What makes an investment ethical

images16

People want their money to work hard to deliver the best possible return on their stake. There are many ways that people can grow their money, from traditional savings and ISA accounts to more diverse investments such as commodities.

Current times are quite challenging in terms of what investments actually do provide a decent return on customers monies, and many people are turning to ethical investment opportunities.

What is an ethical investment?

An ethical (also known as Sustainable) investment is an investment that not only offers a good return on the clients money but also helps the planet. This is done by investing in commodities such as timber, where plantations are created and harvested over a designated period of time. These opportunities often come with social and environmental objectives. They can provide jobs to communities whilst creating sustainable fuels and forestry for years to come.

Why should you chose an ethical investment?

Investing money is all about getting a return at any cost. Ethical opportunities are different in that respect. Ultimately the end goal is getting a return on investment, but alongside this investment you know that the money is being put to good use in both a socially and environmentally responsible way. By choosing an ethical investment you can be sure that your money will be put to use in a way that will also help the environment both now and the foreseeable future.

What are the risk of ethical investments?

There are always risks in any investment and ethical opportunities are no different, however they do tend to often perform well under poor market conditions. It is important to note, however, that an ethical opportunity might have a higher risk profile than other investment opportunities where a companies activities are more mainstream.

What types of ethical investments are available?

There are many different types of sustainable opportunities available to people who are serious about socially responsible investments. These can range from Forestry and Farming to alternative energy sources and eco-housing.

Before you embark on any type of investment, be it ethical or not, you should always seek guidance and where possible have a look at how the market has been performing over a period of time. Sustainable investments can offer a very high return on your investment, but as with any investment there is an element of risk involved. In some cases the element of risk may be higher in an ethical investment than in a non-ethical option so you should always research the market prior to departing with your hard earned cash. You should only ever invest what you can afford to potentially lose.

Sustainable investments can provide you with a high return on your money, whilst also helping to build a sustainable planet.

Financial Advisors need to take their women client even more seriously

images2

The society being a patriarchal or male dominating one, the women involvement in most of the matters especially finances is never considered to be significant enough. Instances are there when a couple approaches a financial advisor, the male partner seems to be enjoying all the attention and leading the discussion rather the female partner.

This precisely the reason a woman rarely is heard of trusting an advisor when it comes to planning the finances. The Attitude of an adviser

Most of the financial advisers do not even consider taking the opinion of a woman in the family even if he is approached by both the couples. According to him, she is still the same women who had little knowledge about the finance related issues.

The advisers still live in the old age era when women had no decision making power on financial issues.

They rarely encourage a woman client to express her opinion. They never seek for their availability to explain the financial planning of the entire family. When they present a plan to the client they don’t feel the necessity of including the woman of the family. Advisers find explaining two people about the same plan as wastage of time, giving preference to the male partner.

Even when they meet both the couples, the preference is always given to the opinion of the husband than the wife. As because she is silent on many occasions, it is taken for granted that she does not have much understanding of the issue.

The changing scenario

With more and more number of women obtaining higher degrees and getting involved with a professional life, they have an equal hold on the issues related to finances. She know well how much she earns, or the family earns, what are the expenditures and how much saving is needed for the future requirements. There are many who work in the Finance Departments and handle the affairs brilliantly. Today’s women whether she has a major in Mathematics or economics or not, has a fair knowledge of financial development happening in and around. She is completely aware of various Insurance Plans, the benefits, the premiums and the taxes which she or her family is supposed to pay.

Rosy Brown is Social Media Expert and a Technical Writer. She believes in sharing his experience and intellects through live discussion or/and write ups. In this article she has discussed about advisers, women, client, financial, planning.

Affiliate Marketing – Making Money on Autopilot

images14

The Internet offers a lot of ways to earn money that didn’t exist ten years ago. One of the more popular ways of making a living on the World Wide Web is through affiliate marketing. This method of advertising rewards those who promote a product for a seller or manufacturer by giving them a portion of the sales price when an item sells. As an affiliate, you don’t actually make the sales; you simply advertise a product and direct the customer to the site where they can make the purchase. When they buy, you collect.

The system does have its rewards; one of them is that you can promote products around the clock with a Website without having to deal with customers directly. Customers can visit your Website, see your promotion for a product, and click on a link to buy it without any direct involvement on your part. In that sense, affiliate marketing can be “automatic”, but prospective marketers should not confuse “automatic” with “no effort.”

Many authors of books devoted to the topic of making money sell their books via affiliate marketing. Many of these authors, in order to increase sales, suggest that as an affiliate, you can make money on “autopilot”, and that doing so requires little or no effort. They often embellish this even further by suggesting that it is only necessary to work one or two hours a week to make a fortune online. Nothing could be further from the truth.

The truth about earning money through affiliate marketing is that it is, like anything else you might do, hard work. It is true that you can create a Website with information and links that customers may use to make decisions and purchases. Once you create such a Website, how will customers find it? You have to promote that Website, and doing so is hard work. The online marketplace is a competitive one, and establishing a viable Website while competing against thousands of others can quickly become a full time job. This is particularly true if you create more than one Website to promote more than one product.

Even if you get a lot of visitors to your Website you will find yourself continually making adjustments to the site’s content in order to increase the number of visitors who make a purchase. A simple “this product is good – buy it!” will not persuade many visitors to make a purchase. You’ll have to do a lot of time consuming experimentation in order to find something that works for you.

Is there money to be made in affiliate marketing? Of course. Anyone thinking that it’s “easy money” or that you can create a business in minutes that will start making money today should probably reconsider. As with any business, making money online is hard work.

Iraqi Dinar Trade Offers Customers A Secure Method Of Buying Exotic Currencies

images14

Iraq might not be a well-reputed country politically, but it is one of the richest countries due to its resources like crude oil. This has brought a lot of investors in this country from different corners of the world. Still, the currency of Iraq id troubled situation and remains in exotic status. Most of the people in Iraq have lost their faith in dinar currency but to some foreign speculators, it promises great returns. As Iraq re-evolution is expected to happen, which will improve the situations. Foreign Exchange experts and well-know economists agree that the currency of Iraq is poised for a comeback. All these conclusions are based on the fact that the economy in Iraq is projected to recover by 2013.

As the world is facing shortage of oil, the price of crude oil increasing and it is expected to play a part in the recovery of the Iraqi dinar’s value. This recovery of Iraq economic condition is expected to be responsible for a surge in the value of the exchange rate of dinar. It is calculated that the value of dinar will increase and soon one dollar will be equal to three Iraqi dinars. Owing to these factors, Iraqi dinar trade is on boost and gathering many foreign investors in search of heavy returns. The increases in the value of Iraqi dinar will automatically the interest in dinar trade.

There are many online dealers who give a good platform to all the investors looking for online dinar trade. But before investing your hard earned money, you should do a thorough research online do find reliable online dealer. There are also a lot of fraud dealers available online, who can easily loot all your money without any guarantee of returns. One should always choose the dealer with 100 % authentication and certified from the required government bodies.

Not only Iraqi Dinar, but also Chinese Yuan, Vietnamese Dong, the Hong Kong Dollar and several other currencies are considered as trouble currencies and expected to get re-evaluation soon. You can easily buy all these currencies from the online dealers. Among all of them, Dinar is considered as the most profitable currencies to invest in. You can easily buy and sell dinar online in just a couple of clicks. If you are also interested in buying, selling and exchanging dinar online, there are various online dealers who offer you the opportunity to make secure payment online.

Three simple and affordable advertising ideas for your small business

images15

When running a small business, marketing your products and services is an important aspect your must consider and plan for. No matter what industry you play in you will no doubt have competition. Even if you provide a better service or product you still need to stand out so consumers know. Marketing can be a big cost but there are also many affordable alternative to advertise your business.

Here are three simple advertising ideas and suggestions to give you high visility.

Vehicle back windows

A rear car window covererd with a sticker of your business is an affordable option to promote your business. Whenever your car is being driven around your business is being seen. For as little as one hundred and fifty dollars this is a small investment. Depending on how many years your sticker last, the breakdown cost of purchasing you rear window sticker works out to be even less.

Don’t overload the sticker with too much details. Keep the sticker bright and colorful. Avoid a cluttered look with too much details. Keep it simple. Don’t put more than three items of information. Your logo with business name, phone and tagline is all you need.

Car magnets

Large car magnets are another cheap alternative. These magnets are strong enough to withstand high speeds. To repeat – keep the design simple. Order many at a time and hand them out to your friends for their cars. You can purchase four magnets for as little as fifty dollars.

An alternative to magnets is use multiple smaller sized ones. A stack of twenty five magnets can be bought for about thirty dollars. Get people to take notice by scattering you car with these. When people take your magnets you know they’re working.

Outdoor banners

Ask your signwriter to print you a large banner. The cost of a small banner can be as little as one hundred dollars. We’ve even seen banners from as low as six dollars.

Use the small banners effectively by parking at the front of a busy event or location. Hang the banner from the side of your car. Your car and banner can’t be missed.

These are three simple advertising ideas to kick start your marketing on a budget.

Click Here to see Ryan Johns working these advertising ideas

Tips for Choosing a Licence Money Lender Singapore

images12

The licence money lender Singapore can offer the personal loan for those who doesn’t have any collateral, such as property of their own. Whether you are working or visiting in another country, you can get a quick fast cash foreigner loan from them. The goal of them is to offer a quick personal loan, payday loan and fast cash foreigner loan to every client. Generally speaking, the reliable lender should be approved by the Singapore government. The money lending companies can be discovered in Singapore. With so massive options in your mind, you may wonder which one can be suitable for your requirements.

You can find a licence money lender Singapore through business/consumer directories, their own website, or advertisements that are placed within the money lender’s shop or facilities. A low interest personal loan is welcomed by every person who need a loan. However, there are some things to keep in your mind when submitting your loan application form. It is not a smart way to take out a personal loan about 2 to 3 months prior to your decision of taking out a major loan to pay for your house. In addition, you should think about the debt servicing ratio or DSR.

The licence money lender Singapore is capable of providing you with the loan packages that come with a much cheaper interest rate. Some lenders may deliver you more flexible repayment options, less fees, and a better interest rate. You can choose to avail the services of a price comparison website that will list a number of different loan companies in Singapore side-by-side on one page. This will enable you to compare and contrast their rates of interest, repayment terms, and fees, saving you time and hassle. And they are capable of charging six different types of fees to borrowers.

You can benefit from turning to the licence money lender Singapore. There are many ways that the lender can give you a help. You are allowed to have instant access to cash. It is considered as a quick means to instant cash, as well as a way of getting approved. They are willing to help every individual in Singapore, such as the PRs and foreigner, who is in need of urgent cash. You should focus on comparing the interest, terms of the loan, and any other variable factors. They can help you and your family get out of a serious financial strain.

Resource from: money lenders

Self Employed Short Term Loan for Entrepreneurs

images15

Life is always forcing people to do many things, like the world these days, the economy in different countries have different situations in which people work in different ways. Sometimes people want to be independent because of the environment where they live, and they may need loans for their own account. So if you are self-employed, such as a contractor or a freelancer, then entrepreneurs loans are designed specially for you. In today’s ever-growing needs of yours and at the same time due to lack of resources to meet them, you get worried. Also, if you do not have a good credit score in earlier times, adding to concerns. It can happen to anyone despite of their salary.

Self-employed loan is a short term loan and they are there to help entrepreneurs. But very often, self-employed is difficult to demonstrate to lenders because of variable monthly income. But at all times have their own problems in their businesses on their own loans, self-employed workers are there to help and support.

Self employed loans are small term loans, so if you are self-employed and looking for the proper settlement of cash, these loans are for you. You may pay any tax burden and desires as the payment of unpaid household bills, food expenses, tuition fees, collection fees, fixed costs, and small travel expenses, which are few examples of the charges the same regardless of the costs that you may need auto loans are there to help employees.

To establish financial imbalances, self-employment loans can be easily done by self employed people. This funding source may be easy to take care of your financial needs at home. You do not even have to go through any credit checking process because it accepts the application of all borrowers, irrespective of credit record. The presence of arrears, defaults, bankruptcy, foreclosures, CCJ, late payments do nothing to insult.

Just get used to the ease of online application method. Do not move from the comfort of your home or office. The loan you are looking for will be sent directly to your account after obtaining approval. The applicant can apply for low cost and very lucrative business loans to persons with proper research online.

Partial Payment To Stop Foreclosure – Will The Bank Take It

images14

Once a homeowner is behind on their mortgage payment, they can expect a lot of harassing calls from their bank. Unfortunately, that isnt the worst of it.

The difficult part for the homeowner is that once you get more than 30 days late the bank requires full payment of all monies in arrears. So lets say a person hasnt made a payment for a couple of months and you manage to scrape together the 2 months mortgage payments of $4,000 and you call your bank to let them know the good news. But what you hear is the bank saying “Hey you know that $2,000 monthly mortgage and you know how you owe us 2 months worth of payments, right? Well you actually owe us $4,500 because youre two payments late and were not going to accept anything less than full payment on all monies that are past due. Oh, and by the way there are some penalties and fees and things were going to add onto that, so thats why you need to send us $4,500 to get back in our good graces. If you dont send us this amount, were going to go forward with foreclosure proceedings and take your home from you.”

And rightly so, that freaks people out. Most families typically cant come up with two or three or four times their monthly payment in one lump sum. If they try to send monies in that are anything less than that full lump sum amount, the bank will usually, quite literally, send the person the check back. If the person says, “Hey all I can do is come up with one month payment. Ill send you the $2,000 plus fees, so Im going to send you $2,400.” and they send in the check and the bank is more than likely not going to cash it and they will send it back to the homeowner.

With the banks refusing to take partial payments the bank will then often proceed into the next stage of the foreclosure process. Typically after 3 or 4 months that have gone by without a payment, the bank at that point is going to legally file against the homeowner and submit a legal document to the homeowners county recorders office. The document is what is called a Notice of Default (NOD). This takes the homeowner one big step closer to losing their home.

The New Modification Craze With Interesting Car Wraps

images15

Vinyl wraps, as we all know, are synonymous with advertising. Organizations produce usage of vehicle wraps for branding, branding which helps raise the profile of their corporation. While advertising with these wraps are full on the go, the completely new craze just for car modification has largely inclined towards car wraps for the entire car makeover. Folks are finding their car wrapped with vinyl films to present it a different finish as well as color. This craze has emerged lately due to the monotony which eventually slips in while driving the equivalent vehicle just for long. Not all of us can afford a completely new car every time a interesting model gets launched in the industry. This is a simple way of giving your old car, a brand-new appear, and also giving yourself a boost to drive it with interest.

The very best Car Wraps use the latest process in print production. The qualified gurus use a car as a blank canvas to fill it in with their artwork. They can customize your car in whichever way you want. It is like obtaining a brand completely new car, just at a a lot lower expenditure. You actually might be thinking which a personalized spray paint job might also bring in the identical effect at a lower expenses, so why invest in wraps? While your question is quite relevant, the answer is also proper in front of you actually. A wrap is nothing but a thin film which lays out on the top of your cars factory skin. It gives a second skin for the car, thus protecting the original color of it. You actually can take off a wrap whenever you want to. The inner color will be revealed in its intact state. You actually can also replace an old wrap with a brand new one according to your mood and craze.

Vinyl car wraps of top quality have warranty of about 5 to 7 years. So, you actually could keep it just for long, until something else comes in the craze. The original paint gets shielded from chipping or fading, which also slows down the course of action of depreciation. This can support you actually get a far better cost while reselling the car. A full wrap just for your car will expenditure you actually around some thousand bucks. Earlier, modifications adopted by car whizzes are a lot costlier than this, which included personalizing amount plates, transforming tires, adding spoilers, etc.

Secret Offshore Bank Account – Is It Possible

images11

Secret offshore bank accounts are the stuff of legend. This article intends to debunk some of the myths about secret offshore banking by setting out what is and isn’t possible.

1) It’s impossible to open an offshore bank account without first somehow identifying yourself. This means sending a notarized copy of your bank account/passport details to the bank or intermediary.
2) Most offshore banks will also require a reference from a bank at home.
3) If you open an offshore account in the name of your offshore company, you still need to provide all the formation documents, and the name and address of a real person. No bank will let a faceless entity open an account without pinning it down to a real person.

So how is it Secret?

Well, the reasoning behind all this, is that if you open an offshore account the bank may let you have a ‘number’ rather than a name. This so called ‘numbered account’ allows you to send wire transfers without third parties knowing who you are. An account in the name of a company will do a similar thing, allowing you to send and receive payments almost anonymously, because the company name rather yours will show up on all transactions.

The problem is, this doesn’t shield you from government inquiries. If for example a government authority suspects you of having an undeclared offshore account, that you are hiding money from your spouse or otherwise engaged in funny business they can go to the country or bank in question and request your details. While some countries will reject the majority of these requests others are more pliant.

Switzerland and the Cayman Islands are two in particular that co-operate with US and EU authorities. Although both have strong bank secrecy laws on paper, these are not so closely followed in practice. Swiss banks UBS and Credit Suisse have made headlines recently over IRS investigations into US held offshore accounts.

The truth is, if you really want a secret account you may have to look further than ‘traditional’ tax havens. That means jurisdictions without tax-information exchange agreements or other links to high-tax countries.

Another option is using an offshore bank account alternative. This could be (for example) sending your funds to a trust company which then opens a bank account for you in their name. Although this is also not 100% foolproof, it does offer another level of privacy in the same way that an offshore company will shield your identity.

Whichever option you choose to take, it pays to follow some ‘golden rules’ of privacy:

1) Limit the number of people who know about the offshore bank account to as few as is humanly possible.
2) Fund the account with a cheque or western union transfer, rather than by wire from your home bank. 3) Never send funds directly back home from the offshore account.

Good luck!