Driving Schools In West London

Above You Will Find Up To Twenty Driving Schools All Based In Or Covering West London.

They Are Listed In No Particular Order.

This Website Will Also Provide Additional Information Regarding Learning To Drive Including An Updated Questions And Answers Section.

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Driving Schools In West London

I make between 150k and 185k p/year depending on bonuses.  My pay has risen sharply over the past 5 years with some promotions and I’ve increased my investments along the way.  Here is a high level breakdown of my financial situation:

Debt:

22k school loans (combined wife and mine into single low interest loan)

Home – owe 350k on a home worth about 420k.  I pay an additional mortgage payment per year automatically by spreading that payment out into 12 monthly payments.

Auto – owe about 2500 on a 2004 Durango.  I pay 0 per month so I am almost done with that.  I plan to continue to dump 0 per month into an account after this car is paid off.  The hope is to drive this car for 3-4 more years and use the money from that fund to buy a new, more energy efficient car, using cash.

No other debt

Account balances:

20k emergency fund in Ally Bank savings account.  I place 0 dollars per month automatically in this account each month.

10k in liquid savings account.  I put left over money manually into this account monthly.  I try to keep this at 10k at all times.

100k in 401k all invested in Fidelity 2040 target fund.  I now max 401k each year.  My company doesn’t do a match.  They dump profit sharing into the 401k yearly regardless of if I invest into the account or not.

11k in Traditional IRA all invested in Fidelity 2040 target fund.  I now max this out at 5k each year with monthly automatic payments.

1k in newly opened Traditional IRA I opened for my wife.  I plan to max this out now yearly at 5k and this is also invested in Fidelity 2040 target fund.

5k in 529 college fund invested in growth strategy fund in Illinois Bright Start fund.  I automatically invest 0 per month into this account.

Donations:

I donate about 3k to church tithes yearly (I should do better here)

Other than that, that is my financial situation.  I spend just about everything else per month on entertainment, food, bills, etc. for my wife, myself, and two year old daughter.  We plan on one more child and other than adding an additional 0 to another 529, my current financial plan would stay the same.

Other than maybe some better budgeting to leave some money for some short term investing, is there anything else I should be doing?  Anything I am doing I shouldn’t be doing?  I know Target fund approach seems lazy but I work and travel a lot and just don’t have the time to micromanage my portfolio.

From goals perspective, I want a few simple things.

1. Retire early if possible
2. Pay for some or all of kids college
3. Pay for daughters wedding

Again, most investment advice doesn’t seem to be geared towards someone like me so any advice is appreciated.  I just don’t want to "think" I am doing ok if I could be doing something better.
Thanks for the candid feedback Steven. I don’t disagree with anything you said. I can definitely do more with my income. I think I should hit up a financial advisor to dig even deeper and get me on the path you outlined below.

does this really work?

Cobarruvias, who is an illegal immigrant from Mexico but speaks English, had a blood-alcohol content of 0.27 when he was pulled from the wreckage of his van May 16, 2009. He was unresponsive, had no recollection of the accident and believed for weeks afterward he’d been a passenger in the vehicle.

The collision occurred on a rainy day on U.S. 29 southbound toward Anderson. Cobarruvias was driving 50 mph in a 55-mph zone when his van hit a puddle and swung sharply toward the left, witness Kassandra Smith said. The victims, riding in an Astro van, struck the man’s vehicle almost head-on.

Judge Lawton McIntosh asked Cobarruvias repeatedly if he understood that pleading guilty meant he couldn’t get a jury trial and could not in the future protest any Constitutional violations that might have occurred during his incarceration. When Cobarruvias failed to respond clearly, McIntosh delayed the hearing two hours so his attorneys could obtain an interpreter.

Cobarruvias has been in the country almost 30 years and cobbled together a living doing heating-and-air maintenance and light carpentry in the area. He moved here from California, where he’d attended some high school, about a decade ago.

Public defender Jennifer Johnson said her client spoke and understood English well but was not as clear on the American court system and the implications of his guilty plea – which include automatic deportation once he’s served his time for a felony. The Federal Immigrations and Customs Enforcement division has a detain order on Cobarruvias pending his release.

The accident’s victims included Susan Sigmond, who suffered neck injuries, cracked ribs and a bruised spleen. Her husband, Raymond, suffered a broken ankle and two bruised ribs. Eaton sustained numerous internal injuries and died after five days in intensive care to extensive kidney damage.

Eaton’s brother refused to speak in court and Assistant Solicitor Jenn Byford said the Sigmonds did not appear because of the accident’s physical and emotional toll on their health.

Cobarruvias’ sister, Maria Luna, said she still couldn’t believe he was driving because he’d always made a point of finding a designated driver. His bruises after the accident and a broken right collar bone led family to believe he’d been a passenger.

Cobarruvias, 45, has four children and two grandchildren, all living in the Anderson area. Seven family members sat in the courtroom; another four, including two small children, waited outside. His daughters and wife sobbed when the sentence was announced.

“He is such a happy person,” Luna said. “Today, he looks so sad.”

Smith was riding in a truck behind the Cobarruvias’ van and said he was driving smoothly until he hit the water. She sat in the courtroom this morning and later consoled Eaton’s brother and several members of the Cobarruvias family.

“I had no idea he was drinking until the officer told me,” Smith said.

Cobarruvias’ attorney, public defender Jennifer Johnson, said her client was immediately distraught when he learned he had to have been the driver. She said he’d been speaking with his pastor in the days before the accident about his drinking problems and had been sober for six months until the weekend of the accident.

http://www.independentmail.com/news/2010/sep/03/illegal-immigrant-sentenced-deadly-traffic-acciden/

that’s well over a grand, pushing one and a half

anyone else find that recommendation excessive?