Archives for May 2015

7 Top Carbon Emitting Nations Causing Global Warming

May 29, 2015 1 Comment

Today’s post is about the environment. In case you haven’t read my previous articles on environment, you can refer to my Environment category in the archive. I live in Miami metro area. Our area is under threat due to global warming, sea level rise may cause our property to go under water in few years. I am afraid, so is 50% of world population, who live near the sea shore. Today I’ll list top 7 nations that emit maximum carbon causing global warming.

Top 7 Carbon Polluting Nations

Atmospheric researchers at Concordia University in Montréal have published a paper outlining the world’s most aggressive carbon dioxide contributors. Their findings suggest that just seven countries hold responsibility for 60% of the anthropogenic global warming in the world thus far.

Six Categories Where Saving Can be Maximized

May 26, 2015 5 Comments

Opportunities for Saving money is everywhere. Whenever you pay for a good or service, the is an opportunity to save. Using coupons, discounts, bargaining, deferring buying decision, etc. can be used almost every time you pay. But saving money when there’s little or no possibility can be sometimes taxing for people around you.They may not like the idea of you bargaining everywhere you go out for shopping or asking for discounts. also saving money works best when you do budget for some fun.

Saving Categories to Maximize Saving

While having fun while you save, it’s perhaps wise to think about putting your best effort towards the spending category that can result in maximum sales. Trying to save money on your coffee may not bring the best result as saving money on gas. Analyze your spending history. I always recommend people to use Personal Capital tool to analyze spending, it is a free tool and it makes your personal finance easy to manage. Once you know where you spend your money most on, it’s easier to target that area.

51 Cost Effective Things to do This Memorial Day

May 24, 2015 1 Comment

Every year, Memorial Day is celebrated on the last Monday of May. This day is observed in order to honor, remember and celebrate the soldiers who have lost their lives in the line of duty to serve the United States Armed Forces. Memorial Day is also marked as the start of summer. Many people use this as an event to both celebrate Memorial Day and also to welcome summer.

This is one of the long-awaited holidays we have. For me this is the first holiday of the year as I haven’t taken any paid leave so far. Planning to celebrate the day by doing some fun activities with friends. What will you be doing?

Use Moats to Protect Your Investment Castle

May 20, 2015 Leave a Comment

Just as a physical moat protects a castle and keeps it thriving, an economic moat protects long-term returns, along with a company’s earnings. For example, Visa and MasterCard have a huge network of connected merchants. New competitors would have to invest a significant amount of time and money to build a similar network. In this case, the size and scope of the network is the moat.

Create a Moat Around Investment

The size then makes merchants stay with Visa and MasterCard, as their scale gives them pricing power. Visa and MasterCard’s economic moat limits competition, making their earnings more consistent and predictable. Not only Visa and MasterCard, but all other moats produce returns and help protect earnings. As earnings grow over the long-term, so will the value of your investment. In this article, we will discuss how to find and analyze modern-day moats.

How You Can Help The Environment

May 18, 2015 2 Comments

Arguably, world is right now experiencing it;s latest extinction level event, which is human induced. Since last thousands of years human beings caused extinction of large species of animals and plants. Now we are in self-distracting mode. In a way we are about to wipe out every living being on this planet. If we don’t stop what we are doing now. That is damage we are causing to our environment. Unless every one of us start playing our part, we are in irreversible path of self-annihilation. This is not my theory. Read about Holocene extinction event on Wiki. How can you help?

Saving Environment

Let’s talk about how we can do our bit. Earth will still be around after thousands of years after our death. This gradual extinction will occur over a million years. But we can leave a better place for our children if we contribute towards cleaner and greener environment. Perhaps our children could learn from us and do greater things for the planet. (See Also – 101 Ways to Save Environment)

How To Pick The Best Credit Card From a Thousand Cards

May 11, 2015 2 Comments

There are a thousand credit cards available in the market. Whereas, individual carries, on average, 2 credit cards. So, how to shortlist? How you’d zero in on a few credit cards from seeming an infinite number of options? Choosing a right credit card has become one of the most important topics of personal finance. But, I haven’t written up on this earlier. Let me cover every step that one must take to pick the best credit card fitting to their need.

How to Select Your Credit Card, A Step By Step Guide

Financial Considerations When Starting Up a Business

May 9, 2015 Leave a Comment

If you are looking to start a new business, establishing a solid financial base should be one of your main concerns. Whether you are intending to set yourself up as a sole trader or register a limited liability partnership with a trusted acquaintance, it pays to think like an accountant. Developing a financial plan for your business might seem like a chore, but it is something you cannot afford to ignore.

Keeping your start-up costs down

One of the most crucial tasks you will need to get to grips with is working out your start-up costs and keeping them to a minimum. The less you spend on setting up your business, the less you will have to turn over to breakeven and the more likely you will be to see your business through the first 12 months without falling into a financial crisis.

Depending on the nature of the business you are intending to launch, your premises costs are likely to be one of your greatest overheads. If you can start your business without having that financial burden, you will be more likely to see your business thrive in the long run.

3 Unexpected Windfalls You May Receive in Your Lifetime

May 7, 2015 2 Comments

Once I bought a lotto ticket for Florida Lottery, when jackpot went up astronomically. I don’t really recall the exact amount of the jackpot. But that’s it I never played lotto again. But, like every one else I sometimes day dream about getting a windfall of money. Some weird thoughts do cross mind sometimes, like a suitcase full of money coming down from the air crafts above or finding a sack full of currency notes. But realistically, we may receive a financial windfall at some point of time.

Financial Windfall You May Receive

Most of us learn to live with a steady amount of money. It usually comes in the form of a paycheck from employer. We are accustomed to it. We can manage our income, budget it, plan for the future, and do everything you’d expect with this sort of arrangement. So how do we handle an unexpected windfall?

Archives for May 2015

7 Top Carbon Emitting Nations Causing Global Warming

Six Categories Where Saving Can be Maximized

51 Cost Effective Things to do This Memorial Day

Use Moats to Protect Your Investment Castle

How You Can Help The Environment

How To Pick The Best Credit Card From a Thousand Cards

Financial Considerations When Starting Up a Business

Keeping your start-up costs down

3 Unexpected Windfalls You May Receive in Your Lifetime

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