The Environmental Benefits of Forestry Investments

Among the many advantages of investing in forests are the environmental benefits of forestry investments. Forests provide wood and timber for construction. The use of these products in building makes for a greener building environment. Many advocates of a greener environment claim that the use of wood should be increased in building and energy design.

There are many other substantial environmental benefits of forestry investments. Using more wood and timber for construction and other purposes is an incentive for private landowners to maintain those lands on which their forests reside. Also, for others to consider purchasing forests for the derivation of income and to hedge inflation. The maintenance of these forests also requires personnel. That makes them great source of employment for those in the more rural parts of any country.

Investments in forests can have advantages for both the forests themselves as well as for their resulting products. Forests that are sustained and maintained on a regular basis produce trees that are stronger and healthier. The trees can actually take in the carbon and greenhouse gases in order to clean the air and purify drinking water that is consumed by the wildlife in the forests and in the general population. The wood products that are made possible by the harvested trees can also be very valuable in green building construction that also benefits the environment by using less energy or alternative energy sources.

There have been several studies regarding the environmental benefits of forestry investments and the use of wood and timber in green building construction. They all point out that the harvesting, transporting and manufacturing of wood and its subsequent use in paneling products and other building materials produces fewer carbon emissions and greenhouse gases than the extraction, manufacture and use of other materials that are commonly used in building and construction.

There are other environmental benefits of forestry investments that go beyond providing cleaner air and cleaner water. Investing in forests can become an essential part of the infrastructure of any nation by providing jobs and a source of capital investment. With the variability in the financial gains that can come from investing in stocks, bonds, gold and other assets, investments in forests can provide income over a long period of time with annual harvesting and a record of increasing in value over the last century.

By advancing research in the use of wood in green building construction, there are even greater environmental benefits of forestry investments that can be attained. Several new products have been the result of research that has helped to reduce costs in the maintenance of forests. One of these is cross laminated timber. This technology uses trees with small diameters and low value and trees that have been killed by insects and disease to be combined with solid wood and manufactured into structural panels. Such technologies reduce the costs for treating forests that are in need of ecological restoration and can subsequently increase profits.

Investing in forests has benefits that are not only good for the environment and the person investing in them but for the overall economy and general infra-structure of any nation.

Posted in Investment | Tagged | Comments Off on The Environmental Benefits of Forestry Investments

Vintage Car Insurance – How to Find the Best Rates

If you have a vintage car then it probably cost you a lot of money. Most people who buy vintage or classic cars do so not only because they like them, but because they see the vehicle as an investment. Once you have spent thousands, if not hundreds of thousands of thousands of dollars on a vintage car, you need to be sure that you have the right kind of insurance policy.

When you are shopping for car insurance you’ll find that the type of insurance you need will be different to that for ordinary cars. Once you start looking you should try and find an insurance company that specializes in insuring vintage cars. Vintage cars require specialist coverage. The type of coverage you will need will depend very much on how your car is used. You will need a different kind of premium if the car is only driven to specialist shows and exhibitions, than you would if you drove your vintage car like a regular vehicle.

Providing you take the time to look for the right kind of policy for your car, then it is possible to save money on car insurance. You should not insure a classic or vintage car under a standard insurance policy. If you have bought your car as an investment piece then you don’t want to be driving it around in the same way that you would an ordinary car.

There are guidelines for insuring different types of vehicles and you should be familiar with these before you insure your car. If you want an insurer to give you a good quote for your vintage car then you need to have been driving for at least five years as insurance companies want to protect your asset as much as you do. Providing you are twenty five or older it should be easy to find insurance for your vintage car as insurance companies will look on you as less of an insurance risk than a younger driver.

When you insure a car, insurers will want to assess both your security and your driving skills before they will allow you to take out a speciality premium. You should have a car that is old enough to be considered a vintage vehicle and this standard will depend on the company that you buy your insurance from.

Some insurance companies will only give vintage status to cars that are nineteen seventies vintage or older. You should know that policies will differ depending on the age of your car. Another thing that insurers will take into consideration is whether you have an insurance policy of an ordinary car before they grant you a special policy.

If you do tend to drive a vintage car on a daily basis then insurance companies may regard that car as too much of a risk, as the more a car is driven the sooner it is likely to deteriorate and decrease in value. Insurance companies offer special premiums based on the actual cash value (ACV) of your car, the stated value (SV) and the agreed value (AV) of the vehicle.

When you give the insurance company a value for your car they will pay it but they cannot insure you for the stated value. Most vintage car owners get their insurance on the basis of an agreed value of the car. This means that they will agree with you a value for your car and take into consideration your investment and any maintenance, and then they will give you a policy for that value.

Posted in Insurance | Tagged | Comments Off on Vintage Car Insurance – How to Find the Best Rates

Student Accounts – Helping Students Manage Their Own Finances

One of the biggest responsibilities associated with going off to university has to do with finance management – particularly if a student plans to live away from home. And, while many first and second-year university students might live in university housing – which usually means their yearly rent is sorted before their term begins – these students often have to deal with other costs on their own, such as food shopping, books, study supplies and, of course, trips to the pub.

Older university students, however, will often have to manage their own rent, bills, utility costs, and other expenses. So it’s important for students to get a handle on finances and finance management early on in their university careers.

One of the best ways to introduce a student into the world of finance management is to have them open their own bank account. A lot of responsibility comes with a bank account, as does a great deal of financial freedom. For instance, students can gain practice in keeping track of their finances – which is an important skill to have. They’ll also experience the conveniences of banking – for instance, through 24-hour cash machine withdrawals – as well as rewards for saving money – such as through accrued interest on certain types of accounts.

Moreover, if they happen to have an overdraft on an account, they’ll quickly learn the consequences of overspending – such as through deducted interest. Simply put, a bank account is a great way for students to learn about managing their own finances.

Most banks today offer special accounts designed for students. Some might be geared for students already in university, while others are designed for students preparing to go to university. There are even accounts out there dedicated to graduate students, as there are for students under a certain age.

Each type of account caters to a specific type of student, usually offering special discounts, benefits, overdrafts and more. And student accounts usually offer special interest rates, if any at all. So, no matter what year a student is in at university, or how old they are, they can take advantage of a range of benefits that come with student accounts.

Whether you’re a student yourself, or a parent with a student, consider a student account – it’s one of the smarter moves you or your student can make with regard to gaining financial responsibility.

Posted in Finance | Tagged | Comments Off on Student Accounts – Helping Students Manage Their Own Finances

Properly Handling Business Growth

Achieving business growth can be found at the top of the list of most businesses, however business growth can also backfire and get your business into trouble if the necessary preparation is lacking in your organization. Although it can hard to anticipate growth, it is crucial that quick steps are taken to address and accommodate the growth within your business. The most common responses to business growth will require you to increase your real estate space, hire additional employees, purchase additional equipment, or raise additional funding.

The best practice to handle business growth should be clearly outlined in your strategic plan, and should be continuously updated as your business evolves. You may already know of a company that has experienced issues because they grew too fast, and lacked the proper planning to cope.

Here are possible examples of what can occur and possible solutions:

  • Business growth required you to purchase costly equipment, however due to poor cash flow, and lack of cash reserves you were not able to acquire new equipment, and further failed to service the additional work. What do you do? Not being able to service a new contract can have penalties involved, not to mention that it will also diminish your reputation. Having cash flow issues may be inherent in your industry, however having a good relationship with a banking institution or investor will help keep your business in tact. A line of credit with a sufficient amount is always recommended to get you out of a jam.

  • Business growth required additional employees, however you did not plan ahead of time, and therefore created a strain in your current workforce. As a result you will incur additional cost in overtime pay, lowering your profit margin, as well as run the risk of mistakes that can be made due to overworking current workforce, and in the process running the risk of jeopardizing the quality of your service. Having a labor planning process in place will help you determine the amount of employees required, as well as what additional staffing will need to be added to handle additional business growth.

Regardless of the industry, every business can be faced with the two examples given above. Plan till it hurts, because being in business will give rise to multiple challenges that you have to maneuver through in order to come out a winner. Business growth does not always mean more profit to the bottom line in that the opposite is just as likely to occur. It may require you to increase your administrative staff, compliance, training, and facilities, which all translated into additional cost. However, planning and taking calculated steps should keep your business in good shape, as well as help you determine what is considered health growth for your particular business.

Posted in Business | Tagged | Comments Off on Properly Handling Business Growth