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.

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?

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

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