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Most financial advisors and planners have known since the 1990s that global diversification of client investments using funds and EFTs is an outdated technique. The system just doesn't perform well. So why are we still doing it?In The False Hope of Global Diversification, Wall Street and portfolio management veteran Michael Ross explains why it doesn't perform well-laying out step by step what financial advisors should be doing instead to protect their clients' assets. Learn how to grow your clients' wealth using a diversified portfolio of primarily US-based companies and US company bonds. Improve portfolio performance, reduce costs, and raise client satisfaction to new heights. Along the way, Ross offers pragmatic, real-world examples for presenting the system to clients in ways they will understand and appreciate (and even be excited about)-boosting client confidence through good markets and bad for their long-term success.

Tolkien's views on language, though never published as a formalised theory, were in some aspects rather 'heretic' (to use Tom Shippey's term) and seemed to fly into the face of 'established' linguistic theory - most notably his conception of 'native (hereditary) language' and, related to it, the idea of 'linguistic aesthetic' and 'phonetic fitness'. Unfortunately, this aspect of Tolkien's linguistic work has, as yet, not received the attention it deserves and Ross Smith is one of the first Tolkien scholars to investigate the question of Tolkien's position on language vis-a-vis the then (and even now) dominant tenet(s) in some depth.This is a second, revised edition.

Professor, Victor Trikojus exerted enormous influence on the development of biochemistry in Australia. His forceful personality and his ability to master intricate detail meant that he also imposed considerable influence on academic affairs, particularly at the University of Melbourne. This work reveals the man behind this intriguing scientist.