Flood on green meadow, trees and grass in water.  Landscape in sunny spring day.

Going Green Could Save The World $22 Trillion

According to economists, improvements in energy efficient buildings, public transit, and better recycling and waste management initiations could save over $22 trillion. And cities that spend the money to make “green” improvements and adjustments to their community will benefit more financially in the long run, and continue to save money that would otherwise be spent on more costly and less environmentally-sound maintenance of the city.

In addition to the massive cost-cutting benefits, the economist’s suggested global movement towards energy efficiency could prevent the carbon pollution equivalent of India’s entire greenhouse gas output annually. The suggested preemptive climate-saving changes could save money spent by cities around the world, as well as prevent further spending on combating the negative effects of climate change.

An independent organization comprised of seven different countries’ leading finance ministers and research institutions called The Global Commission on Economy and Climate released their findings this September. Economists, financial experts, researchers, and scientists from Colombia, Ethiopia, Indonesia, Norway, South Korea, Sweden and the United Kingdom agree that a global movement towards “green” cities could save trillions of dollars.

Among the benefits the group listed as a side-effect of the world enacting energy-efficient initiatives were increased global living conditions, health, and quality of life as well as financial benefits and cost-savings. They also claimed the climate-conscious improvements to the world’s cities would dramatically reduce poisonous carbon pollution and greenhouse gas emissions.

The estimated savings of over $22 trillion could feasibly be reached by 2050 if world governments began making energy effective efforts within the year, according to expert analysis. The global savings would come from reduced costs from saving money on transportation, buildings, and waste disposal.

Researches also found that by 2030, the cost-effective efforts would simultaneously prevent 3.7 gigatonnes of greenhouse gas emissions per year. But advocates within the group have acknowledged that the environmental benefits are not enough to tempt many world governments from enacting more energy efficient changes within their cities, so they performed the study to prove the cost-effective financial benefits of city upgrades to transportation, waste management, and buildings.

The study’s findings have disproved the concern that global energy efficient changes would be too costly. Researchers released the data to prove that reasonable improvements made to cities’ basic infrastructure could actually save them trillions of dollars, as well as reduce their pollution significantly within just 20 years.

Seth Schultz was among the economic researchers that were consulted for the report, in which he stated,“There is now increasing evidence that emissions can decrease while economies continue to grow. Becoming more sustainable and putting the world – specifically cities – on a low carbon trajectory is actually feasible and good economics.”

The report found that the most immediately noticeable changes, both financially and environmentally, would be in transportation. In many of the world’s largest cities, public transportation is almost non-existent, or is so dilapidated that it’s excessively expensive to run as well as extremely draining of costly and limited fossil fuels. Researchers said that by introducing more convenient and low-cost, energy efficient public transportation systems in every major city, lives could be saved from traffic accidents, commute times would be reduced by as much as 50% instantly, and millions of dollars would be saved in costs to run outdated transportation.

Individuals in urban areas would also save money personally by avoiding the expenses of owning, maintaining, and driving a car, while simultaneously reducing their individual carbon emissions, and would be travel statistically safer as well as faster. Improvements made in cities’ public transportations systems would create jobs and cut down on federal and personal costs, the study claims.

The study goes on to say that by making basic energy-efficient improvements in buildings, countless dollars could be saved in electricity spending, heat and cooling costs, and wasted water that racks up large bills. They even suggest that by harvesting biogas from waste management, cities’ waste could be harnessed as fuel to provide electricity to the cities’ communities, such as those already being done by Lagos in Nigeria and other cities around the world.

The suggested improvements for cities around the world could save an estimated $22 trillion as well as reduce harmful gas emissions, making the expert findings a powerful argument in the case for governments to make energy-efficient improvements a priority if they want to reduce national debt and spending.

Are We Trapped in Another Housing Bubble?

If you were personally affected by the housing market crash in 2006 to 2008, you are constantly keeping watch on real estate trends. When home prices begin to go up, it’s no wonder you are automatically suspicious. And with the rise in home values over the last few years, you aren’t alone in your concern. Many finance experts feel similarly – they are starting to feel nervous about where the latest home price increase will take us and when it will stop.

What is a Housing Bubble?

A housing bubble describes the increase in home prices due to factors such as high demand and speculation. When the prices get too high, high enough where consumers can no longer afford the cost, or the economy experiences a downturn, the bubble bursts. Houses drop drastically in value and depending on the severity, it can take many years for the market to fully rebound.

Is the Current Market Showing Signs of a Housing Bubble?

Yes, home prices are going up, but maybe not as drastically as some may think. All real estate prices are normally tied to industry growth at a local level. For instance, while homes are selling quickly, at above asking prices, in metropolitan areas like San Francisco and Boston, other areas see normal to stagnant movement of real estate. While home prices quickly jumped from 2013 to 2014 and continue to rise in 2015, the rate has slowed. Part of the increase in home value is due to builder caution against creating new inventory. While you may believe individuals were burned the most when the 2006 bubble burst, you would be mistaken – many builders took the brunt of the hit as well. In 2014, 1 million new homes hit the market, but only 700,000 were single family homes. In a healthy real estate market, 1.6 million homes are for sale, with single-family homes clocking in at over 1 million.

It’s clear the price increases can be mostly tied to a lack of inventory, most likely stemming from builder and current homeowner caution. In many cases, builders simply do not want to take on the same amount of risk again. For homeowners, they are most likely trying to regain the lost equity from 2006 and may still be underwater on their mortgages. For a real estate market to flourish, homeowners have to be willing to pack up and move and lately, that has not been the case.

So while many experts point to the rising prices as indications of a bubble, it’s most likely due to the continued aftershocks of the 2006 downturn. Lenders are not providing loans to anyone who applies – strict standards still apply to all applicants. As confidence in the economy grows, more and more homeowners may be willing to list their homes, providing a greater range of inventory and creating a steadier flow of sales and the home price inflation will steady. So if you’re thinking about buying or selling, be cautious, but don’t change your mind due to distant threats of a housing bubble approaching – it is most likely not the case and a repeat of 9 nine years ago has a low chance of occurring.

Are You Buying the Right Income Property

Whether you’ve got extra cash to spare or simply aren’t a fan of the stock market, buying property with the intention of renting it out and making money can be a smart financial move. An income property can also help you diversify your existing investments, and if all goes well, it can generate a steady stream of cash while allowing you to build equity in something you can eventually sell for a profit.

While many people have great success with income properties, there are also those who wind up losing money in the real estate game. Keep the following factors in mind when deciding whether the income property you’re looking at is a smart investment:

Location

The location of your home can make or break your success as a would-be landlord. If you’re buying a property with the intention of renting it out year-round, make sure it’s in a desirable neighborhood with good schools and low crime. If your goal is to buy a vacation property, make sure there’s a nearby attraction, like a beach, ski resort, or lake, to help make it marketable. You can also try buying a home in a college town and renting it out to students. The key is to find a place where there’s a reason why people would want to rent it on a regular basis.

Age and Condition

Nobody wants to rent a property that looks and feels like it’s falling apart. You may be enticed by a lower price, but keep in mind that if you buy an older property in less-than-stellar condition, you may have trouble renting it out. Furthermore, you could wind up with a ton of maintenance and repair work on your hands, which means that whatever you save by buying a cheaper place could be easily wiped out by the amount of money you’ll need to put into it.

Real Estate Taxes

It’s not just your mortgage and maintenance you’ll need to cover with whatever rental income you generate; there are also property taxes to consider. In some areas, real estate taxes can add upwards of $1,000 per month to your overall monthly payment. When buying an income property, make sure you know what you’re getting into tax-wise, and make sure rents in the area are high enough to allow you to cover your costs. Also, do some research to see how often real estate taxes go up in the area. Your taxes may be reasonable now, but if the town you’re buying in has a
history of hiking property tax rates year after year, you may want to look elsewhere.

Accessibility

If your plan is to hire a management company to handle the day to day maintenance of your property, then you probably don’t have to worry about how accessible it is to you. But if you’re planning to do all the work yourself, make sure the property you buy is easy for you to get to. Ideally, it should be close to your primary residence, your place of work, or both. This way, if you get a call from a tenant demanding repairs, you don’t have to drive for hours just to fulfill your obligations as a landlord.

Under the right circumstances, buying a property to rent out can be a great way to generate income. Just be sure the property you choose makes sense from a financial and logistical perspective before you sign that mortgage and hand over your down payment.

Don’t Get Robbed Get New Stocks

dual_solar_finalThe stock market can be a scary thing for beginners to get into.

It takes experience, skill, and luck in order to make profits and be successful.

There are always those who will try to sell you on the idea that anybody can become a stock market success overnight.

While this sounds amazing, it is far from the truth. For beginners in the stock market, there are certain things that you should and should not do.

For starters, make sure you see this as a business and not just a hobby.

Remember that large corporations and banks see stock trading as a business and therefore, you should too.

Another tip that we can offer is to get great investment software.

There are lots of great programs out there that will help you manage and organize everything in your portfolio.

Organization is key in this and many other things in life. A great software program will allow you to keep track of all movement including profits and losses. It’s like when room darkening shades or solar shades go up and down, you want to time it perfectly. For more on roman blinds or shades visit theprimeblinds.com Being able to keep track of all of this allows you to get a sense of the bigger picture. See more at PrimeBlindsonline.com. For room darkening blinds go to http://www.primeblindsonline.com/blackout-shades-curtains-room-darkening-window-drapes or to http://www.primeblindsonline.com/window-shades-solar-roller-sun-screens-fabric/. See motorized shades from theprimeblinds.com to control your blinds with a remote. You can get window covers like these wooden blinds and also sliding door blinds. Me I would rather get roller shades like these discount roman shades and woven blinds. Another great benefit of using such software is that it will actually save you lots of time. The amount of stress and time saved will be more than worth the cost of the software.

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Trying To Make? Save It First

We all know that the first rule to investing, is to make money. Rule #2 is never to forget about rule #1. That is how I perceive everything in my life.

And another way that you can make a lot ROI, is by actually saving money. You can do this by shopping online.

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So the other day when my wife approached me about buying window blinds for our home, I told her I did not care, as long as she did research and got us the best price. We found that online is the best route to take and you can see more blinds Henderson, blinds Akron, blinds indianapolis and blinds Arlington Virginia. Over at http://www.primeblindsonline.com/ they have all the blinds you need also at http://Primeblindsonline.com they sell blackout shades and more. If you are more into solar shades go to http://www.PrimeBlindsOnline.com today. If I were you I would go there immediately to save big bucks and they also have more at blinds charlotte and blinds Kansas City, which are a lot more affordable than hunter douglas blinds and you should target blinds made for you and not a department store. So get blinds direct online and see how they ship toblinds Tucson, blinds Long Beach, blinds Atlanta,window curtains chicago and blinds New York City.

Let it be known that they can also black out the sun with blackout shades that you can find at blinds El Paso, blinds Omaha, blinds Miami and they have pictures of window treatments all through their site. You can and will find the best prices if you go online first.