A bit of background:  My wife and I have a combined income of over $100k (before taxes, retirement, etc). We both put 15% of our paycheck into a 401(k), and we have no debts of any kind. We pay off our credit cards in full every month.  Currently, we are saving for a down deposit on a house, and as a result we have $35,000 that is just sitting in my bank account. We live modestly and save around $3000 a month so our savings are growing quickly.  My question is: what should I be doing with this money while we save for a down deposit? I know it is bad to simply keep money in a bank account due to inflation, missed investment opportunities, etc, but we want the money to be easily accessible when it comes time to purchase a house. Is there a wise, safe investment strategy I can make that will allow me to easily and quickly withdraw the money when the time comes?  Some of our friends advise us to purchase a house now, but we are trying very hard to get to a 20% down deposit, which would be around $50k for the kinds of houses we have in mind.
We currently have two rewards checking accounts.  We are nearing the maximums permitted on each account, after which we receive .5% and .25% APY.  It's within our means to perhaps open another one, but at that point we are looking at using our debit cards 50 to 55 times a month.  I feel that running that number of debit transactions is getting out of hands as it's just the two of us.  I realize there are easy ways to game the system, but I want these things to stay around and another person doing just such that could lead to the ends of these accounts.  We are saving towards a new house down payment.  As such we don't require these funds to be fully liquid, but would still like to remain free of as much risk as possible -- however I realize we are unlikely to find anything near our rewards checking accounts (4% APY interest for meeting various rules: direct deposit, a certain number of debit card transactions, and not receiving a paper statement), but would hope we can get at least half of that.  We aren't fully sure when we will be buying, but we are probably a couple of years out.  For that reason I don't think CDs would work.  Even if we ladder them, when we need the money we will need it pretty much instantly.  Do I bite the bullet and just find the best available money market account?  What other options do I have that let me deposit monthly, and not have a timebomb associated to accessing that money that isn't in the initial lump sum?
How do you combine two jQuery search results? eg:  var $allFoos = $('.foo'),     $allBars = $('.bar')     $allFoosAndBars = $allFoos + $allBars;   Obviously, I just made up that last line, but I hope it makes it sorta clear what I mean. To be clear, the example is greatly simplified, and it could be any arbitrary sets i'm talking about, so $('.foo, .bar') is not what I'm after. I have an external hard disk, and for some reason, it is reporting wrong free space.  In Windows Explorer, it is showing the used space is 378 GB.    I tried running chkdsk H: /f /r, it seems to report the same usage as Windows Explorer, and it says that there is no problem.    But when I tried selecting all the files inside this drive, it is showing much lesser usage.    I've already set the setting to show all hidden files and folders, also show the protected OS files, but it still cannot find about those missing files. And the difference is huge (282 GB). I've already cleaned the Recycle bin as well.    What I am missing here and how do I identify those missing spaces?  [UPDATE]: I used  to help identify and it seems to find some gigantic files, of which filename is quite weird. Anyone knows what this is and is it safe to delete? If it was possible to dig a hole that went from one side of the Earth to the other... ...And you jumped in.  What would happen when you got to the middle of the Earth? Would you gradually slow down, until you got to the middle and once you were in middle would every direction feel like it was up? Why doesn't pressing enter return '\n' to getch()? #include &lt;stdio.h&gt; #include &lt;conio.h&gt; main() {     char ch,name[20];     int i=0;     clrscr();     printf("Enter a string:");     while((ch=getch())!='\n')     {         name[i]=ch;         i++;     }     name[i] = '\0';     printf("%s",name); }   When I give "abc" as input and if I press enter it's not working. Can anyone let me know why the condition ch=getch() != '\n' is not becoming false when I press enter? I have also observed that ch is taking \r instead of \n. Kindly let me know. Thanks What would I do if I want to have a generic method that only accepts types that have overloaded an operator, for instance the subtraction operator. I tried using an interface as a constraint but interfaces can't have operator overloading.   What is the best way to achieve this? Reflexive and relation Please give me feedback on my answer to this question. Question:  For all $x,y\in R$ define that $x\equiv y$ if $x^{2}=y^{2}$. Then $\equiv$ is an equivalence relation on $R$, there are infinitely many equivalence classes, one of them consists of one element and the rest consist of two elements. Answer: False, since;  $x\equiv y$   if $x^{2}=y^{2}$  on $R$  To show $\equiv$   is reflexive, we need to show that ,  $\forall x\in R:X\equiv x.$  Let $x\in R$,   $X\equiv x$   if $X^{2}=x^{2}$  , which is obvious.  $[x]\triangleq:\{y\in R/x\equiv y\}$  $[0]=[y\in R/0\equiv y\},$  when $y=0$,  Then $y^{2}=0^{2}=0$  Thus; there are not many infinity many equivalence classes. Interpretation of interaction term Story about a trip to a Valley of Sound List of blogs to learn more about Ubuntu Add blogs and websites that are useful in the quest to know/learn more about Ubuntu.  One blog per answer, please - you can vote answers up/down as you feel appropriate. If you feel the blog is biased towards or is good for particular tasks, please mention them. Are (un)tapped permanents still legal targets for "(un)tap target permanent" effects? So I noticed that many cards with tap-effects ship with a clause specifying that they can only be used on untapped permanents, such as  and .  So here's my question:   Doesn't that imply that, given the right situation, one can legally tap an already tapped permanent?   I'll give an example of the kinda scenarios this is relevant for: Can  activate her first ability when no untapped cards are around? Or, thinking untap-effects, could I bounce a forest with  even when there isn't a tapped creature available?  Notice that, unlike the previous batch of examples, the wording on these lacks the clause restricting their use to un/tapped permanents - does that mean that they aren't?  Any kind of clarification would be greatly appreciated here. Is there an English term for "L'esprit de l'escalier"? Counting surjective functions We have $r$ objects and $n$ boxes. I have to count all the combinations possible if the objects and boxes could be both different. If that happens I can count the number of variations from $n$ to $r$ (number of functions between objects and boxes). I mean, $n^r$.  But if I have to count all the combinations possible if anyone of the boxes is empty ($r\ge n$). Now I have to count the surjective functions.  For example if I have $r$ objects and 1 box. The number of surjective functions is 1. Then, if I have $r$ objects and 2 boxes, the number of surjective functions is $2^r-2$. And finally if I have $r$ objects and 3 boxes, I will count $3^r-2\cdot[3\cdot2^r-3]$. How do I get the formula for $r$ objects and $n$ boxes? Suppose there are several journals with the same impact factor. Is it better to submit my papers to one of them or each time I finished a manuscript it is better to submit to an equally good journal that I have not published in yet.  I am early in my career and I already published two papers in the same journal and I am going to finish my third paper, which potentially can be published in the same journal as my previous two papers. Crick’s Central Dogma — Counter Cases Browsing through a copy of Counterexamples in Analysis (Gelbaum  &amp; Olmsted), I'm quite enjoying the typeface used for 'script' letters (see links to examples below); visually it's somewhere between what I'd now call calligraphic and fraktur, and semantically it's used where now we'd use mathcal, mathfrak or mathbb.  I was therefore procrastinatiously looking for a LaTeX-usable font to include these characters, but couldn't seem to find any. I'm certain they're not unique to this text or publisher, so figured my lack of success was probably more to do with searching with the wrong keywords. If anyone has any ideas I'd be grateful. How to close ports / disable services? I just portscanned my system with nmap and got the following result:  PORT    STATE SERVICE 25/tcp  open  smtp 631/tcp open  ipp   what are these services and how i do disable them? probably i don't need them. How to read the content of a file to a string in C? Rules for forming demonyms Are there specific rules / conventions at play when creating demonyms? Or are they merely formed organically over time - the most popular winning out?  There are many suffixes to choose from, but I cannot find concrete guidelines as to which is proper to use in which instance. I noticed that the reputation from the main site carried over to meta on Gaming (at least the first upvote), I guess that doesn't work the other way around, right?  Is it then impossible to have a meta reputation higher than the site reputation? Compute volume of tetrahedron using a triple integral I'm trying to compute the volume of a tetrahedron with the vertices (0, 0, 0), (0, 0, 1), (2, 0, 0), (0, 2, 0). It needs to be done using a triple integral. Not allowed to use "det" or other functions.  I think first I need to find a plane equation using those 4 points right? But how do I do that?