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ROGER DETERT

65, retired, Clearwater

Q. How did you get started in investing?

Just by reading and watching finance shows on TV. I started 15 years ago.

Q. What is your best investment so far?

Harley-Davidson. It's by far the best stock I have.

Q. What is your worst investment so far?

The Internet stocks: Intel and Cisco. And Checkers.

Q. What have you learned about investing that you think all investors should know?

With a little knowledge and reading, I can do as well as the mutual funds managers, from my personal experience.

Q. How would you describe your approach to investing?

I'm kind of a gambler. Aggressive, I would say. All investing I do now is buying stock.

Q. What do you find the most difficult about investing?

Which time to buy. Sometimes I kind of hit it when it's higher than it should be.

Q. How are you invested now?

Eighty percent stock. The rest is land and real estate.

Q. What changes, if any, have you made in your investments in the past year?

I've sold my annuities. Dumped 'em. I've had them for eight years and they've hardly gained any value.

Q. Do you think now is a good time to invest?

Yes, because I think the president will stay the same and that will give a boost to the market.

Q. What is your goal for your investments?

I just don't want to lose anything. And to leave something to my children and lead a comfortable life.

Q. What is your biggest money concern right now?

That there might be another terrorist attack on the United States and the stock market would dump.

_ FRED W. WRIGHT JR., Times correspondent

The Times Money Panel is composed of more than 500 readers who have signed up to share their opinions on making, saving and spending money.

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