And then what could you do about it?
you can't — no one is a mind reader!!
Are you the lender or peson borrowing? If not then it really is not your business or problem. they will never listen anyway if this loan is what they WANT and NOW.

I believe that the market will get worse before it gets better. I will continue to invest in my 401K, but should I re allocate my contributions?

Here's what I have now.

Change Contribution Elections

Stock Investments

LARGE GROWTH 5%

LARGE BLEND 12%

LARGE VALUE 15%

MID-CAP BLEND 15%

SMALL GROWTH 10%

FOREIGN 17%

Bond/Managed Income

INTERMEDIATE-TERM 21%

STABLE VALUE 5%

I'm personally of the opinion that its a good time to buy stock, even if the market gets worse before it gets better. And it's next to impossible to forecast a market bottom. Buy low sell high - prices are low now - and not every sector is doing poorly, just financials & housing.

I may have a different risk tolerance than you, however. You have to be able to sleep at night without worrying about your 401k. At the very least you could direct all new contributions to your bond funds. If that still stresses you out, ask yourself if you'd be comfortable if you cut your stock percentages by 25%? 50%? 75%?

Good luck.
This is one of the most difficult type questions to answer. One thing you did not provide us with is your age. I have to assume you are rather young–under 50. There is a real problem with investing in bonds. That is that the government is generating inflation and keeping bond yield very low, lower than the inflation rate. Basically, it is a loosing proposition. You might retort that if you think bonds are a loosing proposition take a look at equities. Certainly, a telling argument. But whereas bonds are giving negative returns currently, there is virtually no hope that the returns will turn positive until the government can no longer keep interest rates low. When that happens, previous bond investors will be stuck holding the bag so to speak. Equities do have the potential of offering a positive return at some point. Maybe not now and maybe not tomorrow but they will turn positive. Your allocation appears to me to be well rounded and not too aggressive.
Dear MM,

I notice your allocation doesn't include a money market vehicle. There can only be two reasons for this. One isn't offered as an option by your plan administrator or you haven't used it. Since very few plans include a money market option most likely the answer is the former. This is great for the administrating company but not for the contributors as it provides no safe haven in a down market.

The best thing you can do now is get together with your cohorts and demand a 401K plan with a money market option so that when the inevitable down cycles occur you can get your hard earned funds out of equities and plant them in cash. Better meager interest earnings than major capital losses don't you think?

I agree with the others that there doesn't seem to be any point in changing your allocation at this time.

Were it me I would. I'd cut that bond income to 10% total and cut the Foreign by 10% and add them to Small Growth and Large Value, but that is just me.

Personally, I believe the worst is past for the US, but the Foreign stocks still have a major down leg coming. Remember, Foreign markets tend to trend about 6 months behind the US. That is why they were all snarkey and stuff a couple months ago. Now they have to shut up.
You should always be invested in bonds to some degree. The rule of thumb is to have the same percentage in bonds as your age and the rest in equities. With about 20 percent in foreign equities and some in foreign bonds as well. Bond yields are rising And I expect them to go higher. Which means prices go down. A good time to invest.
Depends on your risk tolerance, but based on the history of the market, this would probably be the best time to invest more in stocks because they're cheaper and you can accumulate more of them. The time to sell is not when prices fall. If you're young, buy more stock.
You should establish a diversified asset allocation that's appropriate for your age and stick to it. Don't try to chase "hot" sectors or types of investments. You'll lose.

There is a strong risk reward with this one. I think long term they will be ok but I would not bet the farm on it. There is a good chance they may go under to to credit problems and there massive debt.
I wouldn't touch it except to short on strength. I'll tell you this, it isn't going up in the long term.
no to risky the dude above me is correct
stock are to risky right now-check this out www.angelamasaro.com-

I have problems paying my bills due to the same reasons as everybody else. I have contacted them and they didnt want to know. I wanted to reduce my contract from £35 pm which is too high and i am not using it, to £25. I was told they couldnt do it because of an upgrade i had and nine months need to pass before i can change it. I was not satisfied so i got in touch with customer escalations,and got 2 snotty patronising emails from a manager. I want to know who else is going through the same problems,what our rights are and what we can do. Any thoughts?? get in touch
a contract is a contract… you signed up for it for a minimum term, you have to see it out. otherwise it would be called pay as you go…
Unfortunately you don't have any right in this situation. When you signed up to the contract at £35 per month for the duration, you agreed that you would pay that amount for the specified number of months. The price of your phone was subsidised by O2 to take that into account.
Stifle got it in 1

Okay, I currently work as a Chiropractic Assistant. I have been here for about 5 months yesterday (the 21st) and I don't like it. At all.

In my town, they are building a Community Center, and I've spoken to the director, who seems really nice, about part time jobs, and the duties I would have to and things like that, and I really want to work there. But, working part time AND going to college at the same time would leave me busy CONSTANTLY.

I need office experience. If I work at the Community Center, I would get office experience there. Should I stay here and finish off at least a year? Or should I move to the Community Center and work there full time? The Chiropractor has been having some rough times these past years, and I would feel terrible leaving him. But I don't like working here!! I would definitely love to try something new, and I think I would be happier working at the Fitness Center. Also, my boyfriend works right next door so it would be much easier with the going back and forth thing!! I don't know what to do.
5-6 months of employment is okay. People who work jobs vs careers stay on average less than one year. You anticipate that you will stay at the Community Center for a longer period of time, so make yourself a goal when you start to not quit until you have worked there for a minimum of one year.

It is ok to quit a job that you don't like at all, it is also hard to find a job that you like during or after high school as you are usually working with older people who will treat you by your age and not as an equal.

If you don't accept the job at the Community Center you will stay at the Chiro Office and wonder if you made a bad decision.

I am a married mother with two children (when read properly, the last statement indicates that I am a caregiver to three individuals). I am a college student full time, currently have two part-time jobs and somehow I have time for everyone and everything.

You will be much happier at the Community Center and that is why you must go there - Don't make the mistake of not giving your current employer proper notice, otherwise he won't give you a good reference when you get the job you are in school for and you would have wasted half a year.

can anyone recommend me an seo software? that fasten my work in link building.. and how can i get banklinks with high Page Rank without spending.. i need an advice, tips and tactics from the SEO experts out there!

Thanks!
I will suggest you better go for dofollow blog commenting or dofollow forum posting will is free of charge that can help you on building backlink. SEO concept is esy, but you need to spend a lot of time if you do not hire the seo company
SEO is not just a software..Having a high page rank and getting a backlinks deals with more time and experience. Just get a person that is really can help you on that. Tactics can be share but it needs more knowledge and power to be successful on that because it is time consuming.

Just email me if you really need my advice.

frogstone

SEO expert and link builder master
there are several softwares available on the market that claim to help you with fast link building. I'll tell you what: nothing beats the manual submission. If you can read between lines, you got it. Comment on "dofollow" blogs and forums and get "juicy" links from there. Hire people for quality directory submission, but make sure that don't submit hundreds of links within a week.
Hi,

There are lots of ways of getting free traffic and backlinks to your site. If you're looking for software then you're gonna have to pay.

One of the best marketing experts I've been following recently is Lee McIntyre. He gives away alot of excellent free advice on his blog. I'd highly recommend having a look.

http://www.aimhighermarketing.com/cmd.php?af=838167&u=www.lee-mcintyre.com
Just follow all the SEO methods and strategies…Browsing in the internet could help you a lot.. it will provide you all the helpful informations that you need.
Best way to get good SERPs is to naturally SEO your site yourself.

I know many SEO tips, please join here if you would like to learn more about SEOing.

http://tinyurl.com/5ecprb

I dropped off an application at a local correctional facility for students after hearing from my friend (who is part of the staff I seek to join) told me that they are short handed. This was on Friday, and I haven't heard anything from them. I also called their Human Resource Director to make a clarification on my job application, leaving my phone numbers. Then, last night, my friend put in a good word with the main director of the team that I'll be working for.

My question is, should I make a follow-up call today?
I would wait until maybe tomorrow mid morning and call and ask about the status of my application. That way it gives them at least a day to look over it. You want to put your name out there but on the other hand you don't want to sound too pushy.

Good Luck with it