Harold Tynes

Comments

• Andrew, your story reminds me of another Andrew, my parish priest. He is from Wales and has lived here in Michigan for over 20 years. In spite of best efforts, he has been unable to obtain a green card. He requested a renewal of his work permit as early as possible in November. His permit expired in May and he was advised by the diocese and his attorney to leave his parish responsibilities until the permit was issued. It is now August and Father Andrew is still on the sidelines, unable to follow his calling or do meaningful work.

  Post: One Piece Of Paper

  Link to comment from August 5, 2026

• I'm not convinced that selling a bond fund in a taxable account and replacing it with a TIPS is a good idea. The taxation of individual TIPS in a taxable account involves paying taxes on phantom income. In other words, there is no current cash flow for this income. If you are speaking about a TIPS bond fund, you could have the same issues of the fund declining in value as rates rise. TIPs generally belong in tax deferred or tax paid accounts.

  Post: Taking a Loss?

  Link to comment from July 28, 2026

• I have invested my tax deferred IRA investments in TIPS. I have aligned individual bond maturities with my RMDs in the coming 15 years. The balance is in VTIP...a Vanguard 1-5 year ETF made up of TIPS with minimal fees. I also will invest the interest on the bonds in VTIP. This was all done painlessly through my Fidelity IRA account. As the years 2037-2039 do not currently have TIPS maturities, those years are covered by VTIP, for now. David Enna is the best at learning more about TIPS or I-Bonds...TIPSWATCH.COM.

  Post: Treasury Inflation Protected Securities (TIPS) are a Generational Bargain Right Now

  Link to comment from July 27, 2026

• Anyone consider a 3 year lease for a new electric car? The technology is still moving rapidly and self drive tech is coming. Such a huge obsolescence cost in new vehicles.

  Post: Buying a car in retirement

  Link to comment from July 18, 2026

• My operating theory on contractors…contact 3-5 contractors to get a quote, 1-3 come look at the project, 1-2 will provide a quote, 0-1 will show up if awarded job.

  Post: Reluctantly Saving Money

  Link to comment from July 8, 2026

• One idea I've used... turn off dividend reinvestment. This will allow you to accumulate cash and buy shares in an under allocated investment.

  Post: When to Leave Your Portfolio Alone

  Link to comment from June 27, 2026

• I have worked hard in the last year to simplify our portfolio, mainly on the fixed income side. 65/35 Equity overall, 28% International Taxable brokerage acct: 70/30 Equity with Index funds. A mix of Dimensional/Vanguard/I-shares with a small cap/value tilt. These funds have significant imbedded capital gains. I have recently begun buying DFAW (Dimensional World Equity) as my individual bonds mature over the next 5 years. Ultimately, I will be around 90/10 Equity. The Interest and dividends have been funding our living expenses before Social Security/Railroad Retirement. My wife and I will start drawing that next year. Roth- 100% Equity Mainly Dimensional ETF's with a value tilt. Converted a significant portion of our taxable IRA's to Roth over the last 5+ years. Taxable IRA -100% TIPS I have a bond ladder for my estimated RMD's into my early 80's. Balance is in VTIP (Short term TIPS ETF).

  Post: What’s in your portfolio ?

  Link to comment from June 25, 2026

• A good article from Morningstar explaining the Space X impact on index funds. The SpaceX IPO: How Index Funds Are Adapting | Morningstar

  Post: SpaceX IPO: Is Margin Optional?

  Link to comment from June 17, 2026

• Being an only child, my parent's estate was very simple. I had helped my dad realize he needed a will and directed him to a good attorney to prepare it. I have helped my relatives get their wills and assets in order. It made things so much easier. As far as disclosure of dollars in accounts, I am ambivalent. I knew my parent's financials. I helped one relative set up his estate to pass to his son. His son chose not to know the details. He just did not emotionally want to deal with it. I was with the son after his dad's passing. I walked him through the steps to take in the days after the funeral. Step one...call the estate attorney. It worked out OK not to know the details.

  Post: Time to share our financial info with children?

  Link to comment from June 8, 2026

• I came across this article from Alan Roth who tested AI for investment advice. He is one of my favorite investment writers. Analyzing the Analysis: How Do AI Portfolio Recommendations Hold Up? - Articles - Advisor Perspectives

  Post: ChatGPT’s Portfolio Advice

  Link to comment from June 8, 2026