Ethical Investing

Your financial goals and social conscience don’t have to be mutually exclusive. With ethical investing, it’s possible to earn healthy returns without having a negative impact on others or the planet.

Ethical investing involves putting your money into funds or companies that meet the ethical and environmental standards you’re comfortable with.

However, just because your money is doing good work doesn’t mean you have to sacrifice profits.

During the two or three decades that socially responsible mutual funds have been available, they’ve averaged comparable or better performance than mainstream funds.

For instance, companies involved in green energy are currently considered to have huge growth potential.

The first step in ethical investing is deciding what’s important to you. Determine which industries you don’t want to invest in, whether that’s arms manufacturing, tobacco, child labour, gambling, etc.

Then decide which areas you do want to focus on. There are lots of ethical mutual funds on the market, and you can choose from funds that help promote human rights, the environment or social change.

Or if you’re already working with a financial advisor, ask about the practices of the companies in your current portfolio, and make sure your advisor understands your criteria for ethical investing.

This is just another reminder that we can profit and make a positive impact in the world at the same time.

For a free consultation on how you can use your mortgage to accelerate your wealth, call us today!

Divorce & Your Home

A divorce doesn’t only result in emotional pain, it can often lead to financial turmoil. Deciding on how to deal with the break-up of the family home can be the most intimidating and potentially devastating part of ending your marriage.
What you need most during this uncertain and confusing time is some unemotional, straightforward information and advice.

Once you know how a divorce affects your home and mortgage, making important decisions like these becomes a lot easier:
* Selling the house and dividing the proceeds.
* Buying out your spouse and keeping the house.
* Letting your spouse buy you out so you can start fresh.
* Continuing to own the house jointly for a while.

Unfortunately, each of these decisions comes with unexpected pitfalls that can be very expensive and damage your credit rating. Knowing what to look for–and what mistakes to avoid–at this uncertain time is essential.

That’s why we’ve prepared a valuable FREE guide titled, “Divorce and your home: 6 things you need to know before you sell.”

Here’s just a portion of what you’ll learn:
* How to qualify for financing to buy your spouse out or buy a new home.
* How to make sure you’re not still liable for the mortgage after you leave.
* Ways to increase your qualifying income after divorce.
* Ways to protect and improve your credit score during divorce.
* And much, much more!

This FREE guide provides the information you need to ensure you, your family and your future home are protected.

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DBA – Invis West Coast Mortgages