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A very interesting company that came to my attention recently is Silva Tree. This is an organization that basically offers environmental investments. Recently, of course, we’ve seen just how dangerous investing in the wrong places can be and we are still recovering from the economic recession. Investing in stocks is very likely to be profitable in the long term, but they can be very volatile over the short term. And leaving your money sitting in investment accounts is obviously very safe but the amount of interest you’ll get isn’t going to be all that significant unless you have a lot of money sitting there. But with Silva Tree, it seems like you have the opportunity to not only make very high returns, but also do something very good for the environment at the same time. This proposition is very attractive to a lot of people (and I was definitely interested myself when I first found out about it), so let’s look into this in more detail.

According to Silva Tree’s website, their main investment project on offer right now (the timber investment plan) offers a guaranteed 15.1% return per annum over the course of 20 years. Making that kind of return with other investments, like the stock market, forex or real estate, is not easy. You may be thinking this is a little too good to be true and how exactly those returns are “guaranteed”. It’s simple. With the timber investment offered by Silva Tree, you are buying a large area of land that has an average of around 660 trees per hectare. Returns on your investment are made by harvesting the land and selling timber to a pre-arranged buyer. A purchase price of $275 for every cubed meter of timber is offered by World Paulownia LLC. The total return on a $32,500 investment in a plot over the course of 20 years is close to $150K.

Silva Tree has actually conducted several successful investment projects in the past. And the good thing is that they all help the environment or local community in some way. For example, their Carbon Offset Forestry Project (now sold out) operated by buying areas of Costa Rica rainforest in order to protect them from being destroyed. Not only does conserving forest reduce the impact of global warming (trees absorb CO2) but it preserves habitat and prevents certain rare species from becoming extinct. Another interesting investment was the Princess Project (now sold out) where 1,500 hectares of land were reforested with the Paulownia Elongata tree.

So it seems to me that if you have an environmental conscience and you want a safe, high return, long term investment, then Silva Tree is ideal. With the investment packages they offer you know you’ll be making a positive return year after year, and the same cannot be said for other investments like stocks, currencies or property. And you don’t need to be worried about the safety of your money either. Silva Tree is very highly regulated and is a member of the BBB as well as other organizations like Ethical Junction. Also, there are many members and investors of Silva Tree that have a history of producing results.

By: Ronald B Warren

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Creating a budget is the perfect way to make intelligent choices about your finances. It allows you to track your income, expenditures, and savings. The following article will tell you how create and manage a successful budget.

Step One: Track your expenditures.

Before you can even attempt to create a personal budget, you must know how much money you earn per month (monthly income) and know how much you spend per month (monthly expenditures). To start, collect your pay stub, bills, and receipts for a month. This will give you an accurate calculation. Instead of collecting bills and receipts for a month, you may use bills from previous months if you wish. The most important bills and receipts to collect are rent, utilities, groceries, and car maintenance. You should also have a good idea of how much you spend on clothes, books, movies, etc. Once you have collected everything, you may start calculating your current budget and then your personal budget.

Step Two: Calculate unavoidable expenses.

The next part is simple. Decide which of these expenses are necessary and which are discretionary. Add together the cost of the necessary expenses, and then subtract that number from your monthly income. For example, Janet is renting a studio apartment and earns $1,350 a month at her full-time job. Her rent is $400 per month. Groceries cost her $100 per month. Together, her car insurance and gas costs $300. Miscellaneous bills cost her $200. If she adds these costs together, she knows she must set aside $1,000 per month. This means that Janet has $350 per month for discretionary spending.

Step Three: Calculate discretionary spending.

Here is where the tricky part begins. Add together the cost of your discretionary spending. This category should see some major budgeting. Decide where you want to cut spending. Remember Janet? She has $350 per month for discretionary spending. She spends $50 per week on take-out. In order to save money, she wants to put away $200 per month. She decides to cut her take-out spending in half, so she can make her goal and have some emergency money left over. Learn that budgeting doesn’t mean cutting discretionary spending altogether. It only means to tone down the spending, so you may save. Once you have decided what and how much to cut, stick to your budget.

Here are a few tips on sticking to your budget.

-Review your budget a minimum of twice a month. This will help keep your goals insight.

-Be willing to make changes to your life. If you aren’t open to changing your spending habits and your life, you won’t stick to the budget.

-Make changes to your budget. If unexpected expenses pop up, don’t be discouraged. Adjust your budget to take care of the expenses and continue.

-Be realistic. Don’t expect to save every dime. Realistic goals will help make your budget successful.

Following a budget is difficult, but don’t beat yourself up. You won’t always know what to expect, but if you follow these steps to creating your budget, you will be prepared to weather whatever troubles pop up.

By: Matthew K Barnes

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One of the most asked question when it come to debt is “what is the best way to get out of debt?” Well, it definitely have something to do with drafting a bailout plan and stick to it (read: work). Certainly, if there’s anyway you can ‘cover’ high interest rate loans with lower ones, do take the plunge. Even when the amount is not much (considering the bad credit standing you have), you’ll save quite a bit from the switch.

Anyway, the proper way of dealing with debts is to come to terms on how much you actually owe. Ask anyone in debt about the amount they owe and you’ll find that most people rather not think about it. Sadly, that does not change the fact that the debt will continue to snowball unless you DO something. List out all your debts, like this:

Credit card 1: $3550 (37% interest – paying only minimum payment)
Credit card 2: $1720 (37% interest – paying only minimum payment)
Credit card 3: $800 (18% interest – current)
Personal loan: $23,750 (6.9% interest – two months overdue)
Car loan: $18,300 (6.5% interest – current)

Now you have a clearer picture of how much you owe, even though the very thought of it make you cringe. Next, decide how much you have left over every month after deducting basic expenses. It should look like something like this:

Salary: $3500
Rent: $900
Car: $400
Food $600
Petrol $400

So that’s a $1,200 leftover from what you’re making after deducting expenses. You’ll see that with such limited amount in your hand, there has to be a careful selection as to what gets paid first. Obviously, getting out of credit card debt is of the highest priority especially if you can only managed to pay minimum payment (credit card 1 & 2).

You’ll want to renegotiate your personal and car loan deal to stretch over a longer period of time with lower repayment every month to keep up. Assuming, after three months, you have successfully eliminate all the debts in credit card 2, while continue to pay minimum payment on card 1 and barely getting by with the rest of the debt. Here’s two things you need to do. Firstly, don’t start spending on card 2 again, thinking that it’s safe to do so now. Secondly, continue with paying $1,200 towards the next highest interest debt – card 1. Do not reduce the payback amount thinking that you have one less item to pay for. Don’t ever get too comfortable, give yourself a reward, or throw a celebration whatsoever – crawling out of debt takes patience and endurance

Even when you are done paying credit card 1 and 3, continue to pay $1,200 each month towards personal loan and your car loan to be debt-free in the fastest time. Since you are are used to living without the money, you’ll barely miss it. Surely, after you’ve paid your debts, continue to dump in money to accumulate some savings so you’ll never have to be in debt again.

It doesn’t always take a debt consolidation plan to repay debts, provided you have the courage and determination to do so. This plan will work for anyone with overwhelming amount of debt as long as new debts are not accumulated.

By: Steff X

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When was the last time you bought a faulty product? When was the last time received faulty and unfinished service by a business? Do you know of any cases where a company got sued because of faulty products and services? Those are a few questions that everyone can easily answer, because chances are it has happened to everyone at least once.

Businesses and corporations normally try to deliver the best products and services to consumers. However, in reality this doesn’t always happen. In fact, a business can very easily get into legal trouble because of faulty products and incomplete services. In this case, liability insurance takes over the task of handling any issue that arises.

Specifically, the insurance company will cover any damages (mainly in the economic form) that may appear because of a lawsuit that is filed against the business. Additionally, the insurance will cover all legal costs.

There are three main types of liability insurance. Although all three belong within the liability insurance bounds, each one has a specific purpose and covers specific cases.

General Liability Insurance: This form of business insurance covers injury claims, property damages or advertising claims. Businesses can survive on this type of insurance only, and it is the most common type of liability insurance for businesses.

Professional Liability Insurance: This insurance covers problems that may arise because of errors, negligence or omissions. Certain professions such as doctors and technology consultants might be obliged to have this type of insurance in some areas.

Product Liability Insurance: This insurance type handles injuries caused to an individual due to a faulty product that was manufactured by the business. The range of coverage, as well as the level of risk, depends on the type of business.

By: Ross Bainbridge

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