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“Get rich quick never work.  You will lose your money. Saving faithfully over time will always build wealth- it just takes a little while”  _Dave Ramsey Financial Peace University

 “Don’t put all your eggs in one basket”   _Unknown

“A good man leaves an inheritance for his children”  _Proverbs 13:22 (NIV)

5 Tips for Getting Started With Investing - Vanguard

The power of compound interest

How to Spot Investment Scams

 Tip: from Ric Edelman (Financial Planning - Edelman Financial)

"When there is a downturn in the market you need to stop taking money out of your portfolio of your long term investments to cover expenses. You should have 2 years worth of savings and use these savings to cover expenses above and beyond any social security or pension coming in. This is to prevent taking money out when the stock market fell a lot and your portfolio has fallen a lot in value. You dont want to run out or money in this scenario. As significant downturn is when you need to take >= 5% of your portfolio for over a year"

FINANCES - Vanguard Personal Advisor‎ 
Get a customized financial plan to help you reach your goals for less.
Partner with an advisor · Minimize your taxes · Investment Coaching.
At Vanguard-open account you can also go online, open an account under the Personal Investor section and decide if you are opening a regular investment account or a retirement account (Roth, IRA). Fill the online application, set it up, link it to your checking account and fund it. You can add to it automatically or manually moving forward all online. Two good mutual funds from Vanguard to start
investing: Vanguard 500 Index Fund or Vanguard Total Stock Market Index Fund.

The Bogleheads community:  Bogleheads are every-day citizens with an interest in investing and personal finance. The members not only discuss their own financial issues, but enthusiastically provide help to others. The Bogleheads Community encompasses the forum, the wiki, two investment books (The Bogleheads' Guide to Investing and The Bogleheads' Guide to Retirement Planning), a presence on Facebook and Twitter, and The John C. Bogle Center for Financial Literacy. Taken together, we're attempting to reach out and provide education, assistance and relevant information to investors of all experience levels in as many ways as possible.

Check out your broker, your mutual fund expenses and the latest scam at this securities regulator

To find a full service financial planner go to Napfa ... 

Other places that you can go and create an investment portfolio for a small fee:

Free tools to evaluate your portfolio:
1) Personal Capital: Financial Software and Wealth Management (they can also help you with a budget so you can take control of your money now. Will help manage assets and investments, get objective advice and strategiess. Good for those planning financial freedom. They have a spreadsheet for retirement.

DRAFT - Investment Analysis You Can Understand DRAFT uses crowd sourced data to create the ultimate investment benchmark for investors with a long-term strategy.You can compare your Returns, Allocation, and Fees to those of your investment peers—specifically the top 10% (using historical 5 year return) for each category.The DRAFT analysis includes portfolios from your peers as well as some of the largest investment firms in the world.

FeeX, easily reduce your investment fees and retire with more. is a free service that finds and helps you reduce fees in your IRA, 401(k), 403(b), brokerage and other investment-type account

At EMMA: Municipal Securities Rulemaking Board you can find the  cost of 

buying and selling municipal bonds. Just type the name of the bond you have.

Check out for financial blog

Go to or  and they will show you banks offering high interest rate on savings accounts, certificate of deposit and money market accounts. Online banks can afford to offer higher rates because they don’t have expenses such as branch offices. Also go to individual bank Web sites too as the rates listed there can be better than the ones at secondary sites.

 Brokerage services buying guide

Brokerage services and financial institutions like banks may charge you $55 or more to help you purchase short term T-bills, Treasury notes maturing in 2-10years, Treasury Inflation-Protected  Securities (TIPS) or 30 year Treasury Bonds. If you go to they let you buy them in multiples of $1,000 at no charge. links to the publications section of the Office of Investor Education and Assistance Web site that has several brochures regarding investments such as “Invest Wisely: An Introduction to Mutual Funds and Mutual Fund Fees and Expenses”

 Learn about stocks, bonds and mutual funds by taking free investing classes at   If you pass the test at the end of each course you might earn a Morningstar subscription.

 Don’t miss out if your company matches any part of your contributions to a 401K. It’s free money on top of a tax break since what you set aside is not subject to income tax. The boost the match gives your retirement can be astounding.

 Online financial calculators are a good way of determine what you need at retirement. The more detailed the online questionnaire the better your estimate will be. Examples of online calculators are at,, and


 The National Association of Unclaimed Property Administrators is holding billions of unclaimed stocks, dividends, life insurance proceeds, bank accounts and other assets that are unclaimed. To find out if any of these assets are yours got to or . They do not charge any fees for the service.

For tracking investment portfolios and getting advice and compare go to .

Join a women’s investment club. Find one through the NAIC Web site,

Join a money club which is a support group that pools resources to learn about saving and investing:

Use Schwab Intelligent Portfolios™ - Automated Investment ... to set up a custodial account for your child. It will build long term wealth until your child reaches adulthood based on goals you are trying to reach.

The RIC-E TrustThe Retirement InCome — for Everyone Trust® (called the RIC-E Trust® for short, pronounced RICKY) is a way for parents, grandparents and others to help a child they love enjoy a more financially secure retirement. The idea is to let you set aside money that grows without taxes until the child reaches retirement age. The account also grows outside of the donor’s estate.

1st time investor with $1000 or want to open an account for a minor? You can open a Roth IRA account and fund it with the

Vanguard - Vanguard STAR Fund which starts with accounts between $1,000 and

 $3,000. You can do it for yourself or a minor that is working. You can talk to a 

Vanguard retirement specialist if you are the custodian.

If you want to hire an adviser instead of doing it yourself .. it is easy to protect 

finra and put the name of the adviser or the name of their firm and get their history.

2) Get a 2nd opinion or even a 3rd opinion
3) Google the name of the person to see what comes up
5) Last question and the most important one: Ask them "Are you a fiduciary?" Fiduciary means that he/she is legally obligated to serve his/her client's best  interest. Not everybody is required to be or is a fiduciary. And even if they say to you that he considers himself a fiduciary it doesn't mean necessarily that he actually is a fiduciary. Ask an adviser if they are willing to sign a
Fiduciary Pledge: Download the Fiduciary Pledge or give you something similar in writing.
6) Finally.. when you start investing never send or make a check directly to the adviser or its firm. Make sure this advisor has a separate well recognize institution (like Vanguard or Schwab or Fidelity) where there is an account under your name were you send your check. Just make sure that the account in that financial institution is in your name not in the name of the advisor or his firm.

I don't recommend individual stocks if you are serious about investing. But if you just want to have fun and experiment using your beer or cigarette money (nothing serious) use Robinhood - Free Stock Trading, were you can buy stocks with no trading costs and no commission


You might have a coin worth thousands. To find out if you do visit or


Phantom Riches

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John Bogle and the Vanguard Funds

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