Tom Lydon is president of Global Trends Investments, and the leading expert on ETF investing for individuals. His ETFtrends.com website and newsletter are widely followed by individual investors and the industry. He contributes to CNBC, Bloomberg TV, The Wall Street Journal, BusinessWeek, Investor's Business Daily, and Barron's. Thousands have attended his seminar, How to Manage a Million Dollar Portfolio. John Wasik, personal finance columnist for Bloomberg News and bloomberg.com, appears in 400 newspapers on five continents. Wasik has been seen on NBC's TODAY, CNBC, MSNBC, PBS, and NPR.