A Financial Planner Melbourne can give you the knowledge and expertise that you need to achieve your goals. Financial planners are the financial experts who always have your best interests at heart.

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They can help you to understand the importance of managing your money and financial affairs, so that you can get the best financial health and stable financial future that you deserve. This is the reason why dedicated group of highly qualified and experienced Melbourne financial advisors are always ready to serve you, by listening to your objectives and aspirations, and would work towards helping you to achieve your dreams.

Financial Planners Melbourne is a set of specialists, who help people, who are looking for the best financial advisors melbourne. They are a group of experts, who have a lot of experience and wide knowledge about finances and planning. They provide their clients with valuable and relevant information on maintaining their financial situation and creating a secure financial future. They also guide their clients in creating an effective financial plan, so that they can achieve their wealth goals. The financial planners in melbourne provide their clients with the assistance and advice on creating an ideal financial situation and plan, so that they could easily achieve their goals, and meet their desired objectives.

Financial Planner Melbourne are committed to giving their customers with the most accurate financial plans and advice so that they can successfully reach their desired goals. Their team of financial advisors, has the experience and skills to assist you in achieving your wealth goals, so that you can easily achieve the lifestyle goals that you have set. Financial Planners Melbourne can give you valuable advice and guidance, so that you can easily meet your desired financial goals.

Financial Planners are well equipped with the experience and skills in financial planning, so that they can easily guide you in setting up your wealth objectives and achieve your desired wealth goals. Apart from this, they provide you with a whole lot of other advantages. By engaging them for financial planning, you can save a lot of time and money. They also have a very good reputation and are reputed as one of the leading financial planners in Australia.

The Financial Planners in melbourne are an exceptional option for those people who would like to create an ideal financial future. They offer services which help to set up a life goals and achieve your desired wealth status. Financial advisers provide you with a whole lot of relevant information on creating an ideal financial planning and retirement goals. They also help to set up your financial objectives and achieve your wealth status and financial goals. The various services offered by the financial planners in melbourne includes creating an Individual Investment Account (IIA), creating a superannuation, selecting the appropriate investment products and life insurance plans.

You can get better service and wider options from financial planners in melbourne. They generally provide better financial advice and assistance to their clients. However, before engaging any planner or advisor, it is important to make sure that you verify their professional credentials, including the accreditation, registration, standing, etc. Apart from this, it is also important to check out their previous works and customer testimonials to know more about their effectiveness. If you do not want to go through all these hassle, you can take the assistance of online search engines and find the most reliable financial planning advisors in melbourne.

Green investing aims to support ethical, socially responsible and environmentally friendly business practices. The term “Green Investing” is often grouped together with SRI (socially responsible investing) and ESG (environment, social and governance).

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SRI also known as social investment are investments in a business that are considered socially responsible. This does not have to be solely environmentally based and can include any socially conscious investing.

ESG are criteria that are used when investors with a socially responsible moral compass wish to assess the social responsibility of a potential investment. The environmental criteria assess a company’s environmental impact, the social criteria assess a company’s relationships with their employees, customers, suppliers and local communities and the governance criteria assess the company’s leadership, rights of shareholders, executives’ pay audits and internal controls. Together these criteria give investors tools to evaluate investment opportunities that look past traditional methods.
Green Investing is a category of SRI that focuses on companies and projects that are committed to the preservation of natural recourses, reduced pollution and other environmentally conscious practices.

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Socially Responsible investing SRI
SRI occurs when individuals, banks, superannuation, and other types of funds invest in companies that are socially responsible in their actions. However, SRI is hard to define as it is forever changing with the norms and values of society. There are three main areas when we talk about how socially responsible a company or investment decision is, including, environmental, social, and corporate governance (ESG).

ESG
ESG is a term used a lot when socially conscious investors want to evaluate whether they invest in a company. Measuring these criteria and giving a score gives people the ability to factor social responsibility in their investment decisions. E stands for environment and is where we analyse the environmental footprint of a company. For example, initiatives in areas such as energy saving and the reduction of pollution. S stands for social and is where we examine working conditions of employees, clients and suppliers. The G stands for governance and is where we assess the structure of the company to see if its transparent and independent, how corporate officers are appointed and remunerated, and if there is respect for shareholders.

Green Investment
Green investment looks at the environmental side of ESG and is a large part of SRI. Green investments are made in companies that encourage, promote, or provide environmentally friendly products and practices. Anything to do with the natural environment or climate change comes under the “Green Investment” banner.
When we talk about “Green Investing” there is a term known as “shades of green” which demonstrates the spectrum of how green an investment opportunity is. Five main themes define what shade of green an investment opportunity may be. These include ESG integration, Portfolio screening, Corporate advocacy, sustainability-themed and finally impact investing.

For example, you could invest in a fund that factors in the ESG criteria in their decision-making but doesn’t go much further than that. This would be considered light green as they are only doing the bare minimum when investing ethically. If the fund you have invested started to exclude companies with low scores this would make the shade of green darker as they are “screening” the portfolio. Exclusive portfolio screening and ESG integration are on the lower end of the spectrum because while these investment decisions are doing less harm, they are not going to result in social issues being solved. Now imagine if the fund you have invested in owns 5% of XYZ and they, as a major shareholder, decide to attend a board meeting to convey that they would like XYZ to be more ethical in their business practices. This is what corporate advocacy means as the fund is influencing corporate behaviour through direct engagement. Within Ethical/Green finance we could consider this to be in the middle of the spectrum as now we are starting to see some changes being made to business practices. As we enter the “darker shades of green” we start to see inclusive portfolio screening. This means that the fund you have invested in will start including companies in the portfolio with high ESG scores, rather than just leaving out the ones with low scores. As we move into the darker shades of green ethical funds can be solely invested in companies that are sustainable regarding social issues like climate change, and moving one step further they can be invested in companies whose sole purpose is to solve issues that our world faces. This is the “darkest shade” you can achieve on the spectrum and is known as impact investing.

Now that we are trying to return to routine, you may need a car to get back to your place of work. Do not worry if you have a bad credit history. Buying a car is now possible for everyone, especially if you can manage a decent down payment amount.

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There are several ways to buy a car, especially with a down payment. If your credit score is low and you have no time to rebuild it, you can put money down to purchase your dream car. It does not matter if you buy a used car or a new one, down payment can improve your bad credit auto loan approval chances. It is a smart choice to make a down payment.

How does Down Payment benefit Bad Credit Car Buyers?

As a car buyer, there are many benefits to making an upfront payment to the dealer.

a. Get Lower Monthly Payments: When you make a down payment, the size of your loan will become smaller, and thus, your monthly payments will reduce as well.

b. Enjoy A Shorter Loan Term: A hefty down payment can lower your loan term and reduce your overall monthly costs of owning a vehicle.

c. Get Reduced Interest Amount: With a down payment of at least 10% of the total cost of the car, you will be able to pay off your loan early and enjoy a reduced interest amount.

d. Avoid Negative Equity: If the buyer wants to sell the car, it would be easier for him as the market value will be higher than the loan amount.

If you’re willing to put a down payment, the bad credit auto financing process will become easier and faster. You will be able to nullify the effects of your bad credit score and enjoy an affordable deal. So, it is smarter to seek a down payment for your next car.

Why do Lenders look forward to Down Payment?

If you have money for a down payment, you will borrow less from the lender thus, save more! But, how does that benefit the lender? Why do lenders look forward to a higher down payment amount?

Lenders want to protect themselves if you are unable to pay them back. Because of your bad credit history, they may be wary of your financial situation. They don’t want you to owe more than the value of the vehicle, and a down payment amount will close this gap between the sale price of the car and its actual market value.

Additionally, the down payment displays your current financial condition to the lender. Credit scores and past financial statements provide a history to the lender. But, if they want to understand your current financial situation, the down payment amount will inform them whether you are capable of making an upfront payment or not. It will assure them of regular monthly payments in the future. It will also save them from undergoing the cumbersome repossession process.

Can you afford to make a Down Payment?

Before you search for different car models, find how much you can afford as the down payment. There are many factors to determine the best down payment amount for your situation, such as your credit score, the car’s sale price, and how big a monthly payment you want. Consider everything when deciding how much money to put down on your new vehicle.

If you look at the benefits of the down payment, you may want to borrow money from a friend or a family member, take a second job or sell your belongings. However, avoid seeking personal loans from lenders because they are expensive. And, if you are unable to pay them in the future, the loans will affect your credit score severely.

If you are unable to make a down payment, search for no down payment auto loans. Several subprime lenders offer bad credit no money down auto financing options to help car buyers. To get approval, you must submit an online auto loan application form with all details about your personal finance. Provide pay stubs for the last six months. If you are self-employed, offer two years of tax returns to the lenders. It will help them in making a decision.

Down payment is essential but not mandatory for buying a car. Find ways to make a down payment. But if you cannot, do not fall prey to expensive payday loans and personal loans.