Re: Choosing a broker
If you're going to contribute primarily to vanguard accounts (not a bad idea), open them directly with vanguard and use their web site. You can establish a connection with your bank account such that its just an electronic funds transfer when you want to move money in and out. I've been using it for about 5 years. No problems.
You can even set up automatic monthly withdrawals.
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.