My situation:   I'm 24, single, and I live with my parents in the United States I have no debt and I have 100k in a savings account I have a 90k job I am currently maxing out my 401k  I have no experience with investing and no family with any experience    My company offers a discount deal for managed 401k accounts with Alight for half of a percent, which I am using.  I recently started looking at this site and realized that due to inflation, I am losing money by having that much in my bank account. I'm not sure how much I have lost but it must be a lot.  From reading other questions, I am interested in dumping some of my savings into  Index funds which rise with inflation. Admittedly I don't know much about it.  My parents have suggested that I consider buying a house as an investment and renting it. With my savings I could put down a larger down payment to get a better deal on a mortgage. They said they would help me fix it up and that I could  live with them until I decided to move into the house in the future.  I understand that property should not be thought of an as investment and that there could be another crash like in 2008 at any time. But I still think that is an interesting suggestion.  Question 1: Any suggestions where to invest my saving account money, especially options not presented? In principle, is getting a house with a bigger down payment a good idea?  On the new investing options side:  I have plenty of room to invest more per month.  After my monthly part of the bills, rent, groceries, and putting some away  for fun stuff, I can afford to invest 3k per month.  I have read a lot  about Index funds, Vanguard, and Roth IRA on this site but I don't understand most of it. While I continue to study, where is a good place to immediately put this extra money instead of letting it deteriorate in my savings account?  Question 2: Is there a basic advice where to invest after maxing out a 401k?  Lastly, what are some good sources to start researching some investing concepts?
I am young, just started my career, and looking to begin investing so I can make my money work for me. I'm still living like I did in college (occasional purchase on myself, but most of it goes into savings) and I would like to take the extra money and invest it.   What would you suggest are the best options for me to begin? I was considering getting a personal investor [a financial advisor] for perhaps a year or so, but I've heard that they really are not worth the money. I wanted to get the input of the great minds here.
Adding dynamic graphics to an animation natbib and hyperref create by default two links to the bibentry in the reference section|chapter of the document:   \begin{filecontents}{\jobname.bib} @book{author08, title = {{A Title}}, publisher = {Alpha}, year = {2008}, author = {Author, A}, address = {London} } @book{buthor90, title = {{B Title}}, publisher = {Bravo}, year = {1990}, editor = {Buthor, B}, address = {New York} } \end{filecontents}  \documentclass{article}  \usepackage{natbib} \usepackage{hyperref} \hypersetup{colorlinks,citecolor=red}  \begin{document}  \noindent citet: \citet{author08}, \citet[see][p. 20]{author08} \\ citep: \citep{author08}, \citep[see][p. 20]{author08}  \bibliographystyle{plainnat} \bibliography{\jobname}  \end{document}     In order to avoid two links to the bibliography (one for the [author] and one for the year [year], respectively), I took  to an older question and added it to my preamble.  \usepackage{etoolbox} \makeatletter  \pretocmd{\NAT@citex}{%   \let\NAT@hyper@\NAT@hyper@citex   \def\NAT@postnote{#2}%   \setcounter{NAT@total@cites}{0}%   \setcounter{NAT@count@cites}{0}%   \forcsvlist{\stepcounter{NAT@total@cites}\@gobble}{#3}}{}{} \newcounter{NAT@total@cites} \newcounter{NAT@count@cites} \def\NAT@postnote{}  % include postnote and \citet closing bracket in hyperlink \def\NAT@hyper@citex#1{%   \stepcounter{NAT@count@cites}%   \hyper@natlinkstart{\@citeb\@extra@b@citeb}#1%   \ifnumequal{\value{NAT@count@cites}}{\value{NAT@total@cites}}     {\ifNAT@swa\else\if*\NAT@postnote*\else%      \NAT@cmt\NAT@postnote\global\def\NAT@postnote{}\fi\fi}{}%   \ifNAT@swa\else\if\relax\NAT@date\relax   \else\NAT@@close\global\let\NAT@nm\@empty\fi\fi% avoid compact citations   \hyper@natlinkend} \renewcommand\hyper@natlinkbreak[2]{#1}  % avoid extraneous postnotes, closing brackets \patchcmd{\NAT@citex}   {\ifNAT@swa\else\if*#2*\else\NAT@cmt#2\fi    \if\relax\NAT@date\relax\else\NAT@@close\fi\fi}{}{}{} \patchcmd{\NAT@citex}   {\if\relax\NAT@date\relax\NAT@def@citea\else\NAT@def@citea@close\fi}   {\if\relax\NAT@date\relax\NAT@def@citea\else\NAT@def@citea@space\fi}{}{}  \makeatother     Which gets me almost where I want to be, but leaves me with two issues I would like to be solved:   while \citet includes pre- and postnotes in the link, \citep doesn't. How can \citep be changed to include postnotes? is there a way to color the brackets and commas that are typeset in black in the unmodified first example also in black in the modified second example without removing them from the link? How can I make a hexagonal grill? How would I be able to create a grill of sorts found on the front of some computer cases such as this one Should the first word after a colon be capitalized? Why is variance squared? The mean absolute deviation is:   $$\dfrac{\sum_{i=1}^{n}|x_i-\bar x|}{n}$$   The variance is: $$\dfrac{\sum_{i=1}^{n}(x_i-\bar x)^2}{n-1}$$   So the mean deviation and the variance are measuring the same thing, yet variance requires squaring the difference. Why? Squaring always gives a non-negative value, but the absolute value is also a non-negative value. Why isn't it $|x_i-\bar x|^2$, then? Squaring just enlarges, why do we need to do this?  A similar question is , but mine is a little different. Thanks. Why do we use ./filename to execute a file in linux?  Why not just enter it like other commands gcc, ls etc... My linear algebra professor proved that      Diagonalizable matrices with complex values are dense in set of $n \times n$ complex matrices.   He defined a metric (I believe) that was somehow related to the usual metric on $\mathbb{R}^{n^2}$.  Then somehow proved that diagonalizable matrices were dense because for any matrix $A$ if $\det(A - \lambda I) = 0$ on an open subset, then $\det(A - \lambda I)$ was the zero polynomial.  I Googled around a bit and found some stuff talking about the Zariski topology, and I am not sure this is what I want. Most of what I have found on this topology is much more general than what he was doing.  Does anyone know any resources that would explain how to go about proving this statement?  Edit: I found out how to prove this the way my professor did.  We define the norm of a matrix by $$ |A| = \max\{|Ax| : |x| = 1 \}.$$ Now we have a distance $d(A, B) &lt; \epsilon$. You can prove that if $(A - B)_{ij} &lt; \epsilon/n$, then $|A - B| &lt; \epsilon$.  Let $p(x)$ be the characteristic polynomial of $A$, an $n \times n$ matrix.  $$p(x) = \prod_1^n (x - x_i) = x^n + (-1)\sigma_1 x^{n - 1} + \cdots + (-1)^n\sigma_n$$ where $\sigma_1, \ldots, \sigma_n$ are the elementary symmetric polynomials of $x_1, \ldots, x_n$ which are the eigenvalues.  The discriminant of the characteristic polynomial is a symmetric polynomial, therefore it can be written in terms of the elementary symmetric polynomials, which in turn can be written in terms of the entries of the matrix.  But since the discriminant is a polynomial, it only has finitely many roots. Therefore for $\epsilon &gt; 0$, by changing the entries of the matrix less than $\epsilon / n$ we can find a new matrix $B$ such that $|B - A| &lt; \epsilon$ and the discriminant is not zero.   The discriminant being not zero means $B$ has distinct eigenvalues, thus has a basis of eigenvectors. Therefore, it is diagonalizable.  Thus the set of diagonalizable matrices is dense in the set of matrices with respect to that metric. failed to create symbolic link ‘/usr/bin/utserver’: File exists Can I use Named Credential merge fields as URL parameters on the endpoint? Convert String to Integer in QGIS tables Report sites that use Stack Exchange content without following attribution rules here NB The following is a community-generated list of websites that republish Stack Exchange content without attributing it properly. It is no longer being maintained, because the procedure for reporting such sites has changed; see the duplicate for more information. There are a number of license-violating clones of Stack Exchange sites popping up that use Stack Exchange's  data without following our Creative Commons attribution terms. Those terms are , and are also included as a .txt file in every data dump we produce.  Google now has  in search results. Also, you can :  The option to block a site appears when you click a search result and then navigate back to the search results page. Click the &quot;Block&quot; link next to that result to block all pages within the site's entire domain.   This post was created as an attempt to organize information originally posted . You may also be looking for . Why English pronunciation differs so much from written language, compared to German? Given that English is derived mostly from German, when Anglo-Saxons (German tribes) migrated to Britain, how do you explain that   although German has a strict correspondence between written language and spoken language (the sounds largely follow 1-1 what is written)... English has sooo intricate pronunciation rules, sometimes directly at odds with what is written? (Too bored to give examples, but it should be obvious).   My pet, tongue-in-cheek theory is that those tribes weren't too literate, didn't have a sound knowledge of the written form of words, so it was easy the pronunciation to follow its own independent path.   Anyone with a more informed explanation? Can all real polynomials be factored into quadratic and linear factors? How do you find out the caller function in JavaScript? function main() {    Hello(); }  function Hello() {   // How do you find out the caller function is 'main'? }   Is there a way to find out the call stack? How to access object attribute given string corresponding to name of that attribute When a user on our site loses his password and heads off to the Lost Password page we need to give him a new temporary password. I don't really mind how random this is, or if it matches all the "needed" strong password rules, all I want to do is give them a password that they can change later.  The application is a Web application written in C#. so I was thinking of being mean and going for the easy route of using part of a Guid. i.e.  Guid.NewGuid().ToString("d").Substring(1,8)   Suggesstions? thoughts? Photoelectric effect intensity I understand the PE effect quite well but I'm failing to understand one thing. Intensity is the amount of energy per second incident to a given area.   So can you can increase the intensity by either increasing the electrical energy or making the area smaller? By increasing the electrical energy, what exactly is happening?  I assume that by increasing intensity you are increasing the number of photons incident to an area of the metal thus increasing the rate of photoelectric emission. But why doesn't increasing intensity via more electrical power lead to greater energy of the electrons, if by increasing intensity you are increasing the energy of the incident waves?  I understand the results but I'm trying to understand why the intensity works the way it is thanks How do I pipe terminal standard output (stdout) to the clipboard? For example,   Say I want to list the contents of a folder and directly paste them into a chat window for a friend to see.    I realize I could do ls &gt; filename.txt to create a file (filename.txt) with those contents; I'd then have to open or print the file and manually select and copy the text block (which can be annoying/tedious.)  I clearly could also select and copy the output of ls directly from within the terminal window.  It would be much faster/easier to simply pipe standard output to the clipboard.  What terminal command allows me to do this? I'm trying to migrate a MySQL-based app over to Microsoft SQL Server 2005 (not by choice, but that's life).  In the original app, we used almost entirely ANSI-SQL compliant statements, with one significant exception -- we used MySQL's group_concat function fairly frequently.  group_concat, by the way, does this: given a table of, say, employee names and projects...  SELECT empName, projID FROM project_members;   returns:  ANDY   |  A100 ANDY   |  B391 ANDY   |  X010 TOM    |  A100 TOM    |  A510   ... and here's what you get with group_concat:  SELECT      empName, group_concat(projID SEPARATOR ' / ')  FROM      project_members  GROUP BY      empName;   returns:  ANDY   |  A100 / B391 / X010 TOM    |  A100 / A510   So what I'd like to know is: Is it possible to write, say, a user-defined function in SQL Server which emulates the functionality of group_concat?   I have almost no experience using UDFs, stored procedures, or anything like that, just straight-up SQL, so please err on the side of too much explanation :) How can I execute a function on pressing the enter key in an  field?