Search found 456 matches

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: 12114

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: 12114

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: 3751

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: 1164

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: 5146

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: 1259

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: 37
Views: 3474

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: 37
Views: 3474

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: 37
Views: 3474

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: 2225

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: 2187

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: 6833

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: 6833

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: 2044

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: 2044

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: 2187

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: 2574

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: 2574

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: 2574

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: 14374

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: 5277

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: 5277

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: 2497

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: 8327

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: 1645

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: 439

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: 4744

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: 4744

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: 6562

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: 6562

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: 1366

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: 5722

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: 7335

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: 1000

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: 17021

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: 17021

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: 17021

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: 17021

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: 3377

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.
by AZAttorney11
Sat Dec 23, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 15262

Re: Will you take this Fidelity bait ?

Bogleheads: Fidelity and nearly all other mutual fund companies (except Vanguard) serve two masters: Their investors and their stockholders. Who is likely to come first? I will continue to keep all my securities with Vanguard (since 1986). Best wishes. Taylor Hi, Taylor, If we are using expense rat...
by AZAttorney11
Fri Dec 22, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 24004

Re: Do you see a meaningful change in your income with new Tax Bill?

We are going to save a substantial amount. Very excited for the next 10 years (hopefully the cuts will become permanent)!
by AZAttorney11
Fri Dec 22, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 15262

Re: Will you take this Fidelity bait ?

Yes, I think John Bogle is a hero and I will forever be grateful for his work, but I find Vanguard cumbersome to deal with and I find Fidelity's website to be far superior. I am willing to pay more for that. Here's the great news, you don't have to pay more to invest with Fidelity. As other posters...
by AZAttorney11
Wed Dec 06, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 2340

Re: Least/Most Reliable Carmakers Today

It is very model specific. For example, the Audi A4 is a well known dog of a car. But the Audi Q5 is much more reliable (the link you posted has it being the most reliable model in its class).
by AZAttorney11
Tue Dec 05, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 3430

Re: Europe Suggestions

Following. We (myself, wife and a friend) are doing a trip in June starting in London then taking the train to Paris followed by Brussels and then Amsterdam. We will then fly home on icelandair and do a couple of day stopover in Iceland. We are doing AirBNB's everywhere except London, I will use po...
by AZAttorney11
Thu Nov 16, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Help with Understanding How to Handle Bonus
Replies: 51
Views: 5256

Re: Help with Understanding How to Handle Bonus

I understand you're in "extreme student loan repayment mode," but make sure you take some of the bonus money and do something special with your wife. It could be a nice night out, a weekend getaway, etc. Doesn't have to be a substantial sum of money, but definitely celebrate your accomplishment!
by AZAttorney11
Wed Nov 15, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 7853

Re: Sobering article for my 25 year old self

AZAttorney11, A person could not be 4.5% unemployed. We are not a statistic. << Again, it’s absurd to suggest that someone who is 25 and wants to work to 65 will only have 20 years of “full employment.”>> I do not suggest. This happened to many of my peers. They are permanently unemployed or under-...
by AZAttorney11
Wed Nov 15, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 7853

Re: Sobering article for my 25 year old self

AZAttorney11, A person could not be 4.5% unemployed. We are not a statistic. << Again, it’s absurd to suggest that someone who is 25 and wants to work to 65 will only have 20 years of “full employment.”>> I do not suggest. This happened to many of my peers. They are permanently unemployed or under-...
by AZAttorney11
Wed Nov 15, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Sobering article for my 25 year old self
Replies: 57
Views: 7853

Re: Sobering article for my 25 year old self

[quote=AZAttorney11 post_id=3620191 time=<a href="tel:1510784947">1510784947</a> user_id=61729] ^ It's absolutely nonsense that a 25 year old, who is otherwise healthy, ready, willing, and able to work, will only have 20 years of time to accrue earnings. So what are all of these people aged 25-65 d...