Search found 91 matches

by kamo
Mon Jan 23, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

We snowbird. We have a written checklist with about 20 items on the list. We check stuff off as we do it the last few days. We put closing and locking the garage as the last item on the list. 1. Set the thermostat at 60 to 88 degrees. Cooler kills the house plants. Hotter is bad on furniture and st...
by kamo
Mon Jan 23, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

I leave for abroad every single year for 3 months, for the last 20 years. I have left for as long as fifteen uninterrupted months. Regular car: do nothing. Water: shut off general valve, outside, AND PUT A SMALL PADLOCK IN THE SMALL HOLE PROVIDED. You do not want it turned on while gone. Shut off i...
by kamo
Tue Jan 10, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

Hi Everyone, We are going abroad for 4 months this year, from February to May. I would like advice from anyone who has done something similar in terms of what we should do with our home, cars, taxes, etc. before we leave? Home. We live in the south so no real concerns about long periods of time bel...
by kamo
Tue Jan 10, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

Just curious, where are you going for 4 months? Work or leisure? I was under the impression that (assuming several places like Europe) you could only go 3 months on a vacation visa before you had to leave the country. We're heading to Chile where DW is from. Yes, you're right, it is a 90-day visa b...
by kamo
Tue Jan 10, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

Consider: setting your water heater(s) to the lowest setting or completely off Forwarding your mail to your sister's Turing off the home's water service entirely. If you don't, shut off the supply valves to the cloths & dish washers Advise your local police that you will be away, and give them ...
by kamo
Tue Jan 10, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

I can legally turn off the water at the street meter? We have a shut off valve where the water main comes into the house. Maybe you do not. If not, check with your city water dept - they will likely not want you turning off at the meter, but they can. Alternately, at least shut the supply going to ...
by kamo
Mon Jan 09, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

Have the sisters who check your mail also run water in the sinks/tubs/showers for a minute every week or two (maybe also flush the toilets). Water in the pipe traps tends to evaporate over time if not replenished. If the water in the traps isn't sufficient it will let noxious sewer gases into the d...
by kamo
Mon Jan 09, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

In another post you stated that you live in N. Texas. Are pack rats or other rodents in your area? The reason I ask is I have had problems with pack rats doing significant damage to my cars parked outside in AZ and So. CA. My car actually caught fire from a pack rat nest which was built on my car's...
by kamo
Mon Jan 09, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

I second disconnecting the water from the washing machine and dishwasher. We had a flood one time due to a connection in the dishwasher failing. We now shut off the water at the point it enters the house, and turn the hot water heater down to vacation. Regarding taxes, make sure to ballpark your po...
by kamo
Mon Jan 09, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

Re: 4 Months Abroad - what to do before we leave?

Unless the cars will be driven more than just around the block when you are gone you should disconnect the batteries from both the Corolla and the Prius. If your Prius is like mine (different model year) the 12V battery you need to disconnect is in the back, not in the front with the engine. Fill t...
by kamo
Mon Jan 09, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: 4 Months Abroad - what to do before we leave?
Replies: 45
Views: 4145

4 Months Abroad - what to do before we leave?

Hi Everyone, We are going abroad for 4 months this year, from February to May. I would like advice from anyone who has done something similar in terms of what we should do with our home, cars, taxes, etc. before we leave? Home. We live in the south so no real concerns about long periods of time belo...
by kamo
Sat Aug 13, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: SWR for mother-in-law living in another country?
Replies: 5
Views: 590

Re: SWR for mother-in-law living in another country?

Her AA is 50/50 Is this allocation invested IN the U.S. [under U.S. protection] or IN the Bolsa de Santiago [Chilean Markets]? I could not find reliable markets return data for the Bolsa de Santiago [i.e annual returns for the past 30-50 or so years]. Too many unknowns to make a call. To your mil, ...
by kamo
Fri Aug 12, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: SWR for mother-in-law living in another country?
Replies: 5
Views: 590

SWR for mother-in-law living in another country?

What advice would you give for the initial setting of a safe withdrawal rate (SWR) for a single woman, 73 years old, living in Chile, and with no plans to live in the U.S.? I help manage her finances. Her age and her location make me uncertain how to adjust the standard starting SWR of 4% for someon...
by kamo
Thu May 12, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance - what % deductible for hail/wind
Replies: 0
Views: 381

Home insurance - what % deductible for hail/wind

Howdy, I'm reviewing our home insurance policy for the first time. We have a 1% deductible for wind/hail damage and we live in N. Texas. I am wondering what other N. Texas Bogleheads have as a deductible for wind/hail. The difference in our annual premium, which is up for renewal, would be $180. Tha...
by kamo
Thu Mar 31, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 4967

Re: Bro Trip suggestions?

Excellent ideas so far. A real cross section of interests and geographies that we'll seriously look at. I edited the original post to add in "living history and historical places" (e.g. Williamsburg) as I forgot this common interest among the three of us and thought that it might spark add...
by kamo
Tue Mar 29, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 4967

Re: Bro Trip suggestions?

[quote="tyrion"]It might be useful to include where the 3 of you live so we can stop suggesting things like Iceland or Maui for a weekend. 2 are in Texas and 1 is in Northeast Pennsylvania. If you're really trying to make it an annual thing, it might be worth coming up with a loose schedul...
by kamo
Mon Mar 28, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 4967

Re: Bro Trip suggestions?

Good ideas re ball games, but likely we'll do it Oct-Nov time period. And we're not big enough fans to pay playoff/World Series prices.
by kamo
Mon Mar 28, 2016 4:20 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 4967

Re: Bro Trip suggestions?

WhyNotUs wrote:What time of the year?


October.
by kamo
Mon Mar 28, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 4967

Bro Trip suggestions?

My two brothers and I are looking for ideas for how to spend an extended weekend together in October. We live in different parts of the country so have to fly in, have fun, and fly out between Friday and Monday. We're all mid 40s-50s. We all like hiking, visiting new places, living history and histo...
by kamo
Wed Mar 09, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 113
Views: 14565

Re: Cities good for living abroad?

But OP needs to name some specific parameters to really narrow down.... OP here. Thank you all for the many interesting responses. Much food for thought. We will be traveling the next couple of days. I will respond in more detail after we get home on Wednesday night. Our ideas are changing / being ...
by kamo
Wed Mar 09, 2016 12:16 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 113
Views: 14565

Re: Cities good for living abroad?

Depends so much on your interests. I like London, NY, Chicago and lot of others in the list below. 3-6 months might be adequate in some of these places. Visa stay limits will be a big constraint. Some of the places I have spent a few days/weeks in but are on my "extended-stay" list - ... ...
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: 1101

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: 1101

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: 9849

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: 12093

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: 1101

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: 16908

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: 10993

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: 12221

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: 70
Views: 97020

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: 70
Views: 97020

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: 70
Views: 97020

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: 70
Views: 97020

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: 24574

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: 33
Views: 11516

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: 201
Views: 45238

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: 21533

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: 14538

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: 10486

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: 3921

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: 7452

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: 4871

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: 19736

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: 19736

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: 7152

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: 2104

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: 6677

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: 2197

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: 5493

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: 1613

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 ...