With the increased awareness of the impacts of trade on the environment and economy, modern consumers have been concerned more than ever with the environmental, ethical financial and social impacts of goods and services. The decisions we make, the products we consume and the services we choose can have severe consequences on our quality of life. There is a large variety in the products we can purchase and it is essential we choose the right ones, with other factors besides price taken into close consideration. Financial Matters- To many families, purchasing their first home indicates taking out a mortgage and paying off the sum over a number of years. There are many types of mortgages, suited to all kinds of needs. Finding the right one can be tedious at first but in the long term, can save a lot of money. For example, variable interest rates appeal to many people because of the chance that if interest rates drop, so will your repayments. In the long term however, if the interest rates go the other way and you have insufficient money to make repayments at the agreed time period......

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