====== 401k Rebalance ======

^  Date       ^  DOW       ^ Comment                                                   ^
| 2015.08.25  | 15,871     | Peak was 18,300-ish, was out of balance a percent or two  |
| 2024.11.20  | 43,408.47  | uh.. wow                                                  |

====== 401k Suggestions ======

from [[http://www.401khelpcenter.com/401k_education/allocation.html]]

  * **Age: Less Than 40** -- 100% in equities. Of this, 40% invested in large cap. growth funds, 25% small cap. growth funds, 25% in large cap. value funds, and 10% international. Another option is to use several good index funds.
  * **Age: 40 to 50** -- 80% in equities and 20% in fixed income. Of the equity portion, 40% invested in large cap. growth funds, 25% small cap. growth funds, 25% in large cap. value funds, and 10% international. Another good option for your equity portion is to use good index funds.
  * **Age: 51 to 55** -- 70% in equities and 30% in fixed income. Of the equity portion, 40% invested in large cap. growth funds, 25% small cap. growth funds, 25% in large cap. value funds, and 10% international. Another good option for your equity portion is to use good index funds.
  * **Age: 56 to 60** -- 50% in equities and 50% in fixed income. Of the equity portion, 40% invested in large cap. growth funds, 10% small cap. growth funds, 40% in large cap. value funds, and 10% international. Another good option for your equity portion is to use good index funds.
  * **Age: 61 to 65** -- Reduce equities by 5% per year and increase fixed income by 5% per year so that at retirement you have 25% in equities and 75% in fixed income. Of the equity portion, 40% invested in large cap. growth funds, 10% small cap. growth funds, 40% in large cap. value funds, and 10% international. Another good option for your equity portion is to use good index funds. 


====== Links ======

===== Suggest By CNN Money =====

They suggested 20, but I just picked the ones I thought were useful for me.

  * [[http://www.portfoliomonkey.com/]] - determining if your allocations are too risky
  * [[http://finance.google.com/]] - pick your next stock (P/E research, etc...)
  * [[http://www.mint.com/]] - finding ways you can save money and stretch / realize your budget
  * [[http://www.neighborhoodscout.com/]] - finding where you should live
  * [[http://www.trulia.com/]] - finding real estate that has been dropping lately (ready to move (motivated) sellers)
  * [[http://www.diyornot.com/]] - should I hire a contractor?
  * [[http://www.vitals.com/]] - best doctors in my network?
  * [[http://www.healthgrades.com/]] - which hospital should I go to?
  * [[http://www.truecar.com/]] - best price on a new car
  * [[http://www.pricegrabber.com/]] - best prices on electronics (I use this a lot hehe)
  * [[http://www.coupons.com/]] - coupons for stuff you already buy anyway
  * [[http://www.kayak.com/]] - flights (yes, it rocks)
  * [[http://www.charitynavigator.org/]] - should I give to a charity?

====== Stocks ======

I have been checking on stocks when once in a while, <del>and think I found some things that would be solid investments</del>. (BOY WOULD YOU BE WRONG!)

[[http://money.cnn.com/quote/quote.html?symb=PMI|PMI]] is a mortgage company, that really looks like it took a beating, but I think will stick around and grow back to a respectible value.  The price I discovered this at was $13.08 2007/12/04.  The P/E is very low, and they're down many time what they were earlier this year.  I think if you bought and held this for a couple years you would easily top 20% interest.

My picks

^ Stock ^ Company ^ Value at buy ^ Notes ^
|  [[http://money.cnn.com/quote/quote.html?symb=PMI|PMI @ cnn]] [[http://www.stockpickr.com/thestreet-symbol/PMI/|PMI @ StockPickr]]| [[http://www.pmigroup.com/index.php|The PMI Group, Inc.]] | $13.08 on 2007/12/04 ($7.90 on 2008/01/16... so what do I know? I just lost 50%) (ok this is $1.99 now 2008/07/01 WOW!!!!)| I think woefully undervalued.  Not that I like bank stocks, but how can mortgage companies loose money?  Everyone needs a home.|
|  [[http://money.cnn.com/quote/quote.html?symb=ERIC| Ericsson]]| [[http://www.ericsson.com/]]|$22.64 on 2007/12/20 (wow, 2007/07/01 $10.59 YIKES!)| Another one that took a beating, that I can't see why this is down so much|
|  [[http://money.cnn.com/quote/quote.html?symb=LVLT|Level 3 Communications Inc]]|[[ http://www.level3.com/]]|$3.06 on 2007/12/20 | These guys rock (network wise)... but maybe they're no good at business... still $3... why not?|