Stock Market Retirement Investment PlanWritten by Charles M O'Melia
Continued from page 1
The retirement investment plan should be proven to you. Once proven, you must have confidence in yourself to carry plan forward. This do-it-yourself confidence means that retirement plan’s ROI benefits only you and your family and no one else. A no-fee plan enhances return on investment, allowing every cent put into plan to work for you. Companies owned in retirement investment plan should have a historical record of raising their dividend every year. Therefore, a future dividend increase for 10th or 35th consecutive year in a row can be ‘reasonably sure.’ The guide for selection of each security is its historical performance of rising dividends every year. To receive best return in retirement investment plan, all companies in plan would be purchased commission-free. All dividends from companies would purchase more shares of each company commission-free. Therefore, every cent earned in ever-increasing cash dividends every quarter and any extra cash put into retirement plan would work toward increasing cash dividend. Why bother beginning a retirement plan is best expressed, in my opinion, by a quote by Charles Kettering: “I expect to spend rest of my life in future, so I want to be reasonably sure of what kind of future it’s going to be. That is my reason for planning.” To read PREFACE from book ‘The Stockopoly Plan – Investing for Retirement’ visit http://www.thestockopolyplan.com
Charles M. O’Melia is an individual investor with almost 40 years of experience and passion for the stock market. The authorof the book The Stockopoly Plan – Investing for Retirement; published by American-Book Publishing.The book can be purchased at http://www.pdbookstore.com/comfiles/pages/CharlesMOMelia.shtml
| | So you want to get free airline tickets: Should you get a travel reward or cash back credit card?Written by Nick Lian
Continued from page 1
Choose a cash back credit card if you airline ticket cost less than $250
Hence, it is very important to know your vacation habits. Where do you tend to go for your vacations? How much does your average airline ticket cost you? If you tend to fly short haul to a nearby place for your vacation and your airline ticket cost about less than $250 (say for example $150), you are better off using cash rebates from a cash back credit card. This is because you only need to spend $15,000 on your credit card to get a $150 cash rebate. Spending $15,000 on a reward credit card only earns you 15,000 points, not enough on most reward program to earn a free domestic economy flight.
Choose a travel credit card if your airline ticket cost more than $250
However, if you fly long distance (New York to LA for example) and your airline ticket tends to cost over $300, then using a reward credit card makes more sense. This is because if you use a cash rebate credit card, you need to earn over $300 in cash rebates (ie spend over $30,000). However, with a regular reward program credit card, you only need to spend $25,000 to earn your 25,000 points.
So if you tend to take vacations that require long haul flights that cost more than $250, use a travel reward card. If your vacation flights cost less than $250, use a cash rebate credit instead. Some reward program only require 22,000 points to redeem a domestic roundtrip flight. In that case, use $220 or 22,000 points as your guide when you are choosing between a travel or cash back credit card.
Nick Lian http://www.compare-apply-credit-card-online.com Credit card tips, news and reviews for those looking for a credit card
|
