Financial Resources & News

Some States Will Offer Home Energy Rebates in 2024

The Inflation Reduction Act of 2022 included two provisions allowing rebates for home energy efficiency retrofit projects and home electrification and appliance projects. These home energy rebate programs are to be administered by state energy offices, with the U.S. Department of Energy (DOE) providing guidance and oversight. States are not required to offer these rebates. Many states have...

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Should You Buy an Expensive Home on Balboa Island or Near a Coastal Area?

Picture by: Steven Yamshon By:  Steven Yamshon, Ph.D., Managing Principal Balboa Island is a coastal community located in Newport Beach, California, that is popular among tourists, vacationers, and full-time residents. Prior to development in 1921, Balboa Island was a swamp with large wetlands being removed to make way for Newport Harbor. Developers dredged millions of tons of silt and...

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What are the Cost Implications and Investment Opportunities Associated with Climate Change?

By:  Steven L. Yamshon, Ph.D., Managing Principal Regardless, if global warming is caused by natural forces or by excess greenhouse gases, there is clear evidence that shows that global temperatures have been rising since 1850 (See Chart 1). Although climate change will cause many adverse effects on Earth, the impacts on real estate and agriculture could be most severe. Chart 1: Average...

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Can Metals Help to Mitigate Climate Change Effects?

By:  Thomas Steffanci, PhD, Senior Portfolio Manager I came across an interesting article in referencing a study by Citicorp that found that metals such as aluminum, nickel, steel, and copper (including the fossil fuels necessary for their production processes) can have a net beneficial effect on climate mitigation. This surprising finding was that the use of these metals can drive...

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The IPCC 6th Assessment: Should we Worry?

By:  Steven L. Yamshon, Ph.D., Managing Principal The United Nations (UN) Intergovernmental Panel on Climate Change (IPCC) just released their 6th climate change assessment and now the UN is calling for a “red alert”. Although I believe that climate change is mainly caused by human activity and there is ample evidence to demonstrate this, climate models are far from perfect. It would be...

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Congrats Dr. Steven Yamshon on your new certificate “Climate Change Awareness & Leadership”

“Continuous learning is the minimum requirement for success in any field.” – Brian Tracy We are proud of BFSG’s Steven Yamshon, PhD, for his new graduate certificate “Climate Change Awareness and Leadership”. This adds to his other degrees in environmental resources and advanced certifications in sustainability and climate change. BFSG’s Environment, Social, and Governance (ESG) investing...

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Restore our Earth and Start Reducing Your Carbon Footprint

Today we celebrate Earth Day and sticking to the theme of this year’s Earth Day, "Restore Our Earth”, this blog post is focusing on restoring the world’s ecosystems by helping you reduce your carbon footprint. Did you know that meat and cheese are some of the most carbon-intensive foods to produce?(1) Globally, 77% of agricultural land is used to produce meat and dairy and according to The Land...

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Is Pot Growing Environmentally Friendly?

Now that cannabis is legal in many states, it may be the case that pot users and investors think that cannabis is environmentally friendly, but it is not! Growing marijuana indoors takes an enormous amount of electricity, water, and chemicals. In other words, growing cannabis is energy-intensive and unfriendly to the environment. Evan Mills writes in Slate, that a Colorado Study looked at the...

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Is Bitcoin an ESG Nightmare?

If some of the Environmental, Social, and Governance (ESG) rating agencies were to apply an ESG risk rating to Bitcoin, it would probably be a laggard and would be a nightmare to assign a risk rating to. The energy-intensive process by which computers solve complex algorithmic problems to verify blockchain transactions is an undeniable “Environmental” offender, the E of ESG.1 The carbon...

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