Tobin Smith is the founder and CEO of ChangeWave.com, which currently has 150,000 E-mail subscribers, and is a vice president at Phillips International. He is the editor of the New Economy investment newsletter and the managing partner and chief investment officer of ChangeWave Capital Partners, a private hedge fund. A contributing editor on Fox Cable News' "Bulls and Bears" and a regular commentator on CNN and CNBC, he also hosts a weekly chat on AOL and writes for Smart Business magazine. He lives in North Bethesda, Maryland.