Word: lowerers
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...your goal is to beat an index, a good low-cost mutual fund may still have the edge. Says Lee: "I would rather buy a known management team and pay a slightly higher fee in a mutual fund than rush to an ETF structure just for lower fees...
...oversimplified, it's an extremely complicated thing to figure out. Take sea level, for example. Most studies on climate change talk about the average rise worldwide. But things can look very different when you zoom into specific stretches of coast. Ocean currents can make local sea level higher or lower than the world average. So can the continuing rebound of land from the weight of glaciers from the last ice age, even though they melted more than 10,000 years ago. Factors like the extraction of oil and gas, like in the Gulf of Mexico, can also make the shore...
...become even more complex. The amount of destruction depends on the density of development, the mix of commercial and residential property, various construction characteristics and the location of a building's contents, says co-author Peter Dailey of AIR Worldwide, which specializes in catastrophe modeling. Surge damage typically affects lower floors; in a single-story warehouse, for example, most of the contents are at risk, while in a hospital they would be distributed over many floors...
...consideration. The result is a map of the Eastern U.S. seaboard that calculates plausible, albeit oversimplified, numbers for the increased damage that storm surges could cause. An overall round number, says Hoffman, is a 20% increase. But it would be higher in some areas - as much as 100% - and lower in others. In general, in a place like Louisiana, which is already at high risk, the increase would be smaller, and vice versa for places like Long Island and Connecticut, where the relative rarity of hurricanes makes today's risk to property low, but the potential increase very significant...
...wait, there's hope! Beren Professor of Economics Professor N. Gregory Mankiw stated on his popular blog that his Ec 10 textbook (along with 1,200 other titles) can now be rented from Cengage Brain, in either physical or digital form, at prices much lower than retail cost. Approximately 1,500 more titles are set to be added by July, and students can also purchase individual e-chapters as needed...