Over the past year, the human voice has helped guide us over the ups and downs of what was certainly a stormy time.

在过去的一年里，人类的声音帮助我们度过了暴风雨时期的起起落落。

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Although it may be the case for some kids and this is a time of emotional ups and downs, that stereotype certainly is not representative of most teens.

虽然有些孩子是这样，而且这的确是一个充满起起伏伏情绪的时期，但这种成见决不代表大多数十几岁的孩子。

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Most of the time. Ideally most of your warm ups/downs, steady swims and technique work will be swam breathing bilaterally.

大多数时候，理想情况下大多数你的热身起伏，稳定游泳和技术工作将会两侧换气游泳。

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You can start with this short risk tolerance questionnaire and asset allocation worksheet to make sure you have the right amounts in stocks, bonds, and cash based on your time frame and your comfort (or discomfort) with the ups and downs of the market.

FORBES: After the Downgrade: 5 Moves to Make Now

But since young people have a longer time to invest and to ride out the ups and downs of the market, they can generally afford to invest more aggressively than people who are closer to retirement.

FORBES: What Young People Need To Know About Retirement