The World is Not Enough - Calling for a More Ethical Approach to Personal Finance

Written by Richard Green

Continued from page 1

Most people do not think about where their money is being invested, when they pay into a mortgage, pension or savings account, they just think aboutrepparttar return they will get on their money. This does appear to be changing however.

Following consultation with its members,repparttar 147514 Co-operative Insurance Society ( ), which has more than £20 billion of funds under management, has becomerepparttar 147515 first insurer to launch an ethical engagement policy and said it would lobby businesses at every opportunity to improve their ethical performances. The Co-op already tries to ensure ethical compliance by making new business customers fill out an Ethical Policies questionnaire, which is assessed byrepparttar 147516 bank before agreeing to provide business services. Financial comparison sites such as Moneynet are now releasing guides providing information on ethical investment ( ) covering all aspects of personal finance from bank accounts, investments and pensions to choices of domestic energy providers. Other organisations such asrepparttar 147517 Ethical Investment Research Service ( ) have been set up to provide information into companies' ethical behaviour for independent investors, fund managers and charities alike.

The world is gradually waking up torepparttar 147518 idea that responsibility needs to be taken for our actions, whether those actions are atrepparttar 147519 global, national or individual level. Lobbying of politicians andrepparttar 147520 interest that has been engendered byrepparttar 147521 Live 8, and MPH campaigns can help to make a change, but these need to be continued beyondrepparttar 147522 present media furore if we are to make a real change. An ethically responsible nation is only possible if we also make changes on our own doorstep. Until we really get our personal finance into perspective,repparttar 147523 MPH becomes just another fashion label.

Released by

Richard works in Edinburgh for Bigmouthmedia ( ), occasionally writing for the personal finance blog Cashzilla ( ), and drinking too much coffee.

Bad Credit Home Financing - Get The Mortgage Loan You Want Even With Poor Credit

Written by Carrie Reeder

Continued from page 1

Fill out your application or inquiry as accurately as possible – Inflating your income on your application or inquiry form, to be higher than you know you can verify your income to be, will only delayrepparttar process of getting pre-approved. The broker will workrepparttar 147513 fastest for you if he/she is working withrepparttar 147514 exact information he/she needs to be able to verify. That’srepparttar 147515 best way to get approved and throughrepparttar 147516 pre-approval process smoothly.

Be persistent – This isrepparttar 147517 key when seeking a mortgage loan pre-approval with poor credit, be optimistic. Look for creative ways to get financing and contact as many brokers as possible. There is one or more out there that can help you. The key is to find them.

Start house hunting - Sometimesrepparttar 147518 key to getting into a house is findingrepparttar 147519 right one and a seller that is flexible enough to help you do some creative financing work. For example:repparttar 147520 seller carrying back a small percentage ofrepparttar 147521 loan,repparttar 147522 seller paying your closing costs or you being able to purchaserepparttar 147523 house for significantly lower than market value.

To see a list of recommended bad credit mortgage loan companies online, visit this page: Carrie Reeder is the owner of ABC Loan Guide. It is an informational loan website, with informative articles and the latest finance news.

    <Back to Page 1 © 2005
Terms of Use