Business
5 Questions To Ask About Financial Sustainability
Published
3 years agoon

When it comes to financial sustainability, you’re going to want to know as much as possible. As the negative effects of climate change exacerbate, financial sectors are (finally) starting to shift their investments toward Environmental, Social, and Governance (ESG) considerations.
Sustainable finance is the process of taking ESG considerations into account when making viable investments. That means putting money into companies that develop renewable energy, hire and promote employ members of marginalized communities, and infrastructure that will help protect humans in at-risk environments.
This is a very serious, very complicated issue that we are running out of time to meaningfully tackle. There is also the risk that many of these efforts are performative (see: greenwashing), we have to make sure we are keeping those in power accountable.
Once again, we bring in our favorite finance expert, Danetha Doe Chief Economist at Clever Real Estate and creator of Money & Mimosas. There is a lot to consider when financing sustainability – and she’s here to break it down in a digestible way.
Here are 5 questions you should ask when considering financing sustainability, as explained by Danetha Doe.
Are these investments profitable? Or is this just charity for rich folks to pat themselves on the back?
Imperial College of London’s business school ran a multi-country analysis comparing the returns from each country’s largest fossil fuel and renewable energy stocks over the last 10 years. They found that renewable energy stocks delivered higher returns for both 5 and 10-year time periods.
Some people such as Kara Swisher and Chamath Palihapitiya think the next trillionaire will be someone that cracks a major problem in green energy. And for better or for worse, Elon is the richest person in the world based primarily on Tesla’s value.
All this to say, the answer is YES. You can care about the planet and make money at the same time.
Will these investments actually help the environment in tangible ways? How soon?
Broadly, yes, these investments will help – and are helping – the environment in tangible ways. Investing in solar panels, rainwater harvesting, and electric vehicles while divesting from fossil fuels will help to reduce the pollution from power plants.
The timeline of course correcting the damage that has already been done depends on a lot of factors. addition to investments from individuals, we need governmental bodies, Wall Street, and other parts of the private sector to continue to get on board.
President Biden’s Inflation Reduction Act includes environmental measures that will go a long way to support climate change efforts. The fashion industry, one of the biggest pollution culprits, has started to place a bigger emphasis on resale which will help to reduce waste. Wall Street has pumped out ESG funds that are more greenwashing than helpful, so we will need to hold them accountable.
As an individual, the way you choose to spend and invest your money will go a long way because it will force corporations to prioritize sustainability efforts.
Will taxing the wealthiest people their fair share help? Would something like a ban on private jets help?
The short answer is maybe. The corporate tax structure may need to be reviewed, but I’m a bigger fan of adding fees to resource use to cover the externalities and then redistributing those funds to climate change efforts. For example, Kourtney Kardashian exceeded her water allotment budget by 101,000 gallons in June. Instead of increasing her base income tax percentage, maybe there’s a fee of $1,000 for each gallon over the allotment budget. The $101,000,000 fee is then redistributed to technology companies solving the freshwater scarcity crisis.
Instead of banning private jets, you should have to pay a carbon fee for each ride. These fees might not stop the behavior, but they could finance the changes needed to get us to a greener future.
There are wealthy people who are actively trying to help with climate change efforts. Instead of penalizing all of them with a blanket tax, I suggest adding fees to resource use.
What kind of expenses will we be looking at if we fail to address climate change?
Deloitte’s report shows that inaction will cost the U.S. economy $14.5 trillion by 2070. Utility officials in Illinois estimate the warmer summers could cost locals an additional $11 billion over the next 30 years. By 2040, extreme heat in Arizona could add up to $110 to residents’ electric bills each year, according to the Environmental Defense Fund.
The Federal Reserve Bank of Chicago predicts homeowner’s insurance premiums to rise due to climate change. In fact, some insurers have already stopped covering parts of California deemed too risky because of wildfires
Why me? Why do I have to make these changes? Should it just be the corporations since they’re the ones ruining the world?
This is an all-hands-on-deck scenario. Corporations should be held accountable, but they do respond to your spending and investing decisions. Greenwashing wouldn’t exist if corporations thought no one cared about the environment. At the very least, be selfish and think about the fact that the quality of the environment directly impacts you. The more you do your part, the greater chance you’ll have at being able to enjoy the beautiful outdoors without worrying about fire smoke ruining your lungs or extreme flooding wiping out your island vacation home.
Where Do We Go From Here?
Investing in ESG is critical – but we have to be selective where we divest and relentless in our pursuit to ensure accountability. Further things to consider when financing sustainability are:
- Are these ESGs contributing to organizations or projects that counteract environmental harms perpetuated by the company? Or are they arbitrary investments that let them greenwash their reputation/only investments that provide “accreditation” over genuine impact?
- Are ESGs investing in genuine solutions, or projects that perpetuate inequities and environmental harm?
- Are companies engaging with ESGs also changing their own practices? Probably not: “They found that the companies in the ESG portfolios had worse compliance record for both labor and environmental rules. They also found that companies added to ESG portfolios did not subsequently improve compliance with labor or environmental regulations.”
- Also – looking at ESG investments relative to a company’s other investments is imperative.
We send many thanks to Danetha Doe for her expertise in the financial field and her lovely disposition. Be sure to check out Money & Mimosas for other financial tips!
Big thank you to Molly Blondell for her perspective on sustainable finance as an expert in the field.
We can solve the climate crisis – we have a lot of work ahead of us. Get involved in your community, start in your neighborhood. Organize a clean-up, press your local officials to get serious about recycling programs, any little thing you can do helps.
Let’s get to work.
Chris Blondell is a Philadelphia-based writer and social media strategist with a current focus on tech industry news. He has written about startups and entrepreneurs based in Denver, Seattle, Chicago, New Haven, and more. He has also written content for a true-crime blog, Sword and Scale, and developed social media content for a local spice shop. An occasional comedian, Chris Blondell also spends his time writing humorous content and performing stand-up for local audiences.

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Business
What’s the Best Graphic Design Service for Fast Turnaround
Published
5 days agoon
December 3, 2025By
Kelli Hugh
TL;DR: Penji offers the fastest professional design turnarounds at 24-48 hours with unlimited revisions. Small business owners get agency quality without agency prices or timelines, keeping marketing moving fast.
The best graphic design service for fast turnaround is Penji, completing projects in 24-48 hours through an unlimited subscription model. Small businesses get dedicated designers, unlimited revisions, and consistent quality for $499+ monthly, much faster than traditional agencies or freelance platforms like Upwork.
What’s the Best Graphic Design Service for Fast Turnaround?
Your to-do list doesn’t shrink just because your designer is slow. Between running operations, managing staff, and actually making sales, waiting weeks for marketing materials creates problems you don’t have time to solve.
Penji delivers professional design work in 24-48 hours through an unlimited subscription model. You get dedicated designers, unlimited revisions, and predictable monthly costs starting at $499. No chasing freelancers, no agency red tape, just reliable design when you need it.
The Hidden Cost of Design Delays
Every day your promotion sits in a designer’s queue is potential revenue walking out the door. That seasonal sale you planned? The event driving traffic to your store? The website refresh that’s been “almost done” for months? Delays add up.
Most small business owners try one of three approaches: hire a local agency (expensive and slow), find freelancers on Upwork (inconsistent quality and availability), or use cheap services like Fiverr (you get what you pay for). None solve the real problem of getting quality work done quickly.
Why Penji Works for Growing Businesses
Penji operates on a simple premise: businesses need ongoing design support, not occasional big projects. Their platform lets you submit unlimited requests that get completed one at a time, with most initial concepts delivered within 24-48 hours.
The subscription model changes the economics completely. Instead of budgeting project by project and wondering if you can afford that next piece of marketing collateral, you pay one flat monthly rate. Submit as much work as you need without invoice anxiety.
Your dedicated design team learns your business over time. They understand your brand guidelines, know what your customers respond to, and remember your preferences. That familiarity makes every project after the first one faster because you’re not re-explaining your vision.
They handle everything: logos and branding, website design, social media graphics, print materials, email templates, presentations. Whatever your marketing needs, it’s covered under one subscription.
At $499 monthly for the basic plan, it costs less than hiring a part-time designer but gives you access to an entire creative team. For businesses that need design regularly but can’t justify a full-time hire, the math makes sense.
Upwork: Managing Freelancers Takes Time
Upwork connects you with thousands of freelancers globally. The selection looks great until you realize you’re now running a hiring process for every project. Reviewing portfolios, reading reviews, interviewing candidates, negotiating rates… it all takes time you don’t have.
Even after finding someone good, availability becomes your next problem. Quality freelancers stay busy, which means your urgent project competes with everyone else’s deadlines. You might wait days or weeks depending on their schedule.
Then there’s the management work. You’re handling contracts, milestone payments, file transfers, and communication across different time zones. Penji takes care of all that so you can focus on running your business.
Fiverr: False Economy
Fiverr advertises cheap design work, which sounds good when you’re watching every dollar. The reality disappoints more often than not. Decent designers charge $100+ per project and take 3-5 days minimum. Want revisions? That costs extra. Need something more than basic? Quality rarely matches the low prices.
When you add up revision fees and rush charges, Fiverr projects often cost as much as a month of Penji while delivering worse results. Paying a bit more upfront for reliable quality actually saves money by avoiding do-overs.
Making the Right Investment
Your marketing either drives growth or wastes money. Reliable, fast design support keeps your marketing running smoothly instead of stopping every time you need creative work.
Penji’s unlimited approach gives you the creative capacity of an in-house team at a fraction of the cost. Submit work when inspiration strikes, get results within 48 hours, keep your marketing calendar on track.
Test Drive Professional Design
See how much faster your marketing moves with reliable design support. Try Penji and stop letting design delays hold your business back.
Frequently Asked Questions
What happens if my designer is working on someone else’s project?
Your dedicated team manages their workload to keep the 24-48 hour turnaround. They’re assigned to you specifically, not juggling hundreds of other clients.
Can I pause my subscription during slow months?
Check with Penji about their current pause policies. Many businesses find they use it more than expected once they have it.
How do revisions work if I need them fast too?
Revisions follow the same 24-48 hour turnaround. Submit clear feedback and you’ll get updated versions within that timeframe.
Business
What’s the Best Graphic Design Service for Brochures & Flyers?
Published
5 days agoon
December 3, 2025
TLDR: For speed and affordabilities Penji is the best scalable design service that matches agency-quality results. Alternative niche options can be Kimp, LogoCent, and Design Spinners.
Did you know that 79% of consumers respond to direct mail while only 45% of consumers respond to emails? In a digital world, physical brochures and flyers reign supreme. But such creations take a learned talent. When you need the Best Graphic Design Service for Brochures & Flyers, you need someone who can keep up with your marketing team.
Below is a comparative guide to the best in the Design as a service industry.
Penji

Need some stunning brochures and flyers to create a beautiful vision? Penji is the artistic mind for you. Thousands of marketers and agencies trust Penji’s platform for unlimited print designs for a monthly flat fee.
Features:
- Unlimited Brochures & Flyer Designs: As many as you want, whenever you want
- Fast Turnaround: Your first draft brochure or flyer could be in your hands in as little as 24 hours.
- Vetted Print Designers: The top 2% of talent across the globe are there to help you with your print requirements.
- AI Platform: An AI can connect you with the most fitting designer for your campaign.
Benefits:
There’s no need to hire an agency and pay agency fees. Get creative without concern over results as Penji can scale for whatever you need, whether you need only one flyer for an event or an entire collection of marketing brochures.
Kimp

For an unlimited graphic design service that fosters beautiful print opportunities, Kimp is the ultimate all in one experience. Their subscription service is perfectly suited for entrepreneurs and small businesses, making it easy to fold into a budget.
Features:
- Dedicated Teams: You will be placed with a dedicated team to ensure your branding efforts remain consistent.
- Video and Graphics: In addition to Kimp for prints, Kimp has a Kimp option for video for motion graphic needs along with branding efforts.
- Source Files: You own all source files acquired through the process.
Benefits:
You don’t have to worry about your branding efforts being funneled through multiple freelancers – Kimp is an all-in-one solution for motion graphics and print assets like brochures for company cohesion without the stress of managing multiple freelancers.
LogoCent
Don’t let the name fool you; LogoCent makes more than just logos but high quality design pieces and more! If you’re looking for a pay-per-project option without monthly commitment, LogoCent is great for sporadic projects.
Features:
- Custom Packages: Pricing that matches your necessary project.
- Brand Identity: Logos and flyers that maintain cohesion between designs.
- Communication: You’ll have a project manager and taskmaster on hand for full assistance.
Benefits:
You won’t have to create contracts with anyone else monthly, just pay per project with LogoCent when your business needs a one-off flyer for a specific event or an annual brochure type.
Design Spinners

Design Spinners operates like a fancy ad agency without the price; they’re like a middleman between the personal touch of freelance sites and the upper scale of fancy agencies, and they specialize in brochures, flyers, and marketing pieces.
Features:
- Specialty Offers: Pitch decks, trade show materials and more!
- Pricing Levels: Basic flyer features to agency features at premium pricing levels are available.
- Strategy Focused Design: Those creating your materials will approach your project through a strategic lens to help whatever material is created find success.
Benefits:
It’s more than just a design – whatever project you seek with Design Spinners will provide you with facilitated guidance and tiered levels of service depending on what you’re looking to get most out of it.
Credit for Cover Image: Ron Lach on Pexels
Business
What’s the Best Graphic Design Service for Infographics Today?
Published
5 days agoon
December 2, 2025
Infographics are an effective tool for explaining complex ideas and making them easier to understand. Thus, many businesses use them in their content marketing efforts. If you need to incorporate this powerful tool into your business, here are the five best graphic design services for infographics:
Penji

For fast, high-quality infographics, Penji is your best bet. It offers unlimited graphic design services for fixed monthly fees. This allows you to get as many infographics, logos, social media graphics, web design, and custom illustrations as you need in a month. Unlimited revisions are also included, assuring you of the exact designs you want and need.
Visme

Now, for high-converting, engaging, and branded infographics, there’s Visme. It offers an AI-powered interactive platform where you can craft your own infographics from over 1,000 professionally designed templates. Its drag-and-drop tools let you publish your designs in minutes.
Kimp

Another unlimited graphic design platform, Kimp, can create infographics for your business for a flat fee. Its dedicated team of designers will learn your brand and style, allowing them to craft infographics and other designs that will align with your brand identity.
Canva

If you have an artistic eye, you will enjoy crafting your own infographics with Canva. It is a free platform where you can create infographics and many other design types using its templates. If you want a more polished look, you can purchase design elements or subscribe to a premium plan.
Flocksy

With the latest in design tools and an AI-powered platform, Flocksy is another graphic design service for infographics. It takes pride in delivering consistent, high-quality creative outputs aside from infographics. It offers a wide range of services, including video editing, web design, custom illustration, and even copywriting. Its simple, flat-rate pricing makes it a cost-effective design solution.
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