beneficial ownership of a security
or  preventing  the  vesting  of  such  beneficial  ownership.

Each  person  has  sole  voting  and investment power with respect to the common
shares,  except  as  otherwise  indicated.  Beneficial  ownership  consists of a
direct  interest  in  the  common  shares,  except  as  otherwise  indicated.

As  of  March  31,  2000,  the  Company  had a total of 13,010,000 common shares
($0.001  par  value  per  common  share) issued and outstanding.  On October 14,
2000,  the  Company's  directors approved a forward stock split of the Company's
common  shares  on  a 4:1 basis for all record shareholders, increasing the then
issued  and  outstanding  shares  from  2,500,000  to  12,500,000 common shares.

As of March 31, 2000, no person known to the Company was the beneficial owner of
more  than  five  percent  (5%)  of the outstanding common shares of the Company
except  the  following:

<TABLE>
<CAPTION>

                                       AMOUNT AND NATURE OF
NAME AND ADDRESS OF BENEFICIAL OWNER   BENEFICIAL OWNERSHIP    PERCENTAGE OF CLASS(1)
------------------------------------  -----------------------  ----------------------
<S>                                   <C>                      <C>

Gold Crown Holdings Ltd.
Herald House, 22 Hill Street
St. Hlr, Jersey  JE48X2. . . . . . .  9,552,000 common shares                   73.4%
-------------------------------------------------------------------------------------

<PAGE>

Langley Investment Advisory Group
1875 Century Park East, #150
Century City, CA  90067. . . . . . .  1,000,000 common shares                   7.69%
====================================  =======================  ======================
<FN>

(1)     Based  on  13,010,000  common  shares  outstanding  as  of  March  31,  2000.
</TABLE>


The  following  table  sets  forth  the  beneficial  ownership  of shares of the
Company's  common  stock  as of March 31, 2000, for each officer and director of
the  Company,  and  for  all  directors  and  officers  as  a  group:
<TABLE>
<CAPTION>

                                         AMOUNT AND NATURE OF
NAME AND ADDRESS OF BENEFICIAL OWNER     BENEFICIAL OWNERSHIP      PERCENTAGE OF CLASS(1)
------------------------------------  ---------------------------  ----------------------
<S>                                   <C>                          <C>

John F. Huguet
President & Director
1005 - 750 West Pender Street
Vancouver, BC, Canada  V6C 2T8 . . .  1,000,000 common shares (2)                   7.69%
-----------------------------------------------------------------------------------------
Christina Cepeliauskas
Chief Financial Officer
1005 - 750 West Pender Street
Vancouver, BC, Canada  V6C 2T8 . . .  60,000 common shares (3)                       0.5%
-----------------------------------------------------------------------------------------
Randy Doten
Director
150 - 1875 Century Park East
Century City, CA  90067. . . . . . .  250,000 common shares (4)                      2.0%
-----------------------------------------------------------------------------------------
Directors and Officers as a Group. .  1,310,000  common shares                       9.9%
====================================  ===========================  ======================
<FN>

(1)     Based  on  13,010,000  common  shares  outstanding  as  of  March  31,  2000
(2)     Options  to  purchase 1,000,000 shares of the Company's common stock at $1.25 per
share.
(3)     Options  to  purchase  60,000  shares  of the Company's common stock at $1.25 per
share.
(4)     Options  to  purchase  250,000  shares of the Company's common stock at $1.25 per
share.
</TABLE>


ITEM  12.     CERTAIN  RELATIONSHIPS  AND  RELATED  TRANSACTIONS.

Other  than  as  described  below,  there have been no transactions, or proposed
transactions,  which  have  materially  affected  or  will materially affect the
Company  in  which any director, executive officer, or beneficial holder of more
than  10% of the outstanding common stock, or any of their respective relatives,
spouses,  associates  or affiliates, has had or will have any direct or material
indirect  interest.

<PAGE>

ITEM  13.     EXHIBITS  AND  REPORTS  ON  FORM  8-K.

Reports  on  Form  8-K

On  October  1,  1999,  the Company filed a report on Form 8-K with respect to a
change  in  control of the Company; and the Share Exchange Agreement between the
Company  and  Talk  Stock  With  Me,  Inc.,  dated  September  8,  1999.

On  December  8,  1999,  the Company filed a report on Form 8-K/A, attaching the
financial  statements  of  Talk  Stock With Me, Inc. and the Company's pro-forma
financial  information.

On  February  25, 2000, the Company filed a report on Form 8-K with respect to a
change in the Company's independent auditor, and announcing that the Company had
engaged  Stefanou  &  Company,  LLP  Certified  Public  Accountants to audit its
financial  statements.

Financial  Statements  Filed  as  Part  of  the  Company's  Annual  Report

Report  of  Independent  Certified  Public  Accountants,  dated  March 28, 2000.

     Consolidated  Balance  Sheet  at  December  31,  1999  and  1998.

     Consolidated  Statements of Income and Comprehensive Income for the periods

September  16,  1998 (date of inception) through December 31, 1998, and the year
ended  December  31,  1999

     Consolidated  Statements  of Stockholders' Equity for the periods September
16,  1998  (date  of  inception)  through  December 31, 1998, and the year ended
December  31,  1999

     Consolidated  Statements  of  Cash Flows for the periods September 16, 1998
(date  of  inception) through December 31, 1998, and the year ended December 31,
1999

     Notes  to  Consolidated  Financial  Statements

Exhibits  Required  by  Item  601  of  Regulation  S-B:

(3)     Articles  of  Incorporation  and  Bylaws

3.1     Certificate of Incorporation of the Company (filed as exhibit 3.1 to the
Company's  Registration  Statement  on  Form  10SB (file# 000-26899) on July 30,
1999,  and  incorporated  herein  by  reference).

3.2     Bylaws of the Company (filed as exhibit 3.2 to Registration Statement on
Form  10-SB  (file#000-26899)  on  July  30,  1999,  and  incorporated herein by
reference).

3.3     Certificate  of Amendment of Certificate of Incorporation dated November
2, 1999 (filed as exhibit 3 (a) to the Company's Quarterly Report on Form 10-QSB
(file  # 000-26899) on November 22, 1999, and incorporated herein by reference).

(10)     Material  Contracts

     10.1     Share  Exchange  Agreement  between  Ballynagee  Acquisition
Corporation  and  Talk  Stock  With  Me, Inc., dated September 8, 1999 (filed on
October  1,  1999  as  an exhibit to the Company's Current Report on Form 8-K on
October  1,  1999  and  incorporated  herein  by  reference).

     10.2     Share Purchase Agreement between the Company, Trade-Fast, Inc. and
Alan  Cohen,  dated  November  30,  1999.

     10.3     Letter  of  Intent  between the Company and Westcor Mortgage Inc.,
dated  January  19,  2000

     10.4     Consulting  Agreement  between  the  Company  and  Oxford  Capital
Corporation,  dated  January  27,  2000

     10.5     Registration  Rights  Agreement  between  the  Company  and Oxford
Capital  Corporation,  dated  February  2,  2000

(20)     Other

     20.1     e-financial  depot.com,  Inc.  6%  Convertible  Debenture,  dated
February  2,  2000

(21)     Subsidiary  of  the  Company

     Talk  Stock With Me, Inc. is a 100% wholly owned subsidiary of the Company.

(27)     Financial  Data  Schedule

<PAGE>
                                   SIGNATURES

     In  accordance with Section 13 or 15(d) of the Exchange Act, the registrant
caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized.


     E-FINANCIAL  DEPOT.COM

     By:  /s/ John Huget
          John  Huguet,  President/Director

     Date:     April  14,  2000

     In  accordance  with the Exchange Act, this report has been signed below by
the  following  persons on behalf of the registrant and in the capacities and on
the  dates  indicated.


     By:  /s/ John Huget
          John  Huguet,  President/Director
     Date:     April  14,  2000


     By:  /s/ Christina Cepeliauskas
          Christina  Cepeliauskas,  Chief  Financial     Officer
     Date:     April  14,  2000


     By:  /s/ Randy Doten
          Randy  Doten,  Director
     Date:     April  14,  2000

*  Print  the  name  and  title  of  each  signing  officer under his signature.