Building An Ethical Investment Plan With A Local Advisor – What Are The Advantages
When we invest in a given company, we are in effect supporting its activity and growth. Normally our attention is focused on the ability of the company to utilise investments and bring in greater profits and achieve faster growth (greater profit and faster growth compared to its peers). Is “profit” and “growth” enough?
What if the company we invest in produces firearms, and we are totally against weapons. What if the company we invest in does not provide an inclusive environment and discriminates against women, while we believe in human equality? What if the company we invest in uses imported cotton, for the production of which child labour was used, while we believe that children should be protected? Then again what if the company we invest in uses fossil fuels and pollutes heavily, while we are concerned with global warming and the quality of the air?
If questions like the above ones ring any bells, you may consider using an ethical investment adviser. “Ethical investing” means that the companies in our investment plan should adhere to what we, as investors, consider ethical and/or moral. Some of us may choose to emphasise religious principles.
Others may focus on ecological sustainability. Yet others on human rights, equality, and human development.
What we face now, as investors, is not only seeking out the best-performing companies on the market but also the ones doing this in a way which is in line with our ethics and morals. Now you will be using social as well as financial criteria when navigating your investment strategy.
Ethical investing has been with us forever, although under different names and focusing on different values. Slave trading was considered quite normal in Roman times, while condemned by the Quakers in the US in the 18th century. Quakers considered buying and selling humans as immoral.
Later, in the 19th and 20th centuries, Quakers were joined by Methodists in curbing their investments in the so-called “sin stocks” or shares of companies engaged in the production of alcohol, firearms, or promoting gambling.
All the latter activities were considered immoral by the religious groups.
Islamic banking came about in the 1960s and again can be classified as a religion-based ethical investment. Islamic banking evades interest (usury) and investments in “forbidden trades” like alcohol, gambling, pornography, and pork production.
Later, in the ’60s and ’70s, US trust funds curbed investments in companies producing weapons for the Vietnam war. In South Africa investment boycotts for companies supporting the racist regime took place. In 1971 the first “socially responsible” mutual fund was launched in the US. Its name was PAX, which is Latin for “peace”.
The funds are still active today and promote investments that will build “sustainable” economies, contributing to “sustainable” societies. The first “ethical unit trust” was set up in the UK in 1973 by Charles Jakob. Several ethical investment funds were set up in Australia in the 1980s. Australian Ethical is one of the ethical funds active until today.
In the ’90s the ecological issue gained traction in the ethical investment movement. People, companies, and investors became more cautious about pollution by fossil fuels, emissions, CO2, greenhouse effect, the ozone layer, and eventually global warming.
The 21st century came with a wave of new ethical investment initiatives. The Responsible Investment Association of Australasia (RIAA) was incorporated in the year 2000. RIAA promotes ethical investment in our region by “influencing policy and regulation to support long-term responsible investment and sustainable capital markets”.
The Mission statement of RIAA is self-explanatory: “To promote, advocate for, and support approaches to responsible investment that align capital with achieving a healthy and sustainable society, environment and economy.”
In 2006 the UN published its “Principles for responsible investment”. These principles promote the inclusion of environmental, social, and corporate governance (ESG) factors in the investment decision-making matrix.
Today more than 2300 financial institutions adhere to the PRI, which is responsible for USD 80 trillion of assets globally.
Another international treaty giving a boost to responsible investment is the 2015 Paris Agreement on climate change. Its aim is to curb global warming to 2 degrees Celsius, compared with pre-industrial levels.
As you can see, historically names of ethical investments have varied, just as the prevailing social trends and political environment reflected in the investment policies have varied. The term “ethical investment” was coined in the UK and Australia, while the same meaning is carried by the term “socially responsible investment” (SRI) in the US.
Corporate Social Responsibility (CSR) grew from this. “Green investments”, “Eco investments”, “Socially Conscious Investments”, “Moral Investments”, “Impact Investments”, and many others. SRI grew into “corporate social responsibility” (CSR), which was later shadowed by the UN coined ESG (environmental, social, and governance) factors.
Although each of these names carries with it some emphasis on one or another side of ethical investments, recently (2021) there is a move to combine the different names into “Sustainable Investments”, which use ESG criteria to generate long-term financial returns and positive social impact.
Benefits To Investing Ethically
Naturally, investing in accord with your morale and ethics gives satisfaction in itself. The investor is supporting the company to engage in such activities which will be beneficial to the environment and the social framework. You are not only listening to your heart but doing good in the process.
Investing ethically need not always come at a price. On the contrary – ethical investments may be beneficial to the investment returns. More and more consumers and investors are navigating their consumption and investment to “sustainable” companies and their products.
This means that investing ethically today, will bring us both increased profitability and increased stock prices in the long run.
Hence ethical investments combine perfectly the two main reasons for investments.
Every investment comes at a risk. Any company carries a multitude of risks associated with its line of business. Consider the risks of a coal mining operation. As fossil fuels are all but banned around the globe, this company will not enjoy very bright profitability and growth prospects.
However, for a sustainable company, by definition, the risks will be much lower. As the risks for all other companies increase, the risk for sustainable companies will decrease.
Ethical investments will give a boost to sustainable companies. This will stimulate other companies to shift to sustainability. This process, in the long run, will bring about a better and more sustainable world.
How To Invest Ethically
By now we are already convinced that ethical investments are a good thing. The question now is how to build an ethical investment portfolio.
Of course, should we have the time, we can do the research, identify the potential investment options and build your investment portfolio. However, this is a lengthy and tedious process.
A much better option is to seek financial advice for women. Make these advisers local, as local investment options will be a better match for you.
Should you live, say in Adelaide, find a financial adviser or a financial planner from Adelaide, and better yet use the services of an ethical investment adviser from Adelaide. These are professionals, who will have a ready-made investment portfolio to your requirements.
Now you know the story, you know the benefits and your know-how. You are ready to embark on the road to ethical investments.
How to Spot the Biggest CVV Shop: A Comprehensive Guide
With the widespread use of credit cards, credit card fraud has become a major concern for individuals and businesses alike. Fraudsters use various tactics to obtain credit card information, which they use to make unauthorized transactions. In this article, we will discuss how to identify credit card fraud and spot the biggest CVV shop.
Understanding Credit Card Fraud
Credit card fraud occurs when someone uses another person’s credit card information without their permission. Fraudsters may obtain credit card information through various means, including phishing scams, skimming devices, or hacking into databases containing credit card information.
Types of Credit Card Fraud
There are different types of credit card fraud, including:
- Counterfeit Fraud
Counterfeit fraud occurs when a fraudster creates a fake credit card using stolen credit card information. They may use the fake credit card to make purchases or withdraw cash from ATMs.
- Lost or Stolen Card Fraud
Lost or stolen card fraud occurs when a fraudster uses a lost or stolen credit card to make purchases or withdraw cash from ATMs.
- Card Not Present Fraud
Card not present fraud occurs when a fraudster uses stolen credit card information to make online purchases or transactions over the phone.
Signs of Credit Card Fraud
There are various signs that can indicate credit card fraud, including:
- Unauthorized transactions on your credit card statement.
- Unexpected declined transactions.
- Receiving a new credit card in the mail that you did not request.
- Unfamiliar charges or inquiries on your credit report.
- Receiving calls from debt collectors for debts you do not owe.
How to Spot the Biggest CVV Shop
A CVV shop is a website or online marketplace that sells stolen credit card information. CVV stands for Card Verification Value, which is a three-digit number found on the back of credit cards. Fraudsters use CVV shops to sell stolen credit card information to other criminals who use it for fraudulent transactions.
Signs of a CVV Shop
There are various signs that can indicate a CVV shop, including:
- Dark Web Listings
CVV shops are often found on the dark web, which is an anonymous network of websites that are not indexed by search engines. These websites require specific software and credentials to access.
CVV shops often sell credit card information for a fraction of the card’s actual value. If a website is offering credit card information at unusually low prices, it may be a CVV shop.
- Payment Methods
CVV shops may offer payment methods that are difficult to trace, such as Bitcoin or other cryptocurrencies. This makes it harder for authorities to track down the fraudsters.
How to Protect Yourself from Credit Card Fraud
There are various ways to protect yourself from credit card fraud, including:
- Keeping your credit card information secure and not sharing it with others.
- Monitoring your credit card statements regularly for unauthorized transactions.
- Using strong and unique passwords for your online accounts.
- Being cautious of phishing scams and not clicking on suspicious links or emails.
- Contacting your bank immediately if you suspect credit card fraud.
Credit card fraud is a serious issue that can have significant financial consequences. Understanding the different types of credit card fraud and signs to look out for can help you identify potential fraud early. By being aware of the signs of a CVV shop and taking steps to protect your credit card information, you can reduce the risk of becoming a victim of credit card fraud.
Towards a Sustainable Future: The Importance of Biobased and Eco-Friendly Packaging
The importance of sustainable packaging has been increasingly recognized in recent years, as businesses and consumers alike seek to reduce their environmental impact. One approach to achieving this goal is through the use of biobased packaging, which is a type of eco-friendly packaging made from renewable resources.
Biobased packaging refers to packaging materials that are derived from biomass, which includes a wide range of organic matter such as plants, trees, and agricultural waste. This is in contrast to traditional packaging materials such as plastic, which are made from non-renewable resources such as oil and gas. Biobased packaging can be made from a variety of materials, including bioplastics, paper, and cardboard.
One of the benefits of biobased packaging is that it is biodegradable, meaning that it can break down naturally in the environment. This is in contrast to traditional packaging materials, which can take hundreds of years to decompose and can contribute to pollution and litter. Biobased packaging also often requires less energy to produce than traditional packaging, as it is made from renewable resources that require less processing.
In addition to being biodegradable, biobased packaging can also be compostable, meaning that it can break down into organic matter that can be used as fertilizer. This can help to reduce waste and support sustainable agriculture. Some biobased packaging materials are also recyclable, meaning that they can be reused to create new products.
One example of biobased packaging material is a bioplastic, which is a type of plastic made from renewable resources such as cornstarch or sugarcane. Bioplastics can be used to make a wide range of products, including food packaging, bags, and utensils. They are biodegradable and compostable, making them a more sustainable alternative to traditional plastic.
Another example of biobased packaging is paper-based packaging, which is made from renewable resources such as trees. Paper-based packaging can be recycled and is biodegradable, making it a more eco-friendly option than plastic. In addition, paper-based packaging can often be produced using less energy than plastic packaging, as it requires less processing.
Eco-friendly packaging is another term that is often used to describe sustainable packaging. Eco-friendly packaging can refer to a range of packaging materials and practices that are designed to have a minimal impact on the environment. This can include biobased packaging, but can also include other sustainable packaging practices such as using recycled materials or reducing packaging waste.
One example of eco-friendly packaging is minimal packaging, which involves reducing the amount of packaging used for a product. This can help to reduce waste and minimize the environmental impact of the packaging. Another example is reusable packaging, which involves designing packaging that can be used multiple times, reducing the need for single-use packaging.
While biobased packaging and eco-friendly packaging have many benefits, there are also some challenges associated with their use. One challenge is the cost of producing these types of packaging, which can be higher than traditional packaging materials. However, as demand for sustainable packaging increases and production processes become more efficient, the cost of biobased packaging is likely to decrease.
Another challenge is the availability of biobased packaging materials. While there are a growing number of companies producing biobased packaging, the availability of these materials can still be limited. This can make it difficult for businesses to switch to sustainable packaging options.
Despite these challenges, the use of sustainable packaging is an important step towards reducing our environmental impact and creating a more sustainable future.
By choosing biobased packaging and eco-friendly packaging options, businesses and consumers can help to support sustainable practices and reduce waste.
In conclusion, sustainable packaging is becoming increasingly important as we seek to reduce our environmental impact. Biobased packaging is one type of sustainable packaging that is made from renewable resources and can be biodegradable, compostable, and recyclable. Bioplastics and paper-based packaging are examples of biobased packaging materials, while minimal packaging and reusable packaging are examples of eco-friendly packaging practices.
As we move towards a more sustainable future, it is important for businesses and consumers to consider the environmental impact of the products they use and the packaging they choose. By choosing biobased and eco-friendly packaging options, we can help to reduce our impact on the environment and support sustainable practices. While there are challenges associated with the use of these types of packaging, the benefits are clear and the demand for sustainable packaging is only likely to increase in the years to come.
In addition to choosing sustainable packaging, there are many other steps that businesses and consumers can take to reduce their environmental impact. These can include reducing energy consumption, using renewable energy sources, and minimizing waste. By working together and taking these steps, we can create a more sustainable future for ourselves and future generations.
Which Types of Software Does Your Company Need?
Workspace digitalization will undoubtedly continue to grow. Business opportunities are unlimited since the internet connects the right applicants with the right employers all over the world.
However, any good idea needs a solid implementation strategy. Specifically, the need to communicate effectively and to share knowledge seamlessly grows.
Thankfully, the market is ever-expanding. When there is a global need, solutions always emerge. Digitalization is rapidly expanding to affect all fields, including communication, task scheduling and administration, file sharing, and so on.
While this is good news, it also poses a conundrum: which tools to pick and which ones to avoid?
With so many options available, it is essential to decide the exact tools your business needs.
Here are our top picks.
Call Center Automation
Call center automation is definitely a good idea, as it can be deployed for various processes, including:
- Empowering employees
- Connecting with customers
- Driving continual improvement
The finest of call center automation tools come with conversational AI capabilities and deliver unified RPA. Both factors are critical, as they help businesses optimize processes and streamline procedures with ease.
A pro tip would be to use speech analytics for your call center. Speech analytics is the process of decoding audio recordings and using that information for advanced business intelligence. It has multiple uses and is certain to improve your business’ contact center performance.
For streamlining manual tasks, consider VoIP protocols, IVR systems and ACD systems.
VoIP protocols (Voice over Internet Protocol) is a method for the delivery of voice communications and multimedia sessions over IP networks. It has been around for a while and pretty much all businesses have used it at some point.
IVR (Interactive Voice Response) systems allow customers to interact with a computer-operated phone system through the use of voice and DTMF tones input via a keypad.
ACD (Automated Call Distribution) systems are telephony devices that answer and distribute incoming calls to a specific group of terminals or agents. Typically, ACDs deploy a voice menu to direct callers based on the caller’s selection.
Using dispatch software is always a good idea as it enhances logistics operations dramatically. It is a type of field service management software and its main purpose is to assist businesses in managing and automating their dispatch operations.
Dispatch software combines multiple functionalities such as client information, scheduling, dispatching, employee productivity, and automated billing and invoicing, to name a few.
Performance Management Software
Performance management is the process entailing communication and feedback between managers and employees. Its main goal is to uphold the company’s strategic goals.
There are five steps in the performance management cycle, as follows:
- Planning — communicating goals
- Monitoring — monitoring employee performance
- Developing — using insights obtained during the monitoring phase to improve employee performance
- Rating — performance appraisal
- Rewarding — rewarding good performance
Updated performance management software can streamline these otherwise complex steps, so it’s important to choose wisely. Also, keep in mind that new tech can only help if you have a strategic vision — automating random processes won’t do much to improve your performance management procedures.
eLearning and Gamification
Learning is one of the most desired benefits for new recruits. If you focus on adopting an innovative strategy in this area, you may lead by example.
Gamification and other eLearning options are rather popular these days, so you should definitely consider them.
What is gamification?
As the term portends, it is the application of game elements in other contexts. In the context of eLearning, gamification focuses on certain game elements that can boost training. The three main standards of the approach are meaningfulness, conditioning, and communication. Gamification specifically targets the extrinsic motivation of the learner (in plain words: external rewards).
Typical elements of gamification are points, badges and leaderboards. Points identify progress, nadges display achievements, and leaderboards are used for ranking.
Additional elements (optional) include progress bars, incentives, rewards for the milestones achieved, a narrative, feedback and interactive elements.
Beyond gamification, you may want to consider augmented reality (AR) learning. Once reserved for musings of science fiction writers, AR has gone a long way to reach its present status. Even when we can’t see it, AR technology is all around us.
Augmented reality is a synthesis of the real world and computer-generated environments. AR apps interact with users, offering a rewarding user experience.
As AR apps overlap with other technologies, it’s not unusual for students to be able to use social media to send messages while learning.
Knowledge Management System
Knowledge management systems are yet to earn their rightful place and there’s no doubt that will happen eventually. The current state of knowledge management and sharing is far from optimal but it’s still better than not doing anything. Conventional methods can document only ca. 20% of organizational knowledge.
It’s no rocket science that offering learning opportunities is simpler than managing knowledge, specifically in the case of large organizations.
Modern knowledge management systems bring together technology, organizational processes, and learners. Information is stored in a central location, meaning it’s easily accessible anywhere, anytime.
Project Management Tools
When it comes to project management tools, options are close to endless.
There are so many apps that it’s impossible to compare them all. Thankfully, clients usually go for popular choices, so you may start there until you learn the ropes and come across a better solution.
Typically, businesses need to combine project management tools with communication tools and file management tools, for obvious reasons.
Pick the apps that integrate with others and focus on the following points: file sharing, task conversion, visualization, and unified inbox.
Keeping Track of New Tech
Considered here are some of the must-have apps, which we’re hoping you’ll find helpful. Additional ideas may come to mind but stick to simplicity.
Alas, it’s too easy to get lost in the variety, and not all software solutions are necessarily good solutions.
Since workplace digitalization is a trend that doesn’t seem to be going anywhere, it’s perfectly valid to turn to other businesses for advice.
New tools keep popping up all the time and they make a point of including new trends. Keep an eye on the offer and adjust away.
Top 10 Digital Marketing Interview Questions And Answers
Digital marketing has become an integral part of businesses worldwide, and with the rise in demand, there has been an increase in the number of job openings in this field.
This blog will discuss some of the top digital marketing interview questions and answers that will help you prepare.
The rise of online platforms and social media has opened up endless opportunities for marketers to reach and engage with their audience.
As a result, the demand for digital marketing professionals has rapidly increased over recent years. With the increasing demand for digital marketing professionals, knowing the top digital marketing interview questions is essential.
If you want to crack a digital marketing interview, you must be well-prepared with the commonly asked digital marketing interview questions.
Best 10 Digital Marketing Interview Questions (With Answers)
If you are looking to start a career in digital marketing or are preparing for an interview, here are the top digital marketing interview questions and answers to help you ace your next interview.
- What is digital marketing, and why is it vital for businesses?
Answer: Digital marketing promotes products or services using digital channels, such as search engines, social media, email, and mobile apps.
The goal of digital marketing is to reach and engage with potential customers through these digital channels and convert them into loyal customers.
It is important as it helps businesses reach their target audience cost-effectively and measurably and provides the opportunity to engage with customers in real-time.
Click here: Learn in detail the top digital marketing interview questions with Expertrons
- What are the different types of digital marketing?
Answer: The different types of digital marketing include Search Engine Optimization (SEO), Pay-Per-Click (PPC), Social Media Marketing (SMM), Email Marketing, Content Marketing, and Affiliate Marketing.
- What is SEO, and how does it work?
Answer: SEO stands for Search Engine Optimization which focuses on optimizing a website’s content to rank higher on search engine results pages (SERPs) organically.
It works by optimizing the website’s content, meta tags, and other on-page elements to make it more relevant and useful to users searching for a particular keyword or phrase.
- What is PPC, and how does it work?
Answer: PPC stands for Pay-Per-Click, it is an important metric. It is a form of paid advertising where advertisers pay a fee each time their ad is clicked on. PPCs are commonly used in search engine advertising and social media advertising.
PPC works by bidding on keywords and displaying ads on SERP i.e search engine result pages or other websites, and advertisers only pay when someone clicks on their ad.
- What is social media marketing, and how does it function?
Answer: The process of advertising products or services on various social media platforms like Facebook, Twitter, Instagram, and LinkedIn is known as social media marketing.
It works by creating content that is engaging, running ads, and engaging with the audience which helps to build brand awareness and ultimately drive traffic to the website.
- What is email marketing, and how does it function?
Answer: Email marketing method is a popular way of sending promotional messages to a targeted audience via email.
Email marketing entails obtaining email addresses from readers or subscribers in order to share pertinent information with them, such as newsletters, updates on pertinent events, and promotional offers.
- What is content marketing, and how does it function?
Answer: The process of Content marketing is creating and sharing valuable content to attract and retain a clearly defined target audience.
It functions by producing interesting, educational, practical, and entertaining content and disseminating it via a variety of channels, including blogs on websites, social media, and email.
- What is affiliate marketing, and how does it work?
Answer: Affiliate marketing is a type of performance-based marketing where advertisers pay a commission to affiliates for promoting their products or services.
It works by providing affiliates with unique links (each affiliate works separately) that they can use to promote the products or services, and advertisers only pay when a sale is made through the affiliate’s link.
- What are the key metrics used to measure the success of digital marketing campaigns?
Answer: Some of the key metrics or popularly known as KPIs used to measure the success of digital marketing campaigns include website traffic, conversion rate, click-through rate (CTR), cost per click (CPC), cost per acquisition (CPA), and return on investment (ROI).
- What are the different tools used in digital marketing?
Answer: There are many tools available in the market, some of the popular and good tools used in digital marketing include Google Analytics, Google Ads, SEMrush, Ahrefs, Hootsuite, Mailchimp, and Canva, among others.
In conclusion, digital marketing is a vast field with endless opportunities.
Digital marketing is a rapidly growing field, and it is important for job seekers to be well-prepared with the commonly asked questions in interviews.
By preparing for these top digital marketing interview questions and answers, you can increase your chances of landing your dream job in digital marketing.
To succeed in a digital marketing role, you must understand the various channels and strategies available and how to measure their success.
We hope these top digital marketing interview questions and answers will help you ace your next interview and showcase your knowledge and skills.
All You Need to Know About the Crypto Tax Calculator
Cryptocurrency taxes can confuse many people, especially those new to crypto. With so many cryptocurrencies available and the value constantly fluctuating, it can take time to calculate the exact amount of taxes owed. This is where the crypto tax calculator comes into play. In this blog post, we will explore what a crypto tax calculator is, how it works, and why it is essential for cryptocurrency investors.
What is a Crypto Tax Calculator?
A crypto tax calculator is designed to help cryptocurrency investors accurately calculate their tax liabilities. It analyzes the transactions on various cryptocurrency exchanges and summarizes the taxes owed. These calculators typically utilize an Application Programming Interface (API) to retrieve transaction data from cryptocurrency exchanges, including the date of purchase, the amount spent, the price of the cryptocurrency at the time of purchase, and the date of sale. Once this data is collected, the calculator calculates the tax liability.
How Does a Crypto Tax Calculator Work?
Crypto tax calculators work by taking all of the data collected from the API and processing it through a complex algorithm. The algorithm considers various factors, such as each cryptocurrency’s purchase price, sale price, and holding period. The tax calculator then uses this data to calculate each transaction’s capital gains or losses.
Capital gains are the profit made when selling a cryptocurrency for more than it was purchased for, while capital losses occur when selling a cryptocurrency for less than it was purchased for. Once the calculator has calculated the capital gains or losses for each transaction, it then calculates the total tax liability for the investor based on their tax bracket and the tax laws in their country.
Why is a Crypto Tax Calculator Essential?
Crypto tax calculators are essential for several reasons:
Calculating cryptocurrency taxes can be highly complicated, especially for those who have made numerous trades. A crypto tax calculator eliminates the possibility of human error, ensuring that the tax liability is calculated accurately.
Calculating taxes manually can be a time-consuming process. A crypto tax calculator simplifies the process and saves investors time by automatically generating a tax report.
Hiring a tax professional to calculate your crypto taxes can be costly. A crypto tax calculator eliminates the need for a tax professional, saving investors money.
Using a crypto tax calculator, investors can ensure that they comply with tax laws in their country. Failure to comply with tax laws can result in penalties and fines.
How to Choose the Right Crypto Tax Calculator
Choosing the right crypto tax calculator can be overwhelming, given the many options available. Here are some factors to consider when selecting a crypto tax calculator:
Accuracy is the most crucial factor when choosing a crypto tax calculator. Ensure that your calculator is accurate and current with the latest tax laws.
A user-friendly interface is essential when choosing a crypto tax calculator. The software should be easy to navigate, and the instructions should be clear and concise.
Ensure that the crypto tax calculator you choose can integrate with the cryptocurrency exchanges you use. The more exchanges the calculator supports, the better.
Choose a crypto tax calculator that offers excellent customer support. The support team should be easily accessible and able to answer any questions you have.
A crypto tax calculator is an essential tool for cryptocurrency investors. It simplifies calculating taxes and helps investors comply with tax laws. Using a crypto tax calculator, investors can take control of their tax liabilities and make informed decisions about their cryptocurrency investments.
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