I'm new to investing and I've heard investors saying that the market always goes up, so in the long term, everybody is going to win. Is it true, if so then why doesn't everybody invest and get rich?
This question came up after reading , in which it is re-iterated (as it has been many times on this site), that investing in the stock market, especially an index fund that tracks the top 100 / 500 companies in a country, basically always has great returns in the long run.  So my question is: Why isn't everybody rich?  If it is so easy (basically invest as heavily as you can in your youth to be rich into middle age and older), why doesn't everyone do this? There would be no need for pensions or any other savings or financial security that way, why even bother investing in assets like property that you have to manage when you can just have an index fund work for you?  I'm guessing that something is being missed here.
I'm trying to install Windows 8 on my pc via Microsoft Virtual PC.  However I get this annoying, non-descriptive error:    I'm looking to find out if Microsoft Virtual PC supports Windows 8, and if so how do I solve this issue?  NOTE: I'm NOT trying to ask for alternatives to Virtual PC, but rather trying to figure out if it's possible, and if so how, to use Virtual PC. sqlplus doesn't work in Crontab /oracle/GR1/121/bin/sqlplus / as sysdba &lt;&lt;EOF &gt;&gt; $LOGFILE whenever sqlerror exit sql.sqlcode; set echo on; set serveroutput on; STARTUP; EXIT EOF   Already tried it with the path, but it hasn't worked. I'm having a difficulty in finding one way car rentals from Alaska, which I can return in Seattle.  Do all the main rental agencies restrict such one-way rentals, as they involve crossing through Canada, before entering the lower 48 states? Can someone show me a straightforward proof that  $\lim_{m\to\infty}(1+\frac{r}{m})^{mt}=e^{rt}$  Thanks! GPU Rendering causing strange lines When I render using my r9 390 graphics card, weird lines are appearing over the render. This problem has just started happening recently, as a few days ago I was rendering the same scene without the lines appearing. I don't believe I've changed any settings in Blender and the below scene is from a new file, so render settings should be default.   Rendering using my CPU is fine:   The only thing I can think that has changed is I recently updated my card to the latest drivers. Playing games with it is still fine and the card is quite new so I wouldn't think it's a problem with the card itself. Suppose one is trying to find the radius of convergence of  $$ \exp(x)=\sum\limits_{k=0}^{\infty} \frac{x^k}{k!} $$  This "proof" was given in the lecture: $$ \begin{align} r =&amp; \frac{1}{\limsup\limits_{n \rightarrow \infty}\sqrt [n]{|a_n|}} \\ =&amp; \frac{1}{\limsup\limits_{n \rightarrow \infty}\sqrt [n]{\frac{1}{n!}}} \\ =&amp;\lim\limits_{n \rightarrow \infty} \sqrt [n]{n!}\\ r=&amp; \infty \end{align}$$  Other proofs involving the ratio test also seem to inspect the convergence of $\frac{1}{k!}$ instead of $\frac{x^k}{k!}$. Why is one allowed to substitute $\frac{1}{k!}$? I have a 4GB DDR3 800Mhz recently I installed another 4GB. It turns out it's  DDR3 667MHz. Does it really matter I should own both rams 800MHz?    Slot1 shows recent RAM installation. ALSO I don't know if this is 1600MHz (it shows 800x2 and 667x2 for other) or just 800MHz ram. My singleton accessor method is usually some variant of:  static MyClass *gInstance = NULL;  + (MyClass *)instance {     @synchronized(self)     {         if (gInstance == NULL)             gInstance = [[self alloc] init];     }      return(gInstance); }   What could I be doing to improve this? Normal Subgroup Counterexample Im having trouble with the second part of this question,  Let $H$ be a normal subgroup of $G$ with $|G:H| = n$,  i) Prove $g^n \in H$ $\forall g \in G$ (which i have done)  ii) Give an example to show that this all false when $H$ is not normal in $G$.(which I am having trouble with showing)  Any suggestions? How to escape @ characters in Subversion managed file names? I am looking for a method to process a remote sensing image and extract the crown areas of the individual trees from the image.   I have both visual wavelength areal imagery, and lidar data from the area. The location in question is a desert area, so the tree cover isn't as dense as a forest area. The resolution of the aerial imagery is 0.5 feet by 0.5 feet. The lidar resolution is approximately 1 x 1 feet. Both the visual data and the lidar come from a Pima County, Arizona dataset. A sample of the type of aerial imagery I have is at the end of this post.   This question  seems to be the same issue, but there does not seem to be a good answer there.  I can obtain a reasonable classification of the vegetation types (and information about the overall percent cover) in the area by using the Iso Cluster classification in Arcmap, but this provides little information on individual trees. The closest I have to what I want is the results of passing the output of the isocluster classification through the Raster to Polygon feature in Arcmap. The problem is that this method merges near by trees into a single polygon.   Edit: I probably should have included some more detail about what I have. The raw datasets I have are:    Full las data, and a tiff raster generated from it. Visual imagery (like the sample image shown, but covering a much wider area)  Manual direct measurements of a subset of the trees in the area.    From these I have generated:    The ground/vegetation classifications. The DEM/DSM rasters. Disk full, du tells different. How to further investigate? Prove that a non-empty closed convex $S$ has an extreme point iff it does not contain any line I am wondering how to prove the following theorem: Let $S \subset \mathbf{R}^{n}$ be a non-empty closed convex set. Then $S$ has at least one extreme point iff $S$ does not contain any line. Extreme point $x \in S$ means that there is no couple of points $y, z \in S$ and $\lambda \in (0;1)$ such that $x = \lambda y + (1-\lambda)z$. I know that every non-empty closed convex set can be represented as an intersection of all closed half-spaces containing the set but I do not know if it is helpful in proving the theorem. Does anyone know any example that invalidates the following affirmation:     If a morphism $f:A\to A$ induces the identity $\hat f:\operatorname{Spec} \left( A \right) \to \operatorname{Spec} \left( A \right)$ then $f = \operatorname{id} _A $. Can Excel show a formula and its result simultaneously? Do I need a Kuwait transit visa as an Indian national? I am an Indian national and passport holder, traveling from New Delhi to Frankfurt (via Kuwait) and back with Kuwait Airways. I see no Terminal change for the onward and return journeys. I have no plans to leave the airport due to short layovers.  Do I need a Kuwait transit visa? As far as we know the gaze of the basilisk will instantly kill someone or eventually petrify him/her in case the gaze is somehow softened or reflected.   But why would it melt the film in Colin's camera? The film is just plastics with some specific chemicals.   A bit broader question would be - is the some information that the basilisk's gaze is somehow destructive to non-alive objects too and under what circumstances could it happen? Ugly 'post date' alignment on user profile when the date wraps into multiple lines I have a code that loops through all the Sites and Webs in a web application.  My code uses for..each loop to navigate through each site and web object.  I was wondering if we are required to dispose the SPWeb and SPSite objects when used inside a loop.  Codes:-  foreach (SPSite thisSite in siteAuditWebApplication.Sites) {  //My operation here  }  Similar to the above code I also have some part of code that loops through all the Web and Lists.  Do we have any best practice for disposing objects inside the loop,  or do i really need to take care about disposing the objects?  Thanks in Adv.. Sudhir One of the boys who always give/gives the correct answer is Samuel.   As per rule, one of is followed by plural noun/pronoun and singular helping verb, so we should be using gives in the sentence. But the answer is give.