[jeffmem]

Hello DisneySteve,

Actually you forced me to look at some numbers which I feel is very useful, I went through everything and here is what I can tell you.

I am 33 years old living outside the US, I need to pay taxes, but what i am putting into the SS and Medicare is around $1000 year, total, yeah very little I know. This has been going on for about 10 years. Not a good situation but I have my 40 quarters in at least.

I have no 401k because I am not working in the US.

Ok allocation:

Cash: 66% includes CD's, MMA's and other savings. I only really want to invest about $12,000 of this cash, other is for emergencies, etc.
Government Bonds 18%
Traditional IRA: 3%, note I have only around 2k in this, I have been advised by my accountant not to put anymore because interest rates are so low and I am getting better on other MMAs.
Stock: 6.8%
Mutual Funds: I have two, together total 6.5%
AEPGX and PRASX, both of which were started last year, bad bad bad. I lost quite a bit, but have kept putting money into them, so they are balancing out a bit.

I know that is not a perfect 100%, but it's close.

EA1776, thanks for your advice on the mutual funds, I have added them to my Scottrade account to follow and look at when I get a minute.

What do you guys thing of the Templeton bond funds, for example TPINX?