Aiming for a Greener Financial System

In the year 2015, being a person who likes to stay abreast of the various political and economic activities, I was often confused with the term ‘Green Finance’. Moreover, the excessive use of this term in G20 pushed me to learn more about it and provide an understanding to you as well.

Green finance can be described as an umbrella term which refers to the changes in financial flows that are required to support projects that not only help the environment but also the society. Pollution, air quality, water quality, greenhouse gas emissions, energy efficiency and renewable energies are certain genres that are covered under green finance.

To meet the aspiring goal of the Paris treaty, it is important to align the green growth and financial sector. If we talk about green finance in the long-term, we should be happy to know that it has ample opportunities for profitable investments in developed and developing economies. Investing in green economy will set the course for carbon footprints. The only need at the minute is a step change in greening the financial system. There is a rising awareness in the financial system related to sustainability risks, commercial opportunities and changing customer preferences. The government has smoothened these developments through national roadmaps, sectoral guidelines and policy signaling. The economy is witnessing a competitive urge between financial centers and companies for green finance leadership.

An accepted green finance will always constitute a right proportion of policy action and market. Below are certain actions which can be helpful for an effective market action:

Connecting environmental risks analysis with core business activities
Feeding back into the policy process
Driving the environmental risk analysis
Anchoring sustainability, and
Controlling financial technology to strengthen retail demand.

The authorities should be able to shape effective policies to minimize market failures and create conditions which help in the growth of green finance. Apart from using policy packages with fiscal policy and environmental reforms, there should be an involvement to support the greening of financial markets with options such as:

Supporting data provisions and capacity building
Using the limited public means effectively, and
Creating a smart and well-organized incentive system.

After the government, multilateral development banks and international financial banks have also an important role to play, with options like:

Streamlining governance structures and portfolios according to the Paris agreement
Using methods to strengthen environmental guidelines, and
Promoting financial market development and filling project pipelines.

Since the Paris treaty, businesses have initiated that streak of competitiveness at various levels of the financial system. The global financial centers such as London, Shanghai, or Paris are preparing themselves as global green finance centers – this and many more to lure specialized companies. Designing smart market systems and policies, in order to maximize the positive effects in the long-term can be a strong approach towards scaling-up the green finance.

Developing countries encounter major investment gaps and receive a small share of the green financial flow. This is the case when these developing economies offer huge opportunities for long-term green investment in areas such as transport, agriculture, infrastructure and energy. There are a number of developing countries which are advertising green bond roadmaps, highlighting the potential for green finance. Though, the various effects of an updated version of environmental risk analysis need to be understood to manage possible development policy implications. The UN environment is developing a range of options to make the most of the combined activities of green finance and sustainable development.

How To Choose The Right Corporate Uniform

It is not an easy task to reinforce your brand image into the customer’s and employer’s minds.
Andrew Black

It is not an easy task to reinforce your brand image into the customer’s and employer’s minds. All successful organizations have chosen the right corporate uniforms for their employees because they know they level of benefit they can get. Implementing a corporate uniform can help your business create the right effect in a very short period of time. It is not at all difficult to design a corporate uniform for your employees.

There are numerous ways to choose the right corporate uniform for your organization. The first thing you should know is that the corporate uniform should look professional and official. Some patent uniforms that were being used for a long time are of no use nowadays. They no more look professional and tend to give a casual look. A factor adding to their unprofessional look is the improper fitting. Corporate uniforms should fit reasonably well, neither too loose, nor too tight.

A professional corporate uniform should also focus on an updated logo at a suitable place over the uniform. This is very important because among a hundred other organizations yours should signify its identity through a well embossed name. Embroidering the logo on the uniform gives a sense of belonging to the employees which is necessary for an organization to climb the success ladder.

While you design an appropriate pattern for both male and female employees, look on for a suitable fabric as it is very important to make the work process easier for employees. The uniform material should be durable with permanent and decent colors.

Comfort should also be considered while formatting the uniform. Often employees wear clothes that look good on them but they are very uncomfortable working in them. This should not happen with the corporate uniform. It is essential to look professional and be comfortable at the same time.

With all the above mentioned specifications, the uniform should not at all be boring for the employees. You can select contrast of different bright colors for the uniform, however, this only confines to certain industries. Not at all organizations can follow this as it is usually meant to go well with the creative industry.

If you are confused about which colors to choose, check out the organization logo and coordinate different colors. Alternatively, you can choose a color scheme that contrasts the logo. This will bring out the colors of the logo brightly. Many organizations also prefer to have a black and white logo, but then again it depends on the industry your organizations belongs to.

Implementing a corporate uniform is a matter of choice for an organization. However, you can get the maximum amount of benefit for your business by doing so. It is not only gaining popularity among larger organizations, but medium and small sized businesses are also moving towards it.

Organizations implement uniforms for employees to gain maximum commercial benefits indirectly. Very few organizations realize the fact that these uniforms are an amazing long-term investment that builds your brand all over again starting from the employees to competitors to customers.

Andrew works for a promotional clothing company. He has helps many organisations with their imprinted promotional merchandise needs.

Five Deadly Time Management Mistakes

How to Get Control of Your Time and Your Life
Cathy Goodwin, Ph.D.

Q. I am starting a new business as a web designer. Recently a client paid me less than $500 for a website. I spent hours and hours creating a magnificent, eye-popping site that would cost $1500 at market value. My client just thanked me ­ she didn’t even offer a bonus! I’m too busy with these low-paying jobs to go after the bigger assignments.

A. Whether you’re a business owner, corporate executive or independent professional, success means putting a value on your time ­ even when you feel, “I’ve got all the time in the world.”

Mistake #1: Confusing down time with extra time.

The Fix: You finish a project early. Or business is lighter than usual this week. Spend the extra time to market yourself for new projects, not tinker with current clients. If you’re working for someone else, use the time to make yourself more marketable.

Mistake #2: Donating time to people who can pay.

The Fix: Donate time to nonprofit organizations who can’t afford your fees. Before beginning get agreement that you may use this project in your portfolio, along with a signed testimonial on your website.

Occasionally you can offer a deal to a high profile client who will publicize your efforts. Submit an invoice with the full price and mark your deduction as a discount. Make sure you’ll get more than a vague promise to “drop your name everywhere.”

Mistake #3: Assuming clients understand your business.

The Fix: Communicate options. “Here’s what a $250 website looks like. Here’s what a $2500 website looks like.” When clients are new to your service, they rarely know the going rates. And they may not realize you’ll accept a bonus and rejoice in a testimonial.

Mistake #4: Forgetting to set boundaries.

The Fix: Explain exactly what’s included in your basic fees. Changes? Questions? Setting up the web hosting and domain name? Scanning and uploading photos? Fixing a spelling error?

Mistake #5: Thinking small.

The Fix: Learn what would it take to move from $250 to $2500 jobs. Maybe your own website screams, “I’m cheap!” Maybe you need to pitch larger accounts with bigger budgets. Practice saying aloud, “That will cost $500.” Then work your way up to saying, “nine hundred dollars” without choking on your own words.

Bottom Line: Alan Lakein wrote How to Get Control of Your Time and Your Life, the first (and some say best) time management book. He encouraged readers to ask Lakein’s Question: Is this the best use of my time right now? Tape the question to your computer and ask it often.

Low Interest Rates on Auto Loans: It Can Make Your Life Pleasurable

Every person borrows money on credit. A loan on your name marks your progress. It also shows your appetite towards a luxurious life. Thanks to the lenders, borrowing money for a new car isn’t difficult at all.

Although, what bothers people are the interest rates that the lenders charge. It is inversely proportional to your credit rating. It means the higher your credit score; lower will be the interest rate on the auto loan.

What are the Benefits of obtaining Low-Interest Rates on Auto Loans?

Let’s understand how low-interest rates on auto loans can leave you tension-free and make your life pleasurable.

· You can buy Expensive Cars

You can buy expensive and luxurious cars without any worry. The reason is simple. As you get low-interest rates, you need not take tension of a large down payment in order to minimize the loan amount.

So, you need not to worry about saving up too much money for the down payment. Just pay a nominal amount and obtain an auto loan for the remaining amount.

· You won’t end up paying more Money

Let’s take an example to understand the number game easily.

For a loan of $10,000, with an interest rate of 15% for 10 years, you pay a total amount of $19,360.19. It means you pay more than $9000 in the form of interest. If the rates of interest reduces to 6%, the total amount will come down to $13,322.46.

It is simple to understand how the total payable amount differs with a simple change in the interest rates. Hence, become a credible and punctual credit borrower. In return, you will be able to enjoy low rates on your next loan.

· Lenders will trust you

Every company values a genuine customer. If you make payments regularly, you will never face any difficulty in getting an auto loan. Lenders will stay in touch with you and provide you with special discounts as well as cash benefits for buying a car.

Your punctuality will earn you respect and trust of lenders. They will understand your situation and provide you with other benefits such as relaxed lending terms, higher LTV ratio, etc.

· You can apply for Multiple Loans

The best thing about low-interest rates is that you can apply for multiple auto loans without any tension. Whenever you feel like buying a new car for your family member, you will have no problem in getting approval from a lender. Also, you will be able to make the purchase at affordable rates.

Nobody likes to borrow less money and pay more in the form of interest amount. So your priority should be to lower the interest rates. And, here’s how you can achieve your goal:

1) Always keep a check on your credit score – It is a crucial measure for lenders that enables them to judge your credibility.

2) Convey your sincerity – Be confident when you face the lenders. Also, try to convey your sincerity by explaining your plan of making regular payments.

3) Never miss payments – Making payments on time is the key to become a good credit borrower.

4) Be on the move – Your credit behavior determines your growth. So, apply for multiple loans, make payments regularly and do not let your bank account sit idle.

5) Do you have a low FICO score? -You should start by applying for an auto loan of a smaller amount. Repay it on time, build your credibility and carefully nurture your credit score. Make payments regularly and improve your credit ratings. In return you’ll be able to enjoy low-interest rates on your next auto loan.

Considering the interest rates is a very important aspect of the car buying process. Remember that low-interest rates on auto loans can make your life pleasurable. So, strive hard to convince the lender and ensure that you he provides you with a better deal.

When it comes to obtaining low-interest rates on auto loans, choose the reputed auto financing company of Fast Auto Loan Approval. It has a record of providing easy auto loans to people with low-income. Apply now to enjoy buying car without down payment.

Does Your Company Have Documentum?

Are you lost in the mess of documents that get passed around your company, never knowing what the latest version is and which one you should work on without worrying if someone else has already made the same editions that you are making? Perhaps you have heard of collaboration software solutions such as Documentum to help your company manage its documents that are passed around. Documentum is a very good solution to this problem but is it the only one? In this article you will be presented with some basic information about the differences in collaboration software from Documentum and NextPage.

What is collaboration software?

Collaboration software allows business professionals to work directly with other business professionals by allowing them to work together to create business documents, presentations, and budgets. Most collaboration software is centralized. This allows business professionals to work on the same documents at the same time from different locations. Some centralized collaboration software solutions include Groove Network, Microsoft SharePoint, Documentum, and Filenet.

Why use Documentum?

There are a few advantages to using centralized collaboration software such as Documentum. The main advantage being that they work very well for team collaboration. Documentum’s software keeps all files, projects, and data in one centralized location that everyone who is working on the project can access. This allows them to review and update the same document that everyone else has used, which essentially keeps everyone working on the same page.

Are there any drawbacks to Documentum?

While the collaboration software solution provided by Documentum is very useful and beneficial, there are a few drawbacks to using it. The main disadvantage being that Documentum’s software requires the use of an IT infrastructure. Another potential drawback is that it requires an extensive amount of installation time. This can be a major inconvenience to those business professionals who are always busy and on the go.

Other collaboration software options out there also require everyone you work with to have the same software in order to share information. All of these drawbacks to centralized collaboration software can be very expensive and inconvenient.

What else will work for my company?

NextPage provides an alternative solution to the centralized collaboration software. NextPage 1.5 Collaboration Software tracks documents with Digital Thread technology. Say, for instance, that you are working on your company’s budget. You want to make sure that your facts and figures are correct so you send your spreadsheet to several of your co-workers for review. They look over the spreadsheet and make the necessary changes. They then return their spreadsheet version to you, and with NextPage 1.5, you simply merge the document versions together into one. NextPage 1.5 lets you see all of this visually via a graphical version history. With the graphical version history, you would always know where the various versions of your spreadsheet are stored, what changes have been made, who has reviewed your spreadsheet, when the revisions were made, and how the revisions fit together. NextPage makes it easy to see where the document has been and what revisions have been made, eliminating the confusion of who did what and when it was done.

What advantages does NextPage have?

The major advantages to using NextPage’s collaboration software include the following:

Do NOT need a centralized server
Do NOT need an IT infrastructure
Installation can be done in a matter of minutes
Will work with associates who are NOT NextPage subscribers
Solves document management problems where they originate
If your company is getting lost in the mess of documents then you can benefit greatly by implementing a collaboration software solution. Solutions from Documentum or NextPage will enhance your overall organization and productivity. In this article I have got the ball rolling for you. All you need to do now is to see what solution will best fit your company. So get out there and get your company documents organized!