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But what if you scaled back the T-bills in your portfolio to just 20 percent of your portfolio and invested 12 percent of your portfolio in bonds With 50 percent of your money in small caps and 18 percent in large caps, your average annual return over those 24 years sprouts to 126 percent and your best six months grows to a remarkable 43 percent Your volatility rises, too, but over that amount of time, you can certainly afford to wait out the declines In some cases, you don t have to sacri ce higher returns for increased volatility; a well-diversi ed portfolio can actually lower your volatility and fetch a better return at the same time.

Any independently minded marathon runners considering these con icting theories would surely have concluded that the avoidance of drinking during exercise was clearly bene cial because this was what the winners were doing So how could it possibly be incorrect Similarly, Muir et al (1970) reported that the winner of the 1970 Edinburgh Commonwealth Games Marathon, PhD chemist Dr Ron Hill, in a then world-best time (for an out-and-back course) of 2:09:28, did not drink during the race, losing 23 kg (39% of his pre-race body weight of 594 kg) They wrote: This degree of dehydration (>25 kg), which must have been greatly exceeded by some of the Edinburgh competitors, might be expected to give rise to symptoms and also signs of physiological inef ciency.

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When we asked the well-regarded researchers at Ibbotson Associates to put together some diversi ed portfolios (for illustration purposes only), we found that with some combinations you can actually lift your return and lower your volatility at the same time (See Table 41) What s the right mix for you It depends on a number of factors, including your age, the size of your portfolio, how much risk you re willing to take on, your tax bracket, and your outlook on the economy, among others Many retirement books offer general guidelines for asset allocation depending largely on your age The younger you are and the more money you have, the more you can afford the short-term volatility of stocks But as you age, or if your spending needs increase, the more you ll need to protect your principal by shifting money toward bonds and cash.

As some of you know, the credit card companies (Visa, MC, and American Express) issue card numbers that conform to a type of checksum algorithm Every card number will conform to this checksum, but this is not to say that every card number that passes this checksum is valid and can be used, it only means that such a card number can be issued by the credit card company Often this checksum test is used by companies that take credit cards for billing It is often the first step in checking card validity before attempting to bill the card; however, some companies stop here Some companies only check the first digit and the card number length, others use this very convenient algorithm, while others continue on to check the bank ID portion of the card number with a database to see if it is a valid bank.

That it does not do so is indicated by the fact that in Edinburgh few runners took the trouble to correct it by drinking during the race Perhaps their arduous training protects them in some way against the adverse effects of dehydration Perhaps these runners were simply doing that for which athletic humans were designed running long distances in the heat with little or no uid replacement according to the Heinrich hypothesis More recently, Cheuvront et al (2003) have reported a linear relationship between the average running speed and the level of dehydration of.

But general is the operative word when it comes to these guidelines Most often, the advice for anyone under 30 goes something like this: 90 percent equities; 10 percent cash As you get older, the mix gets slightly more complicated Over 50 years old, and you start getting into bonds and safer kinds of equities: 30 percent growth and income; 30 percent utilities;.

Semantics When the unary & is applied to a shared structure element of type T, the result has type shared [] T *.

C. RAID 5 D. RAID 0 19. A customer is running a RAID 1 array with disk duplexing, and the primary RAID controller has failed. What happens to the system A. The controller is rebuilt using parity information. B. The controller is swapped with a hot spare RAID controller. C. The system immediately fails. D. Nothing, the mirrored array becomes active using the secondary RAID controller to service the disk drives. 20. A customer wishes to implement a RAID solution on their server. Because of costs, they wish to use a software-based RAID system. What must be present to implement this system A. An external RAID storage system B. Enough CPU power and RAM to power the system C. An embedded RAID controller D. Hot swap disk drives

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