LARRY CHAMBERS is President of Chambers and Associates, a financial-writing consulting firm. He is the author of thirty books and 700 investment related articles. He was recently chosen as Business and Economics columnist for a three year period for Phi Kappa Phi Forum. The Forum is the quarterly magazine of the Phi Kappa Phi Honors Society, a community of scholars whose membership has grown to more than one million. KEN ZIESENHEIM, JD, LLM, CFP, is President of Thornburg Securities and Managing Director of Thornburg Investment Management Company. Ken is currently serving as a Trustee for