I am 26 and beginning to learn about investing. I currently have no investments other than some schemes through my employer, which I've already maxed-out. I've read that  is a long-term, low-risk option, and a good choice for beginners. What I want to understand is under what circumstances would I lose money investing in this. One possibility I can see is that I cash out at the wrong time. But I am not in a hurry to get my money back, so I'm comfortable with this risk. Another possibility is that the value falls and never goes back up. But in this scenario, surely we're talking about world-ending cataclysm? In which case all bets are off, and my savings and pensions will also lose value. So I'm comfortable with this risk as well. Am I understanding these two risks correctly? Are there other risks which I haven't understood?
It is a common assumption (and, as far as historical stock market data goes, also proven) that the stock market is always growing if you enlarge the time window long enough . In other words: The stock market always goes up in the long term. Is, therefore, the conclusion valid that you can totally invest as much as you want at any point in time you want and you can never go wrong, if  You diversify strong enough (invest &quot;in the world&quot;) You do not need to urgently sell your assets at any point in time  If yes, all that strategies that rely also on diversified, long-term investments (Dollar-Cost-Averaging &amp; Rebalancing, .. what others do you know?) are just to optimize the yiels, but you'd make profit even without those strategies. Is that correct?
I have the following code:  MemoryStream foo(){     MemoryStream ms = new MemoryStream();     // write stuff to ms     return ms; }  void bar(){     MemoryStream ms2 = foo();     // do stuff with ms2     return; }   Is there any chance that the MemoryStream that I've allocated will somehow fail to be disposed of later?    I've got a peer review insisting that I manually close this, and I can't find the information to tell if he has a valid point or not. An example of grey and white note that I mean is, like when you copy something, a small grey background and white lettered bubble appears for a few moments saying 'copied to clipboard'. My phone has some sort of malfunction where it dispays that prompt for several minutes at a time. Very annoying. How do I disable that? I am using a Samsung Galaxy S9. Why don't the colonists wear spacesuits in Alien: Covenant? In the beginning of the Alien: Covenant movie, a group of colonists from the main ship make a landing on an unknown planet, which they found out accidentally after ship has been bombarded by an unknown wave from a star collapse and what bothers me, is that they don't wear any spacesuits, any protective gear, any air filter systems, just nothing.  Is that really the way future space expeditions gonna explore new possible planets presumed as possible habitable homes for humanity?  Every 5th grader knows, from the biology school lessons, that water, air, and even earth itself contains and gives life to a thousands of viruses, bacteria, and microorganisms.  You can breathe in bacteria, or virus, and be dead in a seconds.  Do film makers really suppose we will take it as realistic depiction of extraterrestrial expedition?   Reality check just screams out loud.  What do you think can be their motivation for such a decision? Is there any way to automatically rename accessor/mutator when a variable they get/set gets refactored -> renamed (Eclipse 3.4)? Death in SAO before Kayaba announcement I was wondering if in the novel we knew about some deaths occurring before Kayaba announcement. I remember that in the anime, Kirito plays a bit with Cline before realizing that the log off option has disappeared. Then all the people are summoned to the city and learn about the fact that if they die in the game, they also die in real life.  I don't remember any players dying before the announcement in the anime, except for those who are not waking up and their relative pulling off their NerveGear thus causing death, but maybe in the light novel, some guys died without even knowing it just while being defeated by a mob (which seems awful for me).  Do we know about some players dying before that while thinking they are still in a normal game? How can I output colored text to the terminal in Python? Custom cross-reference formats (e.g. "Equation 1" instead of just "1") What is the difference between an Intel i7 and a Xeon quad core processor? I know the  processors have been around for a long time and are mostly used in servers, but I am curious, why do people not use the Xeons in a high performance desktop?    As far as I know about the best desktop processor out there now is the  line. The i7's and Xeons are both quad-core processors, what is the main difference in these? I just saw that the MacBook Pro's are using the quad core Xeons instead of the i7's. Ch.3 #7. Prove that the convergence of $\sum a_n$ implies the convergence of $$\sum \frac{\sqrt{a_n}}{n},$$ if $a_n \geq 0$.      My attempt. If $\sum a_n$ is convergent, then by the root test, $\lim_{n \rightarrow \infty} sup \sqrt[n]{|a_n|} &lt; 1$. This means $|a_n|^{1/n} &lt; 1$. Because $a_n \geq 0$, this means $a_n ^{1/n} &lt; 1$. Now apply the root test to $\sum \frac{\sqrt{a_n}}{n}$ by considering $$\lim_{n \to \infty} sup \sqrt[n]{|\frac{\sqrt{a_n}}{n}|}.$$ $$\sqrt[n]{|\frac{\sqrt{a_n}}{n}|} = \frac{\sqrt{{a_n}^{\frac{1}{n}}}}{\sqrt[n]n}.$$ Because  $a_n ^{1/n} &lt; 1$, certainly the numerator on the left-hand side of the equation above is $&lt;1$. And because $n$ tends to $\infty$, and $n &gt; 1 \rightarrow \sqrt[n]n &gt; 1,$ the denominator is $&gt;1$. Therefore the limit is $&lt;1$ and the root test implies that $\sum \frac{\sqrt{a_n}}{n}$ converges.     If there are any errors in my proof, I think they come from 1) my assumption of the converse of the root test theorem and 2) my misunderstanding of $\lim_{n\to\infty} sup$. Thanks in advance for your help. Calling a Java method with no name Embed .mov file via 'Add Media' not working I know since WP 3.6 we've been able to upload and embed various file formats and that the 'Add Media' button effectively implements the correct media embed shortcode for us.  I'm having a problem in WP4.0 using 'Add Media' to embed quicktime (.mov) files. The embed works fine for the other supported video MIME types but I'm not offered 'Embed Media Player' when I try adding a .mov file to a post.  See screen grabs/explanation:   See how .mov embed has reverted to a simple hyperlink (recorders) at   Does anyone have any suggestions as to why this is, or to a possible fix so I can embed .mov as easily as .mp4 - seems to be the preferred format of the client. For the moment we're having to manually add the [video] shortcode ourselves in the text editor.  How do I check that embed is supported/enabled for .mov? "The operation couldn’t be completed. (BKAgentServiceErrorDomain error 8.)" What if client doesn't like any logo design concept? >Prove that $\frac d {dx} x^n=nx^{n-1}$ for all $n \in \mathbb R$. Prove that $\frac d {dx} x^n=nx^{n-1}$ for all $n \in \mathbb R$.   I saw some proof of $\frac d {dx} x^n=nx^{n-1}$ using binomial theorem, which is only available for $n \in\mathbb N$. Do anyone have the proof of $\frac d {dx} x^n=nx^{n-1}$ for all real $n$? Thank you. Can I re-enter the UK visa free shortly after Tier 2 visa expires? I am considering buying a Dell XPS 15 laptop. The laptop has a Nvidia 420m card which should work with Linux but I keep reading that the Nvidia Optimus technology isn't supported on Linux. I am not really interested in switching from Nvidia to Intel to save power but need to know that the Nvidia card will in fact work if I installed Ubuntu.  If anyone has experience using a Nvidia card with Optimus technology or even better the exact laptop in question (Dell XPS 15 with 1GB NVIDIA® GeForce®  GT 420M) it would be great.  A major problem holding people back from adopting Linux is this sort of hardware issue. I am a long term Ubuntu user and supporter who can't afford to make a mistake with a purchase like this. I don't want to spend £500+ to find I have no graphics acceleration because Windows 7 is not an option. Dynamic select list in the form (dependent dropdown) If i entered "name" in my text box while it saved it must be saved like "Name"   Capital letters in the first letter of Alphabet  It must not show any error messages it must directly save Integral of sinc function multiplied by Gaussian I am wondering whether the following integral $$\int_{-\infty}^{\infty}  \frac{\exp( - a x^2 ) \sin( bx )}{x} \,\mathrm{d}x$$ exists in closed form. I would like to use it for numerical calculation and find an efficient way to evaluate it. If analytical form does not exist, I really appreciate any alternative means for evaluating the integral. One method would be numerical quadrature including Gaussian quadrature, but it may be inefficient when the parameters $a$ and $b$ are very different in scale.  EDIT : In view of  discussion, we have decided to add OP's self-answer to the end of the question, for it does not qualify as an answer yet contains vital details. The copying is unabridged. Thanks very much for your comments, and the following result was obtained including the case for $x_0 \ne 0$: $$ \int_{-\infty}^{\infty} dx \exp[-a(x-x_0)^2] \frac{ \sin(bx) }{ x } = \pi \exp(-a x_0^2) \mathrm{Re}\left(\mathrm{erf}\left[\frac{b+2iax_0}{2\sqrt{a}}\right] - \mathrm{erf}\left[\frac{2iax_0}{2\sqrt{a}}\right]\right) $$ where $a\gt0, b, x_0$ are assumed to be all real. (note: coefficients etc may be still wrong...) This integral appears in a type of electronic structure calculation based on a grid representation (sinc-function basis). I believe the above result should be definitely useful. Thanks much!! --jaian Book: Nanobot apocalypse on Earth, originally used for weather control