outperformed its benchmark index‚ the S&P 500‚ for 14 years consecutively. Given that the next longest period of sustained performance was only half as long‚ 14 consecutive years of excellent performance set a record as the longest streak of success for any manager in the mutual-fund industry. The average annual total return for the past 15 years was 14.6%‚ which was higher than the S&P’s 500 by 3.67%. Value Trust had 36 holdings‚ 10 of which accounted for nearly 50% of the fund’s assets. Morningstar gave
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S&P 500’s average annual returns. From exhibits 1 and 5 we can see that the return was much higher for Value Trust (15.04%) compared to the S&P 500 (9.48%) over a ten year period. The NAV was consistently increasing from 1994 to 2000 up until the market crash when the NAV decreased but then again increased consistently until 2004. The NAV is an investment measure and increase indicates a better performance. Also from exhibit 1 we can see that the annual return of Value Trust was higher than the S&P
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Do the Benefits of Tanning Outweigh the Risks? Amber Williams University of Phoenix‚ Axia College 26 year-old Clare Oliver spent her last living days warning the population about the dangers of tanning beds. The young woman started using tanning beds in her teens and was diagnosed with skin cancer when she was 22 years old (Ross‚ 2008). Reports come out every year with an increased amount of people who are affected by Ultra Violet radiation exposure. With so many studies about the
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Siddhartha‚ by Herman Hesse‚ tells the story of a young man’s journey to find enlightenment. The main theme of the novel is that knowledge can be taught but wisdom comes with experience. Siddhartha‚ the main character‚ journey begins in his village where he is loved and admired by all of the townspeople. Both smart and ambitious‚ Siddhartha sees that he makes everyone happy but himself‚ which leads him to become discontent with his life. He begins to feel he has learned the best of the knowledge
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Herman Roth‚ father of two‚ always seems to make the “right” decisions. For example‚ in the opening chapter‚ Herman denies a proposal that “would answer a Depression family’s yearning” (Roth pg8). After being informed of the potential relocation that comes along with his job‚ Herman comes quick to his instincts and ultimately makes a difficult decision one of simplicity. Yes‚ money in the bank is crucial‚ but Herman looks beyond the economic value of life. Herman reveals that happiness is what
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place‚ it has become one of the most widely studied laws in history. While there are many arguments and new bills being created to reduce this age‚ especially among college universities‚ all have failed to become law. Over half of adults agree that lowering the drinking age would increase binge drinking among teens‚ and 72% believe that it would make alcohol more accessible to kids as well. Over 50 scientific studies have found that the 21-law saves lives. (Dean-Mooney 1) There is just not
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Lowering the Drinking Age “Nearly 10 million youths‚ ages 12 to 20‚ in this country report they have consumed alcohol in the past 30 days.” (“City Council”) Teens use alcohol for a numerous amount of reasons‚ ranging from celebration to stress to boredom and underage drinking has now become a hobby done behind closed doors. The legal limit today in the United states has been 21 since the 1984‚ requiring all states to raise the minimum age for purchase and possession of alcohol to 21‚ but
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ENG 102 Instructor Brentar 10/30/2012 Did You See Yourself in ESL Program? When the new semester begins‚ a number of international student are going to begin their ESL program. The English as Second Language program is a class opened for non-English speaker who is studying in an English speaking country. This program aims to improve students English so that they can adapt to school life easily. Like other school‚ the ESL program in Cleveland State University contains reading and writing‚ listening
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In the lyric poem‚ or song‚ "See You Again" by Wiz Khalifa‚ the author describes the person he has a strong connection being gone for a very long time. The audience can infer that the author is used to seeing this person often as he says "It’s been a long day without you‚ my friend" and he thought he would never see them again. Through the use of the authors diction the audience can infer when the author sees his friend again he then realizes that love always finds a way and home is where the heart
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Lowering Your Gaze Lowering are gaze is important for all of us because it protects us from haram actions and thoughts. The book talks about it in many aspects like if you lower your gaze you protect yourself from shatan and temptation. It may be a struggle but it is possible because it is said in the book that Allah (SWT) will not burden us with anything we cant handle. Also the books gives an interesting question‚ why are we embarrassed to commit sins in front of people but not Allah (SWT)
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