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Speeding in CT with NY license

I was caught speeding in Connecticut recently doing 81mph in a 65mph zone. The officer said to just pay the fine by mailing this in. This is my first time getting a speeding ticket ever and I've always drove responsible. I know I can't not use the excuse that I was following traffic so I am wrong fo...
by 0cean23
Fri Sep 05, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Speeding in CT with NY license
Replies: 14
Views: 1264

Re: Patio door recommendations

I work in the industry. You get what you pay for when it comes to the higher end patio doors. Particularly when it comes to before and after customer service and certain types of performance. There are also different grades within different brands. I will say there are certain things that you shoul...
by 0cean23
Wed Jul 23, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Patio door recommendations
Replies: 15
Views: 1071

Patio door recommendations

We're looking to replace our current patio doors with a new one. Where would you recommend I should purchase a sliding patio door from? We were also considering to have blinds in between the glass, is this a good feature to have?
by 0cean23
Tue Jul 22, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Patio door recommendations
Replies: 15
Views: 1071

Resume writing services

Has anyone here outsource their resume to have it revised by a professional service? If so which do you recommend? Should I find a writing online through a freelance website such as Elance.com or google search online for a resume writing company?
by 0cean23
Thu May 15, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Resume writing services
Replies: 1
Views: 316

Re: AT&T New mobile share value plans

NVM I found my answer from AT&T's website "All current individual customers, including those on a 2-year agreement before March 9, 2014, are able to move to the 2GB, 4GB, or 6GB plan. " - If I renew my contract it will be after 3/9/2014 and this will not allow me to transfer to the new...
by 0cean23
Sun Mar 23, 2014 9:47 pm
 
Forum: Personal Consumer Issues
Topic: AT&T New mobile share value plans
Replies: 5
Views: 795

AT&T New mobile share value plans

We recently saw new ads for the AT&T mobile share value plans which offers unlimited talk, text and limited data. I was speaking with the representative and they informed me that I can switch over to the new mobile share value plan even though I am still in contract until 10/2014. This new plan ...
by 0cean23
Sun Mar 23, 2014 9:45 pm
 
Forum: Personal Consumer Issues
Topic: AT&T New mobile share value plans
Replies: 5
Views: 795

Re: Which Windows 8.1 tablet?

Thank you for the replies.

I am looking to use this tablet for a photo booth setup. I would prefer using a tablet PC for the lightweight, runs on battery and very portable. I think the software I will be using for the photo booth project is compatible with Window 8 and not RT.
by 0cean23
Tue Feb 04, 2014 12:32 am
 
Forum: Personal Consumer Issues
Topic: Which Windows 8.1 tablet?
Replies: 10
Views: 824

Which Windows 8.1 tablet?

Hi, I'm looking for some recommendations on purchasing a Window 8.1 tablet. Would you recommend a Dell Venue pro 11 or Microsoft Surface 2? Are there other brands that may be better?
by 0cean23
Mon Feb 03, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Which Windows 8.1 tablet?
Replies: 10
Views: 824

Rollover current 401k into Vanguard IRA account

I am currently maxing out my investment with my current company's 401k plan. The funds available from my company is not that good. If I wanted to rollover what I currently have in my 401k plan into my Vanguard IRA account is this possible?
by 0cean23
Thu Jan 16, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover current 401k into Vanguard IRA account
Replies: 3
Views: 185

Upgrade baseboard heaters?

With the recent cold temperatures our house is really cold and the thermostat shows that it is currently 62 degrees. I've set the temperature to 75 and it never went pass 65 degrees. We did our best with stoping all the drafts from the windows and caulking all the edges around the windows. I think t...
by 0cean23
Wed Jan 08, 2014 10:31 am
 
Forum: Personal Consumer Issues
Topic: Upgrade baseboard heaters?
Replies: 35
Views: 1764

Paid off our mortgage, what are our next steps?

We just paid off our mortgage and it feels great to start the new year without any more mortgage payments. Our mortgage was with Citibank and we had the option to pay it off online. I submitted the payment today online but is this the right way to pay it off? do we need to contact Citibank and let t...
by 0cean23
Fri Jan 03, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our mortgage, what are our next steps?
Replies: 6
Views: 1156

Re: Bogleheads favorite Task management App?

I am currently using Apple remknder. This application sync with all my computers and Mobil devices.
by 0cean23
Mon Dec 16, 2013 12:25 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads favorite Task management App?
Replies: 17
Views: 1378

Re: Data redundancy with two external drives

BanditKing wrote:With externals, I recommend using a sync program rather than RAID.


Something like Carbon Copy?
by 0cean23
Wed Dec 04, 2013 1:50 am
 
Forum: Personal Consumer Issues
Topic: Data redundancy with two external drives
Replies: 10
Views: 667

Data redundancy with two external drives

I'm looking to have data redundancy with two external hard drives. I would like the exact data to be on both drives. I understand that RAID is not a form a backup but I would like to know which method would work best? -I am using OSX Mavericks -I have two WD 8TB Thunderbolt DUO A. Should I setup bot...
by 0cean23
Wed Dec 04, 2013 1:19 am
 
Forum: Personal Consumer Issues
Topic: Data redundancy with two external drives
Replies: 10
Views: 667

Lawn care

As a new home owner I don't know much about lawn care and recently started learning more about this. I sodded my lawn last season and most of the grass is brown with lots of dead grass. I didn't understand why until I found out that I had grubs living in the soil. My next steps are to kill the grubs...
by 0cean23
Sun Sep 15, 2013 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Lawn care
Replies: 15
Views: 1626

Re: Android Tablet

Also is the Google Nexus 7 tablet made by Asus?
by 0cean23
Thu Sep 12, 2013 12:26 am
 
Forum: Personal Consumer Issues
Topic: Android Tablet
Replies: 42
Views: 3595

Re: Android Tablet

Thank you for the link with the comparison between the nexus and Samsung tablet. That was very helpful. As for Androids latest OS, jelly bean, do I need an app like advance task killer to kill apps running inmate background? My impression with android devices is that the battery doesn't last too lon...
by 0cean23
Wed Sep 11, 2013 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Android Tablet
Replies: 42
Views: 3595

Android Tablet

I've only used Apple products in the past and now I would like to start using Android products. I have no clue on which tablet to choose from since there so many choices. Which Android Tablet do you recommend? I would prefer to have their latest OS, model and smaller screen size similar to an iPad m...
by 0cean23
Wed Sep 11, 2013 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Android Tablet
Replies: 42
Views: 3595

Re: Best PC storage media, for sharing videos

I'm currently using Copy to store my media in the clouds. It works just like dropbox but the great that is that there's no limit for referrals. Each referral you have sign up it will earn you an additional 5gb of storage. Below is a link to sign up and a way to get 20gb free to start with. Enjoy! [L...
by 0cean23
Thu Aug 22, 2013 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Best PC storage media, for sharing videos
Replies: 16
Views: 994

Re: Investing into Vanguard brokerage account

Vanguard mutual funds can be held outside of retirement accounts. They can be held in individual accounts, joint accounts, trust accounts etc. Vanguard has a strange account structure that differentiates between mutual fund accounts and brokerage accounts. Vanguard mutual fund accounts can only hol...
by 0cean23
Thu Jul 18, 2013 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing into Vanguard brokerage account
Replies: 7
Views: 833

Investing into Vanguard brokerage account

I've maxed out my 401k, IRA's and invested 10k into my son's 529 plan for this year. Would it be a good idea to invest some money into a brokerage account? What would you recommend investing the extra money into? Should I purchase an ETF SP500, VOO? Also, just to clarify my understanding with Vangua...
by 0cean23
Thu Jul 18, 2013 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing into Vanguard brokerage account
Replies: 7
Views: 833

Re: Best online photo storage website advise

zenfolio.com or smugmug.com
by 0cean23
Sun Jul 07, 2013 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Best online photo storage website advise
Replies: 14
Views: 1959

Would you spend $100+ on a fan?

Sometimes having the AC on during the evening gets too cold and with the window open its still not cool enough. I was browsing around on amazon and came across a highly rated fan for $100+ would you guys spend this much on a fan or recommend just getting a cheaper one? http://www.amazon.com/Ozeri-Ul...
by 0cean23
Sun Jun 23, 2013 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Would you spend $100+ on a fan?
Replies: 25
Views: 1766

Tattoo removal

Has anyone here had their tatto removed? If so what is the best process to get this done?
by 0cean23
Wed Jun 19, 2013 12:27 am
 
Forum: Personal Consumer Issues
Topic: Tattoo removal
Replies: 7
Views: 991

Commercial signs [for company logo, where to purchase]

Where would be a good place to purchase commercial signs for windows and interior? I am looking to have my company logo printed for my new studio office space.
by 0cean23
Sun Jan 20, 2013 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Commercial signs [for company logo, where to purchase]
Replies: 4
Views: 326

Re: Portfolio advice for 30yr old married couple

Thank you so much for the advice everyone. I am excited to start the new year with a revised portfolio and new goals
by 0cean23
Wed Jan 02, 2013 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 30yr old married couple
Replies: 5
Views: 967

Portfolio advice for 30yr old married couple

Emergency Funds: one year $80,000(not included in retirement assets listed below) Debt: Mortgage remaining - $176,000 at 3.25% and Car lease - $6,500 remaining Tax Filing Status: Married Filing Jointly (one child - 1 yr old) Tax Rate: 28% federal, 6.65% state State of residence: NY Age: both 30 Desi...
by 0cean23
Mon Dec 31, 2012 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for 30yr old married couple
Replies: 5
Views: 967

Re: Damm Grinch around my neighborhood

His face didn't come out clear in the video. But i will file a report tomorrow with the police
by 0cean23
Thu Dec 20, 2012 2:06 am
 
Forum: Personal Consumer Issues
Topic: Grinch [delivered package theft]
Replies: 40
Views: 3232

Grinch [delivered package theft]

I was expecting a package from Amazon today. It was scheduled to be deliver by UPS and the package status shows that it was delivered and left at front door. When I came home from work the package was gone. Luckily I have a home surveillance camera system. After viewing the DVR with the approximate ...
by 0cean23
Thu Dec 20, 2012 1:22 am
 
Forum: Personal Consumer Issues
Topic: Grinch [delivered package theft]
Replies: 40
Views: 3232

Blue light treatment

Hi All,

I came across this product that produces blue light. It claims that it helps promote energy. Has anyone experience this, what are your thoughts on this product?

http://www.usa.philips.com/c/light-ther ... 32_60/prd/
by 0cean23
Thu Nov 22, 2012 10:55 am
 
Forum: Personal Consumer Issues
Topic: Blue light treatment
Replies: 2
Views: 619

Re: Water boiler replacement

Thanks for your suggestions, my current unit does not have a flame roll out switch. Can this be added to this unit after it's fully repair?
by 0cean23
Tue Nov 20, 2012 12:48 am
 
Forum: Personal Consumer Issues
Topic: Water boiler replacement
Replies: 7
Views: 980

Water boiler replacement

My water boiler for my home recently broke and I wanted to get some advice before going with my next steps. I had a plumber inspect and gave me some suggestions, what do you think I should do? My current water boiler is a Burnham Boiler, 175,000 BTU. It was replace about 7 years ago from the previou...
by 0cean23
Sun Nov 18, 2012 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Water boiler replacement
Replies: 7
Views: 980

Recommend a book for marketing

Hi,

I am a wedding photographer and I would like to improve my marketing skills. What would be a good book for my situation? Most of my inquiries are through my website and I would think a strong online marketing would be best? I do not have a store front for my business and work out of my home.
by 0cean23
Thu Sep 27, 2012 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a book for marketing
Replies: 0
Views: 111

What investments are good to help for tax purposes?

Hi,

What are some investments that can be use for tax purposes? For example, a college 529 for New York, we can file up to $10,000 for tax. An iBond, we can file upto $5000 for taxes.
by 0cean23
Wed Sep 26, 2012 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What investments are good to help for tax purposes?
Replies: 2
Views: 306

Should I pay off my car loan?

Hi, I owe about 12k left on my car loan. My current car loan is at 2.49% apr, if I was to pay of the 12k balance. I will save about $700 in interest. Currently I am building my emergency funds with my wife. Our goal is to reach $80k with the emergency funds. We are currently at $70k, should I take t...
by 0cean23
Thu May 24, 2012 12:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my car loan?
Replies: 8
Views: 1177

Cash for gold

I've pass a few store and notice these "cash for gold" businesses. What are your experience with these business? I dont need cash but I have an old Platinum ring which is just sitting in my safe. Should I sell it? If so would you recommend selling it locally or online?
by 0cean23
Wed May 02, 2012 12:15 am
 
Forum: Personal Consumer Issues
Topic: Cash for gold
Replies: 9
Views: 1034

Best way to handle cash from your parents?

Hi Bogleheads, If my parents wish to gift me $40k, what is the best way to handle this money? I live in New York City, if I deposit $10k or more in cash they will run a IRS check on me. There's nothing to hide, but I do not want to pay taxes for a gift from my parents. Should I split the deposit int...
by 0cean23
Sun Apr 29, 2012 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to handle cash from your parents?
Replies: 13
Views: 1601

Roth and Traditional IRA understanding

From what I understand, a Roth IRA is better if my income increases in the future and puts me in a higher tax bracket. Let's say I am at the highest tax bracket now at age 30 and when I retire at 65 can I be at a lower tax bracket by not working that year and not having any income? Will that bring m...
by 0cean23
Fri Apr 27, 2012 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth and Traditional IRA understanding
Replies: 3
Views: 284

Re: EE Bond, what to do with it?

Johm221122 wrote:Just Google savings bond wizard,why do you want to cash?hold for 10 more years.its as good as gold



What does holding it for another 10 more years do? Just accumulate interest?
by 0cean23
Mon Mar 05, 2012 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: EE Bond, what to do with it?
Replies: 11
Views: 725

EE Bond, what to do with it?

My wife received a $100 EE Bond about 20 years ago from winning an event at school. How do we find out how much interested this EE Bond has earn and can I deposit it into our savings account just like a check?
by 0cean23
Mon Mar 05, 2012 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: EE Bond, what to do with it?
Replies: 11
Views: 725

Re: New parent this July - Looking for investment advice

We have the life insurance in place for both me and my wife. So for tax advantages we should start with a 529 plan. I live in New York City currently. Which 529 plan do you recommend? Thank you!
by 0cean23
Wed Feb 22, 2012 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: New parent this July - Looking for investment advice
Replies: 22
Views: 1460

New parent this July - Looking for investment advice

Hi all,

I will be a new dad this July and my wife and I would like to start a small investment or savings account for our child. What do you recommend we should start investing for our child? We have about $5000 to invest for our child. Should we start a savings, 529 plan, or bond savings?
by 0cean23
Wed Feb 22, 2012 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: New parent this July - Looking for investment advice
Replies: 22
Views: 1460

Re: Herman Miller Aeron Chairs

I narrowed my choices between the Steelcase Leap Chair and the H.M. Aeron Chair. After sitting on both at different clients (a few hours at each location over one week), I decided on the Steelcase and don't regret it. I found a site (in Brooklyn) that buys/sells used leather Steelcase and Aeron cha...
by 0cean23
Thu Jan 19, 2012 11:20 am
 
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron Chairs
Replies: 12
Views: 1068

Herman Miller Aeron Chairs

Hi, Recently my standard Staples office chair has lost it's padding on where I sit and if I sit in the chair for 2-3 hours or more my tail bone will start to hurt. I find this chair so uncomfortable. Does anyone here own a Herman Miller chair? Is it worth it to spend so much money on a chair? I work...
by 0cean23
Thu Jan 19, 2012 10:26 am
 
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron Chairs
Replies: 12
Views: 1068

Re: Refinance for 10 years?

Since we're transferring from one bank to the new one, we have to pay an assignment fee for the transfer right?
by 0cean23
Thu Dec 29, 2011 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance for 10 years?
Replies: 8
Views: 580

Refinance for 10 years?

Our original mortgage is a 15 year, $200k at 4.6%. We have about 13 years and about $180k left. My wife just went to Citibank and they quoted her for a 10 year refinance for 3.125%. They can lock in this rate for the next 90 days. I've never refinanced a home before, what should we ask the bank and ...
by 0cean23
Thu Dec 29, 2011 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance for 10 years?
Replies: 8
Views: 580

Re: Cash - do you keep a stash on hand?

I keep about $1500-2000 cash in hand just incase I need a small amount of cash fast.
by 0cean23
Wed Dec 28, 2011 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 6229

Opening an account at Treasury Direct

I would like to purchase I-Bonds from treasury direct. Can I use my Amex online savings to transfer funds to TD? Or do I need to have the money from a checking account to purchase the I-Bonds from TD?
by 0cean23
Fri Dec 16, 2011 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Opening an account at Treasury Direct
Replies: 1
Views: 332

Re: Tire Pressure From Cold to Hot

IS it true that if you use nitro air you pressure will not fluctuate?
by 0cean23
Thu Dec 15, 2011 12:58 pm
 
Forum: Personal Consumer Issues
Topic: Tire Pressure From Cold to Hot
Replies: 16
Views: 2504

Understanding Vanguard mutual funds

Currently I am investing in a Vanguard target 2045 mutual fund and I've ben contributing money to my Vanguard money market account. If I decide to exchange the funds from the money market to the Vanguard target fund which market price does the money get applied to? The ending share price from yester...
by 0cean23
Wed Dec 14, 2011 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Understanding Vanguard mutual funds
Replies: 2
Views: 485
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