Why seek employment law advice for your small business

While it is perfectly normal for a business owner to want to focus on the most essential processes that contribute to the success and growth of its small business or startup, paying attention to the legal aspects of running a business is also very important. Statutory compliance, staff employment, terms of service and supplier contracts are the areas where professional legal advice services can help secure your business and save money in the long term.

According to a recent report published by the UK Legal Services Board, called In Need of Advice? and based on a YouGov survey of over 9000 British small businesses, 38% of surveyed small businesses experienced one or more legal problems in the past year, out of which employment law issues were second most common situations business owners had to face, right after issues concerning trading. While 45% of surveyed small business owners considered that legal problems have a tangible impact on their business operations and growth, in the majority of cases they dealt with problems entirely on their own (52%), with only 16% of legal problems being solved through professional legal services.

Prepare your small business for future employment law situations

As businesses grow, its almost inevitable that small business owners will have to deal with the occasional difficult employment scenario, the most common issues revolving around employee gross misconduct, unfair dismissal and redundancy. These employment issues can have a negative impact on the overall performance of the business and can quickly escalate and generate loss if the correct legal steps are not followed. This is why seeking employment law advice from the outset helps a small business be prepared to handle any employment situation correctly .

Employment law advice directly from the experts

It is good business practice to seek employment legal advice not only when employee grievances arise or legal action is required, but from the very beginning of your business setup.

Other than offering employment law advice and support in cases of gross misconduct, redundancy and dismissals, an employment law solicitor can play a preventive role, by helping small business owners set up the correct employment contracts, prepare employee handbooks and other essential employment procedures and keep the business up to date on employment legislation.

Affordable employment legal advice

There are many ways in which small businesses that cannot afford a dedicated HR and employment service can still benefit from expert employment legal advice. While engaging a high street employment firm of solicitors on matters requiring legal action in court can prove to be an expensive exercise, small business owners can seek employment law advice with local professional associations and groups, which offer a series of online legal advice resources that any small business can easily access. Another route to take is to engage independent accounting and tax consultants that often include employment solicitors and offer employment law advice and guidance on a retainer arrangement, which is usually the most cost-effective solution for small businesses.

Computer Support Virginia Services for Small Business

Computer support Virginia services can allow you to fix any kind of hardware or software related problems of your PC. For small businesses, such services are quiet beneficial a sit can allow them to gain cost effective services.

Easy and fast way of carrying business is by means of using computer as it can assist in smooth running of business. For people running small scale business computer support Virginia services are essential as it can assist in resolving technical problems associated with your computer. In order to solve technical problems you need to have good set of skills and for people running small business it is not possible to carry out all activities single handedly. If you want to prevent your PC from sudden breakdown then it is essential to opt for reliable computer support services. Sudden break down might create problem for you as you might loose all your previous data.

Proper diagnosis of problem is essential to come up with suitable solution related to computer repair. Hiring professional services can make it possible for you to analyze problem and accordingly work over it without spending extra bucks on problem which actually do not exist. Small problems related to installation of anti virus software or corrupt software can be solved by you but when it comes to major problem, you would need computer support Virginia services. Opt for the services which say no to guesswork. Guesswork in technical errors might sometime not work in your favor and can further create more problems related to your PC.

While hiring such services for your small business see to it that professional IT expert is available to identify the problem and provide with solution accordingly. Don’t let the employee of your business assume the problem and apply their own mind to solve it. This might sometime work in your favor but can sometime invite more problems. Also it will waste lot of working time and so hiring professional services can help you to save considerable amount of time. Apart from time factor you also have to look after cost factor. Try to resolve problem as soon as possible before it gets too big and invite spending more amount of money.

Computer support Virginia for small business can be very fruitful in terms of services as well as cost. Look for the service provider who is located near to your business location so that you can save time involved in traveling. Look for the IT professional who can find it easy to resolves different problems related to hardware as well as software. Troubleshooting procedure should be aptly carried out so that further you can find your computer easy to maintain.

NTConnections provides fast data networking services, best it consultants online & exceptional business technology solutions. Opt for more comprehensive technology & Computer Support Virginia.

Interface Financial Group- A Franchise Opportunity

Interface Financial is not only about a unique invoice discounting system; it is also about a franchise opportunity for you! The opportunity that IFG wants to provide home workers with is unmatchable. Not only will franchisees get superb returns on their capital but they will also be able to expand and grow their franchise at their own convenience with little marketing costs. IFG will continuously provide you with plenty of support and guidance which will provide you with guaranteed success as Interface Financials will let you in onto two decades of business secrets!

The marketplace for invoice discounting is a part of the financial services of factory. This is one of the markets which continue to grow at a healthy rate irrespective of the world wide recession. The lower end of the sales volume scale, which happens to be Interfaces unique market niche, has been growing healthily for quite some time. Furthermore, Interface has been successful in working with smaller newly emerging businesses. Hence there is absolutely no need for you to worry about the market situation of your to-be-born franchise.

On the other hand, are you starting to wonder about how competent you are to become a part of IFG? Maybe you are concerned about your lack of a financial background; worry not! IFG will provide all its franchisees with high quality training by means of self-study, field training, formal training and other web-based training modules. In addition to this there will also be an IFG coaching program which will ensure that you leave the program with the ability only to succeed!

There are plenty of more reasons why you should join hands with Interface. After all, IFG has always made its way into the top of the Entrepreneur Magazines Franchise 500 rating list, Americas Top Global franchise rankings and Home Based franchise ranking. The Franchise Research Institute has also classified Interface as a World Class Franchise.

All this is just an investment away. Start right away and become a part of a key financial service industry. Do not let yourself work for money; within the convenience of your home and with superb returns for a small startup, let money work for you! Join IFG today to become part of a franchise which is one of the best of the best.

How to Make Money Buying and Selling Estate Tobacco Pipes

One of my favorite things to buy and sell is vintage tobacco pipes. I’ve found it to be very easy to visit different flea markets, yard sales, auctions, and thrift stores and find great deals on vintage pipes.

Your key to success is education. You have to know what you are looking for. Like any type of collectible item, the most important thing to look for is (1) maker’s name, (2) rarity, (3) age, and (4) condition. We will cover each of these in more detail below:

1) Maker’s Name: Some of the more popular tobacco pipe manufacturers include Dunhill, Anne Julie, Teddy Knudsen, Tiffany and more. You also want to keep any eye open for meerschaum pipes. Typically, pipes made by an individual are more desirable than pipes that are mass produced.

2) Rarity: Obviously, the rare pipes are worth more than the common pipes.

3) Age: Typically, older pipes are worth more than newer pipes. There are a few exceptions to this rule, but this is the norm.

4) Condition: Condition is everything. People want the oldest, best and rarest, and they want it in mint condition.

If you are just getting started buying and selling pipes, the best thing you can do is visit your local libarary or bookstore, and get a few reference books. This will help you familiarize with the different types and makes of pipes. Another good option is to visit eBay and search the completed listings to find out which pipes bring the most money.

You will be pleasantly surprised to find that some pipes sell for several thousand dollars or more. And many other vintage pipes sell for several hundred dollars.

Once you’ve reviewed your reference books and eBay, you should start visiting local auctions, yard sales and flea markets and search for pipes. If you see a pipe that catches your eye, check it out.

My general rule of thumb is I never spend more than $5-$10 for a pipe that I don’t know it’s value. When I evaluate a pipe, I use the four criteria mentioned above. Typically, I trust my intuition. If I think a pipe has good potential, I buy it.

In conclusion, buying and selling pipes is a great way to make some extra money. You can get started by studying the different types of pipes and pipe makers. Once you learn the ropes, you can visit flea markets, yard sales and auctions and search for treasure. You will be surprised at what you can find.

To learn more about buying and selling vintage estate pipes visit our Treasure Hunter Community website.

Become a Successful Entrepreneur in Your Own Home Wellness Business

The possibility of thriving in a business enterprise seems like a distant dream to many people. This happens because most people are not knowledgeable about entrepreneur success and business. A home wellness business could be the answer.

Most men and women have been taught to be satisfied with working for someone else, which is quite different from being a business owner. Regardless, with simple change in your thinking, the transition from being an employee to entrepreneur can be freeing and even fun. To begin, you have to learn what it takes to be a healthy, happy entrepreneur.

4 Qualities of a Healthy, Happy Entrepreneur

1. Creative and Inventive: You probably haven’t thought of having your own business as a creative opportunity, but it is just that. Enterprising men and women enjoy discovering new opportunities and achieving awesome results.

2. Prosperity Thinking: Having a positive focus and realizing that miracles can happen are qualities of enterprising people that raise them to unimaginable levels of success. Knowing you are on the road to success provides impetus that affects your work ethic and all the people around you.

3. Appreciate Others: Entrepreneurs understand that they succeed because of the people around them, from coming together and helping each other. The joy that comes from interacting, sharing, and assisting others is among life’s greatest gifts.

4. Taking Action: Persistent action is one of the most important keys for succeeding in any enterprise. One key here is to act now. While most people wait for the perfect time to start, effective entrepreneurs recognize that the time is now.

And if you enjoy what you are doing, it’s fun to do what it takes to make it a success. Enterprising people enjoy being members of a dynamic team that’s determined to reach higher reaches of potential and accomplishment.

The idea of working together to achieve a common goal is a time-tested key to success in business and in life. Napoleon Hill taught about the power of the mastermind that’s activated when individuals come together to reach their goals. This approach is as relevant now as it ever was.

With the development of the internet and social media, growing numbers of people are recognizing the importance of cooperation. When you put together all four of these entrepreneur traits, magic happens. They form a sturdy foundation upon which to build your goal of having your own home wellness business.

Paul Zane Pilzner, who was the economist to two presidents, calls the combination of direct selling and the wellness industry the perfect storm of opportunity for our economy. And this rapidly growing industry is effective in any economy. This is also an industry where you can create a home business on your own schedule, with tremendous wealth potential.

Private Banking Jobs Advantages Of Working In A Private Bank

In India, there are basically two types of banks-public and private. It is true that public banks come with their own share of merits. For instance, there are higher openings in public banks and the job is much more secure. The process of recruitment is also simple and not much challenging. Plus, it certainly gives the backward community a chance to gain recognition and status. However, private banking jobs come with their own set of advantages. More and more people these days are looking for jobs in a private bank. This is truer for the urban class and the educated community who are showing preference to jobs in private sector over jobs in public sector.

Here are some of the basic advantages that a private bank offers:
Better salary: The modern man is running after money. And its an undeniable fact that a private bank offers its employees a much better salary than a public bank. This is the chief reason why more and more people are hunting for jobs in private banks. In contrast, even though public banks give higher security, the salary is much lower. On the downside, there are very few vacancies in private banks. So, once you get a chance to sit for an exam or appear for an interview, you need to grab the opportunity with both hands and make sure that you are thoroughly prepared. Remember that more than your qualification, it is your confidence level and personality that matters.

Higher growth prospect: One of the chief complaints of people working in public banks is that they do not climb the ladder very fast. The growth prospect in a public bank is comparatively lower. On the other hand, in a private bank, a talented candidate can quickly make higher progress. Talent surely gets rewarded when you are working in a private bank. Higher wages and better positions await you there.

Fair treatment to all: Private banking jobs also do not suffer from the problem of quota system. Fair treatment and equal opportunity are proffered to every candidate. Thus, talent scores over caste distinction and this is where better candidates do not have to return disappointed.

How To Use Authenticators To Solve Online Banking Security

There is still skepticism of online banking because of security and the skepticism is legitimate. Some banks have failed to keep their customer information safe. There are instances where massive debit card numbers have been stolen making one wonder how secure the online banking really is. There are also issues of key-loggers and malicious software that literally steal the information you type into your computer making it easy to break into your account and do things with your money that you never approved of. However, there is a technology that could help solve most of these issues on the user side.

There is a device called an authenticator that could be an extra layer of protection for the customer. How this works is when logging into the bank account the customer would need their login, their password, and the number from the authenticator device. This small device that can go on a keychain has a button pressed to give a number. That number is only valid for a minute. That becomes like the second password in order to log in. After a minute that number is never valid again.

This means that if someone wants to log into your account they have to literally steal this device from you and know your name and password to that account. This gives you physical control over access to your online account. If this is utilized by you, then it gives your banking account just one extra step of protection that you will need. Then spyware and key-loggers, even if getting part of the login, won’t be able to get into your account since you hold the physical piece.

The costs of these devices are fairly cheap most of the time coming well under $15 to the end user. If you want to bank online but are still skeptical of security, shop around for a bank that is serious about customer safety and offer authenticators for online banking.

Icici Bank Sells Terminals Of Card Payment

ICICI Bank has concluded the sale of its network of electronic point of sales (PoS) terminals that accept Credit Card and Debit Card payments to First Data Corporation (FDC). The bank has hived off its network of over 1.5 lakh electronic swipe machines to a separate company ICICI Merchant Services. First Data has bought an 81% stake in the company which has been valued at a little over $90 million.

When contacted, ICICI Bank refused to comment on the transaction. The bank has, however, communicated to merchants having ICICI Bank terminals that the PoS network has been transferred to ICICI Merchant Services. First Data, along with partner banks, is keen to proliferate payment transactions not just at top retailers but also through small cities or towns in India, said Amrish Rau, country manager, First Data Corporation.

Referring to the transaction with ICICI Bank, Mr Rau said an announcement would be made in due course. Mr Rau, who represents First Data in the country, is likely to head the new payments company. First Data is a US-based company that has been created after banks farmed out their back office processing systems into a separate company. FDC is presently owned by private equity giant KKR.

The Reserve Bank of India has already given clearance for the deal. According to banking sources, the deal value has gone up after RBI said that merchant establishments, including grocery stores and supermarkets, could swipe customer cards and offer them cash.

In addition to unlocking value, ICICI Bank expects that the specialised company will bring down transactions costs and also grow the payment network more efficiently. This is the first time that an Indian bank has hived off its PoS terminal network.

So far it has been foreign banks that have outsourced these functions but their network is of much smaller scale.

ICICI Merchant Services will earn a fee every time a credit cards or debit cards transaction is processed through the point of sale network. The fee is usually borne by the merchant and a large part of it goes to the card issuing bank. This is in lieu of the credit that the issuing bank extends to the cardholder until the end of the billing cycle. A smaller part of the commission goes to the bank owning the PoS terminal (acquiring bank) and smaller portion to the payment company Mastercard or Visa.

Incidentally, State Bank of India has for some time expressed its intention to set up a network of half a million point of sales terminals. To build this network the bank had earlier sought partners. However, the project was shelved as the bank decided to take a more holistic approach of its payments business.

Cult Wines Ltd – best place for fine wine investment

People are always looking for some new investment sector as per their risk appetite. Yeah many times wrong investment can burn all hard work into ash. So, after having a big recession and still Europe economic crisis on the go one always look for safe investment. In last decade one sector has outperformed in an all recession and it is wine investment and fine wine investment.

Before doing any investment there is certain thing which is very important to take care to be safe and secure. One must have to identify some risk factors and all. So first step is to decide on which sector you want to invest then how much amount, and would you like e o one amount or you want systematic investment plan.

Timing of investment is also plays a big role in high return on investment. The most important point is that when you are investing, the time is very important; its totally depending upon current market condition. If you have analysis of market condition you would opt for wine investment. Look at the statistics for wine investment In UK, before a decade, fine wine portfolio was around 10000 and after decade it is almost 50000.

Wine investment will not have adverse effect if any economic crisis happens globally. As we can see in last recession wine investment standout and gave high return. So one can easily say wine investment can give return even in recession. In last 10 years wine investment has given 900% return which is really impressive and attractive.

Cult wines Ltd is the leader where you can get the rarest wines at very competitive rate and if anyone wants to go to the most safe and secure investment than will preference go to the Cult Wines Ltd also Cult Wines Ltd provides solutions for sourcing, investing, storing, selling and consuming Fine Wine of any kind to the investors or for any type of businessman. Cult Wines Ltd provides the fined tuned portfolio mainly designed for high capital growth and accounts and regulated mostly at warehouses. Cult Wines Ltd mainly deals with active foreign and domestic holdings and if any beginner wants to invest in the market than no safe investment except in wines and Cult Wines Ltd where you will get higher returns on investments and also provides the portfolio management services.

So far by this information I hope one can easily take decision for wine investment and Cult wines ltd can help you to build right wine portfolio.

Banker Cover Letter Sample for Banking Job

Whenever we want to apply for any job or want to switch from one job to the other, the first thing that comes to our mind is a well-drafted cover letter and a resume. Even if you have a professional and well-planned resume, it is of no use without a cover letter. A cover letter provides a professional approach while applying for any job opening in banking sector. For example, if you want to apply for job in the banking sector, you need to draft a professional cover letter for banking jobs. A banker cover letter sample for banking jobs highlight the essential aspects of your resume in a precise and clear manner.

There are certain cover letter tips that you need to follow before drafting a banking cover letter, such as your cover letter should carry relevant information and should match the information with the enclosed resume. The cover letter should follow a professional format i.e. it should have the same font-name and font-size throughout the cover letter. The cover letter should be divided into sections, highlighting the objective and your credentials in a positive manner. Make sure that the cover letter should be error free i.e. there should not be any spelling mistake and the sentence construction should be perfect. And, finally proofread the cover letter at least twice or thrice before sending it to the recruiter.

A cover letter for banking jobs is basically divided into 3 sections: The first section deals with the aim or objective for drafting the cover letter. Do mention the reference or source from where you came to know about the job vacancy and also include the job code and designation for which you are applying.

The second section includes your educational qualifications, professional summary, important duties and responsibilities that you undertook in your the current and previous bank, extra-curricular activities, achievements, and hobbies. This is also known as informatory section; therefore do remember to include your contact details correctly, so that the employer can contact you for further discussions.

The third and last section includes salutations to the employer for their valuable time that they put in going through the cover letter. Use ‘dear’, ‘sincerely’, ‘faithfully’ in this section to show regards to the employer and compel them to schedule an interview round with them. Make sure that you have attached the essential documents with the resume along with the cover letter.

The above information will help you in drafting a well-planned cover letter for banking jobs. You can also refer to free sample cover letter examples for banking jobs on different websites, as it will provide you with a clear picture of how to draft banking cover letters.

Blogging to the Bank 3.0 Honest Review

Blogging has been around for a few years now. Most people use blogs to record their thoughts and lives, while the select few use them as a free way to make a fortune. One guy who uses this to his advantage is Rob Benwell. In 2006 he dished the dirt on the tips and tricks to making a fortune using blogging. But as time passes the old systems become obsolete and new techniques are required. This is where his brand new, fresh off the press Blogging to the Bank 3.0 system comes into play.

For those who know who Rob Benwell like me, you’ve probably made a killing using blogs.

For those who don’t, here’s the story:

Back in 2005 he was struggling to make any profit online, had dropped out of college and was getting deep into debt. He was trying all the techniques the gurus tell you and wasn’t getting anywhere fast. All of that went in the bin and he started using his own techniques and started making more and more money using simple blogs. In early 2006 he shared this with the world and had a great ebook called blogging to the bank. Tons of people got rich from using these techniques (including me). He then spoke at Online Marketing Legend Yanik Silver’s underground Seminar where he revealed even more of his underground strategies. Then July 2007 he released Blogging to the Bank 2.0 which showed users his new methods to creating online wealth using blogs. In total both versions have been read by over 50,000 people across the world. But as I said earlier, the techniques used in these ebooks are now showing there age. Some of them are not even working in the slightest! This is where blogging to the bank 3.0 comes into play.

It’s full of great new techniques that work online right now! Everything’s explained in plain English with all the fluff cut out. I got hold of an advanced copy of the book for a much higher price than what it actually sells for and it has been worth every single cent! I got it in the afternoon and by the evening I was creating new profitable blogs. Within a couple of hours of them being active I had made a nice little profit. Blogging To The Bank 3.0 teaches you Robs new step by step blueprint to creating highly profitable long term niche blogs using the newest optimization techniques. There’s even a section on advanced Search Engine Optimization. Most people think SEO is difficult but Rob explains this nice and simply so even the blogging newbie will understand it. Blogging To The Bank 3.0 is a breath of fresh air and I highly recommend it to anyone wanting to make easy money online. Click below for more information about this system

Finance A Franchise For Subway

When it comes to buy a Subway Franchise, the first think which clicks in the mind is that how you will go to finance it?. Buying a Franchise or coming in the food chain business involves various things like setting up the restaurant, arranging for the shop fitters to fit out the shop accordingly, kitting it out with all the required catering equipment, fitting all the tables and chairs, and many more. That is the reason people usually look for a financer before buying a Subway Franchise. By having a handsome amount in their hand theyll be able to effectively budget their monthly outgoings through a monthly finance package to operate their business immediately with all the equipment they need.

Own a Subway Franchise only by going through the process of financing, as by doing this you are keeping your available capital in the bank, leaving it available for other important business expenditures. It will provide you liquid flow of cash to run the day-to-day business activities. You cant imagine how easily youll get back your return on investment easier by opting to tailored franchise finance package. It will benefit you by lending maximum money to your bank account each month on your lease agreement.

No one can deny the popularity of Subway, not because their unique chain of restaurants but for the quality they provide with mouth watering sandwiches. There is hardly any need to mention that their high profile advertising campaigns and their ongoing popularity and excellent menus are certainly attracting potential franchisees from all over the world. They all want to open their own Subway franchise and want to take a part in the active race to success. If you think about it you almost get it, enormous flexible finance packages on the market are available. It allows you to build in the franchise fee with all useful equipment that goes into the Subway restaurant.

Fulfill your desire to owe a business related of fast food industry by buying a subway franchise. This is the only platform where food have both moderate as well as healthy flavor

The Most Popular Job Roles In Finance

There is a plethora of jobs in the finance industry. Many finance jobs are centered around several primary professions such as commercial banking and investment banking. Naturally the most common jobs fall within those two categories. Currently, the more popular of the two is investment banking. Consequently, the most popular job roles in finance are positions in the investment banking arena.

Industry coverage is a large area covered by investment bankers who specialize in product groups such as utilities, aerospace, real estate, etc. This group has a group of senior bankers called Managing Directors which are backed by Directors, Vice Presidents and Associates. The managing director will help strategize the next move for the group as it grows and the team usually recruits new graduates into this group quite aggressively.

Corporate finance is an area with the primary function of raising money for corporate ventures. As an analyst in this group, you would be responsible for preparing registrations and attend road shows where investors are sold securities. Debt Capital Markets or Equity Capital Markets originate new issues of bonds or securities. They advise about the best time to issue these new debts or equities. Mergers and Acquisitions is yet another department which is under investment banking. Mergers and acquisitions generate fee income for investment banks. The bank sets up the acquisition even under market conditions that would make the acquisition unfavorable through creative methods that benefit all parties and the bank gets paid handsomely for their effort.

Project Finance help fund the infrastructure of a government or oil capital project, generally funneling funds from one foreign country to another when other options for borrowing have dried up. Trading is a job with which most of us are familiar. It is sales of securities on the stock market floor or from an office. Structured finance, derivatives, advisory, equity and fixed income research and international sales and emerging markets are other jobs that can be performed in investment banking.

Public finance, retail brokerage or stockbroker, institutional sales and ratings analyst are the remaining positions in investment banking. Many of these jobs are more glamorous than the others, but they all pay well. The most popular job roles in finance include any position in investment banking which comes with a hefty salary and many also pay bonuses. Commission often accompanies any position that generates sales to compensate for performance. Ratings analysts command an average annual salary of 68,000 with an average of 5,000 in bonuses. An exceptional employee should expect a higher salary. A managing director in Industry Coverage can command a salary of 130,000 to 220,000 annually. The job you pursue in Investment Banking will be your personal choice. Your compensation will be excellent and hopefully, you will find a home based on your talent and interests.

Unit Trusts And Open Ended Investment Companies Collective Investments

Unit Trusts and Open Ended Investment Companies Collective Investments

Unit trusts and Open Ended Investment Companies (OEICs) are types of collective investments. In a collective investment, each individual investment is pooled with every other individual investment and then invested as a whole by the manager of the investment.

Different unit trust and OEIC funds invest in different asset classes – shares, bonds, cash and property. Some funds focus on just one asset class, while others invest in two or more. Irrespective of the asset class or classes they invest in, most fund managers will hold a wide spread of investments in their chosen asset class. That is one of the reasons why unit trusts and OEICs are popular with investors spreading investments across a range of businesses can help reduce a funds volatility and the risks for its investors.

Although unit trusts and OEICs are both open-ended investments, where the size of the fund varies according to market supply and demand, there are a number of key differences between the two types of funds.

Investors in unit trusts buy and sell a portion of the total fund in the form of units. The price unit holders initially pay for units (the bid price) is higher than the price they can sell the units for (the offer price): the difference between the two prices is known as the spread. In order for unit holders to make a return on their investment, the closing bid price must always be higher than the opening offer price. An OEIC fund on the other hand, does not trade in units but issues shares to its investors and is therefore an investment company – a less complex entity than a unit trust. Shares in an OEIC have a single price, which is determined by the value of the fund’s underlying investments. All shares in an OEIC are bought and sold at one single price, so theres no bid/offer spread to take into account.

The value of an investment in a unit trust or OEIC will vary according to the total value of the fund, which is determined by the performance of the investments the fund manager makes. Unit trusts and OEICs usually impose an up-front charge and annual management fees, some of which are declared as a percentage of the investment, while others are built into the price.

What makes an investment ethical

People want their money to work hard to deliver the best possible return on their stake. There are many ways that people can grow their money, from traditional savings and ISA accounts to more diverse investments such as commodities.

Current times are quite challenging in terms of what investments actually do provide a decent return on customers monies, and many people are turning to ethical investment opportunities.

What is an ethical investment?

An ethical (also known as Sustainable) investment is an investment that not only offers a good return on the clients money but also helps the planet. This is done by investing in commodities such as timber, where plantations are created and harvested over a designated period of time. These opportunities often come with social and environmental objectives. They can provide jobs to communities whilst creating sustainable fuels and forestry for years to come.

Why should you chose an ethical investment?

Investing money is all about getting a return at any cost. Ethical opportunities are different in that respect. Ultimately the end goal is getting a return on investment, but alongside this investment you know that the money is being put to good use in both a socially and environmentally responsible way. By choosing an ethical investment you can be sure that your money will be put to use in a way that will also help the environment both now and the foreseeable future.

What are the risk of ethical investments?

There are always risks in any investment and ethical opportunities are no different, however they do tend to often perform well under poor market conditions. It is important to note, however, that an ethical opportunity might have a higher risk profile than other investment opportunities where a companies activities are more mainstream.

What types of ethical investments are available?

There are many different types of sustainable opportunities available to people who are serious about socially responsible investments. These can range from Forestry and Farming to alternative energy sources and eco-housing.

Before you embark on any type of investment, be it ethical or not, you should always seek guidance and where possible have a look at how the market has been performing over a period of time. Sustainable investments can offer a very high return on your investment, but as with any investment there is an element of risk involved. In some cases the element of risk may be higher in an ethical investment than in a non-ethical option so you should always research the market prior to departing with your hard earned cash. You should only ever invest what you can afford to potentially lose.

Sustainable investments can provide you with a high return on your money, whilst also helping to build a sustainable planet.