Asset Class S.D. Expected Return Weight Asset Class Contribution Sharp ratio US Equity 15.21% 12.94% 24.32% 3.15% Foreign Equity 14.44% 12.42% 30.87% 3.83% Bonds 11.10% 5.40% 10.83% 0.58% REITs 13.54% 9.44% 9.91% 0.94% Commodities 18.43% 10.05% 24.07% 2.42% Total 100.00% 10.92% 0.815960738 Portfolio Mean Return 10.92% Portoflio Variance 0.90% Portfolio S.D 9.46% Calculation of Covariance (Do Not Alter Formula) Correlation Matrix
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How technology has changed our lives Throughout the years technology is in constantly changing. It’s almost impossible just to think how different the technology was. I noticed how rapidly the technology change in our classrooms. For example‚ a video recorder or a side projector is almost obsolete now in days. We can now rely on most efficient technology. There are some good sides to this‚ for example we are no longer held captive by the prime-time schedules of a handful of networks. Now‚ with cable
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Have we become slaves of technology? Technology can be defined as a body of knowledge used to create tools‚ develop skills‚ and extract or collect materials; the application of science (the combination of the scientific method and material) to meet an objective or solve a problem. In other words the application of scientific advances to benefit humanity. It influences minds in good and bad ways‚ and it allows people to share information which they would otherwise not be able to attain. Even if a
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Zagursky Introduction This paper will analyze two strategic initiatives of an organization and how they match up with the HR approaches. Many organizations realize that it is their people who bring them a competitive advantage in the marketplace. Well planned HR management policies and practices are one of the common denominators of successful organizations. Let us take a look at how two strategic initiatives of an organization play a role in HR management. First initiative is diversity. Most American
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Phlebotomy and How it has changed Christina Hughes HCS 212 March 9‚2015 Elwanda Whitaker Phelbotomy has made a lot of changes now with technology . According to an article that was written by anymous in the Clinical Labortatory Science Journal‚”Phlebotomy is more accurately defined now as a bloodletting by incision of a vein or skin puncture for diagnostic or therapeutic purposes.” Certified (ANOMYUS‚ 1999) I think these changes are great and are very helpful in performing veinpunctures on
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Television & VCR/DVD’s have changed dramatically over the years How has television changed over the last 60 years? This question can be answered in a variety of different ways ranging from the technological changes and advances it has gone through to the question of whether it has any type of effects on the way people perceive it‚ or if society is manipulated by what they see on television. This report will hopefully uncover and discover television how it was then until how it is now. Television broadcasting
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Essentials of Sociology Social Revolutions that resulted from new technologies Technology has been a primary driver of social change for thousands of years. It has often been used to fill gaps between our “old world” habits and the demands of the “new world”.Often times challenges are presented in keeping up with our ever-growing changes‚ leading way to social changes-revolutions even. There are four innovations in technology that gave way to a swift social change; the invention of the
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partnering model and its impact on both the HR function and HR practice Since the concept of the business partnering model was introduced by Ulrich in 1997‚ the composition of the HR function has dramatically changed. As Goodge (2005) identified‚ “partnering is fundamentally changing almost every HR function‚ every HR job‚ and every HR career” (Pg. 32). Ulrich argued that HR needed to deliver on both a strategic and administrative level and identified four key roles through which organisations could achieve
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The school improvement partner role The purpose of the SIP is to contribute to whole-school improvement in a number of schools in one or more local authorities‚ provide challenge and support for the senior management team in a number of schools‚ give information to a governing body on their school’s performance and development and work with a range of partners in order to deliver challenge and support for schools. The main accountabilities of a SIP are to: Discuss and assess a school’s self evaluation
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1999) Research has shown that the human aspect of resources within an organisation contributes approximately eighty percent of the organization’s value. This implies that if people are not managed properly‚ the organization faces a serious chance of falling apart. The Human Resource Department’s main objective is to bring out the best in their employees and thus contribute to the success of the Company. Human resources "Manpower" redirects here. Human resources is a term used to describe the individuals
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