Search found 8 matches

by Bankroll
Tue Nov 12, 2019 10:45 pm
Forum: Personal Investments
Topic: New member, and advice seeker..
Replies: 15
Views: 1405

Re: New member, and advice seeker..

Testing the waters" with 22k sure sounds more like gambling or speculation. "Testing the waters", and talking about picking high risk funds, was not a realistic way to look at investing. As you can see, I took a more conservative initial route, with a 60/40, and cash AA. The $22K was just sitting i...
by Bankroll
Tue Nov 12, 2019 4:07 pm
Forum: Personal Investments
Topic: New member, and advice seeker..
Replies: 15
Views: 1405

Finally made a move...

... the more I read, (mostly Bogleheads, wiki, Morning star,and some John Bogle interviews. I realized not only my lack of knowledge, but also my carelessness in thought. But sitting on the sidelines is also careless. Today I made my first fund purchases with Vanguard. 1). VTSAX , $6,000 2). VBTLX ,...
by Bankroll
Sat Nov 09, 2019 5:07 pm
Forum: Personal Investments
Topic: New member, and advice seeker..
Replies: 15
Views: 1405

Re: New member, and advice seeker..

You can invest in Vanguards total market index ETF such as VTI https://investor.vanguard.com/etf/profile/VTI I am leaning towards the VTI as a primary fun at 70%, and as a secondary high risk ETF like VGT,(info tech) or VXF (extended market) Those secondary choices are high risk, so 30%. 70/30. Any...
by Bankroll
Fri Nov 08, 2019 4:35 pm
Forum: Personal Investments
Topic: New member, and advice seeker..
Replies: 15
Views: 1405

Re: New member, and advice seeker..

"What is your goal for these funds? This makes a big difference." These funds are more of a primer, to build confidence, and knowledge before making larger investments. I have a small pension, social security, and low overhead. I am still self employed, though reduced hours, I can't see myself not ...
by Bankroll
Fri Nov 08, 2019 3:42 pm
Forum: Personal Investments
Topic: New member, and advice seeker..
Replies: 15
Views: 1405

Re: New member, and advice seeker..

deikel wrote:
Fri Nov 08, 2019 3:10 pm

Out of curiosity, how did the single stocks from 20 years ago do ? in average gain per year ? more then 8% average ?
In April 1999,I bought 40 shares of Microsoft for $3,775, and now it is 80 shares(split), worth $11,638. The last 2-1/2 years it really took off.
by Bankroll
Fri Nov 08, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Question for Car experts - how urgent/important are these maintenance items
Replies: 36
Views: 3389

Re: Question for Car experts - how urgent/important are these maintenance items

Squeaking is usually a loose belt or a failing belt tensioner. Get another estimate. Coolant, as with brake fluid and engine oil, deteriorates with age. I replace mine every 3 years. You can always go on a Toyota forum to see what others have done. Three years on coolant life is out of date informa...
by Bankroll
Fri Nov 08, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Question for Car experts - how urgent/important are these maintenance items
Replies: 36
Views: 3389

Re: Question for Car experts - how urgent/important are these maintenance items

Unless the coolant has been tampered with, it will be fine for now. Check your owners manual for service recommendations. Belts these days go 120-150K miles. My dayco belt service guide shows allowable cracking. I would not change the belt yourself, as other items should be checked at the same time....
by Bankroll
Fri Nov 08, 2019 1:25 pm
Forum: Personal Investments
Topic: New member, and advice seeker..
Replies: 15
Views: 1405

New member, and advice seeker..

...I am a late starter in the investing game, except for a a few stocks purchased 20 years ago in a TD Ameritrade account. Also, I did try a brokerage firm a couple of years ago, but was not happy with their performance, after fees, and taxes. This week I opened a Vanguard account, and would like to...