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What is Green Investments?

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Explanation of Green Investments

Corporations, private equity firms, hedge funds, and individuals can raise funds for green investment. Typically these funds are raised in securities, mutual funds (MFs), electronically traded funds(ETFs), and bonds. According to a report prepared by Global Sustainable Investment Alliance, nearly $31 trillion was held under various green investment instruments, constituting around one-third of the globally held assets under management in 2023.

Example of Green Investments

Now, let us look at some examples of green investments available as investment funds or ETFs for various investment opportunities.

Water Stock: Calvert global Water fund, Allianz gi water fund, first trust water ETF, Invesco Global Water Portfolio ETF, Invesco Water Resources Portfolio ETF, Zacks Global Water Index, iShares U.S. Utilities Index ETF, and Invesco S&P Global Water Index ETF.

Wind Power: First Trust Global Wind Energy ETF.

Solar Energy:Invesco Solar ETF,

Pollution Control: Invesco Cleantech ETF andVanEck Vectors Environmental Services ETF.

Water Stock: Pacific Gas and Electric Company, Idacorp Inc., and Brookfield Renewable Partners.

Wind Power: General Electric, Siemens Gamesa Renewable Energy, NextEra Energy Partners, and Vestas Wind Systems.

Solar Energy: First Solar Inc., JinkoSolar Holding Co. Ltd., Sunpower Corp., Enphase Energy Inc., Vivint Solar Inc. andSunrun Inc.

Waste Reduction: Republic Services Inc., Covanta Holding Corp, and Waste Management Inc.

Opportunities of Green Investments

There are several avenues of green investments, and some of them are briefly discussed below:

Green Power: Today’s world faces the dire consequences of major climatic change. In such a scenario, a source of power generation for homes and industries without using fossil fuels is like a knight in shining armor. As such, it is attracting a growing number of investors every day.

Water Stock: One of the most important natural resources available to humans. The climate changes in the last couple of years have resulted in growing fear among the people that they may eventually run out of fresh water. As such, considerable investment has been made in the sustainable collection, purification, and distribution of water.

Wind Power: It is one of the fastest-growing renewable energy sources that has grown 75 times over the last twenty years. China, the US, and Germany are the front runners, with an installed capacity of 217GW, 96GW, and 59GW, respectively. Recently, many investors have been interested in wind farms or considering the companies producing wind turbines.

Solar Energy: It is another source of renewable energy wherein energy from sunlight generates power, mostly used for domestic purposes with limited industrial use. In the last couple of years, the sun has risen in this industry as investors have focused on companies that manufacture solar panels and other related products.

Pollution Control: The only way to control pollution is to reduce pollution. As such, the government has been concentrating on reducing greenhouse gas emissions from industrial set-ups, abatement of vehicle emissions, etc. To implement such large-scale measures, the government requires support in the form of investments.

Waste Reduction: With the change in lifestyle, the need for waste reduction has increased manifold. Most of us know the things that can be recycled, but there has been a large increase in the number of products (e.g. cell phones, batteries, etc.) that can’t be recycled. In this case, it is important that we reuse them and reduce the accumulation of such waste. As such, there is a growing business surrounding these recycled items, which involves huge investments too.

Importance of Green Investments

Green investments are important because the world is transitioning to green practices, including waste recycling and power generation through wind and solar. Everyone is aware of the ill effects of climate change, and most are taking a keen interest in solving the issues at hand. In other words, green investments can be the way to ease the burden that humankind has placed on the environment.

Advantages

Green investment can attract a good amount of public attention owing to awareness and interest, making fundraising much easier.

Owing to healthy demand, the borrowing costs of green investment are usually on the lower side.

Most of green investments enjoy the benefit of tax exemption.

At times, there is no clarity regarding the purpose of the investment.

Currently, most companies are in their initial phase, which results in low revenues and exorbitantly high valuations. This makes the investment in such companies riskier.

Conclusion

So, by now, you should be able to appreciate that many investment options are available if you are interested in green investments. You can opt for individual companies or other investment instruments like MFs, ETFs, bonds, etc.

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Going Green: The Ups And Downs Of An Eco

Every day, several hundred thousand people drive to work in Boston. And last spring, after moving into the heart of Dorchester, I became one of them.

I’m not proud of this. According to statistics from the U.S. Department of Energy, thousands of Massachusetts vehicles contribute to the more than 31 million metric tons of carbon dioxide that annually flood our atmosphere. So, when BU Today decided to publish a series on green living, I volunteered to take public transportation to work three days a week. During my five-week commuting experiment, I tracked the trade-offs — time, expenses, carbon footprint, and mood. Both commutes scored their victories, but in the end, the numbers favored public transportation. Still, if my five weeks on the road and the rails taught me anything, it’s that lifestyle decisions go way beyond the numbers.

As the crow flies, my home in Dorchester is just 4.5 miles from my office. My commute, however, is a 26-minute, six-mile tangle of surface streets. Add eight minutes to that because I park at a meter a quarter mile away until it’s legal to park on the street in front of my building. Driving home during rush hour takes longer, thanks to Boston’s abundance of one-way streets and no-left-turns that force me into a 43-minute, seven-mile route.

Pretty shabby. But the MBTA is worse. Our hub-and-spoke subway system forces me from Red Line to Green Line, eating up about an hour each way. Over five weeks, this led to more than seven hours of extra commuting time.

Biking to work, as 1.4 percent of Bostonians do, isn’t an option. Those cyclists are either far braver than I, or their routes aren’t crowded with buses and peppered with double-parked cars. Besides, there’s no shower in my building, and after such a harrowing ride, I know I’d reek.

So, it was either drive or take the T, and I was eager to find out how my choice impacted our planet. After all, according to the U.S. Environmental Protection Agency, transportation accounts for one-third of the carbon dioxide emitted from fossil fuel use in the United States — the most of any economic sector.

The good people at chúng tôi an online guide to green living, say the average passenger car emits one pound of carbon dioxide per mile. But I don’t drive the average passenger car. I have a 2003 Subaru Forester, also known as a small SUV, and according to chúng tôi a service of the U.S. Department of Energy, my car emits 1.16 pounds of carbon dioxide per mile.

That means that over the five weeks I traveled by subway, 226 fewer pounds of carbon dioxide were pumped into the atmosphere by my car. And if chúng tôi is right — the average American is responsible for about 20 tons of carbon dioxide a year — I’d cut my personal contribution to global warming by nearly 10 percent if I rode the T every day.

But let’s snap out of these green dreams and get back to reality — i.e., money. A round-trip T commute is $3.40, or $10.20 over three days. The price of gas fluctuates, but a fair estimate would be $2.90 a gallon; my car gets 19 miles per gallon in the city. Thus, driving for those three days costs $5.95, which doesn’t include feeding the meter ($4.50 a week). That brings the total to $10.45 a week, just 25 cents more than the T. Still, there are other costs associated with driving. For instance, two new tires set me back $250 (the old tires had to be disposed of — another green demerit).

I was also tagged with a $25 parking ticket, which brings me to my final metric: mood. In general, while the majority of Americans get to work by car, they’re not happy about it. And the commute’s not getting any easier. Between 1982 and 2005, worsening traffic congestion increased the average annual delay for rush hour drivers from 14 to 38 hours, costing the American economy $78.2 billion a year, according to the 2007 Urban Mobility Report by the Texas Transportation Institute. The report ranks Boston as the 12th worst commute in the country.

It’s a grim scene, particularly because driving has never held much romance for me, especially in this town. My abysmal sense of direction and penchant for turn signals make me ill-suited for Boston’s streets. All things being equal, I’d rather walk or take the T.

However, you have to like people to ride the subway during rush hour. More specifically, you have to like standing really close to a lot of people for a long time. Boston has an extensive public transportation system, but it’s overbooked. Recent figures from the Boston Metropolitan Planning Commission reveal a subway system operating at about 185 percent of capacity during rush hour. Reading is a juggling act, and even space-out time is hampered by constant jostling.

In the end, I was surprised by how quickly I had become addicted to driving to work, considering I’d only been doing it for a few months before beginning my green-living experiment. Even taking into account the aggravation of traffic, the cost of gas and vehicle upkeep, and the knowledge that I’m contributing to the warming of our planet, I craved my own space during that half hour between home and work, and I found myself greedy for the time I could save on four wheels.

Still, when September brought more vehicles and a road resurfacing project to my route, I decided to continue taking the T once or twice a week. The other day, a drive to work that began at 7:05 a.m. took me a full hour. So I’m not ready to give up my Charlie Card just yet.

Chris Berdik can be reached at [email protected].

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Types And Benefits Of Recourse Loan With Example

What is a Recourse Loan?

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Key Takeaways

Some of the key takeaways of the article are:

A recourse loan is a financing instrument in which the lender can seize the collateral and any other assets in the defaulter’s name to recover the debt money.

Examples of other assets include other bank deposits, income sources, etc.

A recourse loan is backed by collateral and the borrower’s liability. Hence, the lender has to assume significantly lower risk in this type of loan.

Although there are many different recourse loans, the two most common types are hard money loans and auto loans. Not all mortgages are recourse loans, but the hard money loans in real estate purchases are recourse loans.

Examples of Recourse Loan

Let us now look at the following example to understand the concept of recourse loans.

Four years back, John got a stable job in a multinational company with an annual package of $75,000. Three months after joining the job, he purchased a house worth $300,000 in the countryside. However, when he checked his savings account, he realized that he had a savings of $60,000, which he decided to use as equity in this real estate purchase. So, he approached a bank for a housing loan of $240,000.

Unfortunately, today John defaulted on the bullet payment, and the lender immediately seized his house for foreclosure and subsequent recovery of the debt from the sale, resulting in proceeds of $75,000. So, the remaining $75,000 (= $150,000 – $75,000) plus the interest cost will be recovered through garnishment, wherein the outstanding loan balance will be directly deducted from his monthly paycheck until the entire loss amount is settled.

In this way, the recovery of losses occurs in a recourse loan when the borrower defaults.

Types of Recourse Loan

Hard money loans: In the case of a real estate acquisition, a hard money loan is considered a recourse loan because its terms give the lender the right to take possession of the borrower’s property after default and then resell it for a more significant gain.

Auto loans: Since the value of automobile cars depreciates over a period, which exposes the lenders to the risk of adequate recovery in the event of a default. Hence, most auto loans are recourse loans in nature.

Benefits of Recourse Loan

Some of the significant benefits of a recourse loan are as follows:

Some assets adequately back it in the form of collateral. Besides, there is the total liability of the borrower, which means that the lender doesn’t need to bear too much risk.

Borrowers get recourse loans as per their credit profile and financial position. People with good credit histories are offered favorable interest rates, while those with poor credit histories can get the loan on the back of their unlimited liability.

With such flexibility in lending terms, these loans result in the maximum flow of money in an economy through more frequent and easy lending.

First, the borrowers who default on a recourse loan may lose much more than the collateral provided because the lender invariably goes after the borrower’s other assets and income stream to recover the outstanding loan balance.

Further, the borrower who fails to repay a recourse loan loses not just the money, but such an event can be a very traumatic experience for them. It can get tricky for them to cope psychologically.

Conclusion

So, it can be seen that a recourse loan is a binding debt financing instrument that secures the lenders and makes their life much easier. But, on the other hand, it is not so favorable for the borrowers as they may be exposed to severe consequences in the event of a default. Hence, borrowers should consider all the aspects of the loans before signing up for any recourse loan.

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Understanding The Importance Of Windows Task Manager

Understanding The Importance of Windows Task Manager What is a Window Task Manager?

A Windows task manager is a monitoring tool in Windows that contains details of running programs on your computer. This tool displays process graphs, resource usage, memory consumption streaming in the background.

There are various ways to open Windows task manager. You must be familiar with many old school methods which include keyboard shortcuts too.

The easiest method to open this tool is to press

Ctrl + Shift + Esc

keys on your keyboard together.

Another easy way to start the task manager is by pressing

Ctrl + Alt + Del

together on your keyboard. A window will appear with different options. Choose Task Manager among them.

Let’s catch on the various tabs of Task Manager-

1. The Processes tab

2. The Performance

The actual time charts show the overall usage of memory, network, disk, CPU resources of your system. At the bottom left of this tab, there is a link of Open Resource Monitor which can guide to look at the report that Task Manager does not give. 

3. The App History

This tab reveals the complete history of Windows applications that have run on your computer. You can also remove the usage history of applications at any time from this tab but if you are not using any application and that app is consuming system resources, you can easily stop it from happening.   

4. The Startup

5. The Users

This tab will tell you the currently logged users into Windows 10. If the system has a single user, then it will display the rank with their functioning processes. You can also find out whether the specific account is creating the system work slowly.

6. The Details

This tab allows a variety of knowledge on running processes on your PC that processes and performance tabs can’t show. You can end the task and restore system resources with this tab.

7. The Services-

This tab is the last part of the task manager and it enables all the running functionality in your PC. If you are facing any issue with running service, then you can easily disable the functionality. You can stop/start/restart services.

What To Do If The Task Manager Is Unable To Launch?

Many of us have reported that we had an issue while launching the task manager. It was either unable to respond or maybe we couldn’t find any other way, to begin with.

Find the number of resolutions that can help you out with this issue.

1. Start with creating another account in Windows 10.

There may be possibilities of error in system profile or the administrator hasn’t given you access to perform some activities on the system. To cover up this issue, you can try and check to make a local account with the following steps.

After signing in, check whether the task manager is working on this account or not.

2. Check the latest windows updates

Sometimes there are a lot of OS updates that keep on waiting to get updated. These out-of-date updates may disrupt in launching the task manager.

To find out the pending upgrade-

Once you update your system, restart your PC and check for the task manager.

3. Activating Task Manager From Different Methods.

Start With CMD Command

Press Windows + R simultaneously and type Regedit.

A new window will appear. Locate the below path on the left pane.

HKEY_CURRENT_USERSoftwareMicrosoftWindowsCurrent VersionPoliciesSystem

Restart your system and check the issue again it’s solved or not.

By using the Group Policy Editor enabling The Task Manager.

The Group Policy Editor is a powerful utility tool which helps you to regulate local policy settings. If the task manager is disabled, you can enable this tool.

Press down

Windows + R

together and type

gpedit.msc

and enter.

Find this path on the left pane in a new appeared window. 

We chose Enabled and applied settings, so the group policy can defeat any settings made by any outer application or malware. Press OK for desired changes. Restart your computer for the reforms to take place.

5. Checking by System File Checker

The System File Checker is used to find and diagnose corrupt files present on your computer.

Search command prompt on the search dialogue box and Run as Administrator.

Enter the following command –  Dism.exe /online /Cleanup-image /StartComponentCleanup dism / online / cleanup-image /restorehealth sfc /scannow

After finishing this process, restart your computer and check for task manager.

You can check some other quick fixes on your system such as-

System Restoration

Inspection of malware

Uninstalling third-party applications and anti-virus software.

Windows reinstallation

Final Word Quick Reaction:

About the author

Harshita Singh

Rising Importance Of Visual Search In Digital Marketing

Our minds process visual pictures faster than textual data. This carries forward into Internet utilization, with users liking to see content instead of reading it. Numerous surveys and studies demonstrate that visual content is more intriguing and interactive with users than some other type of content. From planning a site to selling a product on the web, the visuals deliver the most significance for the visitors and work as a litmus test for the quality of the product. As computer vision AI develops and computers start “to see and comprehend” pictures better, visual search implementation and usage is developing in popularity. Attire and home goods leaders are building visual search within their sites and mobile applications to make product discovery easier and increase conversions. Brands in the ecommerce business space need to get ready to fuse it in their digital shopping experience to exploit the move in users search habits. Organizations need all the tools they can get to keep customers occupied with the competitive retail environment. Visual search technologies could help eCommerce brands gain the edge they need to engage customers and all the more critically make purchases. Such tools permit customers to discover things that match photographs of comparable products and narrow their searches based on visual characteristics. Visual search simulates perusing through racks at physical stores and can utilize one photograph to assist clients with finding the garments and embellishments that famous people are wearing or dozens of more affordable, similar items Organizations are observing this and are along these lines actualizing related tools. Retail mammoth Target incorporated Pinterest Lens into its mobile application, for instance, and youthful adult attire brand Forever 21 consolidated artificial intelligence (AI) with visual search, permitting it to offer mobile and online customers progressively customized outcomes. The latter detailed an increased average purchase size of 20% for digital clients following this implementation. Attire brand Tommy Hilfiger updated its search features in September 2023 to incorporate a visual business function for its digital customers. These retailers are hoping to utilize visual search as a dependable balance as the market shifts and more youthful ages represent more customers. Recent research found that 81% of Gen Z customers despite everything lean toward physical shopping, in any case, making visual search tools even more significant for retailers depending on digital channels. Visuals give ease to the buyers and E-Commerce retailers when they embed a particular request in the search box. A variety of pertinent pictures face an inquiry, making it simpler for the user to browse among them. This likewise makes searching simpler for customers who neglect to clarify their search in words. An image of the related object in a situation like this resolves the issue. The reason for the visual search is to change the manner in which a product is looked through on the web. An office or retail location can hire a web designer to fill the need for a product’s online optimization. A designer will expand the utility of a product by improving its features in the supporting images. One must be quite certain with the keywords when entering them in the search box. This goes down to the color of the image being searched. This truly helps both the purchasers and retailers in acquiring their ideal outcomes. Visual images have an attractive impact that increases the number of guests to a site. Despite the significance of visuals, it can, in any case, be safely said that visual information does multiply the number of visitors. However, it isn’t totally going to swap the requirement for text-based search. The keywords to scan for an image are written in the content. In this way, visuals won’t fill in for a text-based search. However, they are surely an all the more incredible asset to pull in the attention of a group of people. Considering that visuals are more attractive to locate than some other type of material, entrepreneurs and business people must depend on images to take into account their guests as it is more customer-friendly.

Types And Criteria With Example

Definition of Non-Controlling Interest

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Explanation

The portion of the interest is left out after the holding company’s claim. For example, Zee Ltd wants to acquire 60% of the equity shares of B Ltd, so in this case, out of 100% holding of B Ltd, 60% will be given to Zee. Now Zee will be the holding company, and the rest of the shares % which is 40%, will be considered as Non-controlling interest. They will not allow to manage any company affairs and not require interfering in the company’s decisions. Sometimes a situation arises when there are losses in the company, so in that case, the losses which apply to the It is combined subsidiary may exceed the non-controlling interest of the single subsidiary. The non-controlling interest holders get the share as per the confined % of the controlling interest they share in the company.

Example

Solution:

Particulars

Total

Holding Company

Controlling Interest (80%)

Non controlling interest ( 20%)

Share Capital    800,000.00                     640,000.00             160,000.00

Reserve      60,000.00                       48,000.00               12,000.00

   860,000.00                     688,000.00             172,000.00

Types

There are two types of non-controlling interest: direct non-controlling interest and another is Indirect non-controlling interest.

In direct non-controlling interest, the minority shareholders, i.e., those who are non-controlling interest bearing in the company, will get the profits to share of pre and post-acquisition. In contrast, in the case of indirect non-controlling interest, only post-acquisition profits are shared with the minority interest holders, and the pre-acquisition profits are not shared. The non-controlling Interest holders get a share of this distribution as per their controlling interest percentage in the company.

Criteria for Non-Controlling Interest Recording of Non-Controlling Interest

First of all, we must find that the acquisition is on which date.

Then find out the company which acquires and the company which is acquiring.

Calculation of Pre-acquisition and Post-acquisition profits are done.

Calculation of Pre-acquisition and Post-acquisition of reserves and surpluses are done.

In the next step, the distribution of profits takes place.

The Minority Interest record is under the head of Equity and Liability.

Minority Interest is separately recorded in the Balance sheet with its own name.

Advantages

Non-Controlling Interest holders can anyway get access to the company’s financial books.

Taking a small share as a minority interest holder in a very emerging business can help the growth of individual investors.

The Non-Controlling Interest holders can see the business developments and get an insider’s view to plan their investment in such a way.

In most cases, the minority interest holders gain a huge average return on their funds since they know the company’s norms.

The risk also subsides because a huge investment does not require from the minority interest holders, and thus they can enjoy the benefit of the low risk and more gains on returns.

In the case of a business sale, the minority interest holder can sell part of this stake without many legal complications.

Conclusion

It is a very wide term. Minority shareholders of the company are not allowed to participate in the company’s meetings, but sometimes they can make a decision for the board members. If the board’s performance is not satisfactory, then the minority shareholders can ask the board to take action against them. In the corporate, the minority interest holder meeting and voting can be very influential. Non-controlling Interest holder also makes huge profits and returns on their investment in the company. They make very little investment per the company’s emerging business but can gain huge profits. Non Controlling Interest also gets their share in case of an acquisition. It is given emphasis in the Balance Sheet and is shown as a separate item.

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