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average return on the stock market Many investors use the rate of return on the S&P 500 Index as a measure of market performance Return on the Risk-Free Asset Rf is the rate of return that an investor receives on a safe asset free from credit risk Obligations of the US Treasury are assumed to be risk free because it is believed that the US government will always meet its financial obligations To meet those payments, the government has powers that companies and individuals don t have it can borrow money, increase taxes, or print more money For the rate of return on the risk-free asset, we use the current yield on a 10-year US Treasury bond Definitions Relating to Risk: Risk reflects the uncertainty associated with the expected returns of an asset Buying Treasury bills is a low-risk investment.

terminal is connected to the anode (Fig. 19-4A). No current will flow if the battery is reversed (Fig. 19-4B). The resistor is included in the circuit to prevent destruction of the diode by excessive current. It takes a certain minimum voltage for conduction to occur. This is called the forward breaker voltage of the junction. Depending on the type of material, it varies from about 0.3 V to 1 V. If the voltage across the junction is not at least as great as the forward breaker value, the diode will not conduct. This effect can be of use in amplitude limiters, waveform clippers, and threshold detectors. You ll learn about the various ways diodes are used in the next chapter.

Fast forward through messages Position EOM marker at end Reserved Continuous play from address 0 Record/play consecutive messages Allows message pausing Simplified device interface

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When the N-type material is negative with respect to the P-type, as in Fig. 19-4A, electrons flow easily from N to P. The N-type semiconductor, which already has an excess of electrons, gets even more; the P-type semiconductor, with a shortage of

12-V wall wart power supply could be used to power the circuit at home or on the bench, while the radio mailbox could be powered via the 12-V automotive battery if operated in your car, truck, or motor home.

battery B, resistor R, milliammeter mA, and diode D. At A, forward bias results in current flow; at B, reverse bias results in no current.

You are assured of receiving your money with interest when the T-bill matures On the other hand, the risk of investing in a volatile biotech stock is high The actual return that you receive depends upon the future price of the company s stock Often the stock price depends on the company s receiving FDA approval of a new drug, or on a set of other uncertain events Many things could go wrong and torpedo the stock s price Or the planets may align and the stock price could multiply Risk is the part of an asset s price movement that is caused by a surprise or an unexpected event It is measured by a statistic known as the standard deviation of the return on the asset, which we discuss below The risk of a stock is subdivided into two categories: unsystematic risk and systematic risk.

electrons, is made even more deficient. The N-type material constantly feeds electrons to the P-type in an attempt to create an electron balance, and the battery or power supply keeps robbing electrons from the P-type material. This is shown in Fig. 19-5A and is known as forward bias. When the polarity is switched so the N-type material is positive with respect to the P type, things get interesting. This is called reverse bias. Electrons in the N-type material

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