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...beginning of Creation, we're promised the movie will reveal how Charles Darwin came to write The Origin of Species. Unfortunately, we don't get to set sail on The Beagle, but in a literal sense the movie does deliver, in that we do get to see Darwin (Paul Bettany) repeatedly sit down at his desk and move a pen across paper. Eventually, we see him drop a fat parcel in the back of a horse-drawn wagon, sending his Origin manuscript off to his publisher...
...Otherwise, we're led to believe, he might have kept his inflammatory theories about evolution to himself. For one thing, they upset the deeply religious Emma, portrayed by a painfully stick-thin Connelly as a woman of humorless severity. But he's continually pushed to write the book. His friend and advocate, biologist Thomas Huxley (Toby Jones), drops by Darwin's country home to needle him to get cracking on that book. Huxley crows, "You have killed God, sir!" in much the same way the good people of J.K. Rowling's books compliment Harry Potter on thwarting He Who Shall...
Since most ETFs only mirror a market index, such as the S&P 500, they won't outperform the index. But increasingly, investors see that outperformance quest as more of a pipe dream. "Only 20% of [mutual-fund] portfolio managers actually beat the index that they're tracking," says John Spallanzani, director of ETF sales and strategy at GFI Group. "So if you put your money in an ETF, you're basically beating 80% of the mutual-fund managers out there." ETFs are also more liquid than mutual funds, because they can be bought, sold or shorted throughout the trading...
...large spread can effectively wipe out any cost advantages over mutual funds. "You might save 20 basis points [i.e., 0.2 percentage points] on the cost of the ETF, but what if you're paying 200 basis points [2 percentage points] more because of the trading spread?" asks Borek. The spread risk is exacerbated in emerging markets and specialized niches in the global markets, where data are scarce and trading is limited...
...faded. Chen, 28, makes about $22,000 a year. By combining that with his wife's $13,000 salary as an office administrator, the couple estimated that they could afford a $260,000 apartment. But after more than a year of searching, and touring some 50 potential homes, they're still renting. In the heated market, sellers kept raising the price thousands of dollars just as Chen and his wife were on the verge of closing a deal, he says. Or worse, apartments listed at affordable prices were often sold within minutes at sums beyond Chen's comprehension...