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Articles by William Droms
New rules for exercising if you’re over 50
A funny thing happens on the way to 50 and beyond: Your body doesn’t respond to exercise as it did earlier in your life. Fatigue, muscle and joint aches and increased injuries seem to happen with greater frequency. Unfortunately, it’s not your imagination. It happens to the best of us as a natural consequence of aging. In fact, some of the “standard” fitness rules no longer apply, at least not in the same way as they did in your 30s and even 40s.
It’s time to start safeguarding your retirement investments
What goes up must eventually come down, as every student of science and stock markets knows. This recent 30th anniversary of Black Monday, the single worst day in Wall Street history, is a fitting occasion to consider whether you’re prepared for the time when gravity inevitably brings soaring stock prices back to earth. No one anticipates a repeat of that fateful day in 1987 when the Dow fell 22.6%, the equivalent of a 5,000-point free fall at current levels.
The right and wrong ways to market your business to millennials
Millennials have overtaken boomers as America’s largest generation. They now number 75.4 million, compared with boomers’ 74.9 million. What does this mean to you if you’re a boomer (like me) or a Gen Xer and you run a small business? It means that you may need to rethink and adapt the way your take your products to market. You’ll want to accommodate the cosmic shift in how people in their 20s and 30s want to interact with your brand, your products and your services.
The smartest things I did when starting my own business
As a 28-year-old, my experience as an entrepreneur may not be the same as if you’re getting a business off the ground in your 50s or 60s. Still, if you’re hoping to launch a full-time or part-time business in midlife, it’s likely that many of my struggles would mirror yours. That’s why I think you can profit by knowing the lessons I learned in my first year running my business as a physical trainer.
3 hard decisions about aging you must make before someone does it for you
Sometimes, growing older feels like one loss after another. No longer being able to drive or stay in our own home is difficult to accept. If we feel we are forced into those decisions, it can be harder still. Yet when we put off making the decisions ourselves, others are pressed to step in. On the other hand, when we understand what we’re afraid of, we’re able to discover options that can alleviate the fear and take responsibility for the decisions that are truly ours to make.
Try spending like a retiree-before you retire
In planning for retirement, many people may develop what they believe is a realistic budget. Yet they have no palpable way of knowing whether they’ll be able to make changes necessary to stay within that budget and keep from prematurely exhausting their retirement resources. As many near-retirees underestimate spending in retirement — no matter how realistic they try to be — they ultimately end up drawing more heavily, and more quickly, on their retirement nest eggs than they planned.
What if retirement makes you miserable?
Some people find that after trying retirement, it just doesn’t agree with them. Here are three such stories of “un-retirees” — people who crave returning to work after retiring or went back to work part-time, and not only for the money. On the surface, Carolyn Bushong has the perfect situation: The semiretired 69-year-old psychotherapist closed her office in Colorado in 2012 and moved to Tucson when her boyfriend, a financial adviser, persuaded her to join him and retire in a warmer clime.
Is the Stock Market Presently Overpriced? | RealClearMarkets
AP PhotoNow that we all (or most of us, anyway) have settled in with the election results, it is pretty fascinating to look back at the market action during the fourth quarter of the year: from Election Day on Nov. 8 through the market close on Nov. 30, the Dow Jones Industrial Average Read Full Article ››
Is the stock market overpriced?
Now that we all (or most of us, anyway) have settled in with the election results, it is pretty fascinating to look back at the market action during the fourth quarter of the year: from Election Day on Nov. 8 through the market close on Nov. 30, the Dow Jones Industrial Average DJIA, +0.60% rose 790 points to 19,123 (+4.3%) and the Standard and Poor's 500 Index SPX, +0.85% climbed 68 points to 2,199 (+3.2%).
5 Higher-Yielding ETFs for Conservative Investors | RealClearMarkets
So, once again, the September meeting of the Fed held interest rates in super-low territory. As I noted last month, in the current era of extremely low interest rates, yield-starved investors are casting a wide net to find reasonably conservative investments that will improve on the low yields provided by investment grade bonds.
What can 2015 tell us about 2016?
Now that we have kicked off 2016 with a rather severe correction, it may be worthwhile to take a look back at 2015 to see how we survived the volatility last year. The stock market took us on a roller-coaster ride last year, but much like a real roller coaster, after some thrilling peaks and valleys, we ended up essentially where we started: the S&P 500 Index closed at 2044 on Dec. 31, 2015, after closing out the previous year at 2059, a 12-month drop of -0.7%.
How to tame a bear market
There's a lot of advice circulating now about market volatility and the potential end of the bull market we have been in since the March 2009 bottom. Suppose you are concerned about forecasts of impending gloom and you think you should sell your stocks. Before you think about selling, stop and give some thought to the "then what?" question: So suppose you sell, then what? The most likely answer is to go to cash and wait for a buying opportunity.
Don't Put All Your Eggs in One Basket
EXECUTIVE SUMMARY THE PROPER ALLOCATION OF RETIREMENT ASSETS is essential if investors are to have enough money, in qualified plans and other investments, for a comfortable and secure retirement. CPAs can help clients apply asset allocation techniques to retirement assets so a client's portfolio is effectively distributed among money market instruments, stocks, bonds, real estate and other assets.
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