Yes. Vanguard is a trusted leader in low-cost investing due to low expense ratios on index and exchange-traded funds. Its founder, Jack Bogle, invented index funds. Its services are ideal for buy-and-hold and retirement investors looking to build wealth over the long term.

With Vanguard\n\n Vanguard is owned by its funds, which in turn, are owned by their shareholders. With no other parties to answer to and therefore no conflicting loyalties, Vanguard makes decisions, including the decision to keep investing costs as low as possible, with clients' interests in mind.

In fact, the value 16 is said to be the worst hand one can have in blackjack. Since sixteen of the other fifty cards have a value of 10 and four have a value of 11, there is a strong chance of getting at least an 18 with either or both split cards. A hand totaling 18 or 19 is much stronger than having a 16.

While luck certainly does have a part to play in Blackjack, there is a lot of skill that goes into playing the game. How much skill or strategy you use depends on the time and effort you are willing to put into learning these skills. One such skill is card counting-not like by casinos but certainly not illegal.