A New Study Shows How Behind the U.S. Is on Paid Leave—and How It Could Lead

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.

In India, corruption in the distribution of government ID cards leaves the poorest without legal identity or protection. A non-profit group is creating and distributing unofficial ID cards and legal aid for day workers in major cities in India.

A starting point for addressing the problem of small-business extinction - a description of possible solutions being enacted in New York City.

Although Nigeria "is arguably the worst-run of the world’s major countries," it's biggest city is providing a model for how to turn poor governance around. Lagos, a historically fragile city like the rest of Nigeria, has devolved more power to civilian rule, which has shown positive results for the health of the city.

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.

Companies who outsource often fuel the race to the bottom for global workers' standards. Two companies, Digital Divide Data and Samasource, offer a model for outsourcing which is profitable and also prioritizes social impact.

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.

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.