Things To Look For When You Apply For A Personal Loan

Personal loan is one of the most popular loans availed by people globally. This is an unsecured loan but this can be used for any purpose. This makes personal loans the go-to option for those who are in an urgent need of finance. But there are also several risks associate with personal loans. Here are some aspects you should consider when you choose to apply for a personal loan:

  1. Rate of interest offered by the lender:

While one of the providers of installment loans and personal loans might offer lower interest rates than most other loans, there might be some who have sky high interest rates. Comparing the options available at hand before actually making a choice would be crucial.

  1. Do you need a secured or unsecured personal loan?

Secured personal loans and unsecured personal loans are both available. Secured loans would involve a mortgage or the necessity to furnish an asset as security. The asset would be acquired by the lender if the loan is not repaid within the mentioned period. But with unsecured loans as the name goes, the loan is given without any security. This makes this a high risk loan. So you would not be able to avail this type of personal loan from normal banks. You might have to look for lenders that offer unsecured personal loans.

  1. Term of repayment:

Compare the repayment term quoted. There would also be several terms and conditions attached with repayment. These would all have to be understood well before availing the loan. Shorter term would ensure that you are free from the loan sooner. But these might sometimes come with larger interest rates. Some might prefer longer repayment terms based on their current finance situation. Each come with their own benefits.

Compare the processing time, the documentation procedure and other details to make a good choice and select the best personal loan available.…

How to Reduce Your Business’ Carbon Footprint and Save Money

More and more businesses around the world are realizing their responsibility to reduce their carbon footprints. They are also learning that these practices make their businesses more efficient and save them money. There are companies that can do greenhouse gas emission measurements and calculate your carbon footprint. They can also work out a plan of action to reduce your impact on the planet. Below is a list of things that they will suggest or do for you. Some of these you can put in place without an analysis.

  1. Buy EnergyStar-approved equipment and appliances for your office. Things like computers, monitors, printers, photocopiers, microwaves, etc. can be replaced with more energy-efficient options. You can also find ways to reduce the use of air-conditioning or heating.
  2. Install sensors to monitor lighting needs. If you have systems in place that allows lighting to come on only when needed and to adjust according to the amount of light needed, you will save a lot on energy costs and save money.
  3. Reduce your air-travel impacts. Not only will you save money on those airplane tickets, but you will also be kind to the environment. Instead of flying all over the world for a single meeting, opt for video-conferencing.
  4. Implement recycling practices. Reduce your waste by starting recycling practices. Have separate bins for paper, plastic, cans, food, etc. This will encourage your staff to produce less waste and to recycle what they use. It could also possibly spill over into their private lives and reduce their home’s carbon footprint. Talk about a ripple effect.
  5. Hire a company to do an analysis of your energy use and carbon footprint. They will tell you exactly what you can do and where you need to cut down on some practices to make your business more green and save you money.

These steps can make a huge difference to how your business and your employees influence the environment. Even small changes can make a big difference and can lead to bigger changes being easier.…

Tips for Reducing Your Greenhouse Gas Emissions and Helping the Planet Every Day

To bring about change in the world and to protect our precious planet and resources, we need to make changes in our everyday lives. That is where the change must begin. The best part of these changes that you can make is that they won’t only help protect the planet but they will also help you live a healthier and happier life and you will save money. Living green has financial benefits that many people may not be aware of.


Start with something small. There are many small things that you can do to start reducing your impact on the planet. Start small and go bigger when you are ready. Simple things like recycling or only buying fresh fruit and vegetables without the packaging will get you to a good start.



Change your lightbulbs. Exchange your fluorescent light bulbs for CFL or LED light bulbs. They are the greener option and will last much longer which will save you money.

Reduce the animal products you eat. Try to go a day or two a week without eating meat or dairy products. You will be surprized at how much that will reduce your carbon footprint.



Change your transport habits. Buy a car that is more fuel-efficient than the one you currently drive. Alternatively, carpool and take turns driving every other week or something like that. Take the bus, walk, or ride your bike when you can. Fewer cars on the road mean fewer dangerous gases in the air.



Reconsider your wardrobe. Clothes manufacturing is one of the things that uses industrial processes that cause greenhouse gases like methane and F-gases. These gases are extremely potent to the atmosphere and contribute to warming. Shop at thrift stores, take good care of your clothes, and try to keep them for as long as possible.

If you look around your home and pay attention to your daily routines, you will see many things that you can improve, stop doing, or start doing that will reduce your carbon footprint and save you energy and money.…

The 4 Main Greenhouse Gases that are Products of Human Practices

The Earth’s greenhouse effect is caused by a concentration of the four main greenhouse gases that gather in the atmosphere. These gases are what causes global warming. The gas that causes the most damage is water vapor. Human activity indirectly affects the water vapor levels that contribute to global warming. However, there are some greenhouse gases that we as humans are directly responsible for.





Carbon Dioxide (CO2) – This is the gas that is a product of the burning of fossil fuels and it is also caused by deforestation. It makes up three-quarters of the warming impact that we as humans have on the atmosphere. This is why people are feverishly looking for fuel alternatives and ways to reduce the production of CO2.




Nitrous Oxide (N2O) – This gas has a much smaller impact than carbon dioxide, but it is very potent. Sources of nitrous oxide include industrial processes and agricultural practices that involve nitrogen-fertilized soils and livestock waste. There are alternatives to these fertilizers and many people have decided to eat less meat in order to reduce the numbers of livestock and their effects on the environment.





Methane (CH4) – Methane has a much shorter persistence period when compared to carbon dioxide, but it is a lot more potent. Methane is responsible for approximately 14% of the greenhouse gas effect. It is mainly a product of agricultural practices, the decay of organic waste, and fossil fuel extraction.





Fluorinated gases – Again, this gas is responsible for a smaller impact on the atmosphere than the other three, but it is the most potent of the four human-caused greenhouse gases. The main thing that contributes to the production of these potent and powerful F-gases is industrial processes. We as humans rely on so many industrial processes to get specific types of materials and products. These consumer habits are driving the industrial processes that cause F-gases.

These four gases are what people are working towards reducing when they talk about reducing their carbon footprint. How can you reduce yours?