Stock Market Retirement Investment Plan

Written by Charles M O'Melia


You have permission to this article either electronically or in print as long asrepparttar author bylines are included, with a live link andrepparttar 111874 article is not changed in any way. Please provide a courtesy e-mail to charles@thestockopolyplan.com telling whererepparttar 111875 article was published. (Word Count 501)

Stock Market Retirement Investment Plan

For a successful retirement investment plan to work inrepparttar 111876 stock market, some ‘reasonably sure’ assumptions would have to be made:

The retirement investment plan must take into considerationrepparttar 111877 one prevailing constant in any stock market security – risk and uncertainty. Understanding that risk and uncertainty arerepparttar 111878 key factors that propelsrepparttar 111879 return on investment inrepparttar 111880 stock market far beyondrepparttar 111881 returns of Passbook Savings Accounts, CD’s or Bonds are a start. The plan’s key factor would be to userepparttar 111882 risk and uncertainty of a stock market security to its advantage.

The retirement investment plan should be founded onrepparttar 111883 belief that no one can successfully retire without financial freedom. Therefore,repparttar 111884 retirement investment plan’s main role would be to supply you with income during your retirement years, while also taking into considerationrepparttar 111885 risk of inflation. This should be accomplished without having to touchrepparttar 111886 principle.

The retirement investment plan would require discipline to accomplish its goal. The goal should be clear and specific, andrepparttar 111887 discipline necessary to accomplishrepparttar 111888 goal, just as clear and specific. Also,repparttar 111889 retirement plan should not be financially out-of-reach, allowing as little as 100 dollars to begin, with as little as 10 dollars a quarter to continue.

The retirement investment plan’s return on investment should be aimed toward providing income, andrepparttar 111890 income fromrepparttar 111891 holdings inrepparttar 111892 plan should accelerate every week ofrepparttar 111893 year, until retirement. This should berepparttar 111894 case, no matter whatrepparttar 111895 price ofrepparttar 111896 security at any given time inrepparttar 111897 market place.

So you want to get free airline tickets: Should you get a travel reward or cash back credit card?

Written by Nick Lian


Travel or Cash Back Credit Cards?
If you want to use a reward credit card for getting free airline tickets, you have a choice of choosing a dedicated airline credit card, a travel reward credit card or a cash back credit card. A dedicated airline credit credit card has hefty annual fees and may not be worth it if you are not a very frequent traveller or spend enough on your credit card.
So should you get a no annual fee travel reward or cash back credit card to earn your free airline ticket? This articles explains how you should go about making this decision.
Let is assume we now have one reward credit card and one cash back credit card to choose from. The reward credit card pays one point for every dollar you spend on purchases. The cash back credit card pays a 1% rebate. Essentially, they both have identical payout formula of 1%. Let us assume both have no annual fee (very realistic) and both have identical apr. Would there be any difference betweenrepparttar two credit cards? Should we be indifferent? How do we decide which is better?
How much does your typical vacation airline ticket cost?
The most important factor that in this decision is actuallyrepparttar 111873 average cost of your airline ticket when you take your vacation. Why? Because most travel reward program (in fact, most frequent flyer program) require that you earn 25,000 miles or points to redeem a roundtrip restricted economy ticket within continental US. You are required to purchaserepparttar 111874 ticket either throughrepparttar 111875 specific airline directly (inrepparttar 111876 case of a specific frequent flyer program) or throughrepparttar 111877 reward program's agent. If you have a cash back credit card, 25,000 points will get you a $250 cash rebate (assuming a 1% formula).
But we all know that a domestic economy ticket cost can vary anywhere from about $99.00 to $350.00. If you are flying short haul, you can get a $99.00 ticket from a low cost discount carrier. If you fly from coast to coast, you are likely to have to folk out over $300 for a ticket. If you use get a special deal from expedia or priceline, you may get it cheaper.

Cont'd on page 2 ==>
 
ImproveHomeLife.com © 2005
Terms of Use