An ethical investment portfolio entails investing in sectors that you find morally, socially, and ethically correct; this means that investors only invest in businesses they find appealing to what they believe. Of course, it is not easy to create an ethical investment portfolio; aligning your values with your investment requires effort. For instance, an investor who hates alcohol will not invest in such because of the negative social and health implications associated with its use. Ethical investment means that you don’t invest in areas that…
Building and maintaining your credit isn’t a passive process. Unforeseen financial struggle, a laid off job or just forgetting to write down due dates can all stand in the way. You don’t ever want to bite of more than you can chew when it comes to taking on debt, though if your credit is good enough you may be able to withstand a few rainy days. But what really is a good credit score? According to our modern FICAS model for scoring credit, your credit score is based on you payment history, total outstanding debt, the length of your credit hist…
Credits cards are excellent financial tools, but only when used responsibly. Many people have fallen into the pitfall of credit card debts, which could happen to anyone, even experienced users. At first, it is not easy to grasp the consequences of accruing debt because it seems like the money is free for you to spend, but that is far from the truth. The following are the dangers of credit card debt and how you can steer clear of them. The Never-Ending Free Fall Accruing credit card debt is easy because of the convenience of using a credit ca…
The cryptocurrency market is a fast-paced and volatile one, with plenty of opportunities for traders. However, just because you have a chance doesn't mean that it's going to be easy to take advantage of it. You'll need a trading strategy to make money from trades. In this post, we will walk you through the process of getting started with a crypto trading bot so that you can start making profits. Choose a Bot The first step is to choose which Bot you want to use. There are two main types of bots out there: semi-automated and f…
There are ways to invest in mutual funds. You can choose the lump sum mode, where you contribute a significant sum altogether in a mutual fund of your choice. If you do not want to invest via the lump sum mode, you can contribute systematically to your mutual fund scheme through the SIP (Systematic Investment Planning) mode. In the SIP mode, you pay a fixed sum at defined intervals for a fixed duration. SIP and long-term investing is the ideal method to accumulate wealth through mutual funds. SIPs further help in rupee cost averaging as you in…
You’ve got a mountain of credit card or other unsecured debt, and there’s no way you can get out from under it by yourself. You need help and a financial strategy, and you need it now. You’ve been weighing your options, including debt settlement. But is debt settlement right for you? Well, let’s see. What is Debt Settlement? Also called debt relief, debt settlement is when you hire a company such as Freedom Debt Relief to go to your creditors on your behalf to see if they will agree to let you pay just a portion of what you owe to satisfy yo…
The Mudra loan scheme under the Pradhan Mantri Mudra Yojana (PMMY) has been a god-send to all of the micro, small, and medium enterprises (MSMEs) in India. The scheme has single-handedly been able to alleviate one of the major difficulties faced by small enterprises in the country - lack of proper access to funding. Under the scheme, both new and existing enterprises can apply for loans up to ₹10 lakhs. That’s not all. Even proprietors and individuals looking to purchase a vehicle for commercial purposes can also avail this loan scheme. I…
An independent mortgage advisor provides ideal and impartial Halifax Mortgage Advice to help people find the right mortgage deal for themselves. Usually, they work independently to research outstanding mortgage options and analyze the best deals for each individual. Since these advisors are experts in their field, it's always possible that they get you deals that you usually can't on your own. Finding an ideal Halifax Credit Score Mortgage advisor amongst so many options is a daunting task. You need to make a list of your require…
If you’d like to purchase crypto online, you can find many options out there. The most common concerns you may have can be the following: “Where can I buy cryptocurrency with credit card at the best exchange rates? Can I do it fast, anonymously, and safely? How do I know the site I’m going to choose for crypto exchange credit card is 100% secure and trustworthy?” No worries. We completely understand all your concerns. Many people like yourself are searching for a credible website where they can convert USD or euro from their Visa or Masterca…
Repairing your credit score involves several techniques. But most of us may count it as disputing the errors present in the report. In case you also got a denial for a mortgage or a credit card approval, then hiring the best credit repair company can prove to be beneficial. Otherwise, the chances of acquiring a new loan or a credit card won't be possible in the future. Before we move on to the factors, here's a brief breakdown of what a credit repair agency offers. Generally, the hired experts focus on leveraging your legal right…
The central government’s effort to bring transparency in the real estate sector along with the introduction of several governments aided housing schemes, have boosted the real estate sector in this country. In addition to it, when RBI recently reduced the repo rate to 4.40%, it encouraged aspiring home buyers to apply for home loans and go ahead with their residential property purchase. However, before applying for it, borrowers should know about home loan repayment options for easy repayment of their home loan. Types of Repayment Op…