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The GLS Bank: Profit not at any priceLoan of your choice or the ecological and social value of money Behind the awkward name of "community bank for lending and Gifts" is a sustainable model, which finances and ethics with each other. The GLS Bank - consisting of the Community Bank eG GLS, the GLS Treuhand eV and the GLS Beteiligungs AG - offers a wide range of popular services: From the current account on savings certificates, mutual funds and pension services to asset management. And yet the GLS differs fundamentally from other banks: it is 100% ethically and ecologically oriented. The history of the GLS bank: Money is for the people The roots of the GLS Bank date back to the year 1961: It was in Bochum, the Charitable Trust eV body established to allow donations and foundation money for charitable projects available. 1967, the Charitable Loan Guarantee eG (GCG) added, 1974 was the establishment of the GLS Bank. This focused initially on the financing of environmental, social and cultural projects, such as Demeter farms, housing and Waldorf schools. All three institutions together was the idea of money as a social means of positive use. By the time were always new entrance themes, including the financing of renewable energy after the reactor accident at Chernobyl. 1997 GLS merged bank and GCG. The company shareholdings of GCG flowed into the newly created GLS Beteiligungs AG. In 2003, the takeover of kriselnden Oekobank. The ever-expanding range of GLS has been to achieve sustainable mortgage, current account and ethical-ecological investment complements. The head office of nationwide bank is still in Bochum. There are now branches in Berlin, Frankfurt, Freiburg, Hamburg, Munich and Stuttgart. So much for history. But how will the high demands of the bank in practice? Tools You may like to use: Cash Flow Template Manage your cash flow in one place Budget Spreadsheet Set up online personal budget spreadsheet Monthly Budget Spreadsheet Your data up-to-date and secure Free Home Budget Software Expert guidance for your home budgeting need Monthly Budget Calculator Automated budget planning Taboo: Child Labor, armaments, animal testing, etc. Whether internal or customer equipment, investment or lending: The GLS Bank has a number of exclusion criteria, for the money in principle not be lent or invested. These include child labor, animal testing, alcohol, nuclear energy, armaments and pornography and dubious environmental behavior, controversial business practices and human rights violations. Instead, the GLS Bank environmental, social and cultural projects and companies. The customer can thus not only in good conscience, that his money is not for reprehensible purposes. He has top of the certainty that it will be useful. Codetermination: renewable energy, organic and living Who in the GLS customer is, we must from the outset even say what his preferred money to be used: whether organic, renewable energy, housing, disabled facilities or organic farming - the selection is great. Through participation, the power as much as the owner. Moreover, the money gets to the material an ethical value. Only the effect of capital in the truest sense of the word "enrichment" by providing a positive benefit for all parties win and the nature and fellow man no damage. Should that still not enough, his interest can be - in the rest of the comparison with other credit institutions must not be afraid - and renounce them directly to eligible projects in donating. "Good Bank" with a vision: the GLS Academy The view forward is: In the framework of seminars, conferences and workshops to discuss customers, partners and experts, current social issues and discuss ideas for the future. The GLS Academy leads and committed people together alongside visions also provides very specific stimuli, such as to sustainable management. The GLS bank in times of financial crisis: transparency rather than speculation Sustainability is one of the principles of GLS. Instead of money in search of maximum profit over the entire globe and to push into risky securities to invest, the bank grants loans to eligible German companies. Speculations are avoided, the transparency of a high priority: the customer magazine "mirrors bank" is regularly listed what loans and what projects and businesses. While many conventional banks, given the financial crisis in the red writing and with taxpayers' money must be financed, the GLS is the crisis cold. On the contrary: Instead of the losses recorded from the competition once as "sandals bank credit disparaged a constant growth - from 55,000 customers in 2007 to 62,000 in 2008. All in all, the GLS for the informed citizen has a doubly good alternative: The money is not bad for business - such as the director Erwin Wagenhofer in his film "Let` s make money "reveals - and is created at the same time safely. The "Good Bank" GLS is thus an attractive way, once the dispute over the introduction of a toilet duty in Rome bankrupt resulting dictum "money does not smell" from the cloud of cynicism to the level of morale lift.12:43 PM - Jun. 16, 2009 - comments {} - post commentEven more savings ideas in crisisBargain tips for bargain shopping Advice and tips to make it to the savings in everyday life easier. But not only to save the savings sake. Environmental awareness will be respected. You should take over its municipal or county border watch: The cost of living in large cities and industry are all cheaper than in tourist and vacation centers, which has always been so. But remember, the higher fuel costs on the other hand, reckon that could be some savings balance deteriorate. So one of the easy way to save money is to use Free Personal Finance Software online! However, it would be in the car-sharing, in Germany, so good work: One click to the Internet and receives on the site, as for example, conveniently from Freiburg to Hamburg mitfährt against gasoline cost participation. It is also safer than hitch on the road to make. In one test was a German television station for the Munich-Berlin Three-moving opposite: a journey by bus, hitchhike or ride sharing on. After the comparison of duration, travel costs for the environmentally conscious individual and gasoline-saving behavior clearly won the trip with the Mitfahrzentrale. From the cheap food and drink and the weekly market-gate-buyers In times of crisis is more and more: It is again often even the curved wooden spoon. Recently we could even in the Frankfurter Allgemeine Zeitung, the tip read: Kalbslendchen instead of the cheaper pork at the butcher's misery buy, with the right spices, you hardly need to sacrifice in taste. Almost all bakeries sell bread from the day before, at half price. For people with stomach problems, this will be better digested even by the doctor recommended. Using the oven is made from old and new very soon. It has got around that one better at the weekly just before the end vegetable shop, the dealer throw it nearly half price to encourage it not to have to pack again. But it is best as the Frenchwoman at the market handle everything themselves, so not in the bag below the rotten fruit is packed. Long Factory outlets and thrift shops Previously they were called homemade bake sales and factory were extremely unpopular with the retailers. Today nobody suggests more about Factory Outlets on all Bibles, there are also bargains leader called on the addresses of the manufacturers, with good discounts without going through the wholesale and retail their products directly to the final consumer. There were even entire Outlet Center with this most direct of all forms of distribution and it hits the price competition. Secondhand shops perhaps the exception. The latter are always more or less fashionable. The vintage trend took on top of a second boom especially the tracks from the 50s and 60s. Perhaps this time it verbrämt nostalgic because it is the era of economic miracle symbolizes. Beware of excessive savings Addiction For all purchases, but is an ancient rule that can not be repeated often enough is: Not without a shopping list from the house. And the savings used to freak the back side of paper described. Is environmentally responsible action. More and more e-mails are currently even with the additional clarification: Think about whether you print this email really need '. For bills, this makes little sense, however, if you specify in the tax and the tax office as evidence must present. And yet another serious warning savings Addiction: Please do not go so far and moldy foods only the diseased body off. With the whole way, because otherwise it endangers their health and that the savings would not be worth-mania!12:40 PM - Jun. 16, 2009 - comments {} - post comment |
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