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7 Factors To Consider When Buying A Family Car

Posted by Felix Assivo on
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Health & Wellness
7 Factors To Consider When Buying A Family Car

Nowadays, purchasing something is like finding a needle in the haystack.

There is so much saturation in markets that hunting your ideal match can be a confusing and daunting process. You need to research, compare, and evaluate to ensure you are not wasting your hard-earned money.

Well, are you seeking an amazing family car that fulfills your needs perfectly? If so, then you’ve arrived on the right page. Below we have compiled all the essential factors to consider to make the wisest and the easiest family car purchase ever!

1. Cost (Not Just the Car)

You need to budget for two types of costs when buying a car: upfront and ongoing. Some of the costs you need to consider include:

  • The upfront cost of the car, whether it is a financial deal or cost upfront
  • Finance repayments – if it is dealer finance or a personal loan, you need to factor in the repayments you have to make
  • Insurance, see Car UK for great deals on insurance.
  • Annual Road Tax
  • Servicing
  • Other spending’s like repairs, new tires, and valets

All of the above costs are going to add up, which makes it important to have some breathing room in your budget.

2. Fuel

Different families have different ways of using their cars, so make sure you think about how the car you want to buy is going to be used. Are you going to drive it at low speeds in an urban environment? Avoid diesel-powered cars because they are not good at low-mileage driving and low-speed. If you get such a car, you are going to spend a lot on maintenance costs.

The best option in such a case is a modest petrol power, or if you have the budget, a pure electric or hybrid vehicle. If the family car is going to double up as a commuting vehicle that will spend time on the motorway, then it might be a good idea to go with a diesel-powered car because the fuel costs will be lower. A diesel car is a good idea if you are going to spend something like 20,000km, every year.

3. Seating

The number of kids is going to play a part when choosing a car to buy. If you have just one child, then many of the Honda models should be enough. If you have three or more children, then you have to make a lot of considerations when choosing a vehicle. This doesn’t mean going with a full seven-seat car, there are many Honda vehicles in the market that come with five seats that are going to do the job well.

4. Safety

Don’t make the mistake of not giving safety enough focus, whether you are buying a used or new car. If you are getting a new car, then go through the list of standard safety equipment carefully and then see what is on the options list – this way, you can make sure your family remains safe. Honda has great safety ratings, which is why more and more people are choosing it.

5. Finance

There are many options when it comes to financing a new car. Some of them include cash, PCP, credit union/bank loans, or dealer financing options. Take your time and choose a financing option that works best for you.

6. Consider More Than One Vehicle

It is very easy to be caught up in the process of finding a car that is going to fulfill the many roles in your life when the best option could be getting more than one car in your household. You can get a cheap petrol/electric/hybrid model to use for school runs, while you can choose something suited to long-distance driving to use for your daily commute to work. Sit down and think how easier things can be with two vehicles.

7. Interior Trim

One thing that some parents don’t consider when choosing a car is if the interior trim is good for family life. Things can get messy, especially with young kids. This is why you should choose dark upholstery (leather trim is a good option because it is easy to clean)

How to Use Personal Bankruptcy to Help Your Home Business

Posted by Felix Assivo on
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Business
How to Use Personal Bankruptcy to Help Your Home Business

Using personal bankruptcy can help a small business get rid of their liabilities and can help give them a fresh start. You may choose either Chapter 7, 13, or 11 bankruptcy depending on the situation of your company and your current assets.

Every business, however, is not in a position to file bankruptcy. There are several aspects to consider before a business takes this bold decision. For example, if you wish to keep your business open, have a sufficient amount of cash flow, and can make monthly payments, then Chapter 11 bankruptcy would suit your needs.

On the other hand, if you do not have sufficient cash flow and you wish to close down the business efficiently, then you should apply for Chapter 7 bankruptcy. Chapter 13 Bankruptcy is used if the sole proprietor wishes to keep the business running.

A wrong choice can have disastrous effects on the financial situation of the person under discussion. It is better to consult an expert in the field before filing a case. The first thing you need to consider before filing for bankruptcy is to see whether your business is in a partnership or is a sole proprietorship.

We will discuss bankruptcy options for sole proprietors, small business partnerships, and corporations and how they affect each party.

1.     Filing for Chapter 7 Bankruptcy as Sole Proprietors

If a business owner has decided to close down a business, then they can use Chapter 7 bankruptcy. This helps the business owner discharge their business and personal debts and erases their personal record, which gives them a fresh new start if they are looking to invest in new ventures.

This is not in the case of Chapter 11 and 13 filings in which a creditor payment is required. A time period of 3-4 months is required for the completion of Chapter 7 bankruptcy filing. Chapter 7 Bankruptcy may seem like the perfect option for home businesses that want to close down, but there is a downside that one cannot ignore – once you file for Chapter 7 Bankruptcy, your property will become part of the bankruptcy estate.

You will only be allowed to keep only the assets that fall in the “exempt” section. These can be your home, car, clothes, etc. For a filer, a Chapter 7 bankruptcy could mean they will be losing property and other valuable assets too if they will be filing for a Chapter 7 Bankruptcy.

Chapter 7 Bankruptcy allows business owners to keep a “service-only” business when they file for this type of Bankruptcy. This means you can save your business if you are providing a service such as a freelance writer, an accountant, a carpet cleaning service, replacement windows service, or if you are a handyman. A lot of states also exempt equipment that might be needed to provide these services.

2.     Filing for Chapter 11 or 13 Bankruptcy as Sole Proprietors

If you wish to continue your business even after filing for bankruptcy, then you can either opt for Chapter 11 or Chapter 13 Bankruptcy. You can choose between Chapter 13, Chapter 11, or Subchapter V depending on your debt limits. In most cases, you will be allowed to continue operations once you file for one of these Bankruptcies.

You should be able to have an adequate amount of cash flow, though, which can help keep your business up. The plus side is that you will not be giving away your property, which makes it easier to run business operations. There is a catch, though – you will be paying your creditors money, which will equate to the value of the non-exempt property via the repayment plan.

Moreover, you will need to prove that you are making enough money that will support your case.  In case you are unable to protect your business equipment as you are unable to pay the value via the plan, then Chapter 13 Bankruptcy is not a valid plan.

Chapter 11 Bankruptcy is quite similar to Chapter 13 Bankruptcy. A business that file For Chapter 11 Bankruptcy keep their assets and pay the creditors via a repayment plan. However, unlike Chapter 13, Chapter 11 can be a tad bit complicated due to extensive and continuous reporting procedures. Moreover, it tends to be extremely expensive for small businesses to keep up with such procedures.

3.     Filing for Chapter 7 Bankruptcy as Small Business Partnerships and Corporations

As a business closes down, there are multiple aspects that need to be taken care of. When a business is divided between partners, it becomes the responsibility of all the stakeholders to liquidate the assets and divide them between the creditors. If the small business has a large number of assets in its name, then using Chapter 7, Bankruptcy can make the process much easier.

There is an increased amount of transparency, and the closing down process can take place much more smoothly. Moreover, it lessens the chances of any creditors claiming fraudulent activities, and stakeholders have lesser chances of raiding the asses at the time of company closure.

4.     Filing for Chapter 11 Bankruptcy as Small Business Partnerships and Corporations

Since Chapter 13 is only available for sole proprietors. A small business partnership or corporation can file for Chapter 11 Bankruptcy if they wish to keep their business running and pay fewer debts. Previously small business was reluctant to file for Chapter 11 Bankruptcy as there was an increase in rights given to creditors along with increased legal fees. However, there has been a relaxation in this regard, and small businesses are given the option to restructure their debts.

What’s Next?

Whether your business is owned by a sole proprietor, partnerships, or corporation, it can be a complicated procedure to file for business bankruptcies. If you are thinking of filing one, then it’s best to take help from an advisor or an attorney who is well-versed in all the legal procedures regarding business bankruptcies and also you can listen to best podcasts on business. This way, you will be able to get financial reassurance and the best deal on the table for your home business.

Author Bio:

Arslan Hassan is an electrical engineer with a passion for writing, designing, and anything tech-related. His educational background in the technical field has given him the edge to write on many topics. He occasionally writes blog articles for London carpet cleaning.

Financial Empowerment for Women

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Empowerment
Financial Empowerment for Women

meriflor.jpg

In a recent episode from my radio show, Uplift Your Life: Nourishment of the Spirit,  my guest Meriflor Toneatto and I offer guidance and encouragement for women to create abundance in all areas of life. In today’s blog, in addition to my tip of the week and my silver lining story, Marian Stephens shares how she is using the information in this episode to change her life. All my previous blogs are on my website, paulajoyce.com, and the first posts with Marian’s Story went up last week. Be sure to check them out and follow Marian’s progress.

Dr. Paula’s Tip of the Week

 This week’s show on empowering women to stake their claim on wealth aired on International Women’s Day. When women are empowered to manifest abundance and wealth, they are a powerful force of good in the world. As Mother Teresa said: It takes a checkbook to change the world.

 I wrote 33 Tips for Self-Empowerment because when you are self-empowered, you are connected to your limitless higher self, your soul, your intuition, your gut feelings, your guidance. In the spirit of this book, my tip for you this week is to manifest through love. Before you do a manifestation ritual or ask for what you want, remind yourself that Love is all there is by saying: “I allow my mind to be open to the limitless potential of my Higher Self, and that Love connects my higher mind with my conscious mind.” Money is just another expression of Love. We can have an abundance of love and of money in our lives. We do not have to choose between them. Since Love is limitless so is our ability to manifest Money. It is a gift from God, and as we open our hearts more, we can bring in more Money. We live in a world of abundance, not scarcity, and what a wonderful thing to be able to share our wealth and help others. It’s hard to be a philanthropist if you don’t have enough Money to donate. I often ask my clients what good they would do in the world if they had a million dollars?        

Last Saturday, I held my workshop, Discovering Hope and Silver Linings. I was delighted with the attendance and the response from the group. They even stayed for an added manifestation bonus I offered after the workshop was completed. Because the workshop was on March 3rd, which in numerology is 3/3¸a powerful number for manifestation, I did a special manifestation ritual with them at 3:33pm. All of those 3’s added even more power. Many people thanked me after the session and one woman gave me a hug saying: “I’ve been listening to your show. I feel like I know you.” I loved meeting someone who has been listening to the show. Another woman, Amanda, came because she wanted people to know that God is always with them. And the next day, I got an email from Katrina saying: “I read this in a book last night and it’s really resonating with me right now. It’s in line with what you spoke of, Dr. Paula, at our workshop: ‘Don’t overlook all the healthy trees. Even while you have pain in your heart, you can enjoy the many wonders of life – the beautiful sunset, the smile of a child, the many flowers and trees. To suffer is not enough. Please don’t be imprisoned by your suffering.’” I was touched by her taking the time to email me, the synchronicity of her reading this right after the workshop, and confirmation that she had gotten the message I was delivering.  

 Dr. Paula’s Silver Linings Story

In 2016 women were generally paid 80% of what men were paid – a gender wage gap of 20%. Closing this wage gap would eliminate poverty among working women and their families. Traditionally, women’s primary role is caretaker or nurturer; putting this construct aside will allow women to rise up and create better lives for themselves and their families.

Last week when I ran into an acquaintance, she shared how much stress she was under due to the demands that someone was placing on her. She had even cancelled her vacations for him and the extra responsibilities were exhausting her. She felt obligated to put his desires over her own needs. It was clear that in doing so she was putting herself at risk physically and emotionally. I knew she had been in an abusive marriage and had had cancer a few times. I was seeing a pattern and shared that this might be a life lesson for her to learn that everyone else was not more important than she is. I reminded her that if the well is dry, you have nothing to give and asked if he was worth compromising her own health. She said others had told her she needed to serve him with gratitude, compassion and kindness because he was leaving her money. I responded that I didn’t believe this advice was in her best interest. Sometimes we must give to ourselves the love, kindness and compassion we so easily give to others. I suggested that she think about all she had done for him over the years and continues to do and that sacrificing her own well-being wasn’t a good energy exchange. I recommended that she continue to do what needed to be done and to draw boundaries at unreasonable requests. I learned later she appreciated my advice and was making new choices. Sometimes we must circle around and through a lesson several times until we finally see the pattern and choose to break it. Her silver lining in this very challenging situation was to finally choose self-love and set strong boundaries.

 Marian Stephen’s Story

 Before listening to this week’s episode, I had assumed that it would not really apply to me. I have been out of the workforce my entire adult life, and only briefly worked after I graduated from college. I have been a stay-at-home-mom for many years, and I am on disability for multiple sclerosis. The cognitive problems associated with my illness make office work a challenge, and the physical problems make manual labor a challenge. So, I have written having a full-time career off. Again, I am so grateful to have Dr. Paula and her show in my life because it is helping me to break through barriers and equipping me to become the best version of myself. Each episode gives me a new tool, and I find myself encouraged and uplifted. Meriflor Toneatto talked about mindset, and I realized that everything I described above is the mindset that I have had for many years, and it is very limiting. Maybe if I change this mindset, I can find avenues to earning money that I have never considered. It feels liberating to open my mind to the possibility of being creative and finding unique ways to work outside of traditional employment.

Do you believe you deserve to be wealthy? This is the question that Dr. Paula asks listeners this week. While it does not make me feel very good, my honest answer is “no”. And it is not that I do not feel worthy of wealth, but rather that it is not due me because I cannot easily or realistically obtain it within a traditional context. I realized I have rather antiquated views on women’s roles in the workplace and at home. I consider myself to be a feminist, but I do not always apply the tenets of feminism to myself. I am comfortable in my role as nurturer; it is easy to put everyone else’s needs ahead of mine and call that my role in life. In fact, being a nurturer of family at home is far less frightening than putting myself out into the world and earning money. But, it is not completely fulfilling to be primarily a caretaker, when I believe my gifts for nurturing and love extend beyond the boundaries of home. I think that I can and will expand my views on my role in and outside of the home and begin to envision a life of abundance.

My mentor, Angie, was so inspired by this week’s episode that she is buying Money Manifestation & Miracles and going to consult with Meriflor Toneatto. After listening, she was inspired to action and called her mentor for coaching. She is amid making a life change, part of which is building her own business. The main thing she gained from listening is realizing her worth. She often feels guilt when setting the price for her consulting services, but realized she is worth the price she charges. She said she is “worth every penny”. She is tenacious, creative, a joy to work with, and working hard to establish a business that will sustain herself and her dogs. Angie feels empowered to keep growing her business and to create a life of abundance that will enable her to care for herself and to help others – this show made it clear that the Universe offers abundance, you just must be willing to receive it.

For more shows on changing one’s mindset, please listen to:

 FREE CHAPTER, THE ULTIMATE CREATIVE PROBLEM-SOLVING PROCESS, FROM MY BEST-SELLING BOOK, NOTHING BUT NET

 To learn more about my unique process that removes hidden blockages, helps you solve your most challenging problems, and achieve success with ease and speed, sign up for my newsletter and receive the chapter as my gift: http://paulajoyce.com/wpsite/newsletter-sign-up/

 

 

 

Author, Technology Executive & Speaker, David Giannetto By Tony DUrso

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Influencers
Author, Technology Executive & Speaker, David Giannetto By Tony DUrso

Join Tony DUrso, Host of The Spotlight as he interviews Author, Technology Executive & Speaker, David Giannetto

David Giannetto is the author of three books, including his latest Big Social Mobile. He is named as a thought-leader by the American Management Association, Business Finance Magazine and Consumer Goods Technology Magazine.

A frequent speaker, former MBA professor and USBusiness Review columnist, he writes for the Huffington Post and Strictly Marketing Magazine.

He is a former US Army Officer and currently the COO of Astea International.

Joining Tony as Special VIP Co-Host is Former Broadcast Journalist & Current Personal Development Trainer, Michael Benner.

Join us on The Spotlight with Tony DUrso on the Voice America Influencers Platform!

More Here!

International Empowerment Speaker, Cynthia Mazzaferro By Tony DUrso

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Empowerment
International Empowerment Speaker, Cynthia Mazzaferro By Tony DUrso

Join Tony DUrso, Host of The Spotlight as he interviews
International Empowerment Speaker, Cynthia Mazzaferro.

Cynthia Mazzaferro is a Motivational Empowerment Speaker, international award winner and #1 Best-Selling Author, Energy and Medical, Intuitive, Reiki Master, and Powerful Beyond Measure Life Coach.

Cindy is a recognized expert on bridging the connection between spirit and our limitless human potential. She is a master energy practitioner and a leading authority on releasing the emotional and energetic debris that holds us back and addresses negative subconscious imprinting and protective mechanism that continue to negatively impact our happiness, health, and success both personally and professionally.

Joining Tony as Special VIP Co-Host is the Ambassador of Happiness ®, Maura Sweeney.

Join us on The Spotlight with Tony DUrso on the Voice America Influencers Platform!

More Here!

AI Driverless Cars, With Mike Nelson By Tony DUrso

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Empowerment
AI Driverless Cars, With Mike Nelson By Tony DUrso

Join Tony DUrso, Host of The Spotlight as he interviews Mike Nelson on Artificial Intelligence & Driverless Cars on 28 July at 1pm Pacific.

As the insurance and automotive industries begin to embrace automated technology, Mike Nelson became involved in artificial intelligence and its impact on risk transfer and emerging legal concepts related to automotive products, insurance practices, auto repair processes, data accumulation, storage and transfer and the impact of the internet’s interaction with the future of transportation. Mike’s approach to law has always focused on a practical application of law to complex issues. Towards that end Mike recently purchased a 2016 Tesla Model S and drove it from California to New York City to gain a better understanding of the evolving automated driving technology.

Joining Tony as Special VIP Co-Host is Former Broadcast Journalist & Current Personal Development Trainer, Michael Benner.

More Here!

Shark Tank Legend, Kevin Harrington By Tony Durso

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Empowerment
Shark Tank Legend, Kevin Harrington By Tony Durso

Join Tony DUrso, Host of The Spotlight as he interviews
Shark Tank Legend, Kevin Harrington.

If you’re a fan of TV’s Shark Tank or ever bought a Ginsu Knife or anything through a TV infomercial, then you’re in for quite a treat.

Kevin Harrington is a successful entrepreneur over the last 40 years. He is an Original Shark on the ABC hit, Emmy winning TV show, “Shark Tank.” He is also the Inventor of the Infomercial, As Seen On TV Pioneer, Co-Founder of the Electronic Retailers Association (ERA) Co-Founder of the Entrepreneurs’ Organization (EO) and the list goes on!

Kevin launched over 20 businesses that grew to over $100 million in sales each! He helped generate over $5 billion in sales worldwide with iconic brands and celebrities such as Jack Lalanne, Tony Little, George Foreman, and the new I-Grow hair restoration product on QVC!

Joining Tony as Special VIP Co-Host is the Ambassador of Happiness ®, Maura Sweeney.

Join us on The Spotlight with Tony DUrso on the Voice America Influencers Platform!

More Here!

AI Driverless Cars, With Mike Nelson By Tony DUrso

Posted by Editor on
0
Empowerment
AI Driverless Cars, With Mike Nelson By Tony DUrso

Join Tony DUrso, Host of The Spotlight as he interviews
Mike Nelson on Artificial Intelligence & Driverless Cars on 28 July at 1pm Pacific.

As the insurance and automotive industries begin to embrace automated technology, Mike Nelson became involved in artificial intelligence and its impact on risk transfer and emerging legal concepts related to automotive products, insurance practices, auto repair processes, data accumulation, storage and transfer and the impact of the internet’s interaction with the future of transportation. Mike’s approach to law has always focused on a practical application of law to complex issues. Towards that end Mike recently purchased a 2016 Tesla Model S and drove it from California to New York City to gain a better understanding of the evolving automated driving technology.

Joining Tony as Special VIP Co-Host is Legendary Radio Personality, Michael Benner.

Also, presenting this week’s TKO Tip of the Week is Acrobat & Film Star, Brian E Neal.

Join us! LIVE on 28 July 1pm Pacific on The Spotlight with Tony DUrso on the Voice America Influencers Platform!

More Here!

Are You Ready? The Information Economy IS Here! By Dr. Kas Henry

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Empowerment
Are You Ready? The Information Economy IS Here! By Dr. Kas Henry

Last week we explored the role of education in shaping the transformational journey needed to compete successfully as a knowledge worker in today’s information economy.  This week, we will delve into what it takes to plan ahead to succeed in careers given the information economy. As the global economy evolves, we need to continue our own evolution to remain relevant if we seek economic empowerment.  Therefore, to sustain ourselves, change is inevitable.  The ability to change and deal with that change is the underpinning of transformation. You may have noticed that this show deals with empowerment as a continued journey of transformation.  Nowhere is this more aptly captured than in the metamorphosis of a caterpillar into a butterfly.

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  I can speak from personal experience that change is scary, especially change that grabs you and thrusts you into a totally unplanned and unexpected situation where there is no easy way out.  Such unexpected change showed-up in my life by way of a civil war shattering my expectation of home, family and all that is seen to be save and comforting….  Through no choice of mine, I became a refugee child in my own island nation, Sri Lanka, at the time I was in 8th grade.  I had to work through finishing up my O/Ls (10th Grade in the British system of Education) in my mother-tongue, Tamil, before leaving home, family and country to continue my education in India.

 

My whole world had changed, including the language I spoke.  I was in Bangalore, India, with no friends, family or anything familiar.  Just like the caterpillar, I had a task ahead…. A task of planning and executing my personal transformation so that when I emerged as a butterfly, at the end of that metamorphosis, I was ready to take flight.  So, I sat in my classes, took notes fanatically in my mother-tongue; using the dictionary and glossary of technical terms translated into English class notes. My daily learning was not limited to the subjects covered in class but the need to think, understand, write and communicate in English after doing all that in a different language up until then.  Was it scary? Certainly!  Did I have a choice? No!

I made strategic choices in my selection of specialization and elected to pursue a triple concentration in Computer Science, Math and Physics because they were subjects that used numbers and logic giving me freedom from language limitations.  This triple major also helped me plan my career options suited for the information economy from the very city that planned to become the seat of global technology, Bangalore. While in Bangalore, I developed the art of building lasting relationships, worked together with my peers for a successful shared journey and built a support system rooted in human kindness.  Bangalore is the city that helped me become the “butterfly” I am today.  To this day, I cherish my friends, extended family and countless caring human beings from various walks of life made my todays possible.

Change is not a threat but an opportunity to seek new possibilities.   Preparing for the information economy jobs in most parts of the world is not as traumatic as mine was but it can be challenging.

Just because the old era jobs no longer exist does not have to stop us from seeking new skills.  We are only limited by our own lack of imagination and tenacity.  Technology is disrupting every industry including Healthcare, Accounting, Finance, Retail, Business, Manufacturing, Communication and even human relationships.  Robotics and Bots are part of our lives and it is time we understood them.  Approaching technology as the enemy is not the prudent way to become empowered.  Embracing it and evolving to effectively utilize it is the pathway to success.

 

       

 

This week, we will engage in an exciting discussion with young professionals who have taken different routes to get to their current role as knowledge workers in the information economy.  Their diverse backgrounds and insights will help the listeners of “Unleash Your Inner Goldilocks: How to Get It Just Right” glean pointers in shaping their own transformational journey.  You will be surprised at the different ways one can pursue career success as long as the passion for pursuing success is alive.  Come join our conversation this Thursday and be a part of embracing the information economy for our shared success!

Meet Olaf, Darrin and Marloes: Leading Grassroots Change in Banking From Community Development Solutions to Occupy and Innovation Movements

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Business
Meet Olaf, Darrin and Marloes: Leading Grassroots Change in Banking From Community Development Solutions to Occupy and Innovation Movements

With the launch of the Building Banking on Values, a new VoiceAmerica radio series I’m hosting that goes behind the scenes to tell the stories of the people, passion and positivity within the values-based banking and financing sector; I thought to introduce you to some of our guests. Listen to the show episodes right here!

Meet Olaf Weber: Author, Professor, and Program Director of the Master’s Program (MES) in Sustainability Management, University of Waterloo (Canada)

Olaf is the director of the master’s program in Sustainability Management and a CIGI Senior Fellow. His research and teaching interests centre on the connection between financial sector players, such as banks and sustainable development, and the link between sustainability and the financial performance of enterprises. Olaf works on research questions like:

  • What are the current and potential impacts of banks on sustainable development and what may banks do to influence sustainable development in a positive way?
  • What is the role of voluntary and regulatory mechanisms for the financial sector to become more sustainable?
  • How do social banking and impact investing contribute to sustainable development?
  • How do businesses manage environmental risks such as water risks and conflict minerals and how do their management practices influence their financial performance?

Currently, Olaf supervises Sustainability Management students and PhD students working on the three research questions and teaches courses in Environmental Finance, Sustainability Accounting and Reporting, and Theories and Tools for Sustainability Management. Olaf also collaborates with banks, such asChina Industrial Bank on Green Finance.

Olaf’s latest book, Sustainable Banking introduces business leaders and students to the many ways in which financial institutions can manage their environmental and social impact and meet the needs of the current generation without compromising the needs of future generations. Olaf Weber and Blair Feltmate go beyond the business case for sustainability: how managing environmental, social, and governance risk can contribute to a bank’s bottom line – to make the sustainability case for banking: how banks and other financial institutions can make a positive impact on society.Book discount.

The book also explores the key aspects involved in making a financial institution sustainable: how to manage the direct and indirect impacts of banking activities on the community and the environment, how to minimize and mitigate the environmental footprint of internal operations, and how to account for various types of environmental and social risk in lending and project finance. They also introduce sustainable banking products and strategies being adopted by industry leaders, such as responsible investing, social finance, and impact lending.

Meet Darrin Williams: Chief Executive Director of Southern Bancorp, Inc. (USA)

Meet Darrin Williams: Chief Executive Director of Southern Bancorp, Inc. (USA)
Darrin Williams’ career is a unique combination of law, business, and politics. Presently, Darrin serves as the CEO of Southern Bancorp, Inc., where he oversees the activities of all three of Southern’s companies. Southern is one of  the most effective and largest community development organizations in the United States, as well as a model for an entire industry of mission-focused financial institutions known as Community Development Financial Institutions. Southern is a $1.2 billion asset organization with over 80,000 customers and 43 branches located primarily in underserved markets in the Mid-South.  Prior to joining Southern, Williams served as Speaker Pro-Tempore in the Arkansas House of Representatives and as the managing partner of the law firm of Carney, Williams, Bates, Pulliam & Bowman, PLLC, where he focused on representing aggrieved investors and consumers in class action litigation against some of the nation’s largest publicly traded companies. On the web at www.banksouthern.com

Williams also served three terms of elected office in the Arkansas House of Representatives, serving as Chair of the House Judiciary Committee and Speaker Pro Tempore of the 89th Arkansas General Assembly. He has been recognised nationally for his legislative work, including being named a 2013 Champion of Small Business by the National Capital Coalition, an Aspen-Rodel Fellow in Public Leadership by the Aspen Institute, and selected as one of 12 state legislators from around the country to watch by Governing Magazine.

In 1986, then Governor Bill Clinton and the Winthrop Rockefeller Foundation announced an initiative to end decades of economic decline in rural Arkansas by creating new trends of investment in people, jobs, business and property. Southern Bancorp, a community development bank holding company, and its family of nonprofit development affiliates would emerge from that initiative. A consortium of private foundations, governmental entities, corporations and concerned individuals would come together later that year to incorporate Southern Bancorp. Learn more.

 

Meet Marloes Nicholls:  Senior Fellow, Finance Innovation Lab, and Program Manager with Meteos (United Kingdom)

Marloes has been Programme Manager, Finance (Meteos), Director of Money Comms Lab and lead researcher for BankingFutures. Marloes provides advice to campaigners and students working on alternative finance and economics. Marloes has conducted workshops and lectures in a variety of fora, including the International Cooperative Alliance World Expo, the Pisa Internet Festival, OIKOS, the Skoll Centre for Entrepreneurship, and a number of financial institutions.

Marloes has a wealth of experience working on social change, including co-founding the campaign Move Your Money UK and working at Oxfam on global campaigns and policy. At Oxfam, she was a divisional project manager and supported the development and evaluation of major high profile campaigns, including work on Oxfam’s climate change policy and campaigning.

Marloes continues to participate in grassroots, creative activism in the UK, and is particularly interested in drawing on the arts and community organising to provide accessible ways for the public to engage with money and the financial system. Marloes is also an active member of the New Economy Organisers Network (NEON) and guides Occupy London Tours of Mayfair.

In 2015, Marloes was invited to become a Senior Fellow of the Finance Innovation Lab, in recognition of her work towards creating a more democratic, fair and responsible financial system.

An economist by training, Marloes graduated from Nuffield College, University of Oxford, with a Masters of Philosophy in 2011 and received a first class bachelors in Philosophy and Economics from the University of Bristol in 2008; where she specialised in Game Theory. She worked as a research assistant for notable professors and politicians during this academic period. Learn more.

 

Don’t forget to tune into Building Banking on Values. My VoiceAmerica radio show airs on Thursdays 15:00 PDT on the Business channel. Learn more.

 

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www.linkedin.com/company/global-alliance-for-banking-on-values

http://financeinnovationlab.org/

https://www.facebook.com/SouthernBancorp/

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https://www.linkedin.com/company/2598280

https://www.linkedin.com/groups/3873084/profile

http://www.meteos.co.uk

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