Living Me to We. Craig Kielburger
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Название: Living Me to We

Автор: Craig Kielburger

Издательство: Ingram

Жанр: Дом и Семья: прочее

Серия:

isbn: 9780978437558

isbn:

СКАЧАТЬ on green and affordable housing projects in Vancouver. He thought he was pretty up-to-date on environmental and social issues – until he took a closer look at his RRSP. Why was a tobacco company in his portfolio when his father died of lung cancer? But his advisor was more interested in rates of returns than feel-good finances. So Dennis made a move – to an ethical investor. Today Dennis’ portfolio is stuffed with SRIs (socially responsible investments) such as housing trusts and green technology. If Dennis wants more information on a company’s background, his advisor outlines its past. If he questions a certain holding, his advisor explains how ethical shareholders and investors leverage holdings to get a company to improve its record. Together they’re figuring out a better roadmap for how to invest.Could it be that the Gordon Gekko era of “greed is good” is fading? Today, ethical investing is a $609 billion industry in Canada. Socially responsible companies are increasingly seen as better value for money over the bad boys of the investing world. The logic runs like this: companies that treat workers well or upgrade environmentally will avoid major costs when government regulations and other restrictions kick in later. Today, traditional holdings earn nearly the same as ethical stocks. For every early adopter like Dennis, who would choose the common good over profits regardless, ethical investment options continue to expand. We can increasingly make a buck and do good at the same time. Speak to your advisor about SRIs or turn to the Social Investment Organization’s cross-Canada listings for advice. Get informed and don’t be afraid to ask the tough questions.

      THE STEPS TO SOCIALLY RESPONSIBLE STOCKEach industry has its own environmental or social issues to wade through. Ask your advisor which companies are leaders or laggards when it comes to instituting changes.Raise the topic of corporate social responsibility with your advisor. It’s his or her job to know.You can’t just walk into any old bank branch and talk investments. All major banks have a special investment branch. Make an appointment there.

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      MY WAY OR THE HIGHWAY

      Figure out whether your advisor can help you in your pursuit of socially responsible stock

      DO YOUR HOMEWORK: KNOW THESE TERMS

      ESG: Environmental Social GovernanceYour advisor may refer to ESG, which stands for Environmental Social Governance factors and look at the long term of investment.

      “Best in Class”Also called “industry agnostic,” the “best in class” approach singles out and excludes the least responsible players within a certain industry.

      Source: Jantzi-Sustainalytcis.

       GO TO PAGE 161 FOR MORE TIPS AND INFORMATION

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      Paperless Finances

      Get Your Bank On

      THE TRIP TO THE BANK MACHINE is rarely fun, especially when it spits out a piece of paper confirming your ever-shrinking account balance. But stop to consider the paper evidence of that transaction. Many of us choose to print a receipt almost unconsciously, but that adds up to an estimated 16.5 million trees every year. That’s a whole lot of lumber just to hear you’re broke. Again.But believe it or not, bank receipts are one of the top sources of litter in the world and Canadian forests are paying the price. Along with Russia, Canada has the most forests in the world and the worst track record for clear cutting them: 90 percent of our logging comes from old-growth Boreal trees that take 200 years to regenerate. Every year, a swath of forest larger than Prince Edward Island disappears from Alberta, British Columbia and Ontario. And yet, that recycled icon that pops up on books or tissue dupes us into thinking the paper abundance comes from sustainable or recycled sources. That’s the exception, not the rule.Paper hounds our every move, whether we want it to or not. Tell the cashier you don’t want a receipt – too late, it’s already printed. Remember to say you don’t need cutlery with a take-out order, then find a wad of napkins stuffed in the, gulp, paper bag. Instead, call the shots when you can. Skip the paper receipt at the bank machine or display the balance on screen (not recommended at dodgy street corners late at night, of course). Lose the paper trail with all your financial activities. Electronic tax filing is greener and more accurate anyway. With banks beefing up online security and often reimbursing customers for any losses through fraud, it’s safer than ever to choose Internet banking. With mobile banking catching on to a smartphone near you, the bank machine will soon be out of the picture entirely! Unfortunately, that depressing bank balance might stay the same.

      CLEAR-CUT ALTERNATIVESLook for the Forest Stewardship Council (or FSC) mark on all the paper you purchase. This is the most trusted mark of good forest management in the world.Ask your boss to switch to recycled paper at work.Think before you print. If you do hit print, use both sides of the page.Switch to automatic deposit for your paycheque.Purchase tax-filing software and do your taxes electronically.Sign up for paperless credit card, bank statements – and even avoid the mailed bills for magazine subscriptions or gym memberships.Do away with paper cheques by signing up for email money transfer technology.Keep a collection of reusable paper around the house.

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      SKIPPING THE PAPER

      Source: The Green Book.

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      Anyone can

      be a Philanthropist

      Stretch Your Pennies

      THESE DAYS THE WORD “PHILANTHROPIST” is often associated with a Bill Gates billionaire-type bequeathing a mega fortune on multiple charitable causes. But in the dictionary the word still keeps its humble meaning: someone with a love for humanity. At Free The Children we meet philanthropists every day; oftentimes it’s a 12-year-old cradling a jar of hard-won pennies. Soon after, an all-call email gets sent out: “Hey team, who wants to roll pennies this lunch break?” In the non-profit world where a dollar can mean the difference between a child learning in a classroom or working in a field, every penny counts and must be counted! It’s time for us to take back the word “philanthropist.” With the help of a few tried-and-true tips to stretch those pennies further, we can all turn chump change into СКАЧАТЬ