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Re: Do you love your job? What do you do?

I like my job - global director of a technical area for a non-profit. Every day I get to engage with people all over the world from the 80 countries we work in. I love my career - fighting poverty. Aligns with my beliefs and values. For all of human history material poverty has been our master and i...
by kamo
Sat Mar 22, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10089

Re: Safe Withdrawal Rate

I selected 3.3% in the poll. We plan to retire when our portfolio multiplied by 3.3% exceeds our average annual expenses over the previous four years. After that first year of retirement, all options (TLM, VWP, throw darts at a SWR table, etc.) are on the table for future withdrawals. Ideally, our p...
by kamo
Fri Feb 21, 2014 12:56 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate
Replies: 91
Views: 5730

Re: Valentine's Day

Church kindly organizes a 3-course dinner & dance for married couples for $20. Good food, good fun, good times. All with a gorgeous woman.
by kamo
Tue Feb 11, 2014 5:31 am
 
Forum: Personal Consumer Issues
Topic: Valentine's Day
Replies: 43
Views: 2600

Re: Do you have a Savings Account?

Savings account is mainly for smoothing the expenses throughout the year, saving up for those big expenses that happen one or twice a year (property taxes, insurance, tuition for kids, unexpected car repairs) as well as being first tier EF. +1. car insurance, homeowners insurance, HOA dues, Roth co...
by kamo
Tue Jan 28, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Savings Account?
Replies: 64
Views: 4961

Re: Any bogleheads work "for the dark side"?

If so, how do you cope with having your earnings come from the very decisions we choose to personally not make (variable, whole life, high-fee products, etc)? Do you really need money that badly? In my experience, the best salesmen really believe in their product. Find something you believe in to s...
by kamo
Sat Dec 14, 2013 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Any bogleheads work "for the dark side"?
Replies: 36
Views: 4019

Re: What percentage of your income are you saving?

We save 55% of gross and our annual spending is 1/2 of what we pay each year in federal tax. Now that would be an interesting poll: ratio of annual savings to federal income tax paid. It certainly would be more interesting than a straight 'how much do you save?' question. Your ratio gives savings s...
by kamo
Sat Dec 14, 2013 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 11688

Re: What percentage of your income are you saving?

Depending on income and cost of living area, there's a spectrum of gaps between "saving enough" and "saving as much as I possibly can". I know my spouse would not enjoy the austerity required to achieve some of the savings rates posted here. Being a boglehead is cool. If I were ...
by kamo
Sat Dec 14, 2013 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 11688

Re: A Modest Proposal

I do believe there is a sizable contingent who would appreciate such a sub-forum. SAM Maybe a poll will help you confirm/deny your belief. Frame the question as a yes/no response then wait for the responses to roll in. I think the moderators, esp. LadyGeek, do an excellent job and would vote to kee...
by kamo
Sat Dec 14, 2013 8:49 am
 
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 4410

Re: Poll: How much will you spend on Christmas gifts?

I chose $250<>$500. We have a lot of nieces and nephews and, like many have posted, gift to them but not to their parents. I like that my wife buys real gifts but I am noticing the older ones starting to prefer gift cards and this seems to take the gifting out of gifts so am wondering whether I shou...
by kamo
Sat Dec 14, 2013 8:06 am
 
Forum: Personal Consumer Issues
Topic: Poll: How much will you spend on Christmas gifts?
Replies: 34
Views: 1415

Re: How long do you keep your cars? Why do you replace it?

Until it wants me to push it more than it wants me to drive it.
by kamo
Sat Dec 14, 2013 8:02 am
 
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 4940

Re: Advice for studying abroad in Spain?

Am reading lots of great advice and experience from others. My study abroad experience 25 years ago (1 year/England) certainly changed my view of the world and of life, and probably led to my career track in development. So it can have a very big impact, as others have shared, on your daughter's lif...
by kamo
Fri Dec 06, 2013 10:41 am
 
Forum: Personal Consumer Issues
Topic: Advice for studying abroad in Spain?
Replies: 25
Views: 1109

Re: Paid off Mortgage today!

Congratulations and thanks for keeping me motivated to do the same.
I am sorry for your loss.
by kamo
Fri Dec 06, 2013 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4163

Re: How did u diversify before mutual funds?

Hello Kamo, I'm pretty sure they have ETFs in Peru that reproduce the peruvian stock market index (IBVL?). However, yes, expect them to have a 0.65% expense rate (the usual er for such iShares etf), and with other costs, total expenses must be around 1.5% (if brokerage costs are like the Colombian ...
by kamo
Wed Oct 30, 2013 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: How did u diversify before mutual funds?
Replies: 26
Views: 1199

How did u diversify before mutual funds?

A. How did people diversify their savings and investments after mutual funds became available but before low-cost, index mutual funds became available? B. How did people diversify their savings and investments before mutual funds? A friend of ours from Peru recently visited, is in situation A, and a...
by kamo
Wed Oct 30, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: How did u diversify before mutual funds?
Replies: 26
Views: 1199

Re: How many square feet is your home?

1400 sq ft. 3br/2ba. 3 adults/1 child. It keeps us busier/spending more than we want to dusting, vacuuming, mowing, heating, a/cing, lighting, landscaping, etc., but the location can't be beat.
by kamo
Tue Oct 22, 2013 12:19 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 10623

Re: [Poll] What's Your Current Mode of Camping?

Bike touring with a tent is not one of your options but at this very moment I am riding down the Pacific Coast on a tandem with my 10 year old daughter and 75 year old father who is riding a recumbent. We are mostly tent camping at state parks with the occasional hotel or vacation rental scattered ...
by kamo
Thu Jul 04, 2013 6:48 am
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6375

Re: [Poll] What's Your Current Mode of Camping?

As it so happens we just bought a pop-up tent trailer this week, putting us among 4% of Bogleheads per the poll. The time it took to put up our 8-person tent got too much and the Aspen Classic promises ease of set-up in minutes. Looking forward to testing it out in Colorado and the high desert aroun...
by kamo
Thu Jul 04, 2013 12:45 am
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 6375

Re: Is "buying organic" food worth it?

We moved back to the U.S. about the same time as Kroger, the nearest grocery store, started its Simple Truth line of natural and organic products. Wife said "we're feeding our son organic" and I said "yes, Ma'am". Being the Boglehead that I am I wasn't too happy spending more for...
by kamo
Thu Jun 27, 2013 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 4224

Property tax increase protest - other forms of evidence?

Thank you for taking time to read and respond to this question. I am protesting the change in appraised value by the county for our home. I would like suggestions on what evidence would most support our position. The 'structure and improvement market value' on our single family was increased 5.5% ov...
by kamo
Wed May 22, 2013 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Property tax increase protest - other forms of evidence?
Replies: 21
Views: 1019

Re: The Fine line between responsible and selfish/material

I have some major goals (paid off house, two State U college educations fully funded, retirement mid-50's) that happen to require a lot of money. I set our savings and frugality at just the level to reasonably meet those goals and no higher. The objective of money is to meet our goals, not a contes...
by kamo
Sat Mar 23, 2013 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Fine line between responsible and selfish/material
Replies: 104
Views: 8465

Re: The Fine line between responsible and selfish/material

My challenge is balancing saving a responsible amount for a retirement I can enjoy at 60, versus enjoying life TODAY. I struggle spiritually with it as well (please do not take this thread in a direction that will be banned) because I find my ultimate question is this: What is the balance between b...
by kamo
Sat Mar 23, 2013 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Fine line between responsible and selfish/material
Replies: 104
Views: 8465

Re: Your Home Equity / Net Worth Ratio?

1. 8.5%

2. No
by kamo
Thu Mar 14, 2013 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Home Equity / Net Worth Ratio?
Replies: 69
Views: 2792

Re: What % of gross income do you spend on rent/mortgage?

7.5%, and decreasing I expect (unless my gross income goes down)
by kamo
Mon Mar 11, 2013 4:36 pm
 
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 6678

Re: What % of your income are you saving for retirement?

crowd79 wrote:I have to say I am really amazed at the savings rates of some people.

And I thought I was saving enough at 30%! :oops:


You very likely are saving enough. For you.
Don't compare yourself to others, in savings rates or other ways. That's a competition that no one ever wins.
30% is great!
by kamo
Sun Mar 10, 2013 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 20368

Re: What's your number? Why?

[color=#FF8040][color=#FF8040]am still puzzled by something you wrote. You don't spend more than $40k/year and yet you feel that $6m is not enough. Is this a psychological quirk or there is logic behind it? A part of being a Boglehead is knowing when to quit. Victoria To tell you the truth, I don't...
by kamo
Sun Mar 10, 2013 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21192

Re: What's your number? Why?

1210sda wrote:
travellight wrote:I enjoyed your story,Abe. Congrats!


Ditto


Ditto Ditto
by kamo
Sat Mar 09, 2013 12:02 am
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 21192

Re: The Munchkin Man Diet

Congratulations and welcome back. From 327lbs to 167lbs? That is admirable and inspiring. I look forward to hearing how you did it as well as the financial implications involved in the lifestyle and diet changes you had to make.
by kamo
Sat Mar 02, 2013 2:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 10508

Re: Where were you financially in your late twenties?

I have to catch up, stopped reading at page two. I want to THANK YOU ALL for all of the replies, support and kind words. I feel so much better knowing that I am in the majority with my financial state, though I do not have the benefit of an MBA or Doctorate. :happy I wish I could "enjoy life m...
by kamo
Sat Feb 23, 2013 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 12034

Re: Where were you financially in your late twenties?

fcox85 wrote:
Yipee-Ki-O wrote:I think luck is a very underappreciated element of life!


I 2nd this!


What the heck, I'll 3rd it. And even add that luck is under-acknowledged and under-recognized. It is a part of any success story.
by kamo
Sat Feb 23, 2013 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 12034

Re: Peeking at investments...how often?

I calculate our net worth quarterly. I calculate our household spending monthly I peek at our checking and credit card accounts every couple of days. They are our first line of defense so I want to know more quickly if anything unusual happens there. Because of decisions made in the past and the com...
by kamo
Sat Feb 23, 2013 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Peeking at investments...how often?
Replies: 59
Views: 3288

Re: should I consider home equity part of asset allocation?

My question is when I look at putting 50k of the cash to work in the near term and and new money to work in the future, how would you view your "overall" portfolion and asset allocation in my situation. Is the 450k in home equity considered a part of my/your "asset allocation" o...
by kamo
Sat Feb 23, 2013 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: should I consider home equity part of asset allocation?
Replies: 27
Views: 1390

Re: What credit/charge cards do you have in your wallet?

Just one, a B of A Visa rewards card. You know the commercials for the 1-2-3 card? That one. 1.1% everything, 2.2% restaurant, 3.3% gas. It was 1, 2, and 3 percents, but there's a 10% bonus on rewards when deposited into a B of A checking account (which I have, although the rewards don't stay there...
by kamo
Sat Feb 23, 2013 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What credit/charge cards do you have in your wallet?
Replies: 114
Views: 6941

16.6% [Savings Rate for Americans]

According to Money magazine (March 2013, p.62) , taking from Dr. Pfau's work, this is the foolproof savings rate that Americans should use: "Wade Pfau,....., has crunched the numbers to find a safe level of saving that would have worked in every historical market stretch going back to periods b...
by kamo
Sat Feb 16, 2013 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: 16.6% [Savings Rate for Americans]
Replies: 22
Views: 2696

Re: Can I retire comfortably?

The enterprise revenue is much larger than $3M / year. If I could hire someone for $250k to 100% confidently run and grow the business the way I do then I would hire them in a New York minute. Alas, that person is EXTREMELY hard to find. That still wouldn't address my issue of a $3M bird-in-the han...
by kamo
Sat Feb 16, 2013 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 6509

Re: How do you find Mrs. Boglehead?

With great luck and emotion, which is not how I manage our portfolio. Recommend you don't confuse the two either. My wife makes my life fuller, my portfolio makes my, now our, life more secure. She doesn't give a hoot about investing but she does understand personal finance - LBYM, etc.
by kamo
Sat Feb 16, 2013 11:22 am
 
Forum: Personal Consumer Issues
Topic: How do you find Mrs. Boglehead?
Replies: 138
Views: 9698

Re: What Book Are You Currently Reading? Part V

KISS Guide to Home Improvement
by kamo
Tue Feb 12, 2013 5:06 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2626
Views: 598459

Re: What % of your income are you saving for retirement?

21% in 2012. 20-25% is our happy zone where we feel we're saving enough for retirement and spending enough today.
by kamo
Mon Feb 11, 2013 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 20368

Re: Why not to delay all gratification

Money It can buy a house, but not a home. It can buy a clock, but not time. It can buy you a position, but not respect. It can buy you a bed, but not sleep. It can buy you a book, but not knowledge. It can buy you medicine, but not health. Jerry[/quote] +1. Like how you distinguished what money is a...
by kamo
Mon Feb 11, 2013 9:03 am
 
Forum: Personal Consumer Issues
Topic: Why not to delay all gratification
Replies: 30
Views: 3504

Re: What % of your income are you saving for retirement?

Wow. I think some of yall just get paid too much. Trust me, I don't -- I'm below median for my town. I knew I would never be able to afford a home in the SF Bay Area so I have no mortgage and no money to buy one outright but have healthy retirement accounts. But while I may have a nice amount in a ...
by kamo
Sun Feb 10, 2013 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 20368

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1551.69

May the best Bogleheader win.
by kamo
Sat Jan 05, 2013 1:23 am
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15102

Re: What was your 2012 return?

Portfolio return came in around 16% on an 85/15 portfolio. I don't know about the rest of you but I do not include primary or vacation home in our portfolio value.
by kamo
Tue Jan 01, 2013 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 20286

Re: Becoming a Landlord Experiences

We looked at getting into the landlording business for single family homes in 2011 as it was clear that winds (low mortgage rates, low home values, etc.) were still blowing in our favor. We worked with a very good agent and saw a lot of houses. We made offers on a couple of them and even had one off...
by kamo
Tue Jan 01, 2013 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord Experiences
Replies: 77
Views: 8083

Re: Ready, aim, [Poll on Jan. 1 tax advantaged contributions

We'll transfer $11K from our taxable to our Roth accts. Didn't even know that Roth contributions increase by $500 in 2013 until I read two days ago the article written by Mel L. that was linked to Oblivious Investor's weekly email. Once again BHers have made me a better household finance manager. Th...
by kamo
Mon Dec 31, 2012 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready, aim, [Poll on Jan. 1 tax advantaged contributions]
Replies: 50
Views: 3393

Re: What Book Are You Currently Reading? Part V

Wealth Addiction by Philip Slater. Never thought of wealth as an addiction before reading this book, and now I wonder whether I'm an addict. I may not be a "pack-a-day" addict but some of his criteria struck a cord. Scott Burns referenced and recommended it a few times, including not too ...
by kamo
Thu Dec 27, 2012 11:10 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2626
Views: 598459

Re: How much are you giving to charity in 2012 ...

Per skylar's note, it would be interesting to accompany this money-based poll with a time-based poll. Some people give one or the other, and some like skylar give both. Would a time-based poll measure # hours volunteered? I wouldn't be proud of my results in either poll. :(
by kamo
Thu Dec 06, 2012 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: How much are you giving to charity in 2012 ...
Replies: 21
Views: 1796

Re: How much are you giving to charity in 2012 ...

Not giving as much as I would like to, especially in these difficult times. Can't imagine how difficult it must be to want a job and not be able to find one month after month after month. One that can pay the bills.
by kamo
Thu Dec 06, 2012 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: How much are you giving to charity in 2012 ...
Replies: 21
Views: 1796

Re: Expat - Need advice on tax strategy

I understood the OP's query the same as Viking65, and agree with his ideas to maximize your rental income - deductions/exemptions gap. His ideas were ones I used living overseas for many years. The two years before moving back to the States I sold off cap gains to the extent of my gap without payin...
by kamo
Thu Dec 06, 2012 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expat - Need advice on tax strategy
Replies: 8
Views: 711

Re: Expat - Need advice on tax strategy

I understood the OP's query the same as Viking65, and agree with his ideas to maximize your rental income - deductions/exemptions gap. His ideas were ones I used living overseas for many years. The two years before moving back to the States I sold off cap gains to the extent of my gap without paying...
by kamo
Wed Dec 05, 2012 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Expat - Need advice on tax strategy
Replies: 8
Views: 711

Re: How secure are you?

Too many usernames and password I have. Every site seems to need them nowadays, and if you only use the site once a month/quarter, then you have to write it down somewhere. And because you have so many you need them frequently and so where you write them down has to be easily and quickly accessed. I...
by kamo
Wed Dec 05, 2012 8:17 am
 
Forum: Personal Consumer Issues
Topic: How secure are you?
Replies: 72
Views: 7363
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