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People get less active as they age, and some luxuries become burdens Traditionally, as people age they sell large homes to move into smaller homes, condominiums, or some kind of senior housing coupled with medical assistance, such as assisted living or a nursing home Many Boomers believe that a large portion of their retirement income will come from tapping their home equity through downsizing They plan to sell their homes and use part of the equity to buy a smaller home and the rest to fund retirement.

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72 The Optimism Advantage prayer can do wonders to recharge your spirit. Every person relaxes differently, so nd the method that works best for you. And while we re talking about relaxation, don t forget to get a good night s sleep, which will come more easily once you start exercising on a regular basis. Waking up refreshed has a way of helping you maintain a positive and optimistic attitude.

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The question many ask is Who will buy the Boomers homes If there are fewer people in the following generations, how could there possibly be enough buyers for the homes sold by the Boomers Couple the smaller number of potential buyers with the possibility of higher taxes and lower economic growth, and the subsequent generations won t be able to pay the prices Boomers have come to expect for their homes Some economists have tried to forecast the effect of the Wave and the subsequent Baby Bust generation on home prices In 1989 one study predicted that housing prices would begin falling by about 3 percent annually over the next 20 years It predicted a real (after inflation) 47 percent decline in home prices by 2007 In 1993 a study sponsored by the National Institute on Aging reached similar conclusions.

risk with absolute risk, or forget that our objective is to make money. A manager with a large benchmark risk could possibly have lower volatility than the benchmark. Peter L. Bernstein, well-known consultant and nancial writer, claims institutional investors have handcuffed their managers by linking them to benchmarks whose composition changes every year.9 David Fisher, chairman of the world-class Capital Guardian Trust Company, has succinctly placed benchmark risk in its proper context with these remarks:

In that study, economist Daniel McFadden developed a model that identified 1980 as the peak for average US home prices, adjusted for inflation This model forecast that in 2020 home prices would be 19 percent below their 1995 levels, adjusted for inflation By 2030 the decline should be 30 percent Others argue that even if there are enough younger people and immigrants to buy homes in the future, they will neither want nor be able to afford the homes the Boomers want to sell Being older when they bought.

The Advanced Research Projects Agency (ARPA) of the United States government started working on networking protocols in the late 1960s with the help of a small company in Boston, Massachusetts, called Bolt, Beranek, and Newman, Inc (BBN) The result of their work was the ARPANET, which was a packet-switched network of leased lines that connected government agencies and universities across the United States In the 1970s, government and university researchers started working on a method to transmit packets across diverse networks, including the ARPANET and packet radio and satellite networks that had sprung up after the creation of the ARPANET The researchers developed a new protocol, called the Transmission Control Protocol (TCP) In 1978, the protocol developers decided to optimize the efficiency of TCP by breaking it into two parts The part of TCP used by gateways to connect dissimilar networks became IP.

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