02-16-2012, 01:05 PM
nice work Lee. those are great numbers. we like ING too, its a pretty powerful tool if you take the time to use it.
one thing i have in common with you is that i've used outside advice/assessment in the form of an accountant (who also takes care of my small business stuff). we've been able to take advantage of a couple things i wouldn't have known about otherwise. most importantly in 2010 when i converted my previous employers 401k to a Roth and there was a special situation where you could defer paying the state/fed income taxes on the rollover amount to next year, and then split that amount between 2011 and 2012. that was a huge help on the extra tax burden and i wouldn't have known it without some helpful counseling.
i should have mentioned this earlier in the thread but when i was but a youngin' at JMU they offered a "life skills seminar" through the JMU College o' Business. I think it was something you had to pay for, but it filled up fast and was enormously, hugely helpful for me. it went over career planning, prioritizing personal skills and development and most importantly for me, financial planning and some of the main topics that covered. it was just a ton of information i hadn't heard before and made a really important impact on how i approached my normally somewhat reckless spending and "saving". i know you can google anything these days and so much information is free, but this was worth every penny...if you're at JMU taking classes don't pass it up.
one thing i have in common with you is that i've used outside advice/assessment in the form of an accountant (who also takes care of my small business stuff). we've been able to take advantage of a couple things i wouldn't have known about otherwise. most importantly in 2010 when i converted my previous employers 401k to a Roth and there was a special situation where you could defer paying the state/fed income taxes on the rollover amount to next year, and then split that amount between 2011 and 2012. that was a huge help on the extra tax burden and i wouldn't have known it without some helpful counseling.
i should have mentioned this earlier in the thread but when i was but a youngin' at JMU they offered a "life skills seminar" through the JMU College o' Business. I think it was something you had to pay for, but it filled up fast and was enormously, hugely helpful for me. it went over career planning, prioritizing personal skills and development and most importantly for me, financial planning and some of the main topics that covered. it was just a ton of information i hadn't heard before and made a really important impact on how i approached my normally somewhat reckless spending and "saving". i know you can google anything these days and so much information is free, but this was worth every penny...if you're at JMU taking classes don't pass it up.
2010 Civic Si
2019 4Runner TRD Off-Road
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Past: 03 Xterra SE 4x4 | 05 Impreza 2.5RS | 99.5 A4 Quattro 1.8T | 01 Accord EX | 90 Maxima GXE | 96 Explorer XLT
2019 4Runner TRD Off-Road
--------------------------
Past: 03 Xterra SE 4x4 | 05 Impreza 2.5RS | 99.5 A4 Quattro 1.8T | 01 Accord EX | 90 Maxima GXE | 96 Explorer XLT