Energy efficiency won’t just help save the environment – it can also aid your business.

Not only can it help change any wasteful attitudes of employees but it can also have tangible benefits on the profit margin of your company.

And it has never been more important to save money. The last few years of economic uncertainty has left countless businesses in Britain and around the world struggling to survive – but the evidence is there that energy efficiency can help achieve this. For example, Volvo’s New River Valley Plant in Virginia, the world’s largest truck manufacturer, invested around £550,000 in saving energy prior to the recession and has now saved £1.31 million on their bills and avoided having to fire any staff.

Whether you are adopting an nPower business plan to reduce costs or are simply looking to do your bit for the environment, read on to find out why investing in energy efficiency is the right choice for your company.

No longer hostage to price rises

Like death and taxes, increases in energy prices are all but guaranteed in the future. However by improving your efficiency and thereby reducing your usage, you will help mitigate the damage of price hikes further down the line.

Eco-market is booming

A company can’t buy the kind of positive publicity green policies can drum up for your business. Taking action to reduce your carbon footprint will not only make your company appear socially responsible but could also attract investment from previously untapped markets.

Additionally, investing in energy efficiency can set you apart from the pack and help foster a sense of economy amongst your workforce.

Safe as houses

Investing in energy efficiency is one of the few times in life when you know roughly what benefits your money will generate for you. Unlike turbulent stock markets or frugal bank accounts, saving money through more effective energy use is simple maths. If you use less energy at the same rate then ultimately you will lower your monthly costs – a winning situation in anyone’s books.

More profits, more investments

Improved energy efficiency can help reduce the weight power costs can have on your company’s finances, ultimately allowing you to invest in growing your business rather than only paying your existing bills. This will not only help your competitiveness but could allow you to further invest in green technology, creating a self-fulfilling reduction in energy costs.

Incentivised

Replacing office equipment can drain valuable resources. Investing in more energy efficient technology, even if it is initially more expensive, will usually be worth it in the long term. Green technology is improving every year, with the Energy Star rating system (http://www.energystar.gov/) the simplest way to find the best equipment for you. Finally, energy efficient equipment is often more durable than existing office items, thereby helping to reduce maintenance and future purchase costs.

What have you done to make your business more energy efficient?

Mikael Johansen is a blogger and freelance writer working with a variety of brands. This post has been written for an energy supplier npower. 

Share to Explore !!

Facebook

Digg

Pinterest

Twitter

Reddit

Linkedin

StumbleUpon

Tumblr

Print

email

Yummly

Buffer

Being energy efficient is not only an environmentally conscious decision, it’s an economical one as well. With the cost of living continually on the rise and energy costs projected to increase throughout the years to come, watching home energy consumption is quickly becoming a high priority. If you are looking for ways to cut down on your next bill, check out these 5 top tips to save money on home energy costs.

Helpful Habits

The first step to making a significant saving on your energy bill is to change the way you use power in your home. Make it a strict household policy to turn off any lights that aren’t needed, switch off appliances after use and to check all power points are off before leaving the house. With a bit of planning, you can make a difference to your energy costs simply by being more conscientious.

Solar Savings

When it comes to cutting home energy costs, solar power is undoubtedly one of the best long term investments you can make. Thanks to recent Government rebates, many homes are now equipped with the latest in solar technology, and the results are impressive. Harnessing the natural energy of the sun slices your power bill while making a significant positive environmental change.

Energy Efficient Fittings

There are a range of small changes you can make to your home to ensure the best energy efficiency. Try equipping all of your light fittings with specially designed energy saving bulbs for brighter illumination and over half the usage of traditional bulbs. Another great way to cut energy costs is to install timer plugs which only switch on when you need them to. Simply program the set times into the switch, and it will only use energy during these specific times.

Smart Appliances

When it comes time to replace your old appliances, make sure you look for new models which display high energy efficiency ratings. Everything from your washing machine and dryer to fridge and dishwasher can all make a significant difference when they are designed to use energy sparingly and effectively. You’d be surprised just how much of a saving smart appliances can make to your long term energy costs.

Getting Out of Trouble

Sometimes despite all of your best efforts, you might find yourself hit with an exorbitant energy bill that is just too much to pay. Your first step should be to consult your energy provider to try and work through a payment plan that will allow you to make regular repayments until the amount is paid in full. However if this approach is not successful, or if you have already fallen behind in your payments, it’s time to enlist professional help.

Fox Symes debt solutions are one of the leading providers of advice and support to Australians that are struggling with debt. They will not only help you to get back on track, but they can also negotiate with your creditors on your behalf. Don’t let the stress of an unpaid energy bill turn into a seriously damaging debt problem.

With these top tips, you can be well on your way to cutting your energy costs and living a more economical and environmentally friendly lifestyle.

Sharon has recently been looking for ways to get her finances under control by saving energy around the home. She also enlisted the help of Fox Symes debt solutions in order to get on top of her finances and recommends that other people looking to save money to do the same. 

Share to Explore !!

Facebook

Digg

Pinterest

Twitter

Reddit

Linkedin

StumbleUpon

Tumblr

Print

email

Yummly

Buffer

The 401k loan is being availed by a lot of moderate income people. Basically, availing this loan is the loan from your own account. The retirement balance provides the grants of the 401k loan. Making a home is dream of everyone. And people seek money when they need to build up their own home. Nevertheless, a lot of mortgage solutions are available in the market.

But, those might not be affordable to many for the high rate and non comfortable terms. Nevertheless, the 401k solutions can be very comfortable in these matters. So, you can easily get to pick the 401k loan as mortgage solution. Here you get to know the detailed discussion in this regard.

401k loan as mortgage solution:

You can easily get the 401k loan as mortgage solution. Here you get the issues which can convince you to get the loan as mortgage solution. Here you get those issues which are too much convincing to avail a 401k mortgage solution. This new service offering $2500 Bad Credit Personal Loans for Borrower in Financial Trouble -PRNewswire-iReach for getting approved for mortgage loan.

Low rate:

The best part of the 401k financial solution is that it offers the borrowers with very low rate and that is the reason it is easily affordable in all respect. The 401k financial solution offers the borrowers with an interest rate of only 1% and this is certainly a very low rate solution. If the comparison goes with the other home loans available in the market, those will tend to get higher.

So, you can grant this financial solution as a favorable one when you need a mortgage loan. Having such a low rate loan might not be a possible idea with the traditional loans. So, you can easily depend on this solution.

Long term:

Another good part of the 401k loan is that it offers the borrowers with long term solution. The best part of the long term loans is that it offers the borrowers with easy loan rate. And from that point of view, you can easily manage to afford the debt. Though long term debts are a bit troubling, it is manageable if you can get to be a bit smart. So, you can certainly pick the long term financial solution with the 401k grant program and use it as a mortgage solution.

Easy repayment system:

The repayment system of the 401k loan is very easy. In fact, you can not avail a shorter amount of loan from this source. So, for a mortgage solution, you can grant this program as a perfect one. Also, you will not need to take a lot of tension about the debt repayment.

Nor, you will need to take the hassle of distributing the money. The debt repayment installments will automatically get deducted from the account of your salary and thus you can easily get the payment done. You will get a salary paycheck with the deducted amount.

So, in all respect, you can treat the 401k loan as a better mortgage solution and certainly you will find it as most favorable that the traditional mortgage solutions. Click here for more information.

Share to Explore !!

Facebook

Digg

Pinterest

Twitter

Reddit

Linkedin

StumbleUpon

Tumblr

Print

email

Yummly

Buffer

Diamonds are forever. We’ve all heard that statement before about these precious gems but now they are starting to be perceived in a much different manner: Growing wealth.

When most people think of investments, they usually think of the usual assets such as real estate, stocks, bonds and even gold. But for the first time, an exchange-traded fund (ETF) was debuted by PureFunds that focuses solely on diamonds and gemstones.

More diamond based funds are currently in the works, and it was only a matter of time. In October of last year, the U.S. consumer price index (CPI) marked a 12 percent year on year increase making a record high of 182.6 points.

These are definitely strong indicators of the value of investing in diamonds and gemstones with the trend likely to continue. However, as with all investments there, are risks involved. The following are three things that you should know before considering a diamond investment.

1. Educate yourself about the basics

Not all diamonds are created equal. Prices vary based on a number of factors including quality, color and cut. Before investing, there are certain requirements that need to be met first. The first is being aware of resale liquidity and having your investment confirmed by a specialist.

Establishing relationships with a diamond specialist will also help to give you access to dealer prices and will keep you involved in the entire process.

2. Invest in certain types of diamonds

It’s important to make investments that make the most sense for you.  Having a budget and doing some research can help you decide how much money you would like to invest, and where you would to invest it.  Never go into investing without a plan or without being knowledgeable about what you’re investing in.

Initial investments can start with those as recommended by the Rapaport Group: 1.01 to 1.49 carats, D-H color, IF-VS2 clarity and with Excellent cuts. These are simply guidelines as your investment objectives will vary.

3. Keep yourself protected

All diamond investments need to be thoroughly inspected for its quality and to ensure that you are getting what you are paying for. The Gemological Institute of America (GIA) is an authority for grading gems and includes detailed reports of all characteristics of the diamond including its color, clarity, cut and carat weight.

It’s important that your diamonds are always graded by the GIA. These measures ensure the quality of your investment. If you are serious about diversifying your investments with diamonds, be prepared to do your due diligence. You should always be 100% certain of what you are investing in.

Chuck Stevens is an avid blogger always looking to share his experiences and recommendations. He has been a financial advisor for over 10 years. You can follow him on Twitter @chuckstevens12.

Share to Explore !!

Facebook

Digg

Pinterest

Twitter

Reddit

Linkedin

StumbleUpon

Tumblr

Print

email

Yummly

Buffer

The fast cash online lenders or the payday lenders come in as soul savers if you are low on cash. The name has been derived from the procedure which is followed with regards to the loan processing. That is, the fast cash lenders do not check with your credit rating. That quickens the lending process and it becomes easier for you to obtain a loan, even if you have bad credit, you can obtain a loan unlike the ordinary ones. The ordinary loans require you to have good credit and a good credit score.

What are the fast cash loans?

The fast cash loans are also known as the no credit check loans and in some cases as the payday loans. That is mainly because these Bad Credit Personal Loans Up to $5000 Now Available | PRLog do not require you to have good credit. The lenders do not make any credit check when you apply for the same. In case of especially the payday loans, you are required to pay back the amount borrowed after the next payday.

These loans come in handy if you fall short of cash in the middle of a month. There are no specifications on the purpose for which you can use the loans. You can use it for any purpose and as per your requirement. However, the amounts available under these loans are not too large to cover all of your expenses at the same time. In that case, you may have to take out more than one loan, so as to manage all of the expenses.

How are these helpful?

How are the fast cash loans helpful? That is mainly because these are available without credit check. As a result, you can benefit in two main ways, and two types of people can benefit from the same. One category is that of the people who have bad credit and cannot obtain loan in the general way. The other category is that of the people who are in instant need of money. So, the fast cash loans can be obtained in case you have bad credit or if you are in an emergency.

For example, suppose that you had applied for a loan which would be used as payments against home improvement. However, you application was denied and the cause is bad credit. In such a situation, you can get loans or a bad credit loan. Another example is that of an emergency. Suppose that you require quite a large amount for a medical condition within a couple of days. In such a situation, obtaining a personal loan is going to take time but the processing of a fast cash loan is going to prove to be faster.

However, there are some facts which you should be aware of before obtaining a payday loan. One is, as the lenders are not aware of your credit rating, the interest rate charged is quite high. Second is, the loan amount available is not too large. Third, in case of missed payments or default, the interest rates can outgrow your expectations. Therefore, you should never apply for more than what is required and try to pay down the debt within the stipulated time. Click here for more information.

Share to Explore !!

Facebook

Digg

Pinterest

Twitter

Reddit

Linkedin

StumbleUpon

Tumblr

Print

email

Yummly

Buffer