INVESTING IN A SUSTAINABLE FUTURE:

When you invest your money, you literally create the future. Today's investments are tomorrow's ideas, products and services.

The more you support endeavors such as affordable housing, education, community health care, environmental restoration, and sustainability, the more our future will include these.

Investments in the future create jobs today; so more people can find meaningful work and gain the skills necessary for building a more sustainable society.

-- from Coop America

SOCIALLY RESPONSIBLE MUTUAL FUNDS

ENERGY & TRANSPORTATION STOCKS

WASTE MANAGEMENT, RECYCLING & MFG STOCKS

TECHNOLOGY STOCKS

FOOD & HEALTH PRODUCTS STOCKS

COMMUNITY DEVELOPMENT STOCKS

MICRO-LENDING FUNDS

100% NONPROFIT PHONE SERVICE

YOU & YOUR BANK OR CREDIT UNION

PUBLICATIONS & MAGAZINES

WHERE TO BUY CHECKS

Though Wall Street seems like an indifferent and intimidating vector of large multinational corporations and American Capitalism, it is also one financial institution where like-minded individuals can collectively come together to invest in emerging companies that could promise a more sustainable future.

There is great potential during times of high investment activities, yet it can be difficult to make decisions. After all, who else is really willing to put their money where their mouth is?

Even many Socially Responsible Investment Mutual Funds, with no shame, excuse their investments as "shareholder activism," "shareholder advocacy," or "constructive engagement." These forms of engagement can be enormously effective, but I still like old-fashioned boycotting. I am uncomfortable putting my meager savings in Coca-Cola; or, a power company that has promised to slowly divest its nuclear reliance; or, an ice cream company, whose new CEO used to work for Winchester Rifles and just altered everything good about their employee practices.

The Internet is responsible for about 33% of stock transactions. Before the "Web" individuals were forced to rely on professionals for information they can now get themselves. Free online engines, such as Quicken Stock Evaluator or Yahoo's Market Guide makes tracking any company's stock quotes and newclips nearly effortless. Online discount brokers can make your transactions as fast as a mouse-click.

Even if you have no interest in investing, but have a healthy curiosity about emerging technologies and businesses, these tools could be educational. Many enterprises started by raising money via Wall Street. Annie's Homegrown is just one example.

Investing, like any capital venture, is gambling. Carefully selecting a diversified portfolio can lower your risks. Due to the casino atmosphere of the Internet, one must be prepared for wild fluctuations. Even "undervalued" stocks can continue to nose-dive before adequate and reliable investors find them. Please check out Ecologic Investor for more information on clean stocks.

For those who do not have the time to create their own investment portfolios, there is no other choice but professional fund managers or financial advisors. Currently there are more than 150 socially screened mutual funds and hundreds of socially responsible financial professionals around the country. Coop America has an excellent Online Guide to SRI funds with ratings. You can receive Coop America publications by joining their nonprofit organization. Call: (800) 58-GREEN.

Social Investment Forum 430 1st Ave. South, #290 Minneapolis, MN 55401-1741 Phone: (612)333-8338 Issues: economics; investing. Description: "A national trade association of investment professionals and individuals developing and promoting the practice of socially responsible investing. The membership has over 750 members including institutional investors, mutual fund managers, technical analysts, foundation investors, and individual investors. Working Assets, Calvert Group, Dreyfus Third Century Fund, US Trust Company, Franklin Research & Development, South Shore Bank of Chicago, Investor Responsibility Resource Center, Scudder..." Other Resources: Coalition for Environmental Responsible Economics (CERES), a project that drew up the Valdez Principles. Newsletter; GUIDE TO SOCIALLY RESPONSIBLE INVESTING; and information clearinghouse. Tax Status: Nonprofit. Member of: Co-op America. Web: http://www.socialinvest.org

Clean Yield Group Box 1880 Greensboro Bend, VT 05842 Phone: (802)533-7178 Issues: economics; investing. Description: A family of financial management and research publications dedicated to serving the socially responsible investor. Profiles of publicly held companies that are environmentally and socially "clean". "We buy and sell in stocks and bonds on your behalf for accounts starting at $250,000." Other Resources: CLEAN YIELD, a monthly newsletter. Established: 1984. Web: http://www.cleanyield.com

With help from the GreenMoney, the following is my list of stocks to watch. There were hundreds, but I will focus on lessor known or exceptional companies. A print version of the GreenMoney Journal is available for $35 per year from GMJ, West 608 Glass Avenue, Spokane, WA 99205. They are an affiliate of the Simple Living Network.

ENERGY & TRANSPORTATION STOCKS

Cannondale [BIKE]: Manufacturers of mountain bikes, sports wheelchairs, and related products. Web: http://www.cannondale.com

Keystone Energy Services [KESE]: Marketing and retail sale of green energy. Recently announced they will set up "clean" Internet servers. Web: http://www.kese.com

Montana Power [MTP]: Non-nuclear electric utility with a commitment to environmental stewardship. Web: http://www.mtpower.com

Otter Tail Power [OTTR]: Non-nuclear electric utility that is committed to preserving the environment. Web: http://www.otpco.com

Thermo Electron Corporation [TMO]: This company makes environmental monitoring and analysis instruments, paper-recycling equipment, biomedical products, alternative energy systems, and products related to environmental quality, health and safety. When a promising technology or service is discovered, the company "spins it out" by offering minority shares in the newly created subsidiary to the public. These spinouts are described in the Thermo Family of Companies (approximately 22). [Worth a close look at all their companies. Currently restructuring and consolidating.] Web: http://www.thermo.com

Thermo Ecotek [TCK]: An environmental company involved in clean-power resources, clean fuels, and, through its biopesticides subsidiary, Thermo Trilogy Corporation, naturally derived products for protecting crops. After the successful completion of the Tabor Energy Center in Czechoslovakia, they announced a merger with Thermo Electron, which is it a subsidiary -- part of the Thermo Family restructuring. Web: http://www.thermo.com

The Williams Companies [WMB]: This energy and telecommunications company has a good environmental record. There is a company social profile at Citizen Trust's web site. Web: http://www.twc.com

ZAP Power Systems [ZAPP]: Produces electric bicycles. Many developing countries, such as China, have dangerous amounts of air pollution in their cities, caused by millions of motor bikes and scooters. China has welcomed ZAP bikes as a solution. Its presence is growing in many countries, including the US. Web: http://www.zapbikes.com

WASTE MANAGEMENT, RECYCLING, AND/OR MANUFACTURING

Advanced Environmental Recycling Technologies of America [AERTA]: Develops and manufactures a line of composite building materials from reclaimed plastic & wood fiber waste for certain specialized applications in the construction industry. Manufactures ChoiceDek residential decking from recycled materials. A new plant in Texas was just built to meet the growing demand for recycled building materials. Web: http://www.wbn.com/AERTA/

Consolidated Growers & Processors [CGPR]: FILED CHAPTER 7, February 8, 2000. The reintroduce the industrial uses of hemp is its goal. Currently focussing on soil reclamation at their Chernobyl Project to prove that hemp can remedy radioactive contamination. A unique combination of agriculture, manufacturing, and waste cleanup, it is hard to classify at this time. Web: http://www.congrowpro.com/

Eagle Environmental Technologies [EGVRD]: New acquisition, HSP, is a company that specializes in biomass combustion using its patented "Turbulator" technology. This technology, combined with the plasma system and Eagle's new milling system from EDG Engineering ("Cyclo-Mill") is expandable for reducing landfill waste and for generating power for on-site uses or resale. The HSP system can use any biomass, refuse, sludge or oil as a fuel. The diversity of the system lends itself to a variety of applications, including use at Eagle's proposed Swan Lake facility (Texas).

Environmental Products & Technologies Corporation [EPTC]: In collaboration with agricultural and engineering departments at Utah State University, Cal Poly-Pomona and the College of the Sequoias-Visalia, several demonstration of their Closed-loop Waste Management System, for use with animal wastes as an alternative for municipal waste sewer systems, have been installed. In addition, Native American spokespersons for the First Nations claim they intend to integrate this technology into their communities.

Herman Miller [MLHR]: This maker and provider of office furniture systems, products and related services has an employee stock ownership plan (ESOPs), a participative style of management, and affirmative action programs for minorities and women. The company was a winner of the 1991 Council on Economic Priorities' Corporate Conscience Award for Environmental Stewardship. You might remember this company as makers of the famous Charles Aames chairs of the 50s. Web: http://www.hermanmiller.com

Kafus Environmental Industries [KS]: purchased recycled building materials industry CanFibre ( http://www.canfibre.com ), makers of Kenaf papers, and contracts with Ford and Porsche to furnish all-natural composite interiors. Kafus Bio-Composites Inc., a subsidiary, will produce natural fiber composites, an alternative to traditional composite materials such as fiberglass. Marketed as Flexform™ mats and panels, bio-composites can be recovered, reused and recycled. Current winner of the Green Globe Award from the Rainforest Alliance. Web: http://www.kafus.com

Napier International Technologies [NIR under the Toronto Stock Exchange]: Just purchased Bio-Wash(r) Products (Canada) Inc., a manufacturer of environmentally-friendly waterborne wood coatings and paint and woodstain strippers which far exceed pending EPA regulations. The company has been responsible for creating new niche markets in this field and is considered throughout the industry to be on the leading edge of waterborne, non-solvent technology. Web: http://www.napierintl.com/

Spire Corporation [SPIR]: This company has three market areas: photovoltaics, optoelectronics, and biomaterials. Web: http://www.spirecorp.com

Startech Environmental, Corp. [STHK]: Their President, Mr. Longo, recently received the United Nations Earth Society Award for Environmental Achievement for the development of the Plasma Waste Converter (PWC)™ system and also for the Zero Discharge Award Program. They are actively demonstrating to the military the "real" expense in creating hazardous materials. The U.S. Army's Plasma Waste Converter Facility (PWCF) at Aberdeen Proving Ground is presently processing chemical weapons. The Startech Plasma Waste Converter is a new technology that will prevent pollution by safety and economically processing all solid, liquid, and gaseous wastes; organic and inorganic; hazardous and non-hazardous; even nuclear wastes - they claim, onsite. Web: http://www.startech.net

ThermoTech Technologies Inc. [TTRIF]: A Canadian-based waste management firm. US Patent Office has approved new patent for the Company's unique large-scale aerobic thermophilic waste conversion system. This covers the multiple-processes employed in the Company's third generation Thermo Master(TM) Plants. Food waste is turned into ingredients for animal feed; sewage sludge is transformed into organic fertilizer. Project in Richmond, CA. Web: http://www.ttrif.com

Toups Technology Licensing, Inc. [TOUP]: AquaFuel production process has been certified to treat a wide variety of hazardous and industrial waste liquids. The resulting gas is a viable alternative to fossil fuels that produces no harmful emissions. AquaFuel gas is produced by introducing an electricarc, similar to a bolt of lightening, under water in the presence of carbon. According to the Company's research, these hot plasma technologies for treating hazardous waste products have been receiving increasing attention as methods likely to be used in the next century. TOUP has now certified its AquaFueler Auto 1500™ as a recycling device for a number of hydrocarbon-based contaminants using its proprietary HotPlasma Distillation™ (HPDD) process. They have their fingers a many interesting pies, to numerous to outline here. Web: http://www.toupstech.com

UFP Technologies [UFPT]: This maker of cushion and molded fiber packaging and specialty foam products has a division that molds packaging from 100% recycled newspaper. The state of Iowa gave the company a grant because of the positive environmental impact. Web: http://www.ufpt.com

US Biomass Corp. [USBC[USBCP]: Formerly growers of table grapes, they are now selling off all their holdings to finance the transition to green waste management. Biomass has many uses: making ethanol, fertilizers and mulch, fuel for cogeneration boilers, and various fiberboards. Web: http://www.usabiomass.com

U.S. Microbics, Inc. [BUGS]: Creators of Bio-Raptor™. A shredder, conveyor, sprayer system used to particalize soil into small chunks that can easily be sprayed with water containing activated microbial blends - to decontaminate soil, decompose green waste, and remove odors, pathogens, and weed seeds from animal effluent. Companies with similar machines can have their existing equipment retrofitted with the proprietary Microbial Application System to utilize the microbial blends required for bio-remediation and waste processing. A machine-microbe solution that solves the application problem of providing large surface area (small particle size), proper aeration, and water and microbe application all in a mobile package! To further its use on a worldwide basis, BUGS is offering international licenses and Distributorships for selected applications in selected territories. Web: http://www.bugsatwork.com

Wellman Inc. [WLM]: This company is the country's leading recycler of plastic and synthetic fibers obtained from reclaimed polyethylene terephthalate (PET) soda bottles, film, and waste fiber.

TECHNOLOGY STOCKS

American Power Conversion [APCC]: This provider of power products and services has good environmental practices. Perhaps best known for computer backup batteries. There is a company social profile at Citizens Trust's web site. Web: http://www.apcc.com

Recyclenet Corp. [GARM]: Provides Global Access to Recycling Markets through Recycler's World, a dynamic Internet portal facilitates e-commerce trading. Web: http://www.recycle.net

Sun Microsystems [SUNW]: This supplier of computer hardware, software and services has a community development grants program and an employee community action volunteer program and seeks to use state-of-the-art environmental programs and practices. You can read about the company's "Design for the Environment." Sun also provided technical support for Milpitas High School's web page. The company is one of twenty of the country's largest companies that did not make any political contributions or operate a political action committee (PAC) during the 1995-96 election cycle. Web: http://www.sun.com

FOOD & HEALTH PRODUCTS

AgraQuest, Inc.: Discovers, develops, and markets safe, environmentally-friendly natural pesticides (biopesticides) for farm, home, and public health pest management. Currently selling $7 million in a private stock offering so it can launch the company's first real moneymaking product. Rockerfeller & Co. Fund was first in line. It's the third round of financing for the Davis agricultural biotech company, which has raised $10 million in its first four years. "Hopefully this is the last round before we go public" at the end of 2001. Web: http://www.agraquest.com

Annie's Homegrown: This maker of all-natural macaroni and cheese has been called the "Ben & Jerry's of macaroni and cheese." The company completed an unusual Initial Public Offering (IPO) of stock to its customers in July of 1996. Apparently they are no longer on the stock market but on all the market shelves. Web: http://www.annies.com

Celestial Seasonings [CTEA]: This largest manufacturer of herbal teas in the U.S. has excellent policies for minorities, women, and lesbians and gays. Web: http://www.celestialseasonings.com

Church & Dwight [CHD]: This company is best known for making Arm & Hammer baking soda. This product has long been known for being environmentally benign. The company was a winner of the 1992 Council on Economic Priorities' Corporate Conscience Award for Environmental Stewardship. Today, its products are not only used in household cleaning and personal care products but also to treat lead in drinking water, neutralize emissions that contribute to acid rain, remove surface contaminants in the food processing industry, and clean electronic circuitboards without releasing CFCs. There are not enough good things to say about baking soda!

Envirosafe, Inc. [EVSA]: A leading producer of environmentally safe (Green) cleaning products, Bioremediations and animal care products, products are available for commercial, industrial and home use.. Recently contracted Frank Lebert formally of Hewlett Packard (HWP) as an independent marketing and sales consultant to bolster worldwide sales. Targeting hotels, healthcare facilities, veterinary care centers and restaurants. Plans to set up distribution center in South and Central America. and an online catalog. Its strategic alliance with EcoSmart Healthy Properties, LLC has led to its cleaning products selection by the Sheraton Rittenhouse Square in Philadelphia PA -- a totally environmental hotel. Web: http://www.envirosafe2000.com

Gardenburger, Inc. [GBUR]: This producer of meatless, low and no-fat, and all-natural food products, including the flagship Gardenburgers, was been nominated by Business Ethics as one of the magazine's Top 10 companies. Web: http://www.gardenburger.com

Green Mountain Coffee Roasters [GMCR]: This maker of high-quality Arabica coffees is proud of its social and environmental initiatives. GMCR gives a percentage of net profits from the sale of Rain Forest Nut coffee to Conservation International and The Rain Forest Alliance. In 1997, the company received the New England Award for Innovation. Web: http://www.gmcr.com

Horizon Organic Holdings [HCOW]: Eggs on the West Coast to dairies in the UK, organic dairy is gaining popularity and Horizon is in the mainstream markets. Web: http://www.horizonorganic.com

Lifeway Foods [LWAY]: America's leading supplier of the culture dairy beverage known as kefir. It markets 12 flavors of kefir and also does a brisk business exporting kefir to Eastern Europe. Disney recently agreed to partner in a promotion of kefir. Trader Joes contracted to carry their revolutionary nutritional food product called Basics Plus. They just introduced their first non-fat kefir and fat-free farmer's cheese as well as Kefir Starter, a dry powder for consumers to make Kefir at home or in travel. Markets several varieties of drinkable yogurts, as well as low-sodium, vegetable seasoning called Golden Zesta. The Company recently launched a low-fat cream cheese substitute, "Elita". Web: http://www.kefir4u.com

Madera International [WOOD]: This company is dedicated to saving the rainforest by harvesting only mature, dying trees and replanting a tree for each that is harvested. The company also supports a non-profit Adopt A Tree Foundation. Currently its new division in Brazil, Madera Herbs and its newly acquired laboratory, is marketing 20+ herbs from the rainforest - from diet aids to sexual enhancers. Web: http://www.maderaintl.com

Northland Cranberries [CBRYA]: In 1993, this company, which is the largest cranberry grower in the world, broke away from Ocean Spray's vast cooperative. Unlike Ocean Spray, whose products are about 27% juice, Northland's are 100%. Since most taste buds cannot tolerate pure cranberry, Northland mixes it with gentler flavors like apple, grape, and pear. Recent studies have shown that cranberry juice reduces the risk of urinary tract infections in women, and some believe that it may inhibit the growth of cancer cells. Web: http://www.northlandcran.com

Odwalla [ODWA]: This fresh juice company recalled all unpasteurized apple juice products due to an outbreak of E. coli in the Fall of 1996. Since the outbreak, no clear source of the bacteria has been found by the FDA or Odwalla. The company has been praised for its quick and thorough recall response and complete openness to officials. Web: http://www.odwallazone.com

United Natural Foods, Inc. [UNFI]: The nation's largest and only publicly traded distributor of natural and organic foods serving over 6,500 customers in 47 states. It appears to be divesting its retail stores to focus more on its wholesale distribution centers. It sold three of its markets to Wild Oats and one to Mrs. Green's Natural Markets.

Whole Foods Markets, Inc. [WFMI]: Supermarket committed to quality in food, service, work environment and community contributions. Has special programs to support charities and supports organic farming. There is a company social profile at Citizen Trust's web site. June 9th they donated 5% of the day's sales from its new online catalog. Starting June 5, the site will feature information about the donation recipients in its online publication, Whole Living Magazine. Web: http://www.wholefoods.com

Wild Oats Markets [OATS]: This market chain seems to be following the same success story of Whole Foods Markets except it is primarily on the East Coast. Web: http://www.wildoats.com

Worthington Foods [WFDS]: Better known for its Loma Linda and Morningstar products, WFDS has been a pioneer in imitation meat products. They first catered decades ago to 7th Day Adventists. After the success of Gardenburger, they have begun to increase advertising of their "surprising" meatless alternatives. It will be one of six new options traded on the Pacific Exchange. Web: Worthing was bought out at $24 a share by Kelloggs http://www.wfds.com

RETAIL

Lowe's Companies [LOW]: This operator of building supply centers has 2 women on the 12-member Board (one of whom is African-American), has been named one of the 100 best companies to work for, and has an employee stock ownership retirement plan. Web: http://www.lowes.com

Real Goods Trading [RGTC]: This Northern California company is a unique and one-of-a-kind resource for knowledge about and products for a sustainable planet. The company is the first to receive SEC approval to trade directly via their World Wide Web site with no broker fee. They also trade via the Pacific Stock Exchange and the NASDAQ. Web: http://www.realgoods.com

COMMUNITY DEVELOPMENT

The Rouse Company [RSE]: Founded by life-long activist for inner-city development James W. Rouse, this real estate developer built the racially integrated town of Columbia, Maryland, and has refurbished city centers like Boston's Faneuil Hall Marketplace and Baltimore's Harborplace. The company has had a long history of socially responsible involvement. Web: http://www.therousecompany.com

For monies you do not want to put at high risk, there are specialized funds and banks that have followed the micro-lending successes of Grameen Bank in Bangladesh. Calvert Social Investment Foundation is a good example of a nonprofit loan fund designed to assist impoverished communities by focussing on microcredit, affordable housing and community development projects. Details for Progressive Asset Management and the Women's World Banking (WWB), similar funds, are described below.

Another SRI broker specializing in tax credit investments for low-income housing and offering diversified financial planning:

Progressive Asset Management 1814 Franklin St., 9th Fl. Oakland, CA 94612-3426 Phone: (510)834-3722 Affiliate Member: Social Investment Forum. Issues: economics; investing. Description: A full service, national investment brokerage firm specializing in socially and environmentally responsible investing. Provides access to all major investment vehicles; full range of socially and environmentally responsible investment opportunities; experienced, innovative financial consultants; comprehensive, diversified portfolio management. Offers low-income housing tax-credit investments that funnels taxes away from military. Other Resources: Besides low income housing tax-credit, PAM conducts frequent seminars on environmental investing, charitable remainder trusts and socially responsible investment alternatives. Other: (800)527-8627. Dues: $100/yr. Established: 1987. Internet: http://www.progressive-asset.com

You and your bank or credit union:

As with your responsible purchasing decisions, your own credit union or bank is a place to let your feelings known. As financial institutions, their loaning policies can work for or against community self-reliance, microenterprises, and sustainability. If a bank is loaning capital to a corporation that is building a huge toxic waste dump next door, it has some responsibility to the community's health. Your bank should be as cautious as stockholders about the liabilities and risks of their investments. As depositors you have a stock in the bank. Mimi Seibert started with loans from a bank. Her Delancey Street Foundation is now the nation's leading self-help residential education center for former substance abusers and ex-convicts.

GreenMoney Journal and Coop America are also good sources of information about well known Socially Responsible Banks and Credit Unions. Many churches operate credit unions. There could be opportunities to cooperatively set up SRI community-based revolving loan accounts or special project funds. Coop America has a very good site that specializes in monitoring sweatshops.

Self-Help Credit Union was founded in 1980 to help all North Carolinians gain access to affordable homes, decent jobs and economic security. They have lent $70 million to help low-wealth minorities, women, rural residents and others buy homes, build businesses and strengthen community resources.

Cascadia Revolving Fund is a non-profit community development financial institution. Incorporated in 1985, Cascadia provides financial and technical assistance (e.g. accounting, legal or marketing assistance) to both for-profit entrepreneurs and non-profit organizations who are engaged in a community building activity but who are not able to find financing from traditional sources.

South Shore Bank targets their deposits -- from thousands of depositors all across America -- to help renew and revitalize inner-city neighborhoods.

ShoreBank Pacific is a commercial bank with a mission to support environmentally friendly businesses in the Pacific Northwest. "We believe business can change to become more sustainable, less wasteful and more environmentally benign without sacrificing the bottom line. We've created a bank to prove it."

West Coast Bancorp is merging its four affiliate banks into a single, community-focused bank, to be called West Coast Bank. This new combination will continue a longstanding commitment to community banking while reducing expenses and accelerating growth.

Here are other organizations that specialize in investing in community self-reliance and/or microenterprise:

Cooperative Fund of New England 108 Kenyon St. Hartford, CT 06105-2505 Phone: (203)523-4305 Issues: economics; labor; investing; community investment; cooperatives. Description: Put your money into co-ops. This community loan fund takes investments from individuals and groups ($1,000 minimum) and lends it to coops in New England. As a socially responsible investment CFNE is safe - no investor has lost dollars. As a financier of co-ops, AFNE is a valuable resource as bank credit availability tightens. Donations are also gratefully accepted. Established: 1975.

Center for Neighborhood Technology 2125 W. North Ave. Chicago, IL 60647-5415 Phone: (312)278-4800 Issues: economics; urban; politics; community investment; development; planning; activism. Description: Publishes TAKING CHARGE OF YOUR LOCAL ECONOMY and other materials on neighborhood approaches to community needs. Presently helping church-based credit unions become community lenders. Other Resources: NEIGHBORHOOD WORKS newsletter. Established: 1978. Web: http://www.cnt.org

The Association for Enterprise Opportunities Center for Enterprise Development West 353 Folsom St. San Francisco, CA 94105-2321 Phone: (415)321-7663 Affiliate: Center for Enterprise Development. Issues: economics; labor; education; worker ownership; homeworkers; workplace democracy; jobs; community investment. Description: A new coalition of more than 150 advocates of microenterprise, self-employment, and entrepreneurial training, especially for low-income persons. A number of its members provide loans to help start small businesses.

E.F. Schumacher Society RD3, Box 76 Great Barrington, MA 01230-9007 Phone: (413)528-1737 Issues: economics; community investment; bioregional, land trusts, decentralization, local currencies. Description: Dedicated to the promotion and furtherance of a holistic and humanistic philosophy of economics put forward by the late Dr. E.F. Schumacher, author of SMALL IS BEAUTIFUL. Other Resources: Lectures and books, publishes magazine through Rodale Press, RESURGENCE. Contacts(s): Robert Swann. Established: 1980. Web: http://www.schumachersociety.org

Institute for Local Self-Reliance 2425 18th St. NW Washington, DC 20009-2003 Phone: (202)232-4108 Issues: economics; environment; energy; community investment; efficiency; recycling; waste management. Description: Assists grassroots groups, local government, and small business by providing relevant technical data and policy analysis to achieve sustainable economic development. The Institute focuses on materials policy, reduction in consumption of raw materials, market development for recycled materials, closed loop manufacturing, the shift to renewable resources, and energy efficiency. Other Resources: Publishes a series of facts sheets, FACTS TO ACT ON. See BEYOND 25 PERCENT: MATERIAL RECOVERY COMES OF AGE (directories). Tax Status: Nonprofit. Established: 1974. Web: http://www.ilsr.org

Women's World Banking (WWB) 8 West 40th St., 10th Fl. New York, NY 10018-3902 Phone: (212)768-8513 Issues: economics; feminism; community investment; empowerment. Description: A global network of 46 local affiliates in 38 countries with another 50 affiliates soon to be formed. Their capital funds are now valued at $10,000,000. The most impressive figure of all is a loan loss rate of 1.5% on 56,000 loans. Other Resources: Publishes WWB NEWS, has developed a Management Institute, and a WWB Affiliate Exchange Program. (1992 data) Established: 1979. Web: http://www.soc.titech.ac.jp/icm/wind/wwb-info.html

Accion International 130 Prospect St. Cambridge, MA 02139-1844 Phone: (617)492-4930 Issues: Third World; economics; education; community investment; alternative markets; jobs. Description: Founded to reduce poverty in the Americas. Since 1973, it has focused on creating jobs and income opportunities among the poor by providing loans and basic business training to the self-employed poor. It has become an internationally recognized leader in micro-enterprise development and has worked in virtually every Latin American country and several US areas. In 1990, it provided loans to 67,000 small businesses, creating 42,000 jobs and benefiting 300,000 family members. Other Resources: Books about micro-enterprise assistance, ACTION INTERNATIONAL BULLETIN, annual report, and other general information about its programs. ACTION INTERNATIONAL PUBLICATIONS LIST available. Tax Status: Nonprofit. Established: 1961. Web: http://www.accion.org

PUBLICATIONS:

Business Ethics Phone: (612)962-4700; (800)601-9010 Issues: economics; corporate responsibility; community investment; land trusts. Description: Magazine about ethics in corporations and business. Contains profiles and real-life problems and solutions to ethical dilemmas in business. As we pass from the "me decade" to the "we decade" where decency and caring about people and the planet prevail, those businesses that show they care about their employees, their customers, their shareholders, their suppliers and their community will thrive. Includes new paradigm examples as well as inspiring articles. Frequency: 6/yr. Past issues on the Web: http://condor.depaul.edu/ethics/bizethics.html Email: bizethics@aol.com

In Business 419 State Avenue Emmaus, PA 18049 Phone: (610)967-4135 Issues: economics; corporate responsibility; community investment; land trusts. Description: "Smart growth strategies; Marketing recycled products; Green enterprise; Inner city entrpreneuring; Profits in sustainability; Nonprofit co-ventures; Renewable technologies; and Green building advances...we consistently seek to show the connections and business applications. Contacts(s): Jerome Goldstein (Publisher/Editor) Subscriptions: $59/yr. Frequency: 6/yr.

Business Opportunities Workbook, Implementing Economic Renewal Projects Rocky Mountain Institute / Economic Renewal Program 1739 Snowmass Creek Rd. Snowmass, CO 81654-9199 Affiliate: Rocky Mountain Institute / Economic Renewal Program. Issues: economics; energy; agriculture; environment; community investment; renewables; appropriate technology. Description: Booklet documenting the ways small cities and towns have been reinvigorating their economies "from within"--without chasing smokestacks or pushing growth-for-growth's sake. Other casebooks available on energy and food. Web: http://www.rmi.org

Susan Meaker-Lowry Box 734 Montpelier, VT 05601-0734 Phone: (802)223-7943 Issues: economics; environment; boycotts; forests; corporate responsibility; investing; green consumer. Description: Lowry is best known as the author of ECONOMICS AS IF THE EARTH MATTERED (1988) and INVESTED IN THE COMMON GOOD (1995). She is the co-founder, with Ritchie Lowry and Peter Ritchie, of GOOD MONEY (1981), the nation's first newsletter for socially concerned investors. Currently she is the managing editor of FOOD & WATER and works with Dawnland Center, an intertribal, nonprofit organization in Montpelier committed to community healing and renewal in the Native Communities of New England. She offers workshops and presentations. Some past projects include: Newsletters CATALYST and INVESTING FROM THE HEART; All Species Project; Center for Economic Revitalization; Institute for Gaean Economics; Companies Which Cut Rainforest Boycott. Good Money Web: http://www.goodmoney.com

Where to buy your checks and get your phone service:

Earth Tones, The Environmental Phone Company: Save the earth every time you dial the phone with the only long distance company to give 100% of its profits to environmental groups. All bills come with educational "Green Alerts," and all customers can make free calls to their elected officials in Congress. The only long distance phone service to give 100% of its profits to environmental campaigns. Founded and wholly owned by non-profit groups, Earth Tones prints bills on recycled paper with detailed Green Alert updates about pressing issues. Competitive residential, business and calling card rates with satisfaction guaranteed. Call 1-888-EARTH-TONES Web: http://www.earth-tones.com

Message!Products is the premiere check printer working with non-profits to provide personal checks, hemp covers, address labels, and other licensed merchandise. Help increase awareness and generate royalties for the issues you care about. A wide range of colorful checks are printed on recycled paper with soy based inks. Royalties from every order go directly to the organization you choose. With nearly 100 non-profits to choose from such as Greenpeace, Habitat For Humanity International, and the National Audubon Society, making a difference is easy and fun. Founded in 1985, over $3 million has been raised for worthwhile causes due to this program to date. Web: http://www.messageproducts.com

Copyright 1999 by Sandi Brockway

* special credit to Macrocosm USA, GreenMoney Journal, and Coop America