I've got a large amount of money (for me) in a US large cap index fund, with a 0.25% expense ratio.  I've recently gotten back into investing after a long hiatus, and am now putting most of my money into VOO for its ridiculously low expense ratio.  But my question is - what should I do with the money currently in the older index fund? I don't think it's in a bad spot, and the fees are super low, relatively speaking, so by my estimates I'm not really saving that much by moving that money into VOO, and indeed I'll pay capital gains on it.  But at 40 years old, I have another 20+ years of compounding to go before I'll start withdrawing from my investments. I feel like in this situation, I feel like the right idea is to just keep old money where it is since the expense ratio is reasonably low and invest new money into something cheaper, e.g. VOO.  But are there any other considerations I should think about here, considering my age, time horizon, etc.?
Assuming I'm paying long term capital gains tax, what is the break even point where it is more worthwhile to switch from one fund to another?  For (a hypothetical) example, if I have a fund with an expected return of 3.5%, what would be the minimum expected return of another fund to make it worthwhile to pay the capital gains tax and switch to the other fund?  (I'm assuming the answer to this question is an equation involving investment horizon, capital gains tax rate, and my current taxable gains)
Expected time to roll all 1 through 6 on a die What is the average number of times it would it take to roll a fair 6-sided die and get all numbers on the die?  The order in which the numbers appear does not matter.  I had this questions explained to me by a professor (not math professor), but it was not clear in the explanation.  We were given the answer $(1-(\frac56)^n)^6 = .5$ or $n = 12.152$  Can someone please explain this to me, possibly with a link to a general topic? How to select polygons facing camera instead of polygons located in the opposite side I want to select marked face:    however back face gets selected:    Is there an option in blender to only select facing polygons camera ? How to "add existing frameworks" in Xcode 4? Can a coin with an unknown bias be treated as fair? use EntityFieldQuery to find user based on profile field value I need help making a TRIGGER that compares two dates being entered into a table, but I'm not 100% on the syntax I should use.  Something like:  CREATE TRIGGER chk_dates    BEFORE INSERT ON `job_history`    FOR EACH ROW     BEGIN       IF( NEW.end_date &lt; OLD.start_date ) .../// error, don't insert data       ELSE .../// allow the data to be entered   My table job_history will have a start_date, and when end_date is entered, I want it to check to ensure that it isn't prior to start_date.    How do I accomplish this? How to find and return a duplicate value in array I've just been searching around the net for version control that has some support for graphic/Photoshop files. We're currently using BitBucket which is free and unlimited when it comes to file size but doesn't have any design review tools.  Here's what I've found. Does anyone else have any recommendations?  Pixelapse – Free/Beta, works well. Now has layer comp support.   Shipment – Private Beta (waiting for an invite)   LayerVault (out of business) – Windows/Mac, has layer comp support   PixelNovel – SVN Version control for Photoshop   CAD only?! But looks really good.   FileTrek – Very enterprise. No price or demo.   Kaleidoscopeapp – GIT with image compare   Apps that copy files with an incremented version I have just downloaded "ubuntu-14.04.1-desktop-amd64.iso" and "ubuntu-14.04.1-server-amd64.iso" through "".   Please can someone confirm the maximum RAM that is supported.  According to many sites, Maximum RAM supported by the OS  ubuntu-14.04.1-desktop : " 2^64 bytes " -- Kindly confirm  ubuntu-14.04.1-server : " 2^64 bytes " -- Kindly confirm How to make clickable links and cross-references in pdfs produced by LaTeX? AWS dynamodb support for "R" programming language What other languages have features and/or libraries similar to Perl's format? Dependency injection and Libraries/Frameworks This appears to be related to the behavior originally suggested in .  It appears to be the same issue raised in , but this post has specific steps to reproduce the issue.  Here's what happened on one site in the network earlier today:   A question was posted much earlier Someone came along, and as an unregistered, new user with no other activity, posted a spam answer to that question at 04:36:54 UTC That same user posted a comment on their own answer with the same spam link at 04:37:31 UTC The answer was deleted as spam via community votes at 07:32:07 UTC A high-rep user saw the comment and raised a custom flag on it as being spammy at 07:32:54 UTC The unregistered user account was destroyed by a moderator at 08:13:10 UTC The comment now shows as "deleted by Anonymous" with a deletion time of 08:13:10 UTC The flag on the comment remains, but the only options are "Edit" and "Decline"; there is no "Delete" action   That there is no "Delete" action possible on the flag is reasonable, since the comment is now deleted. However, the flag is/was legitimate, so to decline the flag would be wrong. There's also nothing to leave while editing out the spammy part of the comment, as the comment consists solely of the same spam URL.  There is also no undelete option on the comment, so it's not possible to undelete the comment and then mark the flag as helpful by re-deleting the comment.  Effectively, this means that while the comment itself is effectively gone, the flag on it is in limbo and there is no good choice for what to do with the flag.  When deleting comments normally, my understanding is that any flags associated with those comments are automatically marked as helpful. However, it appears that the deletion of comments when destroying the user who posted them does not do that.  Therefore, I suggest that whenever comments are deleted as part of the owning user being destroyed, any pending flags against those comments should be marked as helpful at the same time.  It would also be a nice touch if those comments showed as deleted by Community♦, instead of Anonymous, but that's less of a concern in my case. Show that $(\mathbb{Q}^*,\cdot)$ and $(\mathbb{R}^*,\cdot)$ aren't cyclic I'm reading a book about abstract algebra, but I'm having trouble solving this excercise: "Show that $(\mathbb{Q}^*,\cdot)$ and $(\mathbb{R}^*,\cdot)$ aren't cyclic"  Where $(\mathbb{Q}^*,\cdot)$ is the group of nonzero rational numbers under multiplication and $(\mathbb{R}^*,\cdot)$ is the group of nonzero real numbers under multiplication.    Here is my attempt for the first.  Suppose $(\mathbb{Q}^*,\cdot)$ is cyclic, then $\mathbb{Q}^*=\langle\frac{p}{q}\rangle=\{(\frac{p}{q})^n,n\in\mathbb{Z}\}$, where $p$ and $q$ are coprime.  $\frac{2p}{q}$ is also in $\mathbb{Q}^*$ so it must be equal to $(\frac{p}{q})^n$ for some $n\in\mathbb{Z}$.  To solve $\frac{2p}{q}=(\frac{p}{q})^n$, I take a logarithm of both sides and end up with $1+\log_\frac{p}{q}(2)=n$, since $n$ is an integer $\log_\frac{p}{q}(2)$ must be an integer too, but it is possible only when $\frac{p}{q}=2^{\frac{1}{k}}, k\in\mathbb{N}$, (i.e. $\frac{p}{q}$ is a k-th root of $2$), but $k$ must be $1$ for $2^\frac{1}{k}$ to be rational so $\frac{p}{q}=2$ contradicting the hypothesis of $p$ and $q$ being coprime.    However I don't know whether this is a proper proof and the same reasoning cannot be applied to $\mathbb{R}^*$, I'd like you to just give me an hint towards a proof, without telling me the whole proof, if possible. What is the limit of series $\frac{1}{2 \cdot 3 \cdot 4} + \frac{1}{4 \cdot 5 \cdot 6} + \frac{1}{6 \cdot 7 \cdot 8} + \cdots $?  The $n$th summand is $\frac{1}{(2n)(2n + 1)(2n+2)} = \frac{1}{4} \frac{1}{n(2n+1)(n+1)}$.  I have tried expressing this as a telescoping sum, or as the limit of Riemann sums of a partition (the usual methods I normally try when doing this type of question- what are some other strategies?) How to search inside files on Windows 7? In Windows XP we can search for files that contain a defined keyword (inside all files types).  Windows 7 can look inside files for a keyword, but only for text files. (*.doc, *.txt, *.inf, ...), not (*.conf, *.dat, *.*, ...).   don't contain any filter I can use for this.  How is this possible? Badge progress reports Is there a way to view your own progress towards certain badges? For example:   Tumbleweed - What value constitutes low views for a week? Fanatic  – Is there a way to view how many days in a row you currently have? Beta – Is it even possible to get this badge anymore? How do I color table columns? I've found question , but the link to the documentation isn't helping me at all.  I'd like to know how to color a table column given my column code, but the documentation only gives the syntax of the command. It doesn't give any code example of where to use it.  \usepackage{colortbl}  \begin{table}[h]     \centering     \begin{tabular}{|c|c|c|c|c|c|c|c|}         \hline         \cellcolor[gray]{0.8}128&amp;64&amp;32&amp;16&amp;8&amp;4&amp;2&amp;1\\\hline         1&amp;0&amp;1&amp;1&amp;0&amp;1&amp;0&amp;1\\\hline     \end{tabular} \end{table}   As you can see, I got \cellcolor to work, but I don't want to color individual cells. I want to color a whole column of the table. Does anybody know how I can go about to do this? sudo apt-get upgrade installs all updates, not just security updates. I know that I can use Update Manager to select only important security updates, but is there a way to do this from the command line?