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I am a retired Physical Therapist and Certified Athletic Trainer. I obtained my BS in Physical Therapy at the University of Vermont, and Masters in Physical Education with a specialization in Athletic Training. I retired in 2019, and my wife retired in 2020, and we have spent the majority of our lives living in New Hampshire. I have managed my own portfolio for the past twenty years and have utilized a fee only Certified Financial Advisor on occasion to provide input to my financial plan on a few occasions, especially deciding if my assets were sufficient to retire. My financial guidance has come from years of following the principles of John Bogle and being an avid fan of Vanguard. My other resources for decision making are Christine Benz/Morningstar, and of course Jonathan Clements!
An Excellent Morningstar Article on CCRCs
3 replies
AUTHOR: David Lancaster on 8/7/2025
FIRST: mytimetotravel on 8/7 | RECENT: parkslope on 8/8
Bond Conundrum
24 replies
AUTHOR: David Lancaster on 7/7/2025
FIRST: Jim Burrows on 7/7 | RECENT: S on 7/26
How Was I to Know?
12 replies
AUTHOR: David Lancaster on 7/23/2025
FIRST: Mark Crothers on 7/23 | RECENT: S on 7/26
Selling Your House and Reaping Tax Free Capital Gains May be in Jeopardy
7 replies
AUTHOR: David Lancaster on 7/24/2025
FIRST: bbbobbins on 7/24 | RECENT: stelea99 on 7/25
Are You Going to Get the Social Security Benefits You First Started Paying For?
8 replies
AUTHOR: David Lancaster on 7/18/2025
FIRST: R Quinn on 7/18 | RECENT: DAN SMITH on 7/18
Morningstar’s Historical Review of the Benefits of the 60/40 Portfolios During Market Downturns
1 reply
AUTHOR: David Lancaster on 7/14/2025
FIRST: Norman Retzke on 7/14 | RECENT: Norman Retzke on 7/14
Securing Lower Taxes
13 replies
AUTHOR: David Lancaster on 7/10/2025
FIRST: stelea99 on 7/10 | RECENT: Nick Politakis on 7/11
Increased Deduction for Seniors
43 replies
AUTHOR: David Lancaster on 7/4/2025
FIRST: eludom on 7/5 | RECENT: Randy Dobkin on 7/7
Does a Happy Country lead to Happy Individuals?
31 replies
AUTHOR: David Lancaster on 6/20/2025
FIRST: bbbobbins on 6/20 | RECENT: R Quinn on 6/24
Interesting White Coat Investor on Lessons Learned Dealing with a LTC Company
6 replies
AUTHOR: David Lancaster on 6/17/2025
FIRST: 1PF on 6/17 | RECENT: smr1082 on 6/20
Let’s Stir Up the Bee’s Nest Again- Another Way of Calculating Net Worth
76 replies
AUTHOR: David Lancaster on 6/13/2025
FIRST: David Mulligan on 6/14 | RECENT: bbbobbins on 6/19
Medicare Advantage with No Premiums vs Traditional Medicare with Plan G Deductible
32 replies
AUTHOR: David Lancaster on 6/14/2025
FIRST: R Quinn on 6/14 | RECENT: DrLefty on 6/15
“Most Revealing Question in Personal Finance”
22 replies
AUTHOR: David Lancaster on 6/4/2025
FIRST: Jo Bo on 6/4 | RECENT: Norman Retzke on 6/8
Jonathan Is Everywhere on the Internet
1 reply
AUTHOR: David Lancaster on 6/4/2025
FIRST: Andrew Forsythe on 6/6 | RECENT: Andrew Forsythe on 6/6
Lesson Four From Taking Care of a 102 yo in Her Last Year of Life- The Final Hours of Life Can be Beautiful
13 replies
AUTHOR: David Lancaster on 4/12/2025
FIRST: Edmund Marsh on 4/13 | RECENT: David Lancaster on 5/29
Another Great Post by Mike Piper
7 replies
AUTHOR: David Lancaster on 5/6/2025
FIRST: luvtoride44afe9eb1e on 5/6 | RECENT: Rick Connor on 5/7
Lesson Five From Taking Care of a 102 yo in Her Last Year of Life- Politics and the News Has the Potential to Ruin Relationships
14 replies
AUTHOR: David Lancaster on 4/19/2025
FIRST: DAN SMITH on 4/19 | RECENT: David Lancaster on 4/20
What to do as the Bear Approaches
15 replies
AUTHOR: David Lancaster on 4/8/2025
FIRST: DAN SMITH on 4/8 | RECENT: Michael1 on 4/13
Lesson Three From Taking Care of a 102 yo in Her Last Year of Life- The Role of Faith in Dying
8 replies
AUTHOR: David Lancaster on 4/6/2025
FIRST: Jonathan Clements on 4/6 | RECENT: David Lancaster on 4/7
Lesson Two From Taking Care of a 102 yo in Her Last Year of Life- Preparing Oneself for Death
2 replies
AUTHOR: David Lancaster on 4/4/2025
FIRST: mytimetotravel on 4/4 | RECENT: DAN SMITH on 4/4
Lesson One From Taking Care of a 102 yo in Her Last Year of Life- Be Grateful
6 replies
AUTHOR: David Lancaster on 3/30/2025
FIRST: Edmund Marsh on 3/30 | RECENT: David Lancaster on 4/3
Lessons Learned from Taking Care of a 102 Year Old in Her Final Year
10 replies
AUTHOR: David Lancaster on 3/28/2025
FIRST: Rick Connor on 3/28 | RECENT: Dan Wick on 3/30
How Do Allocate the Bond Portion of Your Portfolio?
20 replies
AUTHOR: David Lancaster on 3/20/2025
FIRST: R Quinn on 3/20 | RECENT: Casey Campbell on 3/23
Great Ideas from Ed Slott for Estate Planning Using Roth Savings
12 replies
AUTHOR: David Lancaster on 3/20/2025
FIRST: William Housley on 3/20 | RECENT: William Perry on 3/22
The Status of Inherited IRAs in 2025
13 replies
AUTHOR: David Lancaster on 3/17/2025
FIRST: William Perry on 3/18 | RECENT: David Lancaster on 3/20
A Simple Way to avoid Phone Scams
11 replies
AUTHOR: David Lancaster on 3/17/2025
FIRST: DAN SMITH on 3/17 | RECENT: mytimetotravel on 3/18
Morningstar’s Report on Comparing 10 Year Returns on Active vs Passive Funds
8 replies
AUTHOR: David Lancaster on 3/12/2025
FIRST: Jonathan Clements on 3/12 | RECENT: Edmund Marsh on 3/12
Sequence of Return Risk
46 replies
AUTHOR: David Lancaster on 9/27/2024
FIRST: Dave Melick on 9/27/2024 | RECENT: David Powell on 3/7
Acorns
9 replies
AUTHOR: David Lancaster on 2/23/2025
FIRST: David Powell on 2/23 | RECENT: bbbobbins on 2/25
How Are You Planning to Pay for Potential Long Term Care Expenses?
82 replies
AUTHOR: David Lancaster on 2/4/2025
FIRST: R Quinn on 2/4 | RECENT: Scott A. Olson, CLTC on 2/14
Is There a Change Coming in the Direction of the Markets’ Winds?
20 replies
AUTHOR: David Lancaster on 1/14/2025
FIRST: Norman Retzke on 1/14 | RECENT: Norman Retzke on 1/18
Costs Matter
28 replies
AUTHOR: David Lancaster on 11/30/2024
FIRST: Rick Connor on 11/30/2024 | RECENT: Jack Hannam on 12/31/2024
How Often Do You Calculate Your Net Worth And Why
57 replies
AUTHOR: David Lancaster on 11/29/2024
FIRST: Patrick Murphy on 11/29/2024 | RECENT: Will Schenk on 12/5/2024
What is The 10 Year Return on Your Portfolio?
22 replies
AUTHOR: David Lancaster on 11/26/2024
FIRST: stelea99 on 11/26/2024 | RECENT: Steve Spinella on 12/2/2024
What Was in Your Portfolio?
4 replies
AUTHOR: David Lancaster on 11/23/2024
FIRST: R Quinn on 11/23/2024 | RECENT: evan rayers on 11/24/2024
HELP, I Want My Money Back!
10 replies
AUTHOR: David Lancaster on 11/16/2024
FIRST: DAN SMITH on 11/16/2024 | RECENT: David Lancaster on 11/18/2024
Who’s Comments Do You Look Forward to Most?
30 replies
AUTHOR: David Lancaster on 11/14/2024
FIRST: Randy Dobkin on 11/14/2024 | RECENT: mytimetotravel on 11/15/2024
Two to Follow
6 replies
AUTHOR: David Lancaster on 11/14/2024
FIRST: R Quinn on 11/14/2024 | RECENT: Ken Shelley on 11/15/2024
T Rowe Frequent Trading Policy
11 replies
AUTHOR: David Lancaster on 11/11/2024
FIRST: 1PF on 11/11/2024 | RECENT: David Lancaster on 11/12/2024
Who is on Your Personal Investing Mount Rushmore, and Why?
11 replies
AUTHOR: David Lancaster on 11/8/2024
FIRST: luvtoride44afe9eb1e on 11/8/2024 | RECENT: Steven Duncan on 11/10/2024
IRAs in a Trust
3 replies
AUTHOR: David Lancaster on 8/29/2024
FIRST: William Perry on 8/29/2024 | RECENT: David Lancaster on 8/29/2024
Comments
There’s certainly no harm in putting down a small refundable deposit on a few facilities. There is no commitment to take the plunge. At 67 we are starting to get more educated on CCRCs. My sister in law and her husband moved to one and she passed away after a few years living there. She had mild to moderate dementia and was in a daily singing group which allowed my brother in law to get an hour or so of respite daily as the other members would look after her. Also my wife worked at a local CCRC which was very nice, but most likely way out of our financial league.
Post: Starting Over, if you can. Some decisions are subject to change (I apologize for its length)
Link to comment from August 11, 2025
I bought a Cannon AE1 camera with my first paycheck as a Physical Therapist in 1980. It game me years of enjoyment.
Post: My Money Memories
Link to comment from August 9, 2025
With businesses’ fiduciary responsibilities I would be shocked if they adopt crypto as it would put them at risk of being sued. Private equity I could see. I just wonder with their lack of liquidity how the plan would be able to liquidate if there were a rush to dump it by their employees.
Post: Supercharging Your Retirement with Crypto: A Wise Move, or a Risky Bet?
Link to comment from August 8, 2025
Another amortization schedule nerd here as well.
Post: My Money Memories
Link to comment from August 7, 2025
I was a pinball wizard growing up. We would take a quarter each, went to the neighborhood bowling alley, played one machine and learned all of its idiosyncrasies and would play for hours with free games we earned. This is one reason why I have never bought a video game machine. I think it’s called addictive personality”disorder”.
Post: My Money Memories
Link to comment from August 7, 2025
As I have written recently, a coworker’s husband told me to buy some Apple stock when Steve Jobs was returning to the company. My response was, “No I’m an index investor, I spread my bets.” You know the rest of the story. But then again we turned out “fine”, but it could have been “fantastic”. However I probably would have sold way too early because my mindset is to not get too greedy. What is it that Gordon Gecko said? Greed is good!
Post: My favorite question.
Link to comment from August 7, 2025
Do you know the process for passing on the Bitcoin?
Post: My favorite question.
Link to comment from August 7, 2025
Please be aware that even though the structures of the different plans are identical the prices will vary according to where you live.
Post: Seeking Input on Medicare Supplement Carriers
Link to comment from August 3, 2025
Welcome to NH. I’m surprised you didn’t even mention there is no income nor sales tax in NH. When we decided to build our retirement home and move from the Concord NH area one of the main criteria was a low property tax town (this is where they make up the loss in revenue). We built a home that was assessed at about 50K more than our previous home and cut our taxes by 1/3. Nine years later we are still not near what we were paying previously. We are only 1 1/2 hours from Logan airport to meet our frequent travel. We wanted to build a ranch but found they were much more expensive, so built a colonial. Both being Physical Therapists we made sure the bottom floor was laid out such that the office could be converted into a bedroom, and the 1/2 bath/laundry could be converted into a small roll in shower with stacked appliances if one of us should become wheelchair bound. If we are ambulatory but can’t manage the stairs we knew we could purchase a stair glide which was recently purchased by my mother in law who could use it to access the upstairs even at 103 years old. So just beware there are alternatives to building or purchasing a ranch. Oh yeah, and it’s also no accident that is a 1/2 hour vs 1 1/2 from the beach.
Post: Let’s revisit the pros and cons of relocating upon retirement
Link to comment from August 3, 2025
“I’m pleased to observe spending has been within anticipated levels, although it has to be noted it’s at the upper boundary of projected consumption rates and monitoring is recommended to identify reasons.” A result of your generosity gene?
Post: My First Retirement Report Card
Link to comment from August 1, 2025