Search found 465 matches

by AZAttorney11
Sat Dec 01, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Vacation ideas for this January
Replies: 14
Views: 887

Re: Vacation ideas for this January

How about Phoenix? Your trip dates may coincide with the marathon. It’s usually the middle of January. Your daughter might love running a marathon in a new city.
by AZAttorney11
Sat Nov 17, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Warm winter vacation
Replies: 25
Views: 2235

Re: Warm winter vacation

How about Phoenix or Scottsdale? It’s 72 and sunny today.
by AZAttorney11
Sat Oct 13, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 6111

Re: Neighbor discussing finances with me

Let him do his thing. Invite him over, share a few beers, enjoy the grill, and talk about the kids or spouses or careers or something else. A good neighbor is hard to find. Don’t do anything that would potentially cause issues.
by AZAttorney11
Wed Sep 12, 2018 5:03 pm
Forum: Investing - Theory, News & General
Topic: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy
Replies: 34
Views: 3723

Re: WSJ 9/12/18- Fidelity Doubles Down on Free Fund Strategy

$1 billion is all that they've gotten? Vanguard's Total Stock Index and Total International index funds have combined assets of $1.1 trillion . It doesn't seem that investors are leaving Vanguard in droves yet at least. I think Fidelity announced this a few weeks ago. Let's give it some time...
by AZAttorney11
Mon Sep 10, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8506

Re: Botched countertop installation - leave it as-is or risk the repair?

This would drive me absolutely insane, and I'd never be able to move past the imperfection. For better or worse, I'm hard-wired that way. I would insist that the GC and his subs deliver the project in perfection condition. I don't care what hard costs or soft costs they have to eat -- the installers...
by AZAttorney11
Mon Aug 27, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.
Replies: 79
Views: 13824

Re: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.

Guys, he's not a US citizen and doesn't live in the US. Stop recommending US-domiciled funds. OP, it would be worth your while to seek out a private wealth manager & accountant in your country of residence to better understand (1) tax implications and (2) the best way to enter into million-dollar p...
by AZAttorney11
Mon Aug 27, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.
Replies: 79
Views: 13824

Re: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.

Guys, he's not a US citizen and doesn't live in the US. Stop recommending US-domiciled funds. OP, it would be worth your while to seek out a private wealth manager & accountant in your country of residence to better understand (1) tax implications and (2) the best way to enter into million-dollar p...
by AZAttorney11
Sun Aug 26, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: LLC for one rental property?
Replies: 28
Views: 2373

Re: LLC for one rental property?

So, after buying a new house we are emabarking on the journey of renting our old townhome. I’ve run the numbers and it makes sense financially given current rents. That said our real estate attorney at closing told us we should form an LLC to put the property into. Is this really needed? Can’t suff...
by AZAttorney11
Tue Aug 21, 2018 9:33 am
Forum: Investing - Theory, News & General
Topic: You Invest from JP Morgan [free trades offer]
Replies: 75
Views: 5864

Re: You Invest from JP Morgan

Very cool. Interesting tit-for-tat going on with Fidelity's Zero funds and Vanguard's free ETF's. Will be very interesting once the dust settles. Now that transaction costs for trading are approaching zero, I think individual stocks are becoming much more defensible. I could see the increased oppor...
by AZAttorney11
Sun Aug 19, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 14162

Re: Remind me (again) how real estate isn't a GREAT investment?

Nope. The only way to avoid taxes and penalties with index funds is to decide to live a life of scarcity and poverty. I have read the same blogs and guides that you have. You fill in the 0-15% income brackets. Which is another way of saying, have less income and be less wealthy. See here: https://w...
by AZAttorney11
Sun Aug 19, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Remind me (again) how real estate isn't a GREAT investment?
Replies: 158
Views: 14162

Re: Remind me (again) how real estate isn't a GREAT investment?

Where are the posts from 2008 - 2011 from landlords in places like California, Arizona, Nevada, and Florida?
by AZAttorney11
Fri Aug 03, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Dental implant in Tijuana
Replies: 37
Views: 4014

Re: Dental implant in Tijuana

If you get this done in Mexico, later have a problem and decide to drop in to your neighborhood dentist or oral surgeon, they might not be willing to accept you as a patient due to the risks you present. This is not due to that fact that you got the work done in Mexico, but rather you are in mid-tr...
by AZAttorney11
Thu Jul 26, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed
Replies: 12
Views: 1261

Re: WSJ--Vanguard Sent Erroneous Text Messages to Some 401(k) Customers Messages said loans had been processed

This thread is roughly a day and a half old. Only nine responses. I can only imagine how many responses there would be if Fidelity did this instead of Vanguard.
by AZAttorney11
Wed Jul 25, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest financial decision of my life: selling a big wad of options
Replies: 46
Views: 5447

Re: Biggest financial decision of my life: selling a big wad of options

OP, I hope you don't work for Facebook. Ouch.

Facebook plunges more than 24 percent on revenue miss and projected slowdown

https://www.cnbc.com/2018/07/25/faceboo ... -2018.html
by AZAttorney11
Sat Jul 14, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: FedEx / UPS Vacation Hold?
Replies: 12
Views: 1968

Re: FedEx / UPS Vacation Hold?

I have done it with USPS and it was difficult actually getting the mail on returning. Eventually went down to the post office and they couldn't find it. The held mail showed up all at once a week or so later. So I would be very hesitant about doing this if there were other options available such as...
by AZAttorney11
Fri Jul 13, 2018 6:00 am
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 5095

Re: New construction: financing fell through, builder won't return deposit/earnest $

How many cases have you tried? Ever hear of a motion for summary judgment? The above “advice” should be ignored and this is another example of non lawyers offering thoughts and opinions that could greatly damage the financial well being of forum members . 70+ cases filed. One appeal to a federal ci...
by AZAttorney11
Thu Jul 12, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 5095

Re: New construction: financing fell through, builder won't return deposit/earnest $

Sue them now. Quit with this pansy letter writing stuff send them a court stamped summons and complaint. Then they have to consider if it is worth it to hire a lawyer and spend 20k to keep 15k. A letter to your state AG wouldn't hurt either. What’s your theory as to why the OP has a legal claim aga...
by AZAttorney11
Thu Jul 12, 2018 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: New construction: financing fell through, builder won't return deposit/earnest $
Replies: 43
Views: 5095

Re: New construction: financing fell through, builder won't return deposit/earnest $

And what if judgement is for the defendant plus attorney fees? I’d bet this contract is boiler plate, well tested, and nearly judgement proof. Don’t fight battles you can’t win That would depend on the language in the contract plus the marathon of actually winning. Boiler plate contracts are genera...
by AZAttorney11
Wed Jul 11, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Potential Personal Judgement-Florida
Replies: 12
Views: 2322

Re: Potential Personal Judgement-Florida

What did your lawyer tell you? If you end up down the bankruptcy path, you'll want to familiarize yourself with the legal concepts of a preference, fraudulent transfer, and 11 U.S.C. 547 and 548. You've got a fair amount of assets to protect. You needed to start planning for an adverse judgment at t...
by AZAttorney11
Wed Jul 11, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2433

Re: Neighbor’s Contractor Damaged Adjoining Property

^Not to mention we don't even know where the OP's neighbor lives.
by AZAttorney11
Wed Jul 11, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"
Replies: 58
Views: 7197

Re: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"

There seems to be a lot of people who believe the recent gains in real estate (over the last 10ish years) are sustainable on a long-term basis in select cities. For some reason, folks forget about the dot.com bust, the housing market crash from 10 years ago, etc. Tech may be a long-term driver of th...
by AZAttorney11
Wed Jul 11, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"
Replies: 58
Views: 7197

Re: WCI blog post - "This Real Estate Bubble - Likely Isn't a Bubble"

dharrythomas wrote:
Tue Jul 10, 2018 1:31 pm
greg24 wrote:
Mon Jul 09, 2018 11:07 am
All real estate is local.
Until it isn't. While the bubble varied, there was a nationwide bubble, apparent in Calhoun County, AL and Richland County, SC followed by a nationwide crash. It was worse on the coast and in Vegas, but it was not a localized problem.
Phoenix says hello.
by AZAttorney11
Wed Jul 11, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Should I contact GMC about A/C issues?
Replies: 42
Views: 2327

Re: Should I contact GMC about A/C issues?

We have a 2014 Acadia Denali. Also Hs a bad condenser. Worst vehicle ever. Will never buy a GMC again. Same here, if GMC would step up to the plate and fix the parts I might consider another GM vehicle. Looks like I'll be getting a tundra next time. Careful on the Tundra. It scores poorly in all of...
by AZAttorney11
Tue Jul 10, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Should I contact GMC about A/C issues?
Replies: 42
Views: 2327

Re: Should I contact GMC about A/C issues?

The mistake you made was buying an initial year model following a major redesign. Don't do that again, especially for cars / trucks manufactured by GM or Ford. Let the suckers rush to buy the all-new redesigned model at inflated prices and allow a million or two models to be sold and driven for two ...
by AZAttorney11
Mon Jul 09, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s Contractor Damaged Adjoining Property
Replies: 30
Views: 2433

Re: Neighbor’s Contractor Damaged Adjoining Property

I don't know why this forum permits legal advice. And I don't know why non-lawyers are so quick to chime in with their thoughts / suggestions.
by AZAttorney11
Thu Jun 28, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2794

Re: New car dealer pricing

I recently bought a vehicle with a MSRP of $46,250 for $32,200 by buying a model that would soon be "dated" by a redesign in 2019. Luckily, I did not like the redesign in 2019 and actually preferred the 2018 model (and it was the fifth year of production for that particular model, so hopefully the ...
by AZAttorney11
Thu Jun 28, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2794

Re: New car dealer pricing

^ It all depends on the make and model. In my experience, the Truecar price was absurdly inaccurate. Thousands more could be saved by further negotiations.
by AZAttorney11
Thu Jun 28, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2794

Re: New car dealer pricing

I recently bought a vehicle with a MSRP of $46,250 for $32,200 by buying a model that would soon be "dated" by a redesign in 2019. Luckily, I did not like the redesign in 2019 and actually preferred the 2018 model (and it was the fifth year of production for that particular model, so hopefully the f...
by AZAttorney11
Mon Jun 04, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15449

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

This is a really bad idea for a lot of the reasons previously mentioned. Don't do it, OP.
by AZAttorney11
Sun Jun 03, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5573

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

I'll offer a counterpoint and I'm somewhat being devil's advocate here: The summers are just not worth it in Phoenix. It is like a sauna or opening the oven all the time. The mild winters do not make up for it. Air quality is poor. The culture is not that great either. Crime is high. There is no gr...
by AZAttorney11
Sat Jun 02, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5573

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

Summers are hot, but very dry. I spend quite a bit of time in New York and D.C. for work, and I’d much rather have 110 in Phoenix (with humidity at or below 7-8%) compared to 95 or 100+ back east with substantial humidity. Where did you visit in Arizona? Phoenix is much different than Tucson, Sedona...
by AZAttorney11
Sat May 26, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Professional negotiator
Replies: 21
Views: 2613

Re: Professional negotiator

Careful, depending on the type of transaction and the scope of your representation, you may end up with an unauthorized practice of law situation.
by AZAttorney11
Sun May 20, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed, how do I invest 1.5 million life ins. proceeds
Replies: 72
Views: 8713

Re: Newly widowed, how do I invest 1.5 million life ins. proceeds

tibbitts wrote:
Sun May 20, 2018 9:45 am
In your situation a 2% withdrawal rate would be aggressive
Why? I don't agree with that at all.
by AZAttorney11
Fri May 18, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1762

Re: Registering complaint with American Airlines/American Eagle?

How many other people, if any, missed the flight? I'm not sure what the issue is. There's a boarding time when all passengers are expected to be at the gate, even if you're zone seven on a basic economy fare and everyone knows you'll board last. Anytime I'm working in an airport lounge or not going ...
by AZAttorney11
Thu May 10, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Changing American Airlines Mileage ticket
Replies: 6
Views: 482

Re: Changing American Airlines Mileage ticket

Why don’t you call AA and ask?
by AZAttorney11
Mon Mar 26, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4945

Re: House Purchase - Sanity Check On Financials

I am a little surprised with the majority saying this can't be afforded. It certainly is pushing it, but OP is still talking about a mortgage that would be ~2.5x his gross income. I realize many here like that number to be closer to 2.0x income, but this isn't that crazy, is it? It's not the mortga...
by AZAttorney11
Sun Mar 25, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: House Purchase - Sanity Check On Financials
Replies: 53
Views: 4945

Re: House Purchase - Sanity Check On Financials

No way. Overall assets are light, and you only recently started making “real money.” What about the 529 accounts for the kids? I’m guessing property taxes on a $800,000 house in Dallas or a northern suburb will run $20,000 to $25,000 a year. Don’t forget the cost of furnishing the new place. I’d sta...
by AZAttorney11
Mon Mar 12, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 7089

Re: Tires: Where to Get? Warranty? And Questions?

+4 to Discount Tire. Where I'm at it's called "America's Tire" but they are the same company. I had a flat a few years ago, brought it in, and they got me out in about 20 minutes without a penny out of pocket (and never tried upselling me). I didn't buy the tires from them (they came with the car),...
by AZAttorney11
Mon Mar 12, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 7089

Re: Tires: Where to Get? Warranty? And Questions?

My wife urgently needed 2 tires on the car she drives a few months ago. She went to Costco and immediately bought 2 new Michelin Defenders - very top rated by CR. Not on sale (only bought 2 anyway) - but price was good - for such quality and rating. +1 Michelin Defenders are incredible for durabili...
by AZAttorney11
Wed Feb 28, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Outward signs of a private company failing
Replies: 20
Views: 1463

Re: Outward signs of a private company failing

Why don't you invest your time reviewing their audited financial statements instead of stalking cars in the parking lot?
by AZAttorney11
Sun Feb 25, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Help with GIANT interest car loan (28%)
Replies: 44
Views: 6100

Re: Help with GIANT interest car loan (28%)

A local credit union would be perfect for something like this. Look into refinancing the loan. Many of the credit unions in my area will refinance a vehicle even if the owner is severely upside down. Most only care about debt to income ratio.
by AZAttorney11
Tue Feb 13, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 7747

Re: Should I claim chapter 7 bankruptcy? debt 110k

See a lawyer but bankruptcy is like dropping a nuke on your life for many years. If you think it is going to wipe the slate clean to start over, think again. The toll this will have on your future is extreme. No, it is not an extreme toll on one's future. Filing bankruptcy is far more common than m...
by AZAttorney11
Fri Feb 09, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need help from someone experienced with bankruptcy and probate
Replies: 16
Views: 1083

Re: Need help from someone experienced with bankruptcy and probate

I do not believe any debts are discharged at death if there are still assets to distribute (outside of bankruptcy). Federal student loans. I'm not an expert on probate. But say a person having $100,000 in savings and $25,000 in federal student debt. That person passes on. I would assume that the fe...
by AZAttorney11
Tue Feb 06, 2018 10:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18401

Re: Vanguard site is crashed now?

Keepcalm wrote:
Tue Feb 06, 2018 9:54 am
Fidelity is now down.
Completely unacceptable. Let’s see how long until they remedy their issues.

For the record, I can get into my Fidelity account no problem as of 8:03 a.m. MST.
by AZAttorney11
Mon Feb 05, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18401

Re: Vanguard site is crashed now?

Ladies and gentlemen who couldn't reach Vanguard: Were we market timing? Shame! :mrgreen: Exactly! Why would you need to do something today in the down market unless you are a MARKET TIMER? That is NOT "staying the course". I think some people on this site really do not buy into the philosophy. Tha...
by AZAttorney11
Mon Feb 05, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18401

Re: Vanguard site is crashed now?

Whether one was looking to buy, sell, rebalance, or simply check the status of their account or other activity, it is inexcusable for an entire platform to be unavailable during regular market hours. Pathetic technology and reliability on full display from Vanguard today.
by AZAttorney11
Mon Feb 05, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 18401

Re: Vanguard site is crashed now?

Couldn't access Vanguard, but no problems using Fidelity. Sigh...
by AZAttorney11
Sun Dec 24, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 3654

Re: Securing Law School Scholarships

Are you a minority or female? Fair or not, that matters. If the answer is no to both, retake the LSAT.