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This is part three of how to capitalize on the changes in the spending habits of the baby boomers as they enter retirement. The focus this week is transportation.

Boomers will eventually buy fewer cars and travel less, so this idea is not one of the usual car manufacturers, parts rentals or even an airline play. But, it is still a transportation stock and one with a big future: Kinder Morgan (NYSE: KMI).

This is part two of a three-part series on adjusting your portfolio to follow Boomer…

The baby boomers have been a huge purchasing force in the U.S. for the past 30, almost 40, years. They have now begun to shift gears to retirement and their buying will continue be a driving force, but it will be in different areas.

A recent MarketWatch article by Robert Powell says we have to start adjusting a portion of our portfolios to match the change in their spending.

This is part one of three of how to do exactly that: follow the boomers’ money!

Even if your health holds out, which for most of us will not, don’t plan on this option unless you know of a Medicare-funded nursing home that allows you to telecommute. This option is just ridiculous for most people.

Yes, there are a few of us who will be able to go to a business or practice law or medicine part time, or even full time, until we are very old, but the vast majority of us will have to shut down much sooner than we think.

Working forever is just not viable…

A recent report by Vanguard, called Advisor’s Alpha, had some interesting things to say about the benefits of using financial advisors and how retired folks can benefit from them.

If you read this report, keep in mind this advice about the benefit of using advisors is coming from the company that made online trading and not using advisers possible.

Many baby boomers will be retired almost as long as they were in the workforce…

A recent MarketWatch article recommended that you should not allow yourself to be talked out of a Roth IRA conversion.

The most common reason to not convert a traditional IRA or a 401(k) to the tax-free, not tax-deferred, but tax-free Roth is the tax bill you incur by doing it.

As promised, today’s Two-Minute Solution is a follow-up to last week’s bargain-hunting segment: how to know when a stock is overpriced.

While there is no way to be 100% certain about a stock’s future value, there are two very simple measures that can give you a solid indication of whether it is fairly priced.

The first is incredibly simple – it’s the 52-week trading range.

When a stock is at or near its high for the year, it is usually a good reason to avoid it.

The topic today is bargain hunting…

Most small investors are great savers and – in all other things except investing – good bargain hunters.

But, when it comes to stocks and bonds, they are the worst.

During the darkest days of the market collapse of 2008 and early 2009, there were two areas I knew would never go over the cliff that seemed so close back then – banks and housing.

It would be a long road back for both, but I owned both and never had a doubt.

Both are essential. The world cannot function without them.