Los recicladores son héroes invisibles en la Economía Circular

Americans don’t save enough - in 2005, Americans’ personal savings rate was negative for the first time since the Great Depression ─ instead of piling up savings, we are piling up debt. Two behavioral economics columns on how switching signup for a 401K plan from opt-in (say yes to be enrolled) to opt-out (say no to be un-enrolled) dramatically raises enrollment rates.

The unemployment crisis is a hard thing to solve - businesses sometimes have no choice but to let workers go. An innovative program tries to prevent joblessness by temporarily paying a portion of workers’ salaries at struggling companies.

Millions of families of arrested individuals do not know what to do to help, how to obtain a lawyer, or what the process entails in the court system. Created by Albert Cobarrubius Justice Project, participatory defense is a type of community organizing that teaches and empowers people who face criminal charges. Individuals know how to work with attorneys in order to navigate the system and ultimately feel equipped to become drivers of their own change.

In part, miscommunication between bankers, brokers and homeowners created the 2008 economic crisis. Protection laws mandating better labeling and trusted third-party intermediaries could improve communication and help prevent another crisis.

Vacant positions exist in many employment sectors, including in education and in hospitals. ReServe is a program that joins retired professionals to part-time paid positions in non-profits to perform duties. A controversy has emerged that suggests these positions should be paid at a professional-rate salary.

After years of banning labor unions in Bangladesh, garment workers unionized to fight for higher wages and safer working conditions. For women, this isn't traditionally a space they were welcomed in, but now they’re holding their own meetings to ensure women’s safety is ensured on the job.

A Department of Justice study reported that about 75 percent of those released in 2005 were rearrested, and women prisoners often have a harder time re-entering society after release. A New Way of Life (ANWOL) is a Los Angeles transitional living facility that has helped more than 750 women stay out of prison by offering housing, case management, mental health and substance treatment, and job training.

Rampant misconduct by judicial systems across the country brought to light a crippling practice of debtors' prisons—where disadvantaged individuals unable to pay fines and fees were continually and wrongfully imprisoned, creating a vicious cycle. The American Civil Liberties Union stepped in to work with governments and private companies to increase transparency, eliminate abuse, and reeducate law enforcement officials. The state of Ohio has emerged as a leader in reforming debtors' prisons, though there is still work to do.

Some inner city schools, nonprofits, and businesses in New York lack the staff to make their organizations function for the people they serve. ReServe is a program that links retired professionals with part-time jobs in schools, libraries, hospitals and other city agencies to help fil this gap.

America’s system of health care is based on an old industrial-era model, without taking into account a decentralized, mobile, independent workforce that remains largely unprotected without health and unemployment insurance. The Freelancers Insurance Company, based in New York State, offers competitive premiums by having their executives receive salaries at low wages. The model keeps costs under control, which in turn makes health care more accessible to independent workers.