Category Archives for "Money"

What is Green Investing?

What is the primary difference between traditional investments and green investments? Gregory Lindae will tell you the term green investing refers to investments which are involved in trying to improve the environment. If you’re interested in the opportunity to invest in a green company, simply continue reading to discover everything you need to know about green investing.

What is green investing? : Everything you need to know about green investing

1. Green stocks

Examples of green stocks which are offered by businesses who invest a large amount of money in research and development of green technology include Tesla, which was founded by Billionare Elon Musk and focuses on developing and manufacturing self-driven electric cars and General Electric. The latter of which has developed powerful, efficient, wind-powered electric generators.

Once you’ve found a business which focuses on developing green technology, which is listed on the stock market, you’ll be able to purchase individual stocks in your chosen company, the traditional way.

2. Opt to invest in ETF funds

The acronym ETF refers to exchange-traded funds. If you’re more comfortable choosing to diversify your investment portfolio, you may prefer to invest in ETF funds each of which is comprised of shares in a wide variety of green companies. That way, if one of the companies which is included in your chosen ETF fund crashes, you won’t lose all of the money which you invested in your ETF fund.

Choosing to invest in an ETF fund is also a wise idea if you’re interested in learning more information about a wide variety of green companies. As an example, you may discover that one of the companies which is present in your chosen ETF fund makes a reliable profit, each month and that it may be worth purchasing separate stocks in this company.

3. Examples of ETF funds

One popular ETF fund is the Pathfinder Global Responsibility Fund which is made up of 250 socially responsible green businesses, all of which boast high environmental, social and governance scores. So if you’re interested in investing in a socially responsible, green company, you may be interested in purchasing shares in the Pathfinder Global Responsibility Fund.

Another ETF fund which you may be interested in investing in is the Pathfinder Global Water Fund, which is comprised of between 50-100 companies which specialize in water treatment. Examples of some of the tasks taken on by companies which are present in the Pathfinder Global Water Fund include water treatment, the production of water pipes and pumps and specialist engineering.

If you’re interested in ensuring that the world has a never-ending supply of clean, safe water it’s well worth investing in the Pathfinder Global Water Fund. As a bonus, this particular fund does not feature any water companies who use plastic to package their water. As the production of plastic goods has an adverse effect on the environment.

If you’re sold on the idea of investing your savings into socially responsible, green companies, it’s well worth following the advice listed above in order to purchase your first shares in a green company.

Edgar Gonzales Anaheim On How To Be A Successful Businessman

Every businessman wants to become successful, but they do not all manage to do that. In fact, many prospective businessmen fail, and many successful ones have failed in the past. Indeed, a particular skill all businessmen should possess is the ability to bounce back and to learn from mistakes. Location also plays a part in things, however. For Edgar Gonzales Anaheim is the best place in the world to be a businessman, with Santa Ana a close second. However, there are other characteristics that he feels are even more important.

Who Is Edgar Gonzales Anaheim

Edgar Gonzales is a very successful businessman and a role model to may others. He is not, however, the famous Mexican American former professional baseball second baseman who also happened to be called Edgar Gonzales. Rather, he is active in Anaheim and Santa Ana in his own right, and the name association has not served him particularly well in the past, although he understands that every challenge presents an opportunity to learn and grow.

Edgar Gonzales on the Qualities of a Successful Businessman

  1. Good businessmen have the ability to predict future trends and movements. They know what signs to look out for and they know how to change and adapt to ensure they can continue to exert their vision.
  2. Businessmen are change agents and innovative thinkers. They see opportunities where other people don’t and they have redefined what it means to think outside of the box. A good businessman has imagination and creativity, used to drive forward their action plan.
  3. A good businessman is someone who is honest, respectful, and professional. They network with others and build relationships based on trust. This is all about public relations and reputation management and is a vital element to achieve success.
  4. People like Edgar Gonzales are also highly dependable and are known to be men of their words. This goes back to being trustworthy.
  5. They must also be incredibly energetic. This is particularly important in the startup phases of a business, when there is no nine to five and when long days and sleepless nights are needed. A good businessman can survive for days on cups of coffee, in other words.
  6. They have to have strength of character. This means that they have to make difficult decisions, such as letting people go or even giving up on the business to start something new.
  7. A good businessman is a leader. They can guide others and motivate them to be the best they can be.
  8. They must be willing to learn, both from their mistake or from the knowledge of others. People like Edgar Gonzales know that they do not know it all.
  9. Good businessmen have perseverance even when everything goes wrong.

According to Edgar Gonzales Anaheim and Santa Ana are the best places in the country right now to start a successful business. However, without the nine pointers above, even the best location in the world cannot turn someone into a success.

Patrick Dwyer Merrill Lynch Offer Key Wealth Management Tips

Patrick Dwyer Merrill Lynch concern themselves with wealth management, something quite poorly understood by many people. In essence, it means that they deal with every element of finance. They use financial planning systems such as banking and managing investment portfolios, helping their clients to increase their wealth. Most people who use wealth managers are high net worth individuals, small business owners, and wealth families. However, anyone who feels they can make their money work for them better can benefit from the services of a wealth manager.

Usually, the main element of focus for a wealth manager is to ensure money is invested in the proper places, that those investments are secure, and that their clients’ financial future looks good. This is a hugely valuable service, particularly for those who have been able to gain considerable wealth and want to maintain that. Those with a lot of wealth often also pay a lot more taxes, some of which may not need to be paid. Meanwhile, one poor investment decision could threaten a significant proportion of wealth and these risks must be properly mitigated. Those are all things a wealth manager focuses on.

Patrick Dwyer Merrill Lynch on Building Wealth Through Proper Money Management

Top tips include:

To be creative and smart. True financial news does not come from standard newspapers. It comes from those who believe in wealth and abundance, even if the times are difficult.

To work hard, but to do things you love. When people think wealth, they think money. However, true wealth is far deeper. It is about enjoying life, with the necessary finances to achieve that enjoyment. And that requires hard work as well.

To not live above your means. Too many people continue to spend more than they earn, or to spend too much to save money. This must be avoided.

To have a sound financial plan. A wealth manager can help create a workable financial plan that helps people to build their wealth.

To use time the right way. Money is not someone’s biggest asset, time is. Time can be used to make more money, or it can be used to enjoy life. Proper time management is vital for both.

To understand that wealth is in the little things. Doing something that is meaningful, maintaining loving and strong relationships, and living in excellent health are the true ingredients for richness and wealth.

To dream big. Only those who postulate what they want to achieve, who believe that anything is possible, tend to reach the greatest heights. Wealth managers all state that it is vital for people to dream big at all times.

It has been said that some people are so poor, all they have is money. Wealth managers are there to show people what to do to make their money work for them, but they are equally there to increase people’s overall enjoyment and quality of life. There are some things that money can’t buy.

How To Have A Great Movie Night When You Cannot Afford The Movie Theater

The theater can be an expensive day out; with the ticket costs and food and drink, it can cost a lot to see the latest blockbuster. Instead of spending money going out, why don’t you have a movie night from the comfort of your home, perfect with friends, for a date or with your family. Here is how to have a great night from the comfort of your own home.

Have a Theme

Why not go one step further and have a movie theme night where you must bring something relating to the movie or movies you are going to watch or wear something related to the theme. For example, if you are having a Disney night with the family or girls, you could all wear your favorite Disney pajamas. If you are having a Harry Potter marathon you could all get your wizarding hats out! This can be a bit of fun and some great picture moments.

The Food

Going to the movies is not complete without food! The best thing about being able to eat at home means you aren’t stuck to whatever your theater sells. You could have movie related food or this could be the perfect time to order from that takeaway you have always wanted to try, or perhaps everyone could bring their favorite food for everyone to share. Popcorn is an essential too, and Indreviews has reviews of the best popcorn poppers for your home for your next movie night.


This is where you could make it extra special. You could make a fort, or tell everyone to bring their pillows and duvets to make it extra cozy! You could even set up a mini theater. There are plenty of places where you can buy a cheap projector to project the film onto the wall from a laptop or TV. You could get your fairy lights from your room and light some candles if you want to make it extra special for your girls or your date.


Why not make a real night of it and have a game and movie night? This could be a drinking game (for the adults) such as every time a character says their catchphrase or does something, you must drink. If you are struggling for ideas there are so many on the internet to choose whether you watch Lord of The Rings or Marvel. You could play a quiz with trivia from your favorite movies that you are about to watch with a prize at the end, or there are many board games relating to movies such as Harry Potter Trivial Pursuit or Cluedo. For the children you may want to have questions that they need to answer throughout. If you sometimes struggle to get them to sit through a movie, this is great encouragement.

However you decide to do your movie night, do it in style and you may want to stay in more often!

Remodelling Tips For A Modern Kitchen

Modern kitchens are designed for various purposes. Besides the work-triangle kitchen designs, modern designs aim at providing a comfortable, spacious and stylish kitchen. If you want a unique kitchen with a stylish design, think of remodelling your old kitchen. Here are great tips on how to remodel your kitchen into a unique and stylish kitchen.

Determine a layout that suits your needs

You are no longer limited to the triangular layout. You can do more in the kitchen than cooking food. Today, you can invite your friends to your kitchen for a chat. However, this kind of kitchen needs a perfect layout to create space and working area.

Use quality materials

Cabinets are the heart of the kitchen. The material you use on your cabinets determines their durability, style and appearance. Kitchen materials are available in different colours and styles. Hardwood is one of the best materials to use in your kitchen. However, you can consult a kitchen designer for other kitchen materials depending on your budget and needs.

Choose the appropriate colours

Have a theme for your kitchen. This should be guided by your taste and preference. The colour you choose can bring harmony to your kitchen. The colour you choose for your cabinets should also complement the colour of your ceiling, floor and worktops.

Visit a showroom

You need a professional designer to perfectly design your kitchen. The best place to find reputable and experienced designers is to choose the best kitchen showrooms. You can also compare different kitchens in West Sussex to choose the best layout for your kitchen.

Light up your kitchen

Kitchen remodelling also involves upgrading your kitchen lighting system. Let your fitted features be visible by choosing the right lighting system. If you are not sure, it is advisable that you consult an experienced kitchen designer. Besides a lighting system, nothing matches natural lighting. Where and how you install windows determines the amount of light in your kitchen.

Paint or stain

This is one of the difficult decisions you will encounter when remodelling a kitchen. Staining is less expensive and easy to maintain. Painting, on the other hand, requires the help of professionals.

Consider your budget

There are different remodelling options. Their costs vary depending on their style and design. Before you hire a contractor, make sure that you have a budget. It is recommended that you consult your designer for a quote.

Remodelling is the most affordable way to add value to your home. There are different ways to remodel your kitchen depending on your needs. The size of your kitchen should also determine the right kitchen layout. If you have an idea, you can seek the assistance of your contractor for upgrading.

Things To Do On A Long Weekend Without Spending A Lot Of Money

Having long weekends is great if you have something planned in advance. Otherwise, it could be very boring. You might rather just get back to work. While you can’t stop the long weekend from happening, you can at least do things that will make you feel fulfilled. You can check online for things to do near me or you can also do activities at home.

Host a game night

Game nights are always fun. You can just invite your friends to come over, prepare something to eat and just have fun. Your friends can also bring a dish for everyone to share. Charades and card games are among the most common options.

Visit a local museum

You may find that you have a museum in your local neighbourhood, one that is easily accessible or one you have yet to visit. Museums can be very educational, children can learn lots of new things and experience many different activities. You maybe surprised to see just what’s going on in your neighbourhood. If not movies, you could try reading all those books you’ve been meaning to read but just never got round to it. Some of them can be educational too. Your kids will love to see those places and learn new things. You might be surprised by what other local attractions there are.

Do a movie marathon

How many movies have you missed because you were too busy with work? This is your chance to finally catch up. You can list down all the movies you have yet to watch and spend the entire long weekend watching them. Take the time to go out just to buy some snacks, and just watch the movies. You might also ask your friends to come over. If not movies, you can try reading books that you are yet to read.

Have fun outdoors

There are a lot of exciting outdoor activities that you and your friends can do. During a snowy month, you can go for a snowball fight. You can also just go out to breathe fresh air. You may also want to go sledding. A day at the park where you can just eat and spend quality time with your family can also be very relaxing. Regardless of the activity, it will be fun if you are with the people you love.

Bake with friends

Baking is always a relaxing activity. You just have to mix stuff up and eventually, you come up with something really amazing. Baked goods smell good and taste great. You might have also find some recipes online and you want to finally give it a shot.

Just sleep

While you are working, you might complain about not having the time to just take a nap. This is your chance to do so. You know that you are not working the next day, so you just have to turn the alarm off and have a good night’s sleep. This opportunity does not come often, so you don’t want to waste it.

There are a lot of activities that you can do over a long weekend. You don’t have to feel like you want to lock yourself up at home and do nothing. Choose whatever makes you feel satisfied or something that you have not done for a while.

Forklift Equipment Leasing: The Not-So-Obvious Advantages

We’re getting to the stage where most of us know that the benefits of equipment leasing far outweigh anything that you can get from just purchasing machinery outright. This has now been commonplace for a number of years, and it takes a very good reason for companies to opt to purchase anything outright based on the back of this.

When we talk about the advantages, most people are aware of the obvious financial ones. For example, if you are looking into forklift equipment leasing, it quickly becomes apparent that you don’t have to invest tens of thousands of dollars in one go. Instead, this is split out over a number of years, which also represents your balance sheet very nicely.

If we delve deeper into the subject, there are other reasons why companies are following this approach though. Through the remainder of this article, we will now take a look at some of these benefits in further detail.

The I-factor (inflation)

Inflation is spoken about a lot in the general sense of the word, but when it comes to purchasing equipment it’s rarely mentioned. This is surprising when you start to analyze the obvious benefits that are open to businesses.

Most equipment leases are arranged for years at a time. Ultimately, over the course of these few years, inflation is going to grow and make the equipment more expensive. The savvy businesses who are tapping into the principal of leasing realize this, and tend to lock in fixed rates. This means their purchases aren’t affected by inflation – and they effectively pay lower than market rate later down the line.

Bundle everything together

When we talk about bundling, we’re referring to everything else that revolves around the equipment you have hired. This might be the cost of installing such equipment, as well as the regular maintenance that might be required to keep it going. As anyone who has dealt in equipment will state, these costs can quickly add up and actually come to as much as the equipment itself in some cases.

When you bundle, you can negotiate to have everything pieced together in the same package. This is an approach commonly used in retail, and the same benefits are on offer here. In other words, you get a lower price for purchasing everything together, rather than buying the equipment, installation and maintenance separately.

The value of asset management

Following on from the above, we can now talk about the benefits of asset management. Again, this is all about seeing the bigger picture when it comes to your equipment, rather than just looking at the equipment on its own.

Asset management refers to the whole process behind your new equipment. It needs to be sourced and delivered before eventually being disposed of. All of these issues take up your company’s resources, yet some leasing companies will handle this for you. You might find that the time savings provided to you far outweigh any costs that might be added onto the equipment for these services.

Mortgage Lenders in Florida and What to Consider Before Applying

Buying a house looks super exciting the face of it, and the truth is that there are many aspects of buying a property that can most definitely be exciting. From the moving process to deciding on paint colours, there is a lot to deal with. With this being said however, there are many aspects of this process which are frustrating and difficult and you must be prepared for it. One such difficulty can arise when the time comes to look for mortgage lenders in Florida alone there are many, many lenders, but getting the right one is not always easy.

Before you start looking out for a mortgage lender, and even before you start looking for the mortgage itself, there are many ting which you will need to consider, and here are some of the most important considerations to make.

Whites Your Credit Score

Nobody wants to face the embarrassment of being turned down for a mortgage, especially if you have already found a house that you wish to buy. One of the key reasons why a lender may turn down your application for a mortgage, is the health of your credit rating. Your credit rating, or credit score, is a universal measure which essentially tells financial institutions how trustworthy you are in terms of lending money. A bad credit rating can appear if you have had issues with debt in the past or unpaid loans, it can however, also be as a result of never having had credit before. Make sure that you know what your credit score is, before you apply for a mortgage, to save yourself any disappointment.

What Can You Afford?

When it comes to budgeting how much money you can afford each month to pay for your mortgage, it is really important that you are completely honest with yourself. Very often people will take on large mortgages just because they are offered them, without much thought for their monthly bills, and how they will be able to afford the repayments long term. It is said that 60% of your salary should be put towards rent or a mortgage, and the monthly bills, any higher than this and you will run the risk of giving yourself headaches when it comes to repaying your mortgage. Make sure that you are brightly honest about what you can afford to pay.

Understanding the Mortgage

The final consideration which you need to make is whether or not you understand the different mortgages. There are many mortgage products which banks and lenders use, each with their own benefits and disadvantages. In order to avoid being hoodwinked or sign up for a mortgage which you don’t understand, it is very important that you spend the time on learning about the different mortgages, and work out which one best suits you. Some mortgages are fixed for a term, others are based on market value and others require the interest to be paid first, do your research and make sure that you know what you are singing up for.

The Worst Lottery Winner Horror Stories

For most people, winning the lottery is a dream come true. Overnight, all of your worries have seemingly been erased and a whole world of opportunity has opened up to you. From fast cars to luxury holidays and dream houses, you now have the money to do it all. While this is very true in the majority of cases, unfortunately for some it does not turn out like that.

In rare cases, the dream of a lottery win can soon descend into a real-life nightmare. From grasping friends, greedy family, and strangers all desperate to access your new-found wealth to more self-inflicted issues, navigating the minefield of a lottery win can be too much for some.

Here, we take a look at some of the worst lottery winner horror stories in history.

Marie Holmes

Before winning the lottery, Marie Holmes was a normal person who worked a standard job at her local Walmart. Her life changed for the worse overnight when she discovered her random numbers in the lottery had netted her $188 million! The fortune soon dwindled due to poor financial investments and the multiple lawsuits that she had to fight. Added on to this was the fact that her boyfriend had to be bailed out of jail numerous times, which ate into her money. By the end, she was emotionally and financially drained. 

Curtis Sharp

Back in 1982, Curtis Sharp won big on the lottery. Scooping $5 million, which was a huge sum back then, he soon set about spending his wealth. Sharp certainly enjoyed himself and was thought to have spent $1 million each year after the win to see it all gone within five years. Much went on cars, women, houses, and gifts to family, and what started as a massive amount soon trickled away. Now a minister in Tennessee, his advice to future lottery winners is to think carefully before starting to spend. His story is certainly a cautionary one of the trouble and dangers inherent in many lottery winner horror stories. 

Billie Bob Harrell Jr

Another resident of the US who thought his prayers had been answered was Billie Bob Harrell Jr, who scooped an insane $30 million in 1997. After quitting his job at the Home Depot, he planned to retire from work and live the high life. Not wasting any time, he took his family on a Hawaiian vacation before buying houses and cars.

Unfortunately, this was about as good as it got for him. Beginning to get lots of unwanted attention from strangers after his money, he also made a poor financial investment that saw him lose a lot of his fortune before his wife left him.

Tonda Lynn Dickerson

When Tonda Lynn Dickerson found out that she had won $10 million on the lottery, she was working as a Waffle House waitress. What makes this story interesting is that all the other Waffle House waitresses also thought that their luck was in due to a verbal agreement between them. The waitresses claimed that they had agreed to split the winnings between everyone. Tonda didn’t remember this agreement, however, and kept all the money for herself!

The other waitresses were furious and sued her for the money that they thought she owed them. Though she won all the cases against her, the stress left her worn out. Figuring that she needed to find a way to protect her assets going forward, she created a corporation to this effect. The only problem came when she gave a gift in shares through the corporation – the IRS hammered her for around $1 million in taxes!

Abraham Shakespeare

Winning $30 million in 2006, Abraham Shakespeare has a tale as tragic as a play from the Bard of the same surname. A decent chap by all accounts, he suffered from people leeching off his winnings and stealing away his cash. He also gave away a lot of his fortune to people who needed it most, which saw it dwindle quickly. However, his real undoing was getting mixed up with Dorice “Dee Dee” Moore.

Moore approached him on the pretense of being interested in helping him write a book on the dangers that lottery winners face. Agreeing to the proposal, she gradually took over all his property and money as his de facto financial advisor. After a heated argument one time, Moore shot and killed Shakespeare.

Lottery victory is still a dream for many

Of course, the above tales are rare, and for many lottery winners it really is a dream come true. As long as you are prepared for what follows and how to handle it, then you should be fine. Be careful about who you trust, who you tell about your win, and your level of spending. With a sensible approach, you should live a happy life with your new fortune and avoid becoming one of the horror stories in the news.

Tips For Saving Money When Buying Diamond Jewelry

There is no question that diamonds are great looking jewelry. They sparkle. They look elegant. They can go well with any formal occasion like weddings and other events. The only downside is the price. Considering that they are really durable and they look amazing, diamonds are pegged at a really high price.

This could be a tough decision if you want to give one to your special someone but you are on a tight budget. Here are some ways to reduce the cost when you check out diamond jewelry as a gift.

Carat and size are not the same

Just because you are giving a 1.00-carat diamond, it does not mean that it is bigger than a 0.90-carat diamond. Carat is related to weight and not the size. Your partner might not be particular about the carat, but the size. A bigger piece of diamond jewelry could be better if the receiver wants to at least brag about having received one.

Compare options

If you think one store offers quality diamonds but at a really high price, you might want to look at other choices and compare. The same jewelry might be there or at least one of similar design, but the price is lower. You also need to understand the price per carat and decide whether it is really worth going for a higher carat when the price difference is too high.

Check out clarity

You need to check the grade of clarity first because, sometimes, a piece of jewelry looks better if you consider clarity, but it has a lower price tag. It depends on how it looks in the end. Therefore, you should not automatically conclude that more expensive pieces of jewelry are better.

It doesn’t have to be round

When it comes to diamonds, a round, brilliant cut is highly preferred. It is the most expensive so people think that it is the best cut. However, it is not necessarily the most visually appealing. It depends on the person wearing it. Therefore, you don’t have to stick with round cut if you think there are better designs out there. A cheaper princess cut that looks better aesthetically could be your choice. You must also consider what you personally like or the preference of the person receiving it.

Don’t force yourself

After looking for ways to save money, you might still think that diamonds are expensive. If so, don’t force yourself to buy one. There could be other milestones in life where diamond jewelry could be given. You might also be more financially stable at that time. However, if you think that you can afford one now, look at the choices at Patrick Saada and have a blast choosing.