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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.  

Many Names

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. 

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Top 7 Stocks To Buy In 2021



Top 7 Stocks To Buy In 2021

Every year, the stock markets make winning investors as well as losing investors. Some have been on the winning side for so long that they’ve made a fortune. But unfortunately, most of the participants are not profitable.

To get you started on the right foot, in this article we find out which are the best stocks to buy now. It is important to note, however, that the advice given here should not be taken as a call to invest in any particular security.

That being said, let’s start by showing you the top 7 stocks of 2021 that you should put in your portfolio.

7 Best Stocks to Buy Now

With so many titles available, the choice is sometimes difficult to make and that’s how you can make mistakes. We wanted to make it easier for you by reducing your options to just 7 stocks based on our analyzes.

Keep in mind that this is not investment advice, but just a starting point to help you research worthwhile stocks.

  1. Apple

Apple is currently one of our favorites for 2021, why? Apple is launching the M1 chip which will revolutionize the next versions of computers and laptops on the market.

The M1 processor is up to 3 and 4 times more efficient than any Intel processor currently on the market. Besides performance, the cost of mounting its own microprocessor is huge, so the reduction in cost translates into increased sales and profits for the business.

  • Amazon

Another great and good example is a company that everyone is familiar with, Amazon. Today, Amazon is one of the largest companies in the world, and in 2020 it was named one of the top three companies by market capitalization. If you are interested in buying Amazon stocks, we recommend that you read the Invezz investment platform guide which gives you a great overview of trading platforms and how to choose the best broker.

  • Microsoft

Microsoft was founded by Bill Gates and Paul Allen, two of the richest men in the world. Microsoft Corporation is also one of the largest software companies in the world, with many famous subsidiaries including Skype, LinkedIn, Microsoft Azure, Xbox Game Studios, GitHub, and many other technology companies.

Due to the global coronavirus (Covid-19) pandemic, Microsoft has benefited greatly from increased sales thanks to the implications of remote working. Working from home has become a global trend and has seen a proliferation of products, from Microsoft PCs to the Windows operating system, allowing people to work and learn from home.

With distance work and learning booming and ready to permanently adapt to the new normal reality, this makes Microsoft more of a clear growth stock to buy in 2021 than ever before.

  • Visa

After the disappearance of the real money that we live gradually and that the current situation has accelerated, the system will give way to the support of 100% of payments digitally.

And which company will be the biggest beneficiary of the elimination of physical money, hopefully it will be Visa.

Analysts agree that the elimination of paper money will be slow until the end of 2022, beginning of 2023, so we can think of making a long-term investment for this company.

  • Netflix

With over 195 million subscribers reported in its 2020 quarterly report, the streaming company ranks in the top 3 for the number of subscribers subscribed, and in the United States, it has the highest number of subscribers in a country with just under 75 million.

Following the new changes that have brought us to live a life at home, the business has continued to grow, being the undisputed king of online subscriptions.

  • Paypal

PayPal is the world’s largest digital platform providing money transfer services. In addition to this year’s forecast, PayPal also has another high forecast for next year, which is why PYPL is listed as one of the top 7 to invest in 2021.

PayPal’s results show the company has 361 million active accounts, which was announced in the last quarterly report.

The digital world continues to evolve, which is why purchasing PayPal in 2021 is such an event you shouldn’t miss.

  • Alphabet

For those who don’t know, Alphabet is an American multinational whose main subsidiary is Google. Alphabet develops products and services related to the Internet.

To give you an idea of the potential of this business, it includes companies and product lines such as Android, Google Search Network, YouTube, Google Maps, Google Ads, Nest, Google Ventures, Google Capital, Google Cloud, as well as certain biotechnologies and health.

The company is ranked 11th among Fortune 500 companies. It is the fourth US company to achieve a billion dollar market capitalization.

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There are two types of brands: Personal and Corporate. Choosing the best fitting title for your company requires asking some questions, getting objective answers and some future considerations. A Personal Brand is based around a person, just like it sounds. Oprah, Martha Stewart, Tony Robbins, etc. These brands can be applied to any number of products or services that can reasonably be affiliated with the individual such as Oprah’s Magazine “O” and Martha Stewart’s many lines of home décor. The brand holds the values, skills and notoriety of the person after whom the brand is named. Corporate Brands are not centered around any one person, but rather a concept, idea or industry of focus. In some cases, the brand name is nonsensical, like Google or Trivago, which makes them catchy, but increases the cost of advertising. 

Corporate Brands are more flexible because it matters less who is at the helm of the brand, allowing corporate brands to be bought, sold and expanded seamlessly into multiple industries. Example: Microsoft, Apple, and Starbucks. While the CEOs of these companies are able to reach high levels of fame, just like with Personal Brands, that person can also be switched out without the brand losing all of its value and credibility. Example: Steve Job’s passing and subsequent appointment of Tim Cook as CEO of Apple. Apple is worth more now than when Steve Jobs was CEO. Are you searching for a corporate branding strategy that could assist in raising awareness of your company? Businesses from many different sectors such as hospitality, finance, and even the automotive industry have found that printing their logo onto bottled water can be a simple yet effective way to advertise their products and services in a strategic way. Bottled water can easily be sold or provided complimentary at hotels, offices, and even at trade shows or exhibitions, so if you are intrigued and wanting to give branded bottled water a try, head to the Custom Water website for all the information you need.

So… Personal or Corporate? How do you know which one is right for you?


  1. Will customers buy from anyone selling the products or services you make?
    1. Yes: Corporate
    2. No: Personal
  2. Is having you in the sale critical to making the sale happen?
    1. Yes: Personal
    2. No: Corporate
  3. Is your type of product or service specific to you as a creative, innovator or inventor?
    1. Yes: Personal
    2. No: Corporate
  4. If you were taken out of your business for 6-months, would it negatively affect the sales of your company?
    1. Yes: Personal
    2. No: Corporate
  5. Do you want to be able to sell your business in the future?
    1. Yes: Corporate
    2. No: Personal

Corporate Brands are more flexible because it matters less who is at the helm of the brand, allowing corporate brands to be bought, sold and expanded seamlessly into multiple industries. Example: Microsoft, Apple, and Starbucks. While the CEOs of these companies are able to reach high levels of fame, just like with Personal Brands, that person can also be switched out without the brand losing all of its value and credibility. Example: Steve Job’s passing and subsequent appointment of Tim Cook as CEO of Apple. Apple is worth more now than when Steve Jobs was CEO.

Now that you know what sort of brand you require, take the next step in working with a brand design agency to develop the logo design, messaging, design style, color palette, typography and guidelines that will guarantee consistency wherever your brand appears.

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What Is Bridging Loan And How Does It Work



No matter how efficiently we manage our finances, there are some unforeseen circumstances in life. We need instant financial help, such as the renovation of a home, paying medical bills, repairing cars and more. A bridging loan is a short term loan that provides you with instant cash flow to fulfil your current financial obligations. It is a secured loan designed to provide the fastest access to cash that borrowers can use for almost any purpose. Bridging loans are different from traditional bank loans in both criteria and primary uses. Typically, bridging finance is used by property developers and investors as a temporary loan or short term mortgage. 

How Does Bridging Loan Work?

In most ways bridging loans are similar to traditional secured loans in which borrowers need to submit an application form to get money using an asset as collateral. However, in bridging finance, a loan is provided against the property of the borrower. The lender has a right to take ownership and sell the property if the borrower fails to repay the loan amount. One thing that makes bridging finance different from conventional property loans is that the loan amount is repaid as one lump sum at the end of the loan term. As it is a short term loan, the loan is usually offered for a period of 1 to 18 months. With this type of loan, you have the option to pay the interest rate monthly or at the end of the loan term. 

Moreover, the application process of bridging loans is easier and quicker than other types of loans. You may need to wait for weeks or even months when you apply for a mortgage loan, but bridging finance is approved within days or sometimes within 24 hours. It makes bridging finance an ideal option in time-critical situations, such as when purchasing a property at auction or completing the property purchase before the sale of existing property. However, be mindful that bridging loans come with high interest rates and fees, and they make financial sense only when used correctly.

Uses Of Bridging Loan

Although bridging loans are usually used to complete the purchase of a property, they can be used for almost any legal purpose. Some of the most common uses of bridging finance are as follows: 

  • Purchasing property at auction 
  • Renovation of property to increase its value before the sale.
  • Paying unexpected tax bills. 
  • Purchasing uninhabitable or non-standard properties.
  • Preventing your property from repossession.
  • Solving business financial problems 

Other than that bridging loan is worth considering when a significant amount of money is needed quickly and can be repaid within months. 

The demand for bridging loans is increasing day by day because of the ease and flexibility they provide to the borrowers. Several bridging loan providers are present in the UK, so you should shop around to choose a well-reputed and trusted platform. You can check online customer reviews to know borrowers’ experience with a provider. Always choose a provider that has a transparent lending process and following best lending practices.

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Things to do on getting a rapid enterprise inc. notification



Something that has been doing the round more often than ever are these rapid enterprises inc. notifications! People need to understand that it can be anything from a genuine order shipment or a scam.

There are certain things that you need to do if you get a notification of mails from rapid enterprises inc. It will help you understand which notification is coming from trusted sources and which one isn’t!

What is Rapid Enterprise?

Rapid Enterprises Inc. is a brand that has been in the business of trading since the year 1994. It offers postal service solutions and has a great amount of outstanding customer reviews. It has multinational level business.

Here’s the truth behind the notifications from rapid enterprises Inc. stamps

If we talk about the authenticity of the notifications from rapid enterprises, we can say that it depends on various factors, and it can be anything – a trusted shipment or a scamster try to make a fool of you.

In either of the scenarios, all you need to do is to perform a simple test of the notification or parcel (if you receive one) and it will help you know more about the source of the notification or parcel.

People in the US can check if the parcel is from US postal service, you will get a tracking number through mail. Next, you can go to the USPS website and track the shipment through tracking number. If it is a genuine parcel, you will get all the information from the website.

If you don’t find any relevant information, you can contact the USPS customer care, drop a mail or call on the 24*7 available number – 1-800-275-8777.

Why do we get such notification?

Many people experienced that it is indeed a genuine shipment that they received. One of the individuals who received the parcel said that he got a parcel as a gift from Amazon for dropping a positive review in appreciation for a product.

Is it really a scam every time?

It is the perception of the people which makes or breaks trust on a brand or business. Therefore, we would say that due to the perception and half knowledge of people about the whole thing, the masses have developed this thinking that parcels from rapid enterprises are total scam.

But the fact is many times it is not a scam, but a stupid glitch which sends the mail to your address.

How do you contact rapid enterprises Pvt. directly?

Rapid Enterprises Pvt. is based in India. In order to get all the information or relevant details about Rapid Enterprises Pvt., you can directly visit their official website.

Here you can get all the information you want and also check their various offerings and plans if you want their services anytime in the future.

What can we conclude?   

As of now, there is indeed a little known about the notifications that claims to be coming from rapid enterprises inc. stamps. However, being cautious is what’s in your control.

The thing is simple, if you get enough information from trusted source about the parcel or mail, then it is indeed coming from rapid enterprises Inc. and you don’t have to worry.

But! If you have the tiniest of doubt about the mail, and you don’t get relevant data to prove the authenticity of it, then it is scam! So, beware and stay alert.

In case of it being a scam, don’t forget to inform the postal service about it and then just ignore everything from that source.

That’s it! This is all you need to do.

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What is peer to peer lending?



It is an online platform where investors are connected with borrowers directly. The peer to peer lending firm pools investor’s funds and lends them to borrowers at different interest rates based on risk assessment. Typically, borrowers benefit from this kind of process as peer to peer firms might be able to offer quick access to finance or might be able to secure better interest rates compared to those offer by high street banks. Remember that all the individuals and businesses who borrow peer to peer loans have to undergo extensive credit checks and their creditworthiness is assessed by the platform. While some firms allow investors to perform their own due diligence, investors usually depend on the due diligence carried by the peer to peer lending internal credit control teams. 

How does P2P lending differ to property crowdfunding? 

While peer to peer firms allow investors to put money in debt instruments, the crowdfunding allows investors to take an equity stake. This means that the investor owns a proportion of the property in which they are investing.

 How is peer to peer platforms different? 

The main differences between p2p lending platforms are the following: Secured vs Unsecured (loans are not backed by assets) Loan term (how long the loan will last) Loan loss provision fund (the level of cover provider offers vs The expected bad debt) If loan is secured then what type of security it offers (i.e. business assets, property and personal goods) Manual vs Automatic investment (i.e. extent to which a lender allows hands-free investment)

ISA providers:

Peer to peer lending is a method where people can lend to businesses or individuals, removing the middleman, which is typically a bank. In 2016, the government recognized the growth of this industry by introducing an ISA to make tax-free investments and profits. Like other types of ISAs, individuals can invest up to £20,000 each tax year. A person can set up only one IFISA per tax year. A lot of Innovative ISA providers allow users to choose specific businesses, consumers or other projects to invest in. Other providers can take your funds and distribute it automatically over diverse loans, to keep a particular return and risk profile. Fees and returns differ based on the nature of the loan, the work that the provider puts in and the security that is in place. These lending platforms are not protected under the protection of the Financial Services Compensation Scheme that covers investments and savings in case the platform goes bankrupt. Some platforms set up provision funds to cover the investments. However, this doesn’t guarantee any money back, particularly with market conditions. With the majority of Innovative Finance ISA  if users wait for the investment to run its term, they will not have to pay any other fees. But, if users opt to withdraw funds early or sell their investments to others, they will have to pay a fee. In order to do this, users need to find investors to buy their investments because they cannot be sold back to the platform.

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