Search found 70 matches

by kamo
Sun Dec 27, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: A different way to allocate assets? – please critic
Replies: 6
Views: 808

Re: A different way to allocate assets? – please critic

It is a reasonable approach. Of course it depends on the size of your overall portfolio e.g. what portion of it would 250k be? If you have 2 million - no sweat, if it is 500k then it may still be ok but you have much less of a margin to work with. I think you are wise to think about post retirement...
by kamo
Sun Dec 27, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: A different way to allocate assets? – please critic
Replies: 6
Views: 808

Re: A different way to allocate assets? – please critic

Your idea is worthwhile, but don't forget rebalancing takes care of a lot of the problem. For instance, if the market drops 15% you would be underweight in equity, so the first thing you do is take your withdrawal from bonds to move back toward target AA. If the WD is not enough, then you would reb...
by kamo
Sun Dec 27, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 7368

Re: How much do you spend on groceries?

Our family of four spends around $800 a month on groceries plus another $200-250 on restaurants/fast food. On the groceries we shoot for natural and organic when not excessively more expensive than commercialized.
by kamo
Sun Dec 27, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 8711

Re: Bogleheads: Share how you like to vacation

Like many have posted, the perennial road trip seeing the beauty of our country and meeting its good folks at stops along the way, in state and national parks, at campsites, etc. is how we like to spend our vacation. Likely inherited from my parents who piled the 5 kids into a '72 Chevy Station Wago...
by kamo
Thu Dec 24, 2015 11:13 am
Forum: Investing - Help with Personal Investments
Topic: A different way to allocate assets? – please critic
Replies: 6
Views: 808

A different way to allocate assets? – please critic

Dear Bogleheads, Thank you for taking the time to read and respond to my post. DW and I plan to retire in five years. We will have two teenagers at home then, and their college costs are already covered and accounted for separately from my portfolio questions below. I struggle to define my risk tole...
by kamo
Sun Feb 22, 2015 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 11156

Re: What % of your gross income do you spend on mortgage/ren

10%. Includes utilities, HOA, insurance.
by kamo
Tue Dec 16, 2014 5:24 am
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 9362

Re: What are your 2015 Financial Goals?

Quit company I worked for 18 years, take a year off work, and travel with DW + 2 sons
Contribute to 1 403b and 2 Roths.
Enjoy first year of post-mortgage life.
Savings rate = 30% until quit job.
Complete a will.
by kamo
Tue Dec 16, 2014 3:53 am
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 10348

Re: Most/Least Boglehead 2014 Activity?

Most - paid off mortgage! dumped my (albeit low-cost) financial advisor! saved for 1 403b and 2 Roths!

Least - overspent our budget because lacked discipline
by kamo
Wed Dec 03, 2014 12:20 pm
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 18278

Re: What temperature for house for long winter absence?

Water is definitely the killer when it comes to freezing temperatures, if you've turned your water off and drained or blown out the lines than even if something goes wrong it should be the end of the world. What thermostat do you use PatSea? I've looked at the NEST. I've also checked out the TEMPSP...
by kamo
Thu Nov 20, 2014 4:55 pm
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 18278

Re: What temperature for house for long winter absence?

OP here. A big thanks for all the replies and good advice. We'll leave feeling much more secure now. Thanks.
by kamo
Thu Nov 20, 2014 2:04 pm
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 18278

Re: What temperature for house for long winter absence?

earlyout wrote:It would help a lot if you told us where you live.



Sorry bout that. We live in north Texas.
by kamo
Thu Nov 20, 2014 11:42 am
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 18278

What temperature for house for long winter absence?

Hi, We'll be away from home for 2 months this winter for the first time. I want to minimize our heating cost while at the same time not damage any appliances/infrastructure in the house. In your opinion, what temperature should I set the house at during these two months? I don't know if it matters b...
by kamo
Thu May 01, 2014 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: An easy way to save money: Avoid the $300,000 car.
Replies: 152
Views: 21094

Re: An easy way to save money: Avoid the $300,000 car.

HomerJ wrote:Don't buy too much house and don't buy too much car, and you've got 95% of the battle won.

You can waste money on a lot of little $3 and $5 and $20 purchases if you get the house and car right.


+1 for both sentences.
by kamo
Sun Apr 27, 2014 10:38 am
Forum: Personal Consumer Issues
Topic: anyone here subscribe to The Economist? (renewal question)
Replies: 32
Views: 8683

Re: anyone here subscribe to The Economist? (renewal questio

I've been a subscriber to The Economist for 3 years now. The first year only cost me $44 thanks to a coupon I bought on ebay. I then renewed for $29/quarter for the next two years. They just sent my renewal notice and the price has increased to $36/quarter. It's not a huge increase, but they are cu...
by kamo
Sun Apr 27, 2014 10:20 am
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 37078

Re: What's your usual retirement day like ?

I'm not retired, so I can't contribute, but this is a great thread. It is a great thread. I can see it becoming one of the longest threads in the forum's history. On the part of contributors it is easy to contribute to (write how you spend your day) and it can be contributed to repeatedly (daily ro...
by kamo
Wed Apr 23, 2014 8:10 pm
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 89
Views: 19784

Re: Where would you retire, if $ were no object?

U.S. - in an RV cruising around this great land of ours

Non-U.S. - Iquique, Chile or Budva, Montenegro or London, England.
by kamo
Sat Mar 22, 2014 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 11958

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
Thu Feb 20, 2014 11:56 pm
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate
Replies: 91
Views: 8922

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
Tue Feb 11, 2014 4:31 am
Forum: Personal Consumer Issues
Topic: Valentine's Day
Replies: 43
Views: 3204

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 Jan 28, 2014 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a Savings Account?
Replies: 64
Views: 6067

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
Sat Dec 14, 2013 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Any bogleheads work "for the dark side"?
Replies: 36
Views: 4348

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 8:59 am
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 14902

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 8:39 am
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 14902

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 7:49 am
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 6195

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 7:06 am
Forum: Personal Consumer Issues
Topic: Poll: How much will you spend on Christmas gifts?
Replies: 34
Views: 1552

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 7:02 am
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 5434

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
Fri Dec 06, 2013 9:41 am
Forum: Personal Consumer Issues
Topic: Advice for studying abroad in Spain?
Replies: 25
Views: 1734

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 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4650

Re: Paid off Mortgage today!

Congratulations and thanks for keeping me motivated to do the same.
I am sorry for your loss.
by kamo
Wed Oct 30, 2013 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: How did u diversify before mutual funds?
Replies: 26
Views: 1293

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 11:23 am
Forum: Investing - Help with Personal Investments
Topic: How did u diversify before mutual funds?
Replies: 26
Views: 1293

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
Tue Oct 22, 2013 11:19 am
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 11793

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
Thu Jul 04, 2013 5:48 am
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 7841

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
Wed Jul 03, 2013 11:45 pm
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 7841

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 Jun 27, 2013 6:08 pm
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 5493

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
Wed May 22, 2013 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax increase protest - other forms of evidence?
Replies: 21
Views: 1634

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
Sat Mar 23, 2013 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: The Fine line between responsible and selfish/material
Replies: 104
Views: 8779

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 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: The Fine line between responsible and selfish/material
Replies: 104
Views: 8779

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
Thu Mar 14, 2013 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Your Home Equity / Net Worth Ratio?
Replies: 119
Views: 8696

Re: Your Home Equity / Net Worth Ratio?

1. 8.5%

2. No
by kamo
Mon Mar 11, 2013 3:36 pm
Forum: Personal Consumer Issues
Topic: What % of gross income do you spend on rent/mortgage?
Replies: 132
Views: 7715

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
Sun Mar 10, 2013 10:48 pm
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 24536

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 10:30 pm
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 25727

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
Fri Mar 08, 2013 11:02 pm
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 25727

Re: What's your number? Why?

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


Ditto


Ditto Ditto
by kamo
Sat Mar 02, 2013 1:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: The Munchkin Man Diet
Replies: 120
Views: 11870

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 Feb 23, 2013 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 13152

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 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 13152

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 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Peeking at investments...how often?
Replies: 59
Views: 3506

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 9:47 am
Forum: Investing - Help with Personal Investments
Topic: should I consider home equity part of asset allocation?
Replies: 27
Views: 2896

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 9:27 am
Forum: Personal Finance (Not Investing)
Topic: What credit/charge cards do you have in your wallet?
Replies: 114
Views: 67660

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 16, 2013 6:56 pm
Forum: Investing - Theory, News & General
Topic: 16.6% [Savings Rate for Americans]
Replies: 22
Views: 3067

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 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Can I retire comfortably?
Replies: 61
Views: 7036

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...

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