Dollar cost averaging with a bonus start sum I'm going to do some old school value investing, holding  around ten stocks.  Other than investing say 2k every month, I also have around 100k in savings. I'm contemplating investing these alongside my 2k, say over the next 3 to 5 years.   I don't want to take too much risk in regard to market timings. Any thoughts on the period for investing the additional sum?
Dollar cost averaging - Should I still do it if I have a large pile of cash now? I currently have a large pile of cash savings ($240,000) which I really should have been investing all this time, but the past is past and no point dwelling on it.  I am currently 38 years old (2 kids. Wife who is also a high earner - $100,000), with a high salary ($150,000). I have read "The Intelligent Investor" and am really sold on dollar cost averaging as a strategy, using the index funds offered by Vanguard.  My current dilemma is what to do with the cash I already have. My current plan is to still follow the dollar cost averaging and slowly move it into vanguard over a period of 4 years (~$5000 per month). While leaving the remaining parts of the cash in term deposits. So $50,000 in a 3 year term deposit at 3%, $50,000 in a 2 year term deposit at 2.8% etc.  But in someways it feels overly conservative. Should I just move all the money now? Or perhaps in a shorter time frame (3 years? 2 years? 1 year?).  There are a few other questions on the site similar to mine, but they are from 2013/2014 etc. Given that currently the stock market is at a high and there is a lot of economic uncertainty on the horizon, putting everything in the stock/bond market at once now seems like a risky move. And it seems to violate the principle of dollar cost averaging. Or am I violating dollar cost averaging by trying to "time the market" by looking at it's current value?  Reading this section  seems to indicate that I should just invest everything now. But the first paragraph also seems to suggest giving more weight to that advice if the market was trending upwards (Which I am not certain the current market is/will be for long).  PS: My current investment horizon is long. Basically retirement, about 20 years from now.
Which interpolation technique is suitable for a bathymetry of a small lake? Show that $xy=0$ is a variety but not a manifold Where can I find gedit's backup files and how to open them? So, I just finished off the first part of an important task for school and today when I was going to continue, the document with my notes were gone. The only fragment I've got left of my file is the back up file, which doesn't show in the folder where I saved the document, but I can search for it.  Is there anyway which allows me to open the back up file, save it as a text file and continue my task? I don't really have the time for running restoring tools, which never has helped me in a satisfactory way anyway.  I wrote the document in gedit and my version of Ubuntu is 12.10. How to find creation date of file? I want to find out the creation date of particular file, not modification date or access date.  I have tried with ls -ltrh and stat filename. Is there any way to save the order of spaces in Mission Control? I looked at similar questions and wanted to post a more specific one.  If I wanted one of my accounts on the network to no longer be associated to my global account, could an administrator do it manually? I mean, even if they could, would they?  It's a matter of professionalism. I don't want one of my accounts on the network to be visible from my other accounts. I just want that to be under a separate email that's not one of the OpenIDs associated with my global account.  I realize this would have been easier to do when I joined that site, but it's too late now, and only now have I realized that I don't really want that account showing up.  So can it be done by an administrator? I don't want to wait weeks and weeks for a response by using the contact form (funny, I've waited two with this post)... Full Disk Encryption using Ubuntu Core\Snappy I'm not sure if this is the right place to ask , but anyway :   I'm running ubuntu-core (snappy) on Raspberry Pi 3 and I'm willing  to perform partition\full disk encryption using cli\code. is it possible?  thanks Reading about  I understood that black holes lose energy over time - which is logical in some way (otherwise they would be there forever and heat death would never technically happen)  But - how exactly does it "evaporate"? What happens when it no longer contains enough mass within it's  ? Does it explode somehow? Transforms into "regular matter"? Simply vanishes over time? Or? What's the difference between:  class Child(SomeBaseClass):     def __init__(self):         super(Child, self).__init__()   and:  class Child(SomeBaseClass):     def __init__(self):         SomeBaseClass.__init__(self)   I've seen super being used quite a lot in classes with only single inheritance. I can see why you'd use it in multiple inheritance but am unclear as to what the advantages are of using it in this kind of situation. A result of Erdős on increasing multiplicative functions Erdős proved that if $f(n)$ is a monotone increasing function from the natural numbers to the positive reals, and $f(n)$ is completely multiplicative, then there exists some constant $C$ such that $f(n)=n^C$ for all $n$.  I have not been able to find a nice proof of this online and was hoping someone could provide a proof. Streaming large files in a java servlet I am building a java server that needs to scale. One of the servlets will be serving images stored in Amazon S3.  Recently under load, I ran out of memory in my VM and it was after I added the code to serve the images so I'm pretty sure that streaming larger servlet responses is causing my troubles.  My question is : is there any best practice in how to code a java servlet to stream a large (>200k) response back to a browser when read from a database or other cloud storage?  I've considered writing the file to a local temp drive and then spawning another thread to handle the streaming so that the tomcat servlet thread can be re-used. This seems like it would be io heavy.  Any thoughts would be appreciated. Thanks. Some sort of battle school (no, not Ender's Game), where teens are being trained as military commanders.   The control system for their army hinges around some sort of system that requires extremely fine motor control -- being able to "push" around digital representations of military units using a special interface that interprets minute finger movements.  The boy protagonist eventually meets a girl in the battle school, and is astonished to learn that most people do not live as well as he does -- for instance, he gets a fresh jumpsuit outfit every day and disposes of the old one; this is a luxury.  One scene I recall is them kissing for a moment in some sort of underground passageway; the boy protagonist notes the exact length of the kiss, as he has been trained to have heightened time perception.  I don't recall much about other commander characters; I think they have different special abilities, and one other major character might have physical deformities, possibly because of postwar-radiation-related birth defects.  They have been training for an upcoming, prearranged final battle between all the existing national governments; the military units are very possibly robotic or entirely digital in nature, so as to avoid wasting materiel / human life.    They ultimately win the battle, just barely; I think the girl protagonist gives them an edge in the competition by hacking the timing / control system in favor of their team, causing a discrepancy which only the boy protagonist notices due to his heightened perceptions.  It was agreed that the winning government gets dominion over one of the few islands of land left that was not irradiated in some previous war; the protagonists get to live there as a reward for their victory.  I believe the boy protagonist later realizes he's gradually losing his ability to exactly quantify the passage of time.  Published no later than 2004, likely somewhere between 1980-2000, probably sometime in the '90s. Is there a keyboard shortcut to "unselect" in Windows Explorer? How to solve "permission denied" when using sudo with redirection in Bash? How to squeeze error message out of PDO? What is the difference between public, protected, package-private and private in Java? In Java, are there clear rules on when to use each of access modifiers, namely the default (package private), public, protected and private, while making class and interface and dealing with inheritance? To mean "He is a friend of mine who I love" or "He is a friend of mine that I love", can I say "He is a friend of mine I love"? When I omit "who" or "that" in that sentence, it sounds wrong to me. I think I am not used to that structure. What do you think?  Note: I know (that) relative pronouns can be dropped like in "He is someone (that/who) I love", but in the sentence I gave, I think it is wrong to omit it because "a friend" was already modified by "of mine".  Context: I am talking about a friend, and I am saying I love him. How do I get permissions to edit system configuration files? I can't seem to edit and save config files in the root system (eg: /etc/dhcp/dhcpd.config); it just says "permission denied" or the save option is blocked in the text editor.  I'm pretty sure I'm a root user, but how do I make sure? If I am a root user, how do I fix this? lstlisting: how to set code color and frame color Workarounds for Sites page to update standard object?