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Five Sustainability Buzzwords and What They Really Mean

From product labels to marketing tactics, there are many commonly used sustainability buzzwords that can quickly become hard to decipher.

When determining where to spend your money, it can be easy to get lost in the cloud of common sustainability-related terms. Using claims that sound good but are tough to verify is a common marketing tactic to create a sustainable appearance, a.k.a., greenwashing. Vague claims are often accompanied by idyllic images, such as a pristine lake or fresh flowers, which lull people into a sense of eco-friendliness, even if the pictures have nothing to do with how a laundry detergent or snack is made.

The Federal Trade Commission (FTC) plays a very limited role in cracking down on greenwashing, so savvy consumers can become more familiar with popular buzzwords to see past the haze. Knowledge is one more tool in your kit for distinguishing true green from greenwashing.

Biodegradable or Compostable

Biodegradable materials can naturally decompose with help from bacteria and small organisms. Biodegradability is great but can also cause problems: Chemically treated items like wood and paper products can become toxic in the process of being broken down.

Instead of buying items that are just labeled as biodegradable, look for Biodegradable Products Institute (BPI) certifications—this is a verified third-party mark of true biodegradability.

Compostable items break down over time into soil or fertilizer—but this isn’t true all the time. Without the necessary conditions, even if something is theoretically compostable it can still take hundreds of years to decompose in other environments like landfills or oceans. Many items marked as compostable are only compostable in industrial composting facilities (like “compostable” bioplastics), not in home compost bins (which can handle things like eggshells and coffee grounds).

If you have access to industrial composting, such as through your city’s pickup system, make sure you’re only putting items in there that are truly compostable. If you don’t have a composting service, swap items like supposedly “compostable” paper plates with versions that can be washed and reused, instead.

Carbon-Neutral

Carbon neutrality does not mean emissions-free, but rather that a company is reducing its emissions until it gets to the point where its emissions output is equal to its emissions reductions. Until it reaches that goal, it may be buying carbon offsets to make up the difference.

While carbon offsets are better than ignoring the problem, they don’t always result in forward momentum in battling the climate crisis—they simply claim to cancel out damage that’s already happening or done. Greenwashing in carbon offsets can complicate things further—for example, many carbon offset projects are based on planting trees that may or may not ever be planted.

While a plan for carbon neutrality is still more than many companies are doing, net-zero emissions is the next step further, which accounts for all greenhouse gas emissions from a company, not just carbon. Even fewer companies are taking on carbon negativity, which means decreasing emissions and offsetting more than what they produce.

While we wait for carbon negativity to become the standard, carbon-neutral and net-zero commitments should be investigated and celebrated if found to be genuine. Start by looking on a company’s website for programs with immediate effects, such as renewable energy and community projects, and verification of carbon offsets.

Reading reports from credible, non-partisan news sources can also help. The University of Massachusetts Amherst’s Top 100 Polluter indexes can provide more context for how company emissions rank, as well as acquainting yourself with carbon emission scopes—a classification system to label a company’s greenhouse gas emissions.

Eco-Friendly or Sustainable

Eco-friendly and sustainable may seem broad—because they are. At their core, both mean something that is good for the planet and not environmentally harmful. However, since neither term is regulated, they can lead to gray areas or straight-up greenwashing. The key to getting to the bottom of eco-friendly or sustainable claims is determining what exactly makes the product eco-friendly. Instead of taking the words at face value, investigate the packaging, website, or social media to look for sustainability pages and victories. A company practicing true green will gladly define the reasoning behind its use of the term.

Luckily, there are many certifications that are trustworthy when looking for products that are truly eco-friendly and sustainable. Green America’s Green Business Network certification covers businesses across 30+ industries. Other labels to look for that have third-party verification are Green Business Network, USDA Organic, Leaping Bunny, B-Corp, Environmental Working Group, Green Guard, GOTS, and Fair Trade Certified. Each industry, such as food or textiles, has its own certifications, so do your research as you buy and look into labels you see.

Ethical

Finding a product labeled as “ethical” sounds great, but the term actually doesn’t tell you much at all. Claiming that a product is ethical is a very convenient way for companies to avoid detailing their practices and backing up their green appearance. Reading the word ethical is an instant signal to pull out the magnifying glass and investigate the company further.

Finding a fair trade certification on the product’s label or website is a great sign. Fair Trade America and Fair for Life are trustworthy certifications representing that the company has been assessed as devoting time and resources to their economic, social, and environmental impacts in various ways that come together to create an ethically produced product. From respecting and empowering workers to climate action and transparency, Fair Trade companies represent a company certified in ethical behavior.

Fairtrade certifications aren’t the only way to think about or verify ethical behavior. A company that works in good faith with employee unions and doesn’t fight unionization, and has sustainability and worker rights reports on its website are also good tells that the company is interested in fair treatment of people.


When traversing the jungle of sustainability speak, knowing the meaning behind buzzwords can help you confidently choose products. While it may take a little investigation, identifying greenwashing and moving towards your own true green is possible. Before long, you’ll find that your true green detective skills are unstoppable.


Green America and the certified Green Business Network members mentioned in this article, which meet or exceed Green America’s standards for social and environmental responsibility, are here to help. 

Bank regulators step up

Two new actions set rules for community investing, guidance for climate risk 

On October 24, 2023, a trio of federal agencies issued two actions aimed at pushing the nation’s banks – especially the largest banks – to invest in underserved communities and factor climate risk into their decisions. 

Although the agencies did not incorporate everything environmental groups asked for, these actions are positive steps that will help provide a much-needed course correction for financial institutions that, so far, have been driving headlong into the twin crises of climate disaster and extreme inequality. 

First, the agencies issued a final rule updating the 1978 Community Reinvestment Act (CRA), a landmark law designed to address systemic inequities in access to credit though redlining, or underinvestment in low-income neighborhoods and communities of color.  

The new rule encourages banks to expand access to credit, investment, and banking services in low- to moderate-income communities, supports Minority Depository Institutions and Community Development Financial Institutions, extends reporting requirements to cover online banking, and expands eligible projects to include disaster preparedness and weather resiliency.  

The agencies also issued final guidance urging banks with more than $100 billion in assets to incorporate measures of climate risk into their business planning.  

The Principles for Climate-Related Finance Risk Management include both physical risks, such as the harm to people and property from climate-related disasters, and transition risk, such as shifts in policy, consumer preferences, or new technologies in the shift to a lower-carbon economy. 

“We should not wait for a disaster to strike before we act,” said Michael Hsu, acting comptroller of the currency. “Prudence demands we act as risks emerge.” 

The two actions were approved at the October 24, 2023, meeting of the board of directors for the Federal Deposit Insurance Corporation (FDIC) and joined by the Office of the Comptroller of the Currence and the board of governors for the Federal Reserve.  

Reaction 

Climate finance advocates generally see the two actions as encouraging banks to invest in climate-resiliency projects in underserved areas as well as incorporate climate risk into their own business decisions.  

“The climate crisis presents risks not only to individual financial institutions, but it poses a systemic risk to the entire financial system that demands action now. With these new principles, federal banking regulators are finally laying the groundwork for a regulatory system which protects our economy from growing climate financial risks,” said Adele Shraiman, senior campaign strategist for fossil-free finance at the Sierra Club. 

But advocates said the agencies did not go far enough in addressing climate-related investments and risks. Neither the CRA rule nor the climate risk principles discourage banks from investing in high-carbon industries that are driving the climate crisis.  

"Regulators missed a key opportunity to mitigate climate risk and discourage financing for the polluting industries devastating the climate and our country’s most vulnerable communities,” Shraiman said. 

Climate risk 

The twin agency actions can be seen as two sides of the same coin. On one side of the coin, the new climate financial risk principles finally recognize climate change as a threat to financial stability. 

“Physical and transition risks associated with climate change could affect households, communities, businesses, and governments – damaging property, impeding business activity, affecting income, and altering the value of assets and liabilities,” the guidance says. “These risks may be propagated throughout the economy and financial system.” 

Large banks in particular have neglected to factor climate risk into their investment decisions. Since the 2015 Paris Agreement, the world’s 60 largest banks have poured $5.5 trillion into the fossil fuel industry, according to the Banking on Climate Chaos report.  

The Dirty Dozen: Worst Banks Since the Paris Agreement
Banking on Climate Chaos Report 2023

About one-fourth of that amount -- $1.36 trillion – was from the world’s four largest banks – JPMorgan Chase, Citi, Wells Fargo, and Bank of America – all based in the United States.  

Such large investments in fossil fuels include substantial physical and transition risk. According to the National Oceanic and Atmospheric Administration (NOAA), since 1980 the United States has experienced 372 extreme weather events with damages exceeding $1 billion each. So far in 2023 we have seen 24 climate disasters with damages exceeding $1 billion and deaths of 373 people.  

Meanwhile, 90% of known fossil fuel reserves must never be dug up and burned if we want to limit global warming to 1.5°C, according to the Unburnable Carbon report by Carbon Tracker. This means over $1 trillion of oil and gas assets risk becoming stranded in a transition to a lower carbon economy.  

Unburnable Carbon: Ten Years On report by Carbon Tracker

“Weaknesses in how a financial institution identifies, measures, monitors, and controls the physical and transition risks associated with a changing climate could adversely affect a financial institution’s safety and soundness,” the guidelines say. “The adverse effects of climate change could also include a potentially disproportionate impact on the financially vulnerable, including low-and-moderate income (LMI) and other underserved consumers and communities.” 

To address this, the agencies issued a series of principles encouraging boards of directors for large banks to hold management accountable for climate risk, and encouraging management to develop processes to identify, measure, monitor, and control climate-related financial risks.  

The guidelines encourage large banks to incorporate climate risk analysis into policies, procedures, and business strategy with both near and long-term planning through the use of scenario analysis. Public statements about climate-related commitments should align with internal strategies.  

Community investment 

On the other side of the coin, the new rule updating the Community Investment Act addresses climate risk by expanding eligible projects to include disaster preparedness and weather resiliency.  

The almost 1500-page rule broadly interprets this to include projects such as: 

  • construction of flood control systems in a flood prone underserved urban or rural community 
  • retrofitting multifamily affordable housing to withstand future disasters 
  • promoting green space in urban areas to mitigate extreme heat 
  • upgrades to affordable housing such as efficient heating and air-cooling systems or more energy-efficient appliances 
  • community solar projects, microgrid and battery projects that could help ensure access to power to an affordable housing project in the event of severe storms 
  • financing community centers to serve as cooling or warming centers in low- or moderate-income areas that are more vulnerable to extreme temperatures 
  • assistance to small farms to adapt to drought challenges. 

The new rule also addresses the rise in internet and mobile banking by requiring large banks to include geographic areas where they make significant numbers of mortgage and small business loans, whether they have a physical branch there or not, as subject to review under the Community Reinvestment Act.  

The rule also allows banks to get CRA credit for any community development activities conducted with Minority Depository Institutions, Community Development Financial Institutions, Women’s Depository Institutions, and Low-Income Credit Unions.  

What these actions are not 

The CRA rule incentivizes banks to invest in climate resilience in communities long under-resourced through systemic inequality, and the agency guidelines encourage and incentivize banks to incorporate climate-related risk management into the everyday business practices.  

But neither the guidelines nor the rule prohibit banks from investing in high carbon industries such as oil and gas – nor do they explicitly use race as a metric in community-based climate resilience.  

“The principles neither prohibit nor discourage financial institutions from providing banking services to customers of any specific class or type, as permitted by law or regulation,” the climate risk guidelines say. “The decision regarding whether to make a loan or to open, close, or maintain an account rests with the financial institution.” 

“The FDIC’s role with respect to climate change is centered on the financial risks that climate change may pose to the banking system and individual institutions, and the extent to which those risks impact the FDIC’s core mission and responsibilities,” said Chairman Martin Gruenberg. “The FDIC is not responsible for climate policy and does not tell banks which customers to serve.” 

Although these actions do not explicitly tell big banks to stop underwriting fossil fuel projects and shift instead to community investment, they are a nudge in that direction. If these two actions motivate large banks to take a new path to a more sustainable and equitable world, they will have done their job. 

Your Green Life

Live green. Sustainable lifestyle tips and tricks for you and your family.

Editor

 

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Green America is an equal opportunity employer. All qualified applicants will receive consideration for employment without discrimination regarding: actual or perceived race, color, religion, national origin, sex (including pregnancy, childbirth, related medical conditions, breastfeeding, or reproductive health disorders), age (18 years of age or older), marital status (including domestic partnership and parenthood), personal appearance, sexual orientation, gender identity or expression, family responsibilities, genetic information, disability, matriculation, political affiliation, citizenship status, credit information or any other characteristic protected by federal, state or local laws. Harassment on the basis of a protected characteristic is included as a form of discrimination and is strictly prohibited.

Social Media Specialist

 

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Green America is an equal opportunity employer. All qualified applicants will receive consideration for employment without discrimination regarding: actual or perceived race, color, religion, national origin, sex (including pregnancy, childbirth, related medical conditions, breastfeeding, or reproductive health disorders), age (18 years of age or older), marital status (including domestic partnership and parenthood), personal appearance, sexual orientation, gender identity or expression, family responsibilities, genetic information, disability, matriculation, political affiliation, citizenship status, credit information or any other characteristic protected by federal, state or local laws. Harassment on the basis of a protected characteristic is included as a form of discrimination and is strictly prohibited.

Julie Davenson
SCI Research Fellow

 

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Green America is an equal opportunity employer. All qualified applicants will receive consideration for employment without discrimination regarding: actual or perceived race, color, religion, national origin, sex (including pregnancy, childbirth, related medical conditions, breastfeeding, or reproductive health disorders), age (18 years of age or older), marital status (including domestic partnership and parenthood), personal appearance, sexual orientation, gender identity or expression, family responsibilities, genetic information, disability, matriculation, political affiliation, citizenship status, credit information or any other characteristic protected by federal, state or local laws. Harassment on the basis of a protected characteristic is included as a form of discrimination and is strictly prohibited.

Executive Editor

Hours: Full Time (32 Hours Per Week)
Compensation: $95,000 - $105,000
Reports To: Executive Co-Director for Consumer and Corporate Engagement
Benefits: Excellent benefits including health care, dental care, paid leave, socially responsible retirement plan, friendly work environment, 4-day work week

Green America is a national nonprofit organization, with over 40 years’ experience in creating a green economy defined by social justice and inclusion, environmental sustainability and regeneration, and healing and repairing our world.

We inform people’s choices, organize consumer and investor collective action, and bring together businesses and other stakeholders to achieve system-wide change. Our work environment is results-oriented and highly collaborative and collegial.

We seek an Executive Editor who is a content expert in a broad range of environmental, social and racial justice, and green living issues, including the ability to clearly communicate complexities, nuances, and intersectionality.  Our Executive Editor will work with teams and departments across the organization, the Director of Digital Communications, and the Communications Team to increase Green America’s audience digitally and in print through compelling and thoughtful content. 

The Executive Editor will provide planning, direction, and oversight for Green America’s print/digital green living and consumer content and assist content experts with our programmatic and supply chain content, to ensure that Green America’s publications and websites inform and inspire members and the public to green their lives, take action for a greener world, and further the organization’s goals.

Strategic Responsibilities (30%):

  • Work with Green America’s Executive Team to plan strategy and budgets, and to assure that print and digital content reflects Green America’s voice and recognizes our many stakeholders.  
  • Work with the Executive Team and the Communications Team in our Communications 2.0 initiative to leverage the impact of our content across platforms and the use of artificial intelligence to improve our content and reach.
  • Integrate our work with consumers, small green businesses, and supply chains to create content that captures the full range of Green America’s programs and impacts and positions them within an overall framework of advancing green and just solutions.
  • Work with the Membership and Development teams to strategize how our content and publications serve our organization’s donors and promote financial and membership growth.
  • Work with Teams and Departments across the organization to promote Green America’s work broadly. Work with the Communications Team and experts within Green America to create and oversee content for print and digital publications and co-create with the Director of Digital Communications the strategy for Green America’s digital content on environmental, social and racial justice issues, supply chain programs, and green living and consuming.
  • Working with the Director of Digital Communications, provide strategic direction for the organization’s communications to maximize audience outreach and engagement and ensure our platforms (print and online) work together to expand our organizational outreach to the public. This includes reviewing metrics together to make data-driven decisions about the creation of new content and optimal use of existing content to meet core organizational goals.
  • Work with our Communications Team led by our Director of Digital Communications, Core Editorial Team, IT Director, and other stakeholders to design content management workflows that can create, edit and proof content to be published on various platforms—including print, web, and social media.
  • Develop and implement the annual operating plan and budget (including ad/other revenue).

Publications (50%)

  • Lead the Editorial Team and work with the Communications Team, Executive Team, and other departments to plan and create content, fact-check, and edit our print/digital publications (Green American, Your Green Life, Guide to Social Investing and Better Banking).
  • Create and manage timelines, and manage staff and freelancers, to ensure that publications and online content are authoritative, approachable, and engaging and meet deadlines. Provide troubleshooting as needed.
  • Work with the Editorial Team on design, layout, and images for print publications.
  • Collaborate with stakeholders (Director of Digital Communications, Core Editorial Team, Campaigns Team, and Development Team) to ensure that print publications can be shared effectively in nonprint platforms like our web site, email newsletters and social media.
  • Oversee the Associate Editor(s), Fellow(s), and Intern(s) to ensure high quality content for print and digital publications that is authoritative, approachable, and engaging is produced in a timely fashion.
  • Engage and oversee external freelance writers to create content as needed.
  • Process intern applications, hire and manage interns, and ensure they have a positive experience.
  • Serve as a contact for granting reprint rights.
  • Work with the Accounting Department to ensure timely payment of freelance writers, artists, and designers.
  • As time permits, Editorial Team members provide copyediting, proofreading, and flag any content for legal review for content provided to Green America’s individual audience.

Online Engagement (15%)

  • Ensure that content written for Green America’s publications is optimized for Green America’s digital channels and audiences. Work with Director of Digital Communications and Social Media Specialist to ensure that content is promoted out to Green America’s audiences, appeals to and brings in new audiences, and drives engagement. Work with the Communications Team to increase audience for Green America’s content online, especially to audiences identified in our JEDI work.
  • Work closely with teams and departments across the organization to create engaging online content.
  • Work with the Director of Digital Communications to oversee team members in managing digital publications, updating and optimizing online content, and building relationships with outside parties to increase the reach of our content.

Inter- and Cross-Departmental Teams (5%)

  • Work with teams and departments across the organization to determine their communications needs, help them craft messaging to reach targeted audiences, and coordinate with the rest of the communications team and contractors to ensure our work reaches a broader audience.
  • Work with other Communications Team members and technology staff to develop and maintain a content library of editorial, graphical, and photographical content consistent with Green America’s brand book
  • Work with other Communications Team members to maintain the Green America style guide
  • Participate in Green America Cross Departmental Teams: The success of our organizational work includes the voluntary participation of staff members from all levels of the organization in cross- departmental teams addressing a range of issues to strengthen our impact and planning, as time and other work commitments allow.

Skills:

  • Excellent copywriting
  • Proven ability to generate persuasive print and online content
  • Proven ability to write and edit for people who are just learning about this content and those who are deeply experienced.
  • Knowledge of and ability to communicate the complexities and nuances inherent in social justice, climate, and environmental issues.
  • Knowledge of the Adobe Creative Suite of products and how they can be used to improve our production process—from planning, writing, designing, production, reviewing, editing, copying checking, and approval.
  • Editing – proven editorial skills, including strong content background, research, and language skills and the ability to adjust content to remain consistent with brand, style, and tone. Capable of writing and editing for people who are new to the content and those who are deeply experienced.
  • Blogging/Online content – successful management of a blog and other online content.
  • Search Engine Optimization – A demonstrated ability to drive traffic to web properties from search engines.

Education/Experience:

Please note, we recognize that experience doesn't always look the same – skills are transferable, and passion is important. Please tell us how your experience can lead to success in this position.

  • Bachelor’s Degree (preferably in Marketing, Journalism, Communications, or Public Relations)
  • Ten or more years’ experience in print publication content, strategy, editing, and production
  • Ten or more years’ experience in digital content strategy, management, and production
  • Ten or more years’ experience in project management

To Apply: Please send a cover letter, resume, and two writing samples to toddlarsen@greenamerica.org by November 15, 2023.

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Green America is an equal opportunity employer. All qualified applicants will receive consideration for employment without discrimination regarding: actual or perceived race, color, religion, national origin, sex (including pregnancy, childbirth, related medical conditions, breastfeeding, or reproductive health disorders), age (18 years of age or older), marital status (including domestic partnership and parenthood), personal appearance, sexual orientation, gender identity or expression, family responsibilities, genetic information, disability, matriculation, political affiliation, citizenship status, credit information or any other characteristic protected by federal, state or local laws. Harassment on the basis of a protected characteristic is included as a form of discrimination and is strictly prohibited.

How to Make an Eco-Friendly Move in 2024

If you’re discarding a large number of items or parting with bulky furniture, you may consider hiring a junk removal service. However, ensure the company employs sustainable practices. “When researching junk removal companies, ask about what they do with everything,” says Eleanor Greene, editor-in-chief of Green American. Some companies might haul everything away to a landfill, while others donate what they can to local nonprofits.

Charity Navigator
Candid 2023
For Your Next Craft Project, Do the Earth a Solid: Buy Sustainable Fabrics

The world of textile manufacturing is a minefield of toxic chemicals, wage theft, and pollution. According to Green America’s Toxic Textile Report, staggering numbers—43 million tons of chemicals used, 20% of industrial water pollution—reveal this alarming reality and make it clear how crucial it is to prioritize buying sustainable fabrics. 

Green America and the certified Green Business Network members mentioned in this article, which meet or exceed Green America’s standards for social and environmental responsibility, are here to help. 

First, Learn What to Avoid 

The Toxic Textile Report will help enlighten the vast impact of this industry on both people and the planet, including:

  • 43 millions tons of chemicals used
  • 20% of industrial water pollution (and the second largest polluter of water globally)
  • More carbon emissions than all international flights and shipping combined

Before you start shopping for materials for your next project, learn about sustainable fabrics, from natural to synthetic fibers, and find out how to source ethical and sustainable pieces like vegan leather

It is also important to be aware of the various chemicals that are used in textile manufacturing and be on the lookout for those. 

One of the most common dyes used in clothing manufacturing, for example, are azo dyes (used in 60-70% of manufacturing), which can release carcinogens. 

If you’re not a sewer, but love clothes as a consumer, Green America’s Toxic Textiles Scorecard can help discern between clothing companies. 

Next, Let’s Buy Sustainable Fabrics 

Whatever you need for your next project, the Green Business Network has you covered. 

Organic Cotton Plus started as a fifth-generation family cotton farm in Texas, becoming one of the country’s first certified organic farms in 1991. The business also became the first US fabric retailer to be GOTS-certified (Global Organic Textile Standard). 

They now boast 100% organic fabric of all types and colors, from Barbie pink muslin to olive green thermal or orange silk/hemp blends. 

They also sell the fiber itself (wool stuffing, shredded natural latex, and more) as well as yarn, crafting patterns, and other accessories. 

For a smaller but just as mighty selection of sustainable fabric, Texture Clothing offers organic cotton jersey, including cotton jersey made with bamboo. 

Texture Clothing also has tons of print fabric options and PDF sewing patterns. 

For Crafting Pre-Made Products 

Or maybe you want a blank canvas to work with, like a plain t-shirt or sweater, and you dream of painting or embroidering a design. 

Check out Faerie’s Dance, Maggie’s Organics, or The Good Tee for tons of options. 

All The Good Tee’s clothing comes from an inspiring story of wanting to support cotton farmers in India, and the organic cotton from a sustainable supply chain, shows in the quality of shirts, leggings, and more. 

At Maggie’s Organics, organic cotton comes in a variety of styles so you can enhance anything from a tunic to a fleece hoodie. 

If you want to print your favorite Taylor Swift lyric or a personal design onto a shirt, TS Designs offers custom printing on their sustainable t-shirts, entirely grown and made in the US. 

Eco-Bags offers the same on various types of bags, from drawstings to shopping totes, using organic fibers and ditching azo dyes back in the 90s. 

What Else Can You Do? 

As a consumer or creator, there are even more ways to support a sustainable and just world beyond shopping and sourcing sustainably. 

It is also important to fight for the workers manufacturing these fabrics and clothing items. By supporting the FABRIC Act, recently re-introduced to Congress by Senator Kirsten Gillebrand, D-N.Y., you can put your voice behind legislation to stop worker exploitation. 

Managing Director, Nutrient Density Alliance

 

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Green America is an equal opportunity employer. All qualified applicants will receive consideration for employment without discrimination regarding: actual or perceived race, color, religion, national origin, sex (including pregnancy, childbirth, related medical conditions, breastfeeding, or reproductive health disorders), age (18 years of age or older), marital status (including domestic partnership and parenthood), personal appearance, sexual orientation, gender identity or expression, family responsibilities, genetic information, disability, matriculation, political affiliation, citizenship status, credit information or any other characteristic protected by federal, state or local laws. Harassment on the basis of a protected characteristic is included as a form of discrimination and is strictly prohibited.

Does Social Investing Affect Performance?

You know by now that socially responsible investing (SRI) does make a difference in the world, but perhaps you’re wondering what kind of financial difference it will make in your portfolio. Will you sacrifice financial returns if you align your investments with your values?

The evidence, amassed through hundreds of studies, shows that historically SRI investments have performed as well as or better than their conventional counterparts.

For 15 years (from 2007-2022), financial studies have been confirming what green investors already know: that investing to support people and the environment makes financial sense.

For example, Morningstar’s 2022 Sustainable Funds US Landscape Report found that most sustainable funds delivered stronger total and risk-adjusted returns than their conventional counterparts. “Slightly more than half of sustainable funds finished in the top half of their Morningstar Category, led by equity funds,” the report said. Data for the previous five years showed even better results—the returns of 74% of sustainable funds ranked in the top half and 49% in the top quartile returns.

In 2021, a study from Morgan Stanley Institute for Sustainable Investing found that in a year marked by volatility and recession, funds that focused “on environmental, social and governance (ESG) factors, across both stocks and bonds, weathered the year better than non-ESG portfolios.” The research looked at more than 3,000 mutual funds and exchange-traded funds (ETFs) and found that sustainable funds performed better than non-ESG funds in 2020 and 2019.

A meta-analysis by the NYU Stern Center for Sustainable Business of over 1,000 studies on ESG and financial performance between 2015 and 2020 found that 59% of sustainable investments showed similar or better performance compared to conventional investments, while only 14% performed worse. “ESG investing appears to provide downside protection, especially during social or economic crises,” the study concluded.

Even back in 2007, a report by the United Nations Environment Programme Finance Initiative analyzed academic work and key broker studies, finding that SRI investment strategies had competitive performance with non-SRI strategies.

An additional compendium of SRI performance research is available at ussif.org/performance.

Conclusion: You can do well by doing good with SRI.

Terminology

SRI… ESG… sustainable investing… we know what it is, but what do we call it?

Socially responsible investing began in the US investment industry as early as the 1950s with churches and unions that screened their investments and shareholder activism around environmental, civil rights, and weapons holdings. Centering on values, the idea was to use your assets to create a better world.

The concept is even older, if we look at biblical and Indigenous Peoples’ teachings about building and stewarding wealth.

As SRI became more systematic and formalized, the term “ESG investing” came into use, with the idea of applying more measurable standards for environmental, social and corporate governance conduct.

Whether called SRI, ESG or another name, this approach to investing always centers on risks to people and the planet and on financial performance.

Whatever term you use, it’s clear that responsible investing works—and is here to stay nationally and globally.

Banking and Investing for Good

When coronavirus arrived in 2020, it hit the food sector hard—including Urban Growers Collective, a Black- and women-led nonprofit in Chicago working to build a more just and equitable food system.

With eight operating farms on 11 urban acres and almost 30 employees, the Urban Growers Collective needed a Paycheck Protection Program loan to survive, like many nonprofits during the pandemic.

It found that loan at Self-Help Federal Credit Union {GBN}.

“We were essential frontline workers, and the loan allowed us to deepen our community relationships and our ability to address food insecurity and bring nutritionally dense food to our communities that need it the most,” says Erika Allen, founder and CEO.

Allen’s experience with Self-Help was “night and day” different from working with the larger bank where her nonprofit did its daily business. “We were immediately contacted, our application was submitted, and we received relief really quickly. They really catered to our nonprofit,” she says. “It helped us not lose money during the pandemic, and it helped us stabilize our staff.”

Erika Allen is a Black woman with blonde curly hair. She is smiling coyly at the camera with her hands together while surrounded by seedlings.
Erika Allen is CEO of Urban Growers Collective, which manages 11 urban farms like this one in
Chicago. Photo credit: Erika Allen.

Allen enjoyed working with Self-Help so much that a few years later she went back as a first-time homebuyer to finance a mortgage. Again, her experience was much better than at her conventional bank.

“I have worked in not-for-profits for my whole career,” Allen says. “Most of us have been underpaid for many, many years, so even the minimum 3% down, that’s like a whole extra salary.”

While the mortgage terms at her previous bank were “really not great,” at Self-Help, Allen was able to qualify for a mortgage under the Equity Boost program.

“It provided support for my down payment and for closing costs, and because of that I was able to purchase a home—and I was able to use the money I thought I would be putting down to furnish my home,” Allen says.
“It was really a godsend, one of the best programs I’ve ever encountered,” she adds.

Self-Help’s Equity Boost is one of many examples of impact banking and investing that truly helps build community—and programs like that exist all over the country.

Other examples include:

  • The Wisdom Fund by C-Note {GBN} provides lending for women-owned small business—which receive less than 5% of total lending for small-business.
  • The Community Investment Note by Calvert Impact {GBN} finances organizations creating positive social and environmental change, with investments starting as low as $20.
  • The Interest on Lawyer Trust Account (IOLTA) program at Beneficial State Bank {GBN} uses interest earned from bank accounts for court awards to support legal aid services.
  • The Clean Energy for All program at Clean Energy Credit Union {GBN} families experiencing lower income, and communities of color, so they can install clean energy and join energy efficiency projects.
  • Natural Investments {GBN}, a network of financial advisors, has restructured as a Public Benefit LLC, enabling its entire team—60% women and 30% people of color—to share power and profit equally in perpetuity.

Why bank and invest for good?

The reasons these community financial service organizations bank and invest for good are as varied as the institutions themselves.

“First and foremost, the world needs it,” said Justin Conway, vice president of investment partnerships at Calvert Impact{GBN}. “Whether it’s our climate, environmental crisis, or the widening inequality we see in the world, the world needs investors to care about these issues.”

“Community investing allows mom and pop shops to stay open, expand, and build community,” said Brady Quirk-Garvan of the Money with a Mission Team at Natural Investments {GBN}. “We want to keep unique diverse cities and towns thriving.”

“We were created because we saw there was a gap in people being able to afford clean energy for their homes, whether that be solar, geothermal, or making green home improvements,” said Nicole Burford, senior director of marketing and sustainability at Clean Energy Credit Union {GBN}.

Outsized impact

Even small and medium-sized banks, credit unions, and investment firms can have a large impact on local communities and people’s lives. For example, in 2021, Beneficial State Bank (BSB) made $762 million in loans in areas such as affordable housing, environmental sustainability, and fair auto loans.

“A lot of auto financing either hides fees or has predatory fees or interest rates,” said Monique Johnson, director of client and community partnerships at BSB. “We can actually prove that our auto loan borrowers saved an average of 8.32% in interest after refinancing with us.”

CNote, a women-founded and women-led platform focused on closing the wealth gap, deployed $30 million per month for economic growth in under-resourced groups in 2022. Of that amount, 69% went to borrowers in communities of color, 72% to low-to-moderate income (LMI) communities, and 69% to women-led businesses, creating 1,819 jobs.

Among the borrowers helped by CNote was Terri-Nichelle Bradley, who started Brown Toy Box, an educational play-kit company that makes toys to get Black children excited about a career in science, arts, and engineering. When Bradley got a sudden opportunity to stock Brown Toy Box in every Target store in the country, CNote partnered with Access to Capital for Entrepreneurs, a community development financial institution in Georgia, to provide a loan to create quick inventory.

Terri Nichelle Bradley used a loan financed by CNote’s Wisdom Fund to create enough Brown Toy Box inventory to stock every Target store in the country. Photo credit: CNote.

Overcoming obstacles to housing equity

Home ownership is the biggest investment most families make—yet only 44% of Black Americans own their homes, compared to 50.6% of Hispanic Americans, 62.8% of Asian Americans, and 72.7% of white Americans, according to the National Association of Realtors. “One of the biggest things we are seeing is a lot of borrowers looking to purchase homes, but a lot of different obstacles interfering with their ability,” said Daniel Martinez, director of mortgage origination at Self-Help. “So we took a look at it to see how we as a company can lend responsibly but still get individuals into homes.”

Key barriers Self-Help found to home ownership, especially in Black and brown communities, include a low credit score, lack of lump-sum cash for the downpayment, and student loan debt.

To help boost credit scores, Self-Help offers the Fresh Start loan, a small loan of $500 to $2,000 that borrowers can pay off over six months to two years. The money goes into a savings account that earns interest, and when the loan is paid off, the borrower gets both the principal and interest.

Self-Help’s Equity Boost mortgage approves people with credit scores as low as 580. The program folds up to 5% of closing costs into the mortgage, so borrowers may have no down payment. It does not count student loan payments against borrowers on income-based repayment plans. Borrowers with up to 80% of area median income (AMI), or first-generation home buyers up to 120%, can qualify.

Along with Equity Boost, many Self-Help mortgage borrowers enroll in the Savings Account For Emergencies (SAFE) program. Homeowners commit to depositing at least $25 per month into a savings account, and at the end of three years Self-Help gives them $2,000 more.

“It’s not just about being in the community but looking at community needs and developing programs that are actually going to benefit people in the community,” Martinez said. “The big thing about home ownership is building generational wealth.”

Environmental impacts

Equity issues related to renewable energy access also need to be addressed. Among solar adopters, only 15% have incomes less than $50,000 per year. Most solar adopters make over $100,000 annually, according to Berkeley Labs.

“We looked at that and said, we’ve got to change this,” said Nicole Burford of Clean Energy Credit Union.
To address this, CECU launched the Clean Energy for All program, offering a 0.5% interest rate discount on loans for households experiencing low-income, and households of color, with a credit score of 680 and above, and even steeper discounts for those with credit scores of less than 680. Over time, these lower interest rates save borrowers a lot of money.

CECU is also adding new options for its solar loans. Previously the loan had two parts: a long-term loan for 70% of the cost, and a short-term loan for 30% that borrowers could repay when they received their 30% tax credit through the Inflation Reduction Act.

The problem for borrowers with low income is that they did not make enough to pay taxes, and so did not get the tax credit. “And then they were stuck with a 30% loan that’s due in 18 months,” Burford said. So CECU is designing a 100% long-term solar loan for its low-to-moderate income borrowers.

Clean Energy Credit Union helps families experiencing low income, and communities of color, to
finance solar panels, electric vehicles and other green upgrades to their homes.

Calvert Impact has also launched a new product to fight climate change: the Cut Carbon Note, which will generate $400 million in financing for sustainability upgrades in office, industrial, and multi-family residential buildings—a top source of greenhouse gas emissions.

“We are pretty far off our climate goals, so we need some big solutions,” said Justin Conway of Calvert Impact. “Through these green bonds, we are trying to change the way we build to a new low carbon standard.”

So far, the program has saved $21.5 million in energy costs and 82,856 metric tons of carbon emissions through efficiency upgrades at the Coliseum Building in Minneapolis, apartment buildings in Cleveland, Cincinnati, Milwaukee, and San Antonio; and a solar array at an office building in Euclid, Ohio, among other projects.

Beneficial State Bank is also investing in the environment through its new location at Altasea, a unique public-private ocean institute that brings together science, business, and education at the Port of Los Angeles. The bank’s commercial loan hub, literally working out of a shipping container, will provide financing for nonprofits and businesses that operate in the burgeoning “blue economy.”

Beneficial also has loan offices at the Los Angeles Cleantech Incubator, Seattle’s Bullitt Center, and Portland’s PAE Living Building.

“All of these locations pick and choose their tenants, we were thrilled to be part of that ecosystem,” said Monique Johnson of Beneficial. “That’s where we need to be—those are our people.”

Future directions

Interest in community banking and investing has skyrocketed in recent years, especially among women and young people.

“Every two years, we do an investor survey, and we’ve always seen high interest in impact investing,” said Justin Conway of Calvert Impact {GBN}. “But this year the number of investors who said they actually made an impact investment jumped from 19% in 2020 to 59% in 2022. That’s almost a three-fold increase in two years.”

For Daniel Martinez of Self-Help, the biggest emerging trend is young home buyers coming into the market. “They don’t have $20,000 to $30,000 fresh out of college,” he says, but Self-Help’s Equity Boost program can help them qualify.

Self-Help is doing outreach at historically Black colleges and universities (HBCUs) to reach young borrowers. “We’re trying to reach particularly Black and Latino young people so they can start building equity in their homes and wealth at a much younger age,” Martinez said.

Danielle Burns, head of business development for CNote, and a Green America board member, also sees a higher interest in impact data measurement and reporting. “Clients are seeking greater transparency around where their dollars sleep at night and want tangible stories on how those dollars are impacting communities,” Burns said.

Impact is also important on the personal level, Self-Help client Erika Allen said. She hopes to pay forward the help she got for her mortgage to her community by partnering with Self-Help to offer financial counseling and technical assistance to other first-time home buyers at a new community education center.

“I wanted to go through the process so I could help support other team members get these resources,” Allen said. “It always helps me when I know I’m helping other people.”

Calvert Impact’s Cut Carbon Note has financed energy upgrades in buildings across the country. Photo credit: Calvert Impact.
Our Freedom to Invest Responsibly is Under Attack

The Norfolk Southern train derailment disaster in East Palestine, Ohio, in February 2023 illustrates why socially responsible investing is so important.

Norfolk Southern, owned 63% by institutional investors including Wall Street banks, ranks poorly on corporate Environmental, Social, and Governance (ESG) guidelines, and the company’s conduct leading up to and after the disaster show why:

  • It cleared the tracks after the derailment by burning over 1 million pounds of toxic chemicals, killing 44,000 fish, amphibians, and reptiles.
  • It laid off a third of their workforce while multiplying stock buybacks to boost profits.
  • It has long fought rail safety regulations such as labeling flammable chemicals hazardous and upgrading train brakes.

Does Norfolk Southern sound like a company you’d like to invest your retirement funds in? Me neither.

Through socially responsible investing (SRI), investors can screen companies like Norfolk Southern out of our portfolios.

Incredibly, responsible investing is now in the crosshairs of political attacks on both the federal and state levels from a network of culture war groups funded in part by Big Oil.

A climate ‘risk wall’

As Sens. Sheldon Whitehouse (D-RI), Brian Schatz (D-HI), and Martin Heinrich (D-NM) explained in an op-ed on CNBC, the financial risks of the climate crisis are now so apparent that the fossil fuel industry is trying to hide the risk, just as they denied the science for decades.

“The underlying problem is that the fossil fuel industry is running up against a ‘risk wall,’” the senators wrote. “Rather than reduce their emissions, or face up to the risks that they cause, the fossil fuel industry is trying to break and remake traditional risk reporting to selectively remove reporting of climate-related risks.”

Sen. Sheldon Whitehouse (D-RI) giving a speech at a podium with a green sign that says Time To Wake Up next to him.
For nine years until 2021, Sen. Sheldon Whitehouse (D-RI) gave 279 weekly “Time to
Wake Up” speeches on the need for climate action.

Congress targets socially responsible investing

In January 2023, a new Department of Labor (DOL) rule went into effect, allowing—but not mandating—retirement plan managers to take ESG considerations into account in their investment decisions.

Almost 7,000 Green America members signed a petition in support of the DOL rule, which reversed two previous Trump administration rules that had required retirement plans to invest solely based on “pecuniary factors” and made it difficult for shareholders to vote on ESG-related resolutions.

Through the Congressional Review Act, Congress can repeal a rule within 60 days of it going into effect. The House and Senate both voted to repeal the DOL rule, squashing the ability of retirement fund managers to invest using ESG principles.

In March, President Biden issued the first veto of his administration, upholding the DOL rule that protects investors’ freedom to invest responsibly.

Since then, House committees have held several hearings to “investigate” ESG practices, full of talking points about “woke” investing. The hearings, featuring witnesses with long track records of climate denial, have been characterized as “off the rails” and “seriously weird.

Some politicians admit all this is messaging to motivate their base in pursuit of their right-wing political goals. “It’s not going to drive much policy, because the president will veto anything he doesn’t like,” Sen. Kevin Cramer (R-ND) said. “It’s largely politics.”

Battle in the states for freedom to invest responsibly

Although anti-ESG action on the federal level is more smoke than fire, actual policy has been enacted in some states. As of June 2023, 156 bills and nine resolutions were proposed in 37 states. Of those proposals, 18 laws have passed in 11 states, six resolutions in three states, and six bills await governor action.

These proposals are primarily of two types: bills that target public worker pension programs and bills that target state contracting authority. Both types reflect a right-wing political agenda:

Pension bills usually require financial officers or pension boards to focus solely on factors that have a material effect on risk or return, based on the false premise that climate, labor, and other ESG considerations don’t have an effect.

One model bill from the American Legislative Exchange Council (ALEC) forbids considering “events in the distant future or that are systemic”—a clear reference to climate change. Another model bill from the Heritage Foundation forbids consideration of greenhouse gas emissions or diversity among corporate boards or employees. Other bills forbid investing in companies that limit or boycott fossil fuels, firearms, agriculture, timber, animal products, or that provide abortion access and transgender health services.

Contract bills usually prohibit states from doing business with financial service companies that limit or boycott fossil fuels—even though financial companies typically use screening, not boycotting, as a tactic. Some bills prohibit state contracts with any company that limits a list of favored industries including fossil fuels, timber, mining, agriculture, firearms, and more. Many bills require state treasurers or comptrollers to create a blacklist of companies the state is not allowed to do business with.

Fortunately, while 28 anti-ESG state laws and resolutions have passed, many more have been defeated. As of August 2023, 88 anti-ESG bills have died, including all in 18 states: Alaska, Colorado, Georgia, Iowa, Maine, Minnesota, Missouri, Mississippi, Nebraska, Nevada, New York, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Virginia, and Wyoming. Pleiades Strategy keeps a running tracker on these bills.

Backlash to the backlash

Contributing to the defeat of state anti-ESG bills were local bankers and business owners. As Rick Clayburgh of the North Dakota Bankers Association testified, anti-ESG legislation is “not solving any problem except putting a burden onto a single industry in this state—the state-chartered financial institution—that aren’t the problem … and yet we’re going to bear this burden so that the North Dakota legislature can send a message to national and global financiers and insurance companies.”

Multiple studies have found that refusing to do business with companies that use ESG in decision making—which includes most major corporations—costs a lot of money.

The underlying problem is that the fossil fuel industry is running up against a ‘risk wall,’ … Rather than reduce their emissions, or face up to the risks that they cause, the fossil fuel industry is trying to break and remake traditional risk reporting to selectively remove reporting of climate-related risks.

From an op ed by Sens. Sheldon Whitehouse (D-RI), Brian Schatz (D-HI), and Martin Heinrich (D-NM)

Where is this coming from?

These attacks on our freedom to invest responsibly at the federal and state levels didn’t arise out of nowhere. It’s important to understand where they come from—and why.

In April 2020, a Chicago electronics magnate named Barre Seid gave the largest known political donation in US history—$1.6 billion—to Leonard Leo. If Leo’s name sounds familiar, that’s because for years he led the Federalist Society, which is widely credited with putting a majority of far right-wing justices on the Supreme Court.

With this, Leo launched a network of organizations aimed at reshaping American society—taking direct aim at sustainable investing.

“The ESG movement is polluting our culture and assaulting the dignity and worth of people,” Leo told The Wall Street Journal. “Our enterprise stands with a growing group of Americans who are fighting to crush leftist dominance in this arena.”

Graphic of the United States with faces and names of financial officers in each state.
Members of the State Financial Officers Foundation. Credit: Center for Media and
Democracy.

Anti-ESG groups benefiting from Leo’s largesse include:

  • Consumers Research: Founded in 1929 to test consumer products, CR split from Consumer Reports in 1981 to become a watchdog of liberal causes. With funding from Leo, CR has spent $10 million on anti-ESG campaigns, attacking BlackRock Chair and CEO Larry Fink and pushing Vanguard to drop out of the Net Zero Asset Managers Alliance. They also issue “woke alerts” on brands such as Target and Bud Light.
  • State Financial Officers Foundation (SFOF): Based in Kansas, SFOF once pulled together state treasurers to discuss issues like borrowing costs, but recently emerged as a key player in using state treasurers to blacklist companies that employ ESG practices. In response to the Inflation Reduction Act, SFOF worked to combat climate action by opposing federal appointments and sponsoring an anti-ESG website.
  • Republican Attorneys General Association: Also funded by Koch Industries, Chevron, and Exxon, this group of state attorneys general sued to stop the DOL rule allowing ESG investing, told 53 top asset managers that ESG investing may violate antitrust law, and motioned to stop BlackRock, a major asset management firm, from voting shares in utilities that adopt ESG practices.

These and other anti-ESG groups are networking with longtime purveyors of climate denial, including:

  • Heritage Foundation: A prominent conservative think tank funded by the Koch brothers, Heritage produces articles, podcasts, and a website attacking ESG as a threat to the American way of life, and, absurdly, funded an ad portraying an oil driller denied a bank loan because he doesn’t identify as nonbinary.
  • American Legislative Exchange Council: A longtime corporate bill mill funded in part by the Koch brothers, ALEC provided much of the model anti-ESG legislation that targets public pensions and state contracts. Although the model bill requiring states to create a blacklist of companies that use ESG was not formally endorsed, the legislation was proposed in 40 states and passed in five.
  • Heartland Institute: Another climate denial think tank, Heartland has also turned its attention to ESG. Its April 2023 report claims ESG threatens individual liberty, free markets, and the US economy. Heartland has long hosted an annual climate misinformation conference, now featuring anti-ESG speakers such as Utah Treasurer Marlo Oaks, who compared ESG to Nazism.
Graph of sustainable investing increasing since 1995.
Source: US SIF: The Sustainable Investment Forum

ESG train has left the station

These well-funded anti-ESG campaigns are having some effect. For example, BlackRock CEO Larry Fink has been backtracking on past climate commitments and Coca-Cola CEO James Quincey said that while the company won’t stop considering sustainability, “I’m just going to stop saying ‘ESG’.”

Still, ESG is not going anywhere. Already $8.4 trillion—or 1 in 8 dollars under asset management—use sustainable investing strategies, according to The Forum for Sustainable and Responsible Investment (known as US SIF). At the start of 2020, global sustainable investment reached $35.3 trillion in five major markets, a 15% increase from 2018 to 2020.

Moreover, the consensus among investment managers is that ESG works.

“85% of investment managers and 96% of S&P 500 companies use ESG to mitigate risk, find opportunities, and build profits,” says Peter McKillop, CEO of Climate & Capital Media. “Among US institutional investors, 81% plan to increase ESG allocations, boosting more sustainable assets under management 84% by 2026.”

That means the most effective way we can fight the anti-ESG campaign is to keep voting with our dollars. When consumers and investors work together to encourage companies to adopt climate-friendly policies and support workers and human rights, it has an impact – and makes companies more profitable over time.

85% of investment managers and 96% of S&P 500 companies use ESG to mitigate risk, find opportunities, and build profits…Among US institutional investors, 81% plan to increase ESG allocations, boosting more sustainable assets under management 84% by 2026.

—Peter McKillop, CEO of Climate & Capital Media
Guide to Socially Responsible Investing and Better Banking

Your comprehensive financial planning handbook

Get Spooky with Sustainable Halloween Costumes

It’s that time of year—spooky season! Apple picking, pumpkin spice, cobweb decorations, and, of course, costumes. Dressing up is one of the all-time great traditions of All Hallows’ Eve, whether it’s a classic vampire, a character from your favorite movie, or a niche cultural reference. Unfortunately, so many pre-made costumes are made and packaged with plastic and other toxic materials like synthetic fibers made from petro-chemicals (a product of fossil fuels). It’s time for that to change, and time for sustainable Halloween costumes to become the norm. 

Now, you can become movie icon M3gan or tennis star Coco Gauff without worrying about wearing something that’s bad for you and the planet. 

Every item recommended in this article comes from our thousands of certified Green Business Network members, which meet or exceed Green America’s standards for social and environmental responsibility. 

The White Lotus 

If Halloween costumes mean dressing up as someone you’re not, why not dress as the wealthy and vacationing drama queens of our dreams? AKA the colorful cast of characters from HBO’s The White Lotus Season 2! 

Dressing up as Jennifer Coolidge’s iconic Tonya (warning: an impression is mandatory), you will feel even better when you’re doing it ethically (unlike all the characters in The White Lotus). 

Mimci Tonya’s gauzy, effortlessly chic scarf with the Pink Flower Petals Scarf from Sympatico Clothing or Natural Clothing Company’s Organic Cotton Scarf in coral. 

On the romantic shores of Italy, there are a few clothing staples our leads—and your costume—must have. 

Wooden Element has a vast and beautiful collection of sunglasses, from classic aviators to sleek black looks, to channel your inner Aubrey Plaza or Theo James. 

Black aviator sunglasses for your sustainable Halloween costumes
Photo: Wooden Element

Plus, don’t forget about your easy, breezy linen pants. The hemp clothing at Dash Hemp Santa Cruz is a perfect selection of the comfortable, drawstring pants many characters on The White Lotus wear. 

Finally, don’t forget about accessorizing with upscale jewelry to look rich and dramatic while sipping wine in Sicily. 

Shanti Boutique boasts lots of beautiful pieces, including golden suns similar to Meghann Fahy’s. WorldFinds is another place where you can find an array of both colorful, statement jewelry pieces or more delicate necklaces and earrings. 

Gwyneth Paltrow’s Ski Trial Style 

It probably seems like years ago now, but it was just in May 2023 that, for a few, blissful days, we were all connected—watching Hollywood star Gwyneth Paltrow dress her best during her skiing incident court battle. 

Just look how put-together Ms. Goop herself is! 

Natural Clothing Company has a cozy, cream-colored turtleneck sweater which is perfect for the brisk springtime of Park City, Utah, where the court proceedings took place. Then head over to Texture Clothing for their Posh Pants in espresso

To complete the look, Paltrow wore a lot of gold jewelry during the days-long trial. Consider these simple gold arch studs from Altiplano or go back to WorldFinds. 

M3gan 

Brush off those dance moves and channel one of the year’s earliest pop culture icons—the AI doll M3gan herself. 

With sustainable clothing to dress as the camp robot, you’ll definitely be titanium. 

To start, you’ll want a striped shirt and both Blue Canoe and Yala have you covered there. Blue Canoe also has the perfect white tights made of organic cotton and bamboo. 

Then, check out Fair Indigo’s Women's 100% Organic Cotton Polo Dress in olive (close enough!) or Faerie’s Dance’s Baby Doll Dress

US Open Champ Coco Gauff 

You can also go with a more recent cultural moment for your sustainable Halloween costume and dress as US Open women’s champion, Coco Gauff. 

To go for her all-red look, try Faerie’s Dance’s Lattice Back Cami in paprika paired with Natural Clothing Company’s Organic Cotton Wrap Skirt in cabernet. 

If you’re feeling a bit bolder, try out Texture Clothing’s Comfy Skirt Gathered Mini in lime to pull off Gauff’s brighter US Open look. 

Whichever one you go for, definitely don’t forget Gauff’s dark red headband to show you mean business. Soul Flower's Recycled Boho Headband in plum is perfect.

White woman wearing a soft headband in plum. Sustainable Halloween Costumes.
Photo: Soul Flower

All the Rest for Your Sustainable Halloween Costumes 

Even if you can’t find everything for your costume from a sustainable green business, you can still piece together parts of it with eco-friendly products. 

If you’re going for a Barbie look this year, Plain Jane Beauty’s Diamond Pink highlighter from SMB Essentials is perfect. 

Or if you’re more of a Ken, make sure to get an organic t-shirt to pull off the look. The Good Tee has all the best options for you. 

If budget is a concern, don’t worry. Despite the myths, being a sustainable consumer doesn’t have to break the bank. Go thrifting to put together your costume or if a friend has a piece in their closet that would be perfect, suggest a clothes swap or borrowing it! 

Or maybe you’re a craft person with the skills and time to make your own costume—there are so many ethically-sourced fabric businesses to avoid the big box stores. 

When Halloween is over, don’t forget to take care of your skin—especially if you commit to that fabulous and scary makeup! One Love Organics and MuLondon have tons of ethical options for cleansers, moisturizers, and beyond to keep your face clean and healthy without any toxic chemicals or animal testing. 

Happy (sustainable) haunting! 

The Green Business Network is a program of Green America; our certified members adopt principles, policies and practices that improve the quality of life for their customers, employees, communities, and the planet. Comprised of thousands of businesses that meet or exceed our standards for social and environmental responsibility, the Green Business Network is key for the work Green America does: harnessing economic power—the strength of consumers, investors, businesses, and the marketplace—to create a socially just and environmentally sustainable society. 

“Back to School” Financial Tune-up: A Checklist for Gen Z

This is a guest blog from Green Business Network member Longwave Financial.

Now that the seemingly endless summer days are almost behind us, it’s a perfect time to shift attention from beach days, concerts, and (vegan) BBQ’s to a different kind of adventure: your lifelong financial journey. Like many people in their 20’s and 30’s, I find myself having to strike a balance all the time – there’s personal life and goals, career progression and navigating wants versus needs. It can feel like everything everywhere all at once and the struggle is prioritizing without compromising your joy or your principles.

Personally, this was truly a summer to remember – in a span of a few short weeks, I got engaged, moved to a new town, and even got a puppy. My partner and I cherished every moment yet each decision came with a lot of inner debate and what we want, what we can afford and how that impacts the short term and long term. Making big choices means seeing things in context and understanding the whole financial picture. Since so many of us in this age group are facing similar situations, I wanted to share a framework for thinking about your financial life.

With the turn of the season, holiday spending on the horizon and “new year, new me” coming sooner than we think, it’s a great time to revisit our financial pictures. Whether you’re just starting to dip your toes into the stock market or have been investing for a while, a financial checkup can help you stay on track and make good decisions with your money. We’ll dive into some key areas for your financial wellness, such as budgeting, saving, and managing debt, while staying true to your values and making a positive impact on the world.

1. Identify your goals:

The first step of investing is to think about what you’re investing for. After all, you don’t get into your EV without knowing your destination, right? The same goes for investing. Consider your goals across different timeframes: short-term (1-3 years), medium-term (3-5 years), and long-term (5 years+). Start by reflecting on your aspirations, whether it’s buying your first home, having the financial freedom to spend more time volunteering, or starting a non-profit in the future. Write down your goals and create smaller, measurable milestones, such as a savings target each month. Having clear objectives will keep you motivated and focused on your savings journey.

A man in sneakers, grey pants, a white hoodie, and a navy puffer jacket stands outside with a massive river behind and below him. Gen Z finances.
Brennen Ramos. Photo Credit: Longwave Financial

2. Evaluate your financial situation:

Before you build a house, you must set the foundation. The first building block is creating a monthly budget; check to see what comes in each month and what goes out. Ideally, you’ll have some money left over each month to save towards your goals. If you don’t, take a closer look at your expenses to see if there are areas you are willing to adjust. You’ll likely find more flexibility in your variable expenses, things like concert tickets, going out to eat, and travel—those additional savings can go a long way. You may want to align your budget with your values by allocating funds for environmentally friendly products, fair-trade goods, and companies with strong ESG practices (ESG stands for Environmental, Social, and Governance – these are non-financial standards that socially conscious investors use to evaluate investment choices). You may want to consider prioritizing sustainable living choices that fit into your spending plan.

3. Be wary of debt:

It’s no secret that interest rates have risen over the past year. When was the last time you checked the rate on your borrowing? According to Forbes Advisor, the current average credit card interest rate is a staggering 28.01%. Like a snowball rolling down a hill, interest charges on your credit cards could grow and compound if you don’t pay off the balance each month. People in our generation already have enough hurdles to jump in our financial lives – mounting student loan debt and record-high housing costs – credit card debt can become another major setback in our ability to save. If you have multiple credit cards, consider first paying off the balances of the cards with the highest interest rate. When it comes to banking and credit, consider using environmentally friendly and socially responsible banks and credit unions such as Amalgamated Bank or Clean Energy Credit Union. You may want to choose green banking options that support renewable energy projects and contribute to a greener economy. By working with the right bank, you can support companies that are involved with divestment from fossil fuels and benefit community development projects.

4. Set up an emergency fund:

We’ve all experienced a time where an unexpected expense arises. Whether it’s a plumbing issue in your home, a job loss, or an unforeseen medical emergency, having quick access to cash can be critical during uncertain times. Maintaining a rainy-day fund is always a good idea. This way, when the unexpected arises, you won’t find yourself dipping into your savings or taking out unwanted debt. Most financial experts typically recommend keeping aside three to six months’ worth of expenses in an emergency fund. This money should be in a safe and easy-to-access place like a savings account or money market. Check the interest rates on savings accounts at your local community bank to ensure you’re maximizing the interest you earn. Often, you’ll find rates at local banks and credit unions offer higher interest than what you’ll find at the big banks.

Most financial experts typically recommend keeping aside three to six months' worth of expenses in an emergency fund.

5. Supercharge your retirement savings:

Who doesn’t love the idea of ‘free money’? According to the Plan Sponsor Council of America, 98% of 401(k) plans make contributions to employee’s retirement savings. This contribution, or “match,” is money your employer adds to your own contributions. For example, your company might match dollar for dollar up to 4% of your earnings, which means if you contribute 4% of your salary, your employer will add an extra 4% to your account. These additional savings can bolster your retirement funds. For self-employed individuals or business owners, consider setting up a retirement plan such as a SIMPLE IRA, SEP IRA, or Solo 401(k). You may want to consider exploring your employer’s plan to see if they offer ESG investment options. As an investor, every dollar you shift towards ESG-oriented companies is a vote for a sustainable and ethical future.

6. Invest according to your values:

You have the choice of where you invest your money. Companies use your investment dollars to run and grow their businesses. Before you buy a stock or bond, you may want to consider companies that prioritize environmental sustainability, social responsibility, and good corporate governance practices. Try to avoid companies involved in industries that conflict with your principles. The world of values-driven investing is constantly evolving, with more and more companies being held accountable for their actions. Stay informed and educate yourself on emerging trends, new investment opportunities, and evolving ESG standards. You’ve worked hard for your money—you should feel good about the companies you invest in.

The Green Business Network is a program of Green America; our certified members adopt principles, policies and practices that improve the quality of life for their customers, employees, communities, and the planet. Comprised of thousands of businesses that meet or exceed our standards for social and environmental responsibility, the Green Business Network is key for the work Green America does: harnessing economic power—the strength of consumers, investors, businesses, and the marketplace—to create a socially just and environmentally sustainable society.

Brennen Ramos is a financial advisor and CERTIFIED FINANCIAL PLANNER ™ Professional at Longwave Financial. He works with clients in the NY region as well as throughout the country. He lives in Harrison New York with his fiancé Taylor and his puppy Stella. Growing up in the Hudson Valley has made him an outdoors fan for life and when he’s not working, he’s hiking or fly fishing. If you have any questions or would like to know more, you can reach him directly at Brennen@longwavefinancial.com or connect with him on LI.

Investments are subject to risk, including the loss of principal. Environmental, social, and governance (ESG) criteria is based on a set of non-financial principles in addition to financial principles used to evaluate potential investments. The incorporation of non-financial principles (i.e. social, environmental, political) can factor heavily into the security selection process. The investment’s social or environmental focus may limit the investment options available to the investor. Past performance is no guarantee of future results.

Securities and advisory services through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser.  Additional advisory services offered through Longwave Financial LLC are separate and unrelated to Commonwealth.

Longwave Financial 420 Lexington Avenue Suite 845 New York, NY 10170 212-279-9121

Three Reasons to support the FABRIC Act

What is the FABRIC Act? 

The Fashioning Accountability and Building Real Institutional Change (FABRIC) Act, advocated by a powerful coalition of garment workers, NGOs, and businesses, was reintroduced by Senator Kirsten Gillibrand, D-N.Y. on September 15, 2023. The bill aims to protect US garment workers by eliminating predatory piece-rate payments that are an industry standard practice, while expanding garment manufacturing in the US.   

Senator Gillibrand explains, “For far too long, garment workers and the once bustling American manufacturing industry have been overlooked. Garment workers in the United States are often underpaid, overworked, and put in unsafe conditions. From designers to managers to workers, women overwhelmingly play a leading role in this important industry. I’m reintroducing the FABRIC Act, a one-of-a-kind federal bill, that would thread the needle of protecting workers’ rights, putting an end to subminimum pay rates, and ensuring equitable compensation for garment workers, while also making historic investments in domestic garment manufacturing. Protecting the garment workforce is a sustainability issue and has direct impacts on economic prosperity, environmental sustainability, and gender equality. It’s time to take bold action at the federal level to change the fabric of the American garment manufacturing industry so we can protect these vital workers and not only make American, but buy American.”  

In order to become law, the FABRIC act needs support from workers, consumers, businesses, and investors. Green America is joining with workers and allies nationwide to support the FABRIC Act.   Here’s why we should all support it.  

Reason 1: Stop Workers Exploitation in the U.S.  

Currently, there are approximately 100,000 garment workers across the United States, with 40,000 concentrated in Los Angeles. Labor abuses are common in the industry with some workers making less than $3.00 per hour. The FABRIC Act was modeled after the successful passage of S.B. 62, the Garment Workers Protection Act in California in 2021, which established an historic minimum wage for garment workers throughout the state. 

By and large, the overworked and underpaid garment workforce consists of immigrant, people of color, and women.   

Delia, originally from Guatemala, is a member of the Garment Workers Center in Los Angeles and she explains, “I am a seamstress with more than 30 years of experience in the industry. [….The FABRIC Act] will impact an industry that has paid by the piece for many years and has a lot of exploitation and wage theft. Los Angeles garment workers like myself organized to demand a minimum and fair wage and managed to pass the law called SB62 in California in 2022. This law has created changes that I personally have benefited from because it guarantees me a minimum and fair wage in my work. Now the cost of living is so expensive – from rent, food, to medicine — a guaranteed minimum wage would help me to cover my expenses. And the purpose of the FABRIC Act is to extend these protections so garment workers in every state can benefit from these types of protections. The law would also hold brands accountable and demand that they comply with the law.”

“Now the cost of living is so expensive – from rent, food, to medicine — a guaranteed minimum wage would help me to cover my expenses. And the purpose of the FABRIC Act is to extend these protections so garment workers in every state can benefit from these types of protections. The law would also hold brands accountable and demand that they comply with the law.”

The garment workforce in the United States experiences the second-highest rate of wage theft in comparison to other groups of workers in the country. It is no surprise that garment workers are mostly immigrants and women. For Petra, a garment worker in San Antonio, TX, “[coming] to the United States following the American dream... My first job, I was discriminated against for being a woman, for my color, and for not speaking English. I accepted it because I didn't know my rights.” 

This federal legislation, if passed, would hold fashion brands and manufacturers nationwide accountable to pay garment workers a minimum wage and eliminate the current notorious piece-rate pay scheme in a complicated supply chain.  The proposed bill would further lay the groundwork for increased accountability through the establishment of a national registry that will create transparency and allow the US Department of Labor to hold bad actors accountable.  

Reason 2: Reshoring a greener garment manufacturing sector 

Garment manufacturing in the United States reached its height in 1973 with 1.4 million in the workforce, and experienced a steady decline since then. A policy of offshoring and outsourcing has led to brands relying on overseas factories with the lowest labor costs and labor protection, often accompanied by marginal environmental regulations. Senator Gillibrand makes the crucial connection that “[p]rotecting the garment workforce has direct impacts on economic prosperity, environmental sustainability, and gender equality.” 

According to the report “The Environmental Benefits of Reshoring” published by the Reshoring Institute in 2021, reshoring manufacture can reduce transportation emissions, improve energy efficiency, reduce pollution, and increase transparency. 

 The bill provides a $50 million per year support program to provide grants and technical assistance to manufacturers for safety improvements, training, equipment upgrades, and workforce development. And it provides a 30 percent tax credit to companies to offset their onshoring costs. According to Ayesha Barenblat, the CEO of Remake, “[t]he FABRIC Act is a timely bill that would create jobs of dignity right here at home at a time when onshoring interest has gone up. The bill includes necessary investments to spur cleaner, greener manufacturing in the United States.” 

Reason 3: Propel U.S. as global leader in a growing market for responsibly produced apparel.   

Behind fashion’s glamour and fast fashion’s convenience is the dark reality of forced labor, rampant wage theft, and abuse. One of the historic pieces of legislation President Joe Biden signed in his first year in office was the Uyghur Forced Labor Prevention Act. However, around the world, garment workers are owed an estimated $11.85 billion in stolen wages and severance between March 2020 and March 2021 alone. 

There is a growing movement of designers, companies, and consumers calling for more ethical fashion nationwide. The US could become a leader in producing garments that pay a living wage to workers, protect the environment, and provide long-lasting and stylish clothes. Green apparel companies, like those in Green America’s Green Business Network, would be able to onshore all their production and lower their shipping costs.  Consumers could trust that the Made in the USA label guarantees minimum standards in terms of labor protections. 

The fashion and apparel industry has been a driver of a race to the bottom. With the FABRIC Act, we can begin to correct our course and invest in responsibly produced apparel.  We can put the US on the map as a producer of environmentally responsible clothes that benefits workers.

Take Actions:  

Decarbon

There’s an app for everything these days—from calculating how high you can throw your phone to a “hand cooler” (it just emits the sound of a fan)—but what about a free and easy-to-use app that’s actually useful and calculates the carbon footprint of your purchases while offering tangible solutions? Meet Decarbon, co-founder Kyle Graycar’s solution to help people feel empowered about climate change. 

Decarbon, a certified green business, has a simple set-up: Connect your bank account using the trusted third-party integrator Plaid (used in similar apps like Venmo). The app then categorizes all your transactions and assigns them carbon footprints, providing you with insights and recommendations to lower your footprint based on your purchases. 

Monitoring transactions is a good way to track your carbon footprint and vote with your dollar, but equally important is where you bank. Mega-banks are some of the biggest funders of fossil fuels and the rapidly evolving climate crisis, so break up with your mega-bank and then sign up for Decarbon. 

Graycar understands reservations about providing bank account info, recalling when the app first began: “These very valid questions came in: ‘Is this a scam? How do I trust this tiny startup with my data?’” 

Plus, how does the app calculate carbon footprints and are the solutions truly actionable? We’ve got all the answers on your latest app obsession.

There’s No Secrecy Here, Only Transparency 

Both the app and Plaid are trustworthy and secure, with access only to basic transaction information, but Decarbon also offers alternative ways to calculate your footprint, like a monthly estimate based on a questionnaire or the ability to manually put in transactions. 

Transparency is the pillar of Decarbon, as evidenced by its open-source database. Every number, every calculation has an explanation. 

In the app, users need only investigate the Budget section to see the exact calculations Decarbon utilized to determine the emissions estimate for each transaction. Plus, users can also modify every transaction to make it more accurate. 

Your Decarbon profile. Photo: Decarbon

“We use publicly available scientific and governmental sources,” Graycar says, all of which is outlined both in the app and on the website. “Being open source, we hope to eventually gather a community of contributors who can help us expand and deepen the accuracy of our calculations.” 

The actual calculation is simple multiplication: dollar amount x emissions factor for that transaction category. If the purchase has a modifier, like diet (vegetarian, vegan, etc.) or renewable energy used in a utility bill, that is also considered. 

Like any piece of technology, changes are expected and Graycar embraces them. 

The Decarbon website also offers an extensive guide to help you both understand the app better and various climate topics.

Education → Action 

What good is knowing your carbon footprint, however, without solutions? That’s why Decarbon is far more than a simple calculator. 

It offers several solutions to aim for a net-neutral life as much as possible, from food habits to alternative places to shop and beyond. 

“Some of the actions in the app don't even have to do with your personal carbon footprint, it could be about promoting bike safety in your community to encourage zero carbon transportation,” Graycar explains.  

Decarbon also offers carbon offsets for purchases to help towards your net-zero future. 

Staying consistent to his commitment to accessibility and intentionality, Graycar notes it is a priority to offer affordable and verified carbon offsets. 

“It’s a balance of making the currently offered offsets as rigorous as possible by following certification standards, while also making them as accessible as possible by providing a range of prices,” he says.

A screenshot of the Decarbon app. Carbon footprint.
Example carbon offset programs Decarbon offers. Photo: Decarbon
A screenshot of the Decarbon app. Carbon footprint.
Carbon offset project details. Photo: Decarbon

Graycar acknowledges other factors in choosing offsets, like location, preferring projects based in the United States, and projects that physically remove carbon from the atmosphere. 

Ultimately, however, while the app offers this option, Graycar knows offsets alone won’t solve the climate crisis. 

“It's so much more important to take steps to reduce your own emissions by completing climate actions and to inspire your peers to reduce their emissions with you,” he says. “Carbon credits, as Al Gore has put it, need to be a last resort once you've made an effort to lower your footprint.” 

Most Importantly, It’s Free and Communal 

Since Decarbon launched in 2020, and during its development years, Graycar has been intentional about how it operates. The first and most obvious benefit is that the app is free, which Graycar describes as an “accessibility thing.” To achieve collective action, mass participation is required, and the first barrier is cost. 

There is also a community element to the app, where users can discuss different sustainable solutions, offer personal tips, and learn from each other. 

Collabs are another feature of the app—mini podcasts showcasing a different thought leader in the climate space each month. 

It’s also a way, Graycar hopes, for people to feel less alone and discouraged while doing this work. 

“The last thing that we should be feeling is embarrassment or shame,” he says. "You're showing up and putting intention into your footprint—that's incredible. The people most responsible for the climate crisis, corporations and governments, should be taking these steps, of course, but as individuals if we act collectively, we can really make a difference.” 

Inspiringly, Graycar says, users have started using Decarbon towards goals he never imagined. 

“I spoke with a user who lives in rural Colorado,” he explains. “He was stoked about the app and plans to use it to engage his county government in taking climate action and introducing legislation. It’s a use for Decarbon I never considered.” 

Collective action at work, indeed. 

Pro-fracking public comments in Ohio stem from 'misleading' ads

Cathy Cowan Becker, a co-founder of the environmental group Save Ohio Parks, said the Facebook ads were “misleading” and may have tricked people into submitting a pro-fracking comment to state regulators.

Pro-fracking public comments in Ohio stem from 'misleading' ads

Cathy Cowan Becker, a co-founder of the environmental group Save Ohio Parks, said the Facebook ads were “misleading” and may have tricked people into submitting a pro-fracking comment to state regulators.

Green America Celebrates Hispanic Heritage Month

September 15 marks the beginning of National Hispanic Heritage Month, a celebration of Hispanic and Latin Americans’ history and culture and an opportunity to recognize the important contributions made by those in the communities. This year’s theme is “Latinos: Driving Prosperity, Power, and Progress in America.” Hispanic Americans are the largest racial or ethnic minority in the United States, constituting 19% of the total population.  

The specific start date of this observance carries important historical significance, the countries of Costa Rica, El Salvador, Guatemala, Honduras, and Nicaragua declared their independence from Spain on the same date in 1821. Several more national independence days are also celebrated during National Hispanic Heritage Month, including Mexico on September 16, Chile on September 18, and Belize on September 21. 

The theme of this year’s National Hispanic Heritage Month highlights the substantial positive impact that Hispanic and Latin American communities bring to life in the United States. The Hispanic community is a key force in America’s financial prosperity, contributing 2.8 trillion dollars to the economy in addition to being the number one job creators in the country. The 19 million Hispanic and Latin American essential workers push to keep America running. 

The community of Hispanic people in the United States is often reduced to a simplistic and unfair depiction of the multidimensional and diverse array of individuals within. A 2022 report states that current data collection methods critically generalize and misrepresent the vibrant range of Hispanic identities which can lead to studies and policies that negatively impact the community. 

The nuanced diversity of the Hispanic and Latin American communities is a key factor in the meaningful influence they carry. The dynamic range of cultural practices and beliefs within these communities allow for not only a powerful sense of identity and fellowship, but also the ability to illuminate the surrounding world. Hispanic and Latin American culture continues to diversify and brighten American culture through countless avenues including arts and entertainment, food, science and technology, sports, and holiday celebrations. 

As the fastest growing segment in the United States, the future is Hispanic. The community’s impact on the country through prosperity, power, and progress is inspiring and deserves celebration beyond just this month. National Hispanic Heritage Month highlights the crucial influence that the Hispanic (meaning Spanish-speaking) and Latin American (meaning from Latin America) populations in this country has, driven by their histories, cultures, and determination.  

To help enhance your celebration with content you can use all year long, Green America is pleased to share National Hispanic Heritage Month resources that highlight accomplishments and the justice still needed in society, the economy, and the environment. We do this as a reflection of our vision: “to work for a world where all people have enough, where all communities are healthy and safe, and where the abundance of the Earth is preserved for all the generations to come.”   

Together, let’s celebrate and recommit ourselves to acknowledging the important contributions of those around us and building a just, equitable, and inclusive society. 

Holiday background and social justice 

National Organizations  

President Biden's proclamation on Hispanic serving institutions   

Official Hispanic Heritage Month page 

History Channel: Origins of Hispanic Heritage Month 

This survey shows that the way people may think about Latinx Americans doesn’t account for the mult-dimensional population 

Economy  

Latino Justice  

Video on Latinx Communities and Economic Justice from houselessness nonprofit, Family Promise 

AFL-CIO: Latina Equal Pay: Campaigns for Economic Justice Continue Beyond Single Day of Action 

Environment 

National Parks Service History and Celebrations 

Learn about or join the Latinx Chapter of the Moms Clean Air Force—Eco Madres—video in English and Spanish 

Climate Change and Latinos Fact Sheet—How climate change disproportionately affects Latinos 

Honoring Latinx Resilience by Making Progress on environmental justice 

Latino Climate Justice Framework 

Green Latinos: Resources 

In person events

Join Green Latinos at events in Washington, DC, on September 25-28 

Events in Washington DC  

Virtual events 

Sept 15- Hispanic Heritage Month Opening Ceremony with nonprofit Hispanic Star 

Take a self-guided virtual tour of Casa Azul, Mexican painter Frida Kahlo’s house

Take a virtual tour of the National Museum of the American Latino 

See even more virtual museum exhibits here! 

Books 

Latino/a/x and Hispanic Heritage Month: Products Paving the Way for Fair Trade in Latin America

From the Rio Grande to Tierra del Fuego, Latin America is a region of the world with a multitude of traditions and cultures. Despite any differences in the clothes they wear, traditions they value, or daily life they experience, the majority of the region speaks the same language: Spanish. This is followed by Portuguese and hundreds of Indigenous languages, including Quechua, Mayan languages, and Gurani.

According to the U.S. 2020 Census, about 18.5% of people in the United States are of Latino/a/x, Hispanic, or Spanish origin. As a part of National Hispanic Heritage Month in the United States, take a look at the influence that the Spanish speakers in Latin America have on trade to the U.S. In particular, explore some of the fair trade goods that help workers in the region. 

Fair Trade

Why should we buy fair trade goods? Because they provide disadvantaged farmers and artisans livable wages and sustainable livelihoods. Many businesses sell and produce fair trade items in Latin America, with some items more common than others. If you are looking to buy some goods in the region, Latin America is great for finding fair trade coffee, chocolate, and textiles. 

Coffee

To begin, coffee is a popular product from the region that one can find fair trade. A large majority of the world’s chocolate comes from Spanish-speaking countries in Latin America, for Honduras, Mexico, Colombia, and Guatemala are some of the largest exporters of coffee beans in the world. Much of the coffee is produced in tropical highlands spanning the region, and coffee from the Cordillera, a region that goes from Mexico to Peru, is known for its focus on the quality rather than the volume of coffee beans. 

Velasquez Family Coffee is a Green Business Network {GBN} member with roots in the region. The coffee travels from Comayagua, Honduras and is fair trade. Guillermo and Cathy Velasquez import these beans in order to roast and sell them in Minnesota. The family farms they work with in Honduras have a livable income and help protect the ecosystem of the mountains around the farms.

Maximo French Roast coffee

Maximo's French Roast Coffee (dark) — $10

Chocolate

Chocolate has been in the Americas for a large part of its history. The ancient Mayans and the ancient Olmecs of southern Mexico are some of the oldest creators of chocolate. Back in ancient times, cacao was used as a bitter beverage. The Mayans used it in every meal, along with during celebrations on important transactions. Later on, the Aztecs used cacao as a currency considered more valuable than gold.

La Chiwinha {GBN} sells chocolate products from Alter Eco {GBN}. La Chinwinha is a store from Puerto Rico focused on selling fair trade and eco-friendly goods. Alter Eco works not only on fair trade but on the environment. They are carbon neutral and use recyclable or compostable packaging. The chocolate below comes from cacao farms in Ecuador and is vegan.

Alter Eco Quinoa Crunch chocolate bar

Alter Eco Quinoa Crunch organic dark chocolate bar — $3.99

Textiles

While there are multiple textile traditions throughout the region worth highlighting, the Andes are particularly historic. The Andean region has one of the best-preserved textile traditions in the world. This region in the mountains of South America has produced weaving, dyeing, knotting, and plaiting techniques that are still used today. People in the region often made textiles from cotton and wool from animals such as alpacas and llamas. 

Inspired Peru {GBN} is a great source for rugs, hats, gloves, throw pillows, stuffed animals, and more made in the Andean region. It is 100% owned and operated by Peruvian artists who create handmade, fair trade goods. When you buy here, you buy directly from the artisan!

Peruvian Frazada Rug

Peruvian Frazada Rug — $250

Outside of the Andean region, A Thread of Hope (GBN) is a good source for Guatemalan fair trade apparel. You can find scarves of every color that artisans wove by hand in Guatemala. They work with other fair trade businesses as well, such as UPAVIM {GBN} and Mayan Hands {GBN}. 

Purples, Lilac, Violet - Lightweight Bamboo Handwoven Scarf 8 x 68

Purples, Lilac, Violet - Lightweight Bamboo Handwoven Scarf 8 x 68 — $45

For other fair trade textiles options, check out Maggie’s Organics {GBN}. They sell fair trade socks, clothing, accessories and home goods from Argentina, Peru, Tanzania, and India.    

To find more Latino/a/x or Hispanic owned businesses, take a look at Green America’s Member Profiles

Climate activists are going to the US Senate with concerns about AI’s emissions impact

In a signed letter to Senate majority leader Chuck Schumer, 22 groups including Amazon Employees for Climate Justice, Fight for the Future, Green America, the Union of Concerned Scientists, Friends of the Earth, and Accountable Tech ask the Senate to find ways to ensure that AI’s carbon impact doesn’t undermine the fight against climate change.

Government announces major change to everyday customer checkout practices: ‘The decision [is] undoubtedly a positive step’

San Francisco assemblyman Phil Ting is leading this charge, using statistics from Green America to say at a press conference in May that receipts come at the expense of “3 million trees, 10 billion gallons of water, 302 million pounds of waste on the backside.”

Locust Point Community Garden

“Let’s reinvigorate this garden.” 

Before head gardener Dave Ardnt peered between tall fencing, the Locust Point Community Garden sat in disrepair.  

Started by a former-resident and Under Armour (UA) employee, UA initially granted the land to local employees for use and later opened to Locust Point residents in 2018. When the pandemic hit, the garden became home to overgrown weeds and rotting food. 

Wisconsin raised, Ardnt moved to Locust Point in fall 2020 and longed for a slice of green amongst hard, grey concrete.  

“I’d walk by this plot of land and see vegetables just kind of hanging there and rotting on the vine,” Ardnt said. “That was really kind of disturbing to me because I see all this stuff and hard work that people put in and nobody’s tending it at all.” 

Ardnt and 13 others were granted stewardship and added 10 new plots in 2021, and by 2022 expanded another 20 plots. 

Now, creeping vines, grand leaves, and vibrant flowers interlock through the fence of the Locust Point Community Garden. Between the flowers, fruits, vegetables, and trees, bees from the on-site hive gather pollen; butterflies feed on nectar; and gardeners wipe dirt off their pants. 

Revitalizing the Garden with Sustainable Practices

US city planners love building concrete jungles. More likely than not, the most natural green a city kid ever sees are the weeds poking up from cracked sidewalks. 

Community gardens change that, but they don’t sprout overnight. 

As Baltimore industrialized, little space was set aside for greenery. Wetlands and streams were drained and paved over to make way for industry, and in their place the harbor was built. 

The garden, located at 1134 Hull Street South Baltimore, required hard work to replenish the soil. Using sustainable practices, Ardnt hopes to counteract impenetrable city building. In an email correspondence, Ardnt wrote about the strict guidelines all gardeners and LPCG enjoyers follow. 

“We do encourage using mulch and our compost mix (which we supply) and I never have seen anyone turn over their plot,” Ardnt wrote. “Some people do plant cover crops in the winter, while others plant cold tolerant plants such as garlic, onions, parsley, flowers, and cabbage.” 

Rules and regulations for garden interactions are listed on the LPCG site. The garden has a clear no- tolerance policy for synthetic fertilizers and non-organic pesticides, vaping and smoking, or dumping kitchen waste. 

The World Health Organization writes that pesticides have negative consequences for humans and animals. Using pesticides and synthetic fertilizers to preserve foods has acute and chronic health effects. In small-time operations such as the LPCG, cultivating a healthy garden to build a healthy community means creating and following necessary precautions. 

Growing Neighborhood Recognition

From the beginning, Ardnt sought for the community garden to give the neighborhood what it needs. Beyond setting fruits and vegetables in baskets out front for the taking, he believes community gardens need to be a space for community building from the youngest residents to the oldest. 

“We actually have a big dirt pile in the garden,” Ardnt says. “We’ve got kids, especially in the springtime, when we have get-togethers that are just playing in the dirt pile.” 

Beyond playing in the dirt, the LPCG makes a point to teach biodiversity by hosting Girl Scout events and other public school teach-ins. 

By centering the garden as a focal point in Locust Point, Ardnt believes it’s given people a true sense of community.  

“You’ve got people with community,” Ardnt says. “They want to get together and have parties, get together and know their neighbors, spend time with other people, some people just want to be out in greenspace.” 

Many are still dealing with the ramifications of forced isolation post-COVID. A 2023 study from the National Institute of Health reports that people are feeling lonelier now than before the pandemic. 

Watching the LPCG thrive, Ardnt says that community gardens provide a sense of belonging and purpose that most didn’t know they needed. 

A Tumultuous Future for Locust Point Community Garden

Like many community gardens around the country, Locust Point is facing opposition. As Under Armour plans to move its headquarters from Baltimore to Port Covington, MD, it’s selling much of its Baltimore land to developers — including the LPCG. 

The news came as a surprise to Locust Point residents. Ardnt says although UA appeared willing to help relocate the garden, communication quickly disintegrated. 

“It’s really a lot of frustration and anger and disappointment,” Ardnt says. 

Calls and petitions have been placed, asking UA to consider donating the land to the neighborhood or city trusts like Baltimore Green Space.  

Ardnt argues that to a large corporation such as UA, keeping the lot or donating it would have little impact on its long-term revenue.  

Apart from being a social epicenter, LPCG is critical to the local ecosystem, making its permanence even more important to Ardnt. 

“We’re surrounded by impermeable surfaces, and we’ve got bigger rain events, so we’re actually getting some flooding in our area,” Ardnt says. “The garden plays a vital role in stormwater retention and getting rid of the big flooding that could happen.” 

While its future remains uncertain, its importance is clear. The Locust Point Community Garden plays a central role in the social and natural ecosystem of Baltimore harbor. Until Ardnt receives a notice of closure, the LPCG plans to remain a safe haven for the neighborhood. 

Read Green America's Op-Ed Supporting Locust Point Community Garden.

Stop Funding the Climate Crisis: 4 Ways You Can Decarbonize Your Finances.

“We wouldn't have things like the Willow Project or Line Three” — an oil drilling project in Alaska and a pipeline from Canada to Wisconsin, respectively — “if we didn't have these big banks underwriting them by lending them all this money,” said Cathy Becker, responsible finance campaign director for Green America, a nonprofit.

You’re probably funding Big Oil without even knowing it. Here’s how to stop

There are relatively simple ways you can move your finances away from fossil fuels. Nexus Media News spoke with several advocates and financial experts about how to decarbonize your money. 

How To: Home, Housewares, & Furniture

The Green Business Network® at Green America is home to both rising social and eco enterprises and to well-established green businesses, including housewares and furniture companies. We provide the resources to help business and entrepreneurs with strong social and environmental commitments thrive in today’s competitive green marketplace.

A key benefit of membership is our certification program. This guide provides an overview for achieving our certification for businesses in the Home, Housewares, & Furniture sector. If your business meets the criteria in this guide, we encourage to join the Green Business Network and apply for certification. If awarded, we will promote your business to the public and to Green America’s 250,000+ green consumers looking for businesses like yours!

How To Get Started as a Green Business in the Home, Housewares, & Furniture Sector

Home, housewares & furniture can be highly polluting industries because of materials sourced, chemicals used, and the packaging produced. Chemicals used for paint and furniture finishes can be harmful to the environment and employees who produce the products. Follow the guidelines below to get started on being a green business in this sector. At the Green Business Network, “green” always means social justice and environmental sustainability.

Download Guide

Ready to get started? Fill out the form below, and we'll email you our How To Guide for Home, Housewares, & Furniture. You'll also receive occasional updates from Green America's Green Business Network. You can update your subscription preferences or unsubscribe anytime.

How To: Food Products

The Green Business Network® at Green America is home to both rising social and eco enterprises and to well-established green businesses, including food products. We provide the resources to help business and entrepreneurs with strong social and environmental commitments thrive in today’s competitive green marketplace.

A key benefit of membership is our certification program. This guide provides an overview for achieving our certification for businesses in the Food Products sector. If your business meets the criteria in this guide, we encourage to join the Green Business Network and apply for certification. If awarded, we will promote your business to the public and to Green America’s 250,000+ green consumers looking for businesses like yours!

How To Get Started as a Green Business in the Food Products Sector

The food products industry is an important sector that impacts the day-to-day life of consumers and workers, as well as the environment. The food products industry, with its wide array of goods, can have significant environmental impacts from carbon emissions and packaging waste to negative impacts on worker health and wellbeing. Follow the guidelines below to get started on being a green business in this sector. At the Green Business Network, “green” always means social justice and environmental sustainability.

Download Guide

Ready to get started? Fill out the form below, and we'll email you our How To Guide for Food Products. You'll also receive occasional updates from Green America's Green Business Network. You can update your subscription preferences or unsubscribe anytime.

How To: Financial Advisors & Planners

The Green Business Network® at Green America is home to both rising social and eco enterprises and to well-established green businesses, including financial advisors and planners. We provide the resources to help business and entrepreneurs with strong social and environmental commitments thrive in today’s competitive green marketplace.

A key benefit of membership is our certification program. This guide provides an overview for achieving our certification for businesses in the Financial Advisors & Planners sector. If your business meets the criteria in this guide, we encourage to join the Green Business Network and apply for certification. If awarded, we will promote your business to the public and to Green America’s 250,000+ green consumers looking for businesses like yours! 

How To Get Started as a Green Business in the Financial Advisors & Planners Sector

The financial services sector is a highly influential industry that can play a leadership role in advancing positive economic, social, and environmental outcomes. Financial advisors and planners dedicated to socially responsible investing (SRI), also known as ESG (environmental, social, and corporate governance investing), work with their clients to help them achieve their financial goals and to align their investments with their values. This includes portfolio screening, community development investing, and shareholder action. Follow the guidelines below to get started on being a green business in this sector. At the Green Business Network, “green” always means social justice and environmental sustainability.

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Into the Weeds Giveaway

Into the Weeds Ticket Giveaway 2023 

Official Rules

NO PURCHASE OR PAYMENT OF ANY KIND NECESSARY TO ENTER OR WIN.  A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. THIS SWEEPSTAKES IS INTENDED FOR PLAY IN THE UNITED STATES ONLY AND WILL BE GOVERNED BY U.S. LAW.  DO NOT ENTER IF YOU ARE NOT ELIGIBLE (AS DESCRIBED BELOW) AND LOCATED IN ONE OF THESE COUNTRIES AT THE TIME OF ENTRY.   

1.  Eligibility: Into the Weeds Ticket Giveaway 2023 (the “Sweepstakes”) is only open to: legal residents of the fifty (50) United States and the District of Columbia, who are at least eighteen (18) years of age or older at the time of entry.  Employees, contractors, directors, officers, and agents of Green America (“Sponsor”), and its affiliates, subsidiaries, and related entities and members of the immediate family (spouse, parent, child, sibling and their respective spouses, regardless of where the reside) and household of each such employee (whether or not related) are not eligible to enter or win.  

This Sweepstakes is subject to all applicable federal, state, and local laws and regulations and is void where prohibited.  Participation constitutes entrant’s full and unconditional agreement to these Official Rules and Sponsor’s decisions, which are final and binding in all matters related to the Sweepstakes.  Winning a prize is contingent upon fulfilling all requirements set forth herein.

2. Sponsor: Green America, 1612 K Street NW, Suite 1000, Washington DC 20006

3.  Sweepstakes Entry Period:  The Sweepstakes begins on September 8, 2023 at 10:00am EST and ends on September 18, 2023 EST at 11:59pm (the “Sweepstakes Entry Period”). All entries must be received before the Sweepstakes Entry Period end time/date to be valid.  

4. How to Enter:  During the Sweepstakes Entry Period, enter the Sweepstakes by: 

(i) Follow Green America's Instagram account @GreenAmerica_ and Into The Weeds Instagram account @intotheweedsdoc. Or Follow Green America's Facebook account @GreenAmerica and Into the Weeds Facebook account @intotheweedsdoc.

(ii) Create a comment on Green America’s Post about the giveaway tagging a friend or family member.

(iii) Share Green America's Post about the giveaway on your Instagram or Facebook feed.

All entry steps must be completed during the Sweepstakes Entry Period to be valid. Entrant must perform ALL entry steps including without limitation and comply with any applicable restrictions or requirements set forth herein to be valid. Entrants must agree to these Official Rules to receive an entry into the Sweepstakes. Limit: One (1) entry per person into the Sweepstakes during the Sweepstakes Entry Period. You must have a personal relationship with any person that you tag in the Sweepstakes Post.

You must have an Instagram or Facebook account to enter this Sweepstakes. If you do not have an Instagram or Facebook account, you can create one for free by visiting Instagram.com or Facebook.com.  By creating an account, you agree to such social media platform’s terms and conditions and guidelines. Your Instagram or Facebook account must be set to public in order for Sponsor to connect with potential winners; if your account is not public, you will not receive entry into the Sweepstakes.

Individuals who do not follow all of the instructions, provide the required information, and/or abide by these Official Rules or other instructions of Sponsor may be disqualified. Other entry methods than those outlined above are void and will not receive entry.

Automated entries are prohibited and any such use will cause disqualification.  Entrants may not enter with multiple email addresses/Instagram or Facebook accounts nor may entrants use any other device or artifice to enter multiple times or as multiple entrants.  If it is discovered that you have entered or attempted to enter the Sweepstakes multiple times using multiple identities, Instagram accounts, Facebook accounts, or email addresses, or that you submitted or attempted to submit more than the entry limit provided, all of your entries will be declared null and void, and any prize you might have been entitled to will not be awarded.  Presence of an garden on the Sponsor’s website is not a confirmation, representation, or warranty by the Sponsor or any of its representatives that the entry is compliant with these Official Rules.  Sponsor’s decisions with respect to whether an entry complies with these Official Rules are final and binding and may be made by Sponsor at any time.  

5. Grand Prize Drawing:  On September 19, 2023, Sponsor will randomly select five (5) winners from among all eligible entries received during the Sweepstakes Entry Period.  Odds of winning a prize depend on the number of eligible entries received. 

Potential prize winner must have a public Instagram/Facebook profile and will be notified on September 19, 2023 via a direct message at the Instagram account or Facebook account used to enter the Sweepstakes.  Potential winner must respond to such message within 3 business days of it being sent and must provide a valid email address. Sponsor will then email the potential winner with prize instructions, which potential winner must respond to in three business days, giving their first and last name and the AMC, Cinemark, or Regal theater they want to redeem their tickets at. Potential winners must meet all eligibility requirements, including timely replying to the notification and response email and execution and return of all releases and documents (if any) required by Sponsor, within the timeline allotted. Winning a prize is contingent upon fulfilling all requirements set forth in these Official Rules. Limit one prize per person/Instagram/Facebook account. 

Potential winners will be disqualified, the prize will be forfeited and an alternate potential winner may be selected if (all as determined by Sponsor in its sole discretion): (i) any prize notification is returned as undeliverable; (ii) a potential winner declines his or her prize or any portion thereof; (iii) a potential winner is found not to be eligible or fails to comply with any of the Official Rules; (iv) a potential winner does not respond to direct message notification or the email within the timeframe provided; and/or (v) a winner cannot be verified or is otherwise unable or unwilling to accept and claim the prize as stated.  Sponsor is not responsible for any change or issue with any email address, mailing address, Instagram or Facebook account, and/or telephone number of entrants.  The decisions of Sponsor in all matters regarding this Sponsor are final and binding.

Winner may be required to complete, sign and return an Affidavit of Eligibility/Liability Release, and, where lawful, a Publicity Release, within the timeframe set forth in the document or prize may be forfeited.  Prizes won by an eligible entrant who is a minor in his/her state or province of residence will be awarded to minor’s parent or  legal guardian, who must sign and return all required documents.  

6. Prize (1): Five (5) winners will receive two (2) tickets to see the film Into the Weeds at AMC, Cinemark, and Regal theaters. Prize is non-transferable and no cash equivalent or substitution of prize is offered, except at the sole discretion of the Sponsor.  If prize, or any portion thereof, cannot be awarded for any reason, Sponsor reserves the right to substitute prize with another prize of equal or greater value.  Prize winner will be solely responsible for all federal, state, provincial and/or local taxes, and for any other fees or costs associated with the prizes they receive, regardless of whether it, in whole or in part, is used. Tickets are available to redeem at AMC, Cinemark, and Regal theaters.

7. Release: As a condition of entering, entrants (or their parent or legal guardian if an eligible minor) agree (and agree to confirm in writing): (a) to release Sponsor, its affiliates, subsidiaries, retailers, and agents, and each of their officers, directors, employees and agents, Meta, and Instagram LLC (“Promotion Parties”), from any and all liability, loss or damage incurred with respect to the awarding, receipt, possession, and/or use or misuse of any prize; (b) under no circumstances will any entrant be permitted to obtain awards for, and entrant hereby knowingly and expressly waives all rights to claim, punitive, incidental, consequential, or any other damages, other than for actual out-of-pocket expenses and/or any rights to have damages multiplied or otherwise increased; (c) all causes of action arising out of or connected with this Sweepstakes, or any prize awarded, shall be resolved individually, without resort to any form of class action; and (d) any and all claims, judgments, and awards shall be limited to actual out-of-pocket costs incurred (if any), excluding attorneys’ fees and court costs.  

8. Publicity: Except where prohibited by law, winner grants (and agrees to confirm this grant in writing, if requested) permission for Sponsor and those acting under its authority to use his/her name, photograph, and/or likeness, for advertising and/or publicity purposes in any and all media now known or hereinafter invented without territorial or time limitations and without compensation.

9. General Conditions: Sponsor is not responsible for lost, late, misdirected, undelivered, incorrect, or inaccurate entry information whether caused by Internet users or by any of the equipment or programming associated with or utilized in the Sweepstakes or by any technical or human error which may occur in the processing of the entries.  Sponsor reserves the right to cancel, suspend and/or modify the Sweepstakes, or any part of it, if any fraud, bugs, virus, technical failures, or any other factor beyond Sponsor’s reasonable control impairs the integrity or proper functioning of the Sweepstakes, as determined by Sponsor in its sole discretion.  In the event of cancellation, Sponsor will randomly award the prizes from among all eligible, non-suspect entries received prior to cancellation.  Sponsor is not responsible for computer system, phone line, hardware, software or program malfunctions, or other errors, failures or delays in computer transmissions, the website, or network connections that are human or technical in nature.  Sponsor reserves the right, in its sole discretion, to disqualify any individual it finds to be tampering with the entry process, the website, or the operation of the Sweepstakes or to be acting in violation of the Official Rules of this or any other promotion or in an unsportsmanlike or disruptive manner. Any attempt by any person to deliberately undermine the legitimate operation of the Sweepstakes may be a violation of criminal and civil law, and, should such an attempt be made, Sponsor reserves the right to seek damages from any such person to the fullest extent permitted by law.  Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision.

10. Governing Law & Jurisdiction:  Except where prohibited by law, entrants agree that: (i) any and all disputes, claims and causes of action arising out of or connected with the Sweepstakes or any prize awarded will be resolved individually, without resort to any form of class action and exclusively by the appropriate court located in Washington, District of Columbia; (ii) any and all claims, judgments, and awards to entrants will be limited to actual out of pocket costs incurred, including costs associated with participating in this Sweepstakes, but in no event attorneys’ fees; and (iii) under no circumstances will entrant be permitted to obtain awards for, and entrant hereby waives all rights to claim, punitive, incidental and consequential damages, and any other damages other than for actual out of pocket expense and any and all rights to have damages multiplies or otherwise increased. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules or entrants’ and/or Promotion Parties’ rights and obligations in connection with the Sweepstakes are governed by and construed in accordance with the laws of the State of Washington, District of Columbia, without giving effect to any choice of law or conflict of law rules.

B. In the event of any conflict with any Sweepstakes details contained in these Official Rules and Sweepstakes details contained in Sweepstakes materials (including, but not limited to social media advertising and other promotion media), the details of the Sweepstakes as set forth in these Official Rules shall prevail.

12. Entrant's Personal Information:  Please see the privacy policy located at https://www.greenamerica.org/privacy-and-policy for details of Sponsor's policy regarding the use of personal information collected in connection with this Sweepstakes. If you are selected as a winner, your information may also be included in a publicly-available winner’s list.

13. Winner’s List: For a list of winners, please send a self-addressed stamped envelope to: 1612 K Street NW, Suite 1000, Washington, DC 20006.  Please specify “Into the Weeds Winners List.”  Requests must be received by October 8, 2023.

This Sweepstakes is no way endorsed or sponsored by Instagram or Facebook (or by Meta Platforms, Inc.).  All questions should be directed to the Sponsor and not to Instagram or Meta.

Adamah Farm & Fellowship

Adamah Farm is a regenerative homestead located at the Isabella Freedman Jewish Retreat Center in Falls Village, CT. It consists of 20 acres of farm fields, orchards, and pasture. Per Adamah:

"Adamah (ah-dah-mah) is the Hebrew word for earth, and adam (ah-dahm) is contained within it, which means person. So adam and adamah are inextricably linked, virtually one and the same. Earth and earthling; soul and soil. 

At Adamah, we believe in the deep connection between people and planet, adam and adamah. Every day, we inspire and empower people to feel that connection, activate Jewish identity, build inclusive community, and work towards a more sustainable future. We are the link between our ancestors and our descendants, and we feel called to respond to today’s crises with the full power of the Jewish spirit."

Adamah Farm is a living, dynamic Jewish community. But it’s truly for everyone. It takes a holistic approach to both its farming operations and its way of creating community. In addition to offering a CSA (Community Supported Agriculture), they offer a 3-month educational fellowship where participants learn about the connection between Judaism and agriculture.

They demonstrate a commitment to social justice by offering their CSA on a sliding scale and allow people to purchase a share in installments, to ensure everyone has access to healthy foods.

Adamah’s vegetables and value-added products (e.g. sauerkraut, maple syrup, etc.) are certified organic, in compliance with USDA standards for organic foods, proving that they use zero manufactured chemicals or fertilizers. They go beyond the requirements of certification with regenerative practices that include:

  • low- and no-till bed preparation
  • crop rotation
  • cover-cropping
  • on-site composting
  • drip irrigation
  • maintaining habitat for pollinators
  • rotational grazing, and
  • growing a diverse mix of perennials and annuals.

Connecting with their Jewish Heritage

They know that their Jewish ancestors thought about the world in many of the ways we do now.  For example, how do we feed the world without draining the planet of its resources? They also observe Schmita, the practice of letting the land rest and repopulate once every seven years, however, not in the traditional way. It isn’t practical if the rest of the world doesn’t observe it as well. Instead, at any one time, 1/7 of their land is at rest.

Each day, over 100 pounds of food scraps are composted from the retreat center dining hall. The compost is sufficient for the whole farm and it feeds their 50 laying hens. This is one of the ways they engage visitors in their farming practices, in addition to education and using the produce grown on the farm to cook nutritious meals in the dining hall.

Food Sovereignty

Food access is important to those at Adamah Farm. They want to make good, nutritious food available to everyone, even to those with lower incomes. To do so, they created a Food Access Fund, which anyone can donate to, where they donate the amount of food covered by the funds raised to local food pantries; and the kitchen at the retreat center utilizes produce grown on the farm.

Social justice is core to their work, though they are not particularly concerned with labels. Their approach to social justice is through a framework of living in a Jewish community and food sovereignty—a food system in which the people who produce, distribute, and consume food also control the mechanisms and policies of food production and distribution. Growing in sustainable, responsible ways is important to them. And they believe there is a long way to go before all humans are treated equally, and that it’s the work of all of us to make that happen. Farming is an important part of that work.

To learn more about Adamah, visit their website.

Explore more Soil Superheroes here.

Program Coordinator, Soil & Climate Alliance (SCA)

Salary:  $60,000 - $63,000 
Benefits: Excellent benefits including health care, dental care, paid leave, socially responsible retirement plan, friendly work environment, 4-day work week (32 hours/week)
Reports to:  Soil & Climate Alliance Director, Jessica Hulse Dillon

Green America is a non-profit organization dedicated to creating a just and sustainable society by harnessing economic power for positive change. Our unique approach involves working with consumers, investors and businesses to create a world that works for all. We deploy marketplace solutions to solve the most pressing social justice and environmental problems facing society today.

Green America’s Center for Sustainability Solutions focuses on bringing together focused multi-stakeholder innovation networks with the objective of making significant, industry-wide system change.

Our Soil & Climate Alliance (SCA) is the Center’s innovation network focusing on regenerative agriculture.  SCA’s mission is to advance a resilient, equitable, and inclusive agriculture system that regenerates soil health, sequesters carbon, and revitalizes farm and rural economics, while improving water quality, biodiversity, food security, and nutrition.

We are seeking a dynamic program coordinator, with excellent project and stakeholder engagement skills to support SCA and all of the SCA working groups, including Nutrient Density, Policy & Advocacy, Supply Chain Development Groups, and Justice, Equity Diversity & Inclusion (JEDI).  Our Supply Chain Development Groups include Kansas Regenerative Wheat and Regenerative Transition for Plant Based Products.  

SCA team members can choose to work remotely or in our Washington, DC office. This position will involve occasional travel including to Network meetings, conferences and business cultivation meetings, staff training, Green America’s annual staff and board retreat and other stakeholder engagement meetings.  Most travel will be domestic, but there may be one or two international trips each year. 

DUTIES & RESPONSIBILITIES INCLUDE:

Communications & Research

  • Support and engage in the development of key project deliverables, including preparing meeting materials and notes, compiling summary reports, and other outputs. Ensure that these deliverables are planned and produced in a timely manner with a high level of attention to detail.
  • Keep members informed of upcoming member meetings and events via email, outlook calendar, Eventbrite, SharePoint, survey software, and event websites. Respond to member inquiries in a professional and timely manner.
  • Support the full SCA team in the development and maintenance of social media accounts to share relevant information as needed.
  • Quick turnaround on research projects focusing on urgent and emerging needs ranging from identifying specific experts and speakers for consideration by the team to specific current and historical data needed for decision making and advocacy as well as other developing needs.

Meeting Planning & Logistics

  • Support logistics related to planning network meetings, roundtables, webinars and other related events for up to 150 participants held virtually, including: setting up registration systems and monitoring registration, communicating with meeting participants, and coordinating technology needs among participants.
  • Support logistics related to planning in-person network meetings including securing meeting venues, hotels, meals, and staff transportation; communicating with event participants; procuring A/V and meeting materials; and ensuring many other aspects of event production are implemented flawlessly so meetings flow seamlessly for participants. Support full team in the execution of hybrid meetings.
  • Support and engage in the development of meeting materials and event website including daily updates as the meeting progresses.
  • Support the Directors and Program Manager in research and outreach for potential speakers and panelists. Assist with session development for virtual and in person meetings.
  • Support team travel and logistics to other conferences and promotional events including but not limited to Natural Products Expo West and East.
  • Manage and update the meeting budgets; keep Director apprised of budget status throughout the planning process.
  • Manage invoicing process for generating and secure participation fees including: regular invoicing of participants, working with accounting department to create and send customized invoices, track payments, communicate with participants to secure commitments and maintain and update participant records. Coordinate with subsidized participants to process reimbursements.
  • Coordinate regular communication among team members including scheduling regular meetings and supporting seamless technology connections as needed.
  • Ensure that knowledge gained is converted into “knowledge capital” for the Center for Sustainability Solutions by documenting work processes involved in managing Innovation Networks and successful strategies.
  • Provide operational support to the Center for Sustainability Solutions, as needed. Assist where needed in hosting working group sessions that involve industry stakeholders across the spectrum of Regenerative Agriculture, from policy to regulatory to consumer spaces.

Cross-Departmental Teams

  • Participate in Green America staff meetings and processes and other duties as required.
  • Participate in Green America Cross Departmental Teams: The success of our organizational work includes the voluntary participation of staff members from all levels of the organization in cross departmental teams addressing a range of issues to strengthen our impact and planning, as time and other work commitments allow.

QUALIFICATIONS:

  • Demonstrated project management skills, with experience managing several projects simultaneously.
  • A passion for and strong knowledge of environmental sustainability and/or agriculture.
  • Written communication and research experience; able to take notes during calls including technical content.
  • Strong verbal communication skills.
  • Strong technology skills, including videoconferencing via zoom, Square Space, newsletter email software, outlook, etc.
  • Background researching event related needs, including venues, restaurants and catering, and AV needs.
  • Experience with creating and tracking event budgets a plus.
  • Bachelor’s degree required.

Please note, we recognize that experience doesn't always look the same – skills are transferable, and passion is important. Please tell us how your experience can lead to success in this position.  

How to Apply

To Apply: Please email your resume and cover letter to mbouffard-briglia@greenamerica.org by September 13, 2023.

**********************************************************************************

Green America is an equal opportunity employer. All qualified applicants will receive consideration for employment without discrimination regarding: actual or perceived race, color, religion, national origin, sex (including pregnancy, childbirth, related medical conditions, breastfeeding, or reproductive health disorders), age (18 years of age or older), marital status (including domestic partnership and parenthood), personal appearance, sexual orientation, gender identity or expression, family responsibilities, genetic information, disability, matriculation, political affiliation, citizenship status, credit information or any other characteristic protected by federal, state or local laws. Harassment on the basis of a protected characteristic is included as a form of discrimination and is strictly prohibited.

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Check out more gardening resources here.

Going Beyond Sustainability

He’s called the “Transformpreneur℠” and he’s here to make your business and endeavors thrive. With Going Beyond Sustainability, having a business or project be both profitable and good for the planet—in ways you’ve never considered—is the goal. 

Shel Horowitz, the “Transformpreneur℠” himself, grew up an activist, not a businessman. Yet, with no relevant experience and almost no capital, he started his own business at age 24. 

His mom volunteered for the Urban League, an advocacy group working for Black Americans and other underserved urban residents to secure economic self-reliance, parity, power and civil rights. The political landscape was a familiar one to Horowitz. He went to his first political rally in 1969, for peace in Vietnam, when he was just shy of 13 and listened to activists speak, altering the course of his life. 

“My first awareness of the power of consumers to affect business was the United Farm Workers grape boycott in the late 1960s, early ‘70s.” 

Horowitz’s professional life settled in marketing, but he remained an activist over the years, until, after founding a successful movement to protect a local mountain that used all his marketing skills as well as his activist background, the idea came to him to combine the two. 

He realized the potential impact businesses could have on progress and change in the world, from the climate crisis to poverty and beyond. 

“This is good for business. Business does well when it builds on ethical support systems,” Horowitz explains. 

Shel Horowitz. Going Beyond Sustainability.
Shel Horowitz. Photo Credit: Andrew Morris-Friedman

Going Beyond Sustainability is a one-stop shop, offering services beyond marketing and consulting, from speaking engagements to trainings on topics like employee engagement in social change and business organization. 

One of the core tenets of his business as a marketing consultant is that best practices change—just because businesses have operated one way regarding sustainability and ethics doesn’t mean it’s the best way to operate. 

A technique he practices with clients adheres to this way of thinking: guerrilla marketing. 

The author Jay Conrad Levinson coined the team in 1984 with his book Guerrilla Marketing. This approach to marketing borrows from its namesake of “guerrilla” warfare to communicate with audiences through the element of surprise.  

A famed example of guerrilla marketing was 1967 when activist Abbie Hoffman led a group into the New York Stock Exchange and threw dollar bills from the visitors’ gallery onto the floor, interrupting trading and garnering numerous headlines.

Horowitz practices guerrilla marketing in his consulting and even co-wrote two books with Levinson, Guerrilla Marketing to Heal the World and its predecessor, Guerrilla Marketing Goes Green

“Heal-the-world guerrilla marketing sharpens the focus to look at how a business can profit as it actually improves our physical and social environment—and how to tell your green/social equity story so effectively that the world begins to seek you out,” Horowitz writes on his website. 

That’s the goal, a cyclical process benefitting both businesses and consumers. And the stats don’t lie—a 2023 survey showed up to two-thirds of consumers will pay more for sustainability. By giving consumers what they want, i.e., products and services that benefit the planet, businesses engender loyalty and profitability. 

Horowitz knows this work can be hard, frustrating, and oftentimes demoralizing—something as great as bettering the world will always have setbacks, but the important thing is that we try.  

Sometimes the needle will only move a fraction, but if it doesn’t move at all, or moves backwards, progress will always remain out of reach. And by showing business how building environmental and social justice into core products, services, and company mindsets can be profitable, Horowitz has created a platform to influence the business community to move the needle faster and farther. 

Horowitz has several freebies available to Green America readers. And for Green America members, instead of the 15-minute freebie consultation on how your particular business can combine profitability with environmental and social good, Horowitz will offer a full half-hour at no charge. 

A Single Tree Is Helping This Small Business Benefit Its Community

Eric Henry points out the window of the TS Designs office in North Carolina. He’s pointing to a black walnut tree, native to North America, and the key to how his small business benefits the community and local economy. 

One tree, abundant across the Northeast, Midwest, and South, is revolutionizing the work of TS Designs, a screen-printing company offering unique and sustainable t-shirt designs. Not only that, but its usage also has a ripple effect across the community of Burlington, North Carolina. 

Henry is quick to note, however, this new chapter for TS Designs is not a boon to the surrounding community, but because of the community. 

“Courtney [Lockemer] came onto the team during the COVID-19 lockdown as a brand manager, and we were excited she had experience with local dyes,” he explains. 

About 20 years ago, Henry started planting trees on the four and a half acres of land TS Designs sits on, including the black walnut tree. 

“Pounds of walnuts fall to the ground that just go to waste, and Courtney suggested we start dyeing shirts with them.” 

A decade ago, TS Designs happened to take over the last garment dye facility in the South and it’s become a great asset for the business, especially with the new black walnut endeavor. The perks of such a facility and resource go far beyond TS Designs, though, and Henry hopes other small businesses and people can be inspired to see what they can do in their own communities. 

T-Shirts and Ice Cream: The Small Business Benefitting Community 

When they first started using the walnuts, part of it still went to waste. Henry aimed to use the whole nut, however, and take this free, natural resource and turn it into a multi-use and circular benefit for the community. 

“Our vision now is to give back to the community,” Henry says. “People can bring us their walnuts, we’ll pay for them, and then work to extract the natural dye in a safe way so the rest of the nut can still be used to make ice cream or other food products.”  

The black walnut has also inspired TS Designs to find other natural resources they can use. 

Next up, the company is working on extracting dye from purple sweet potatoes, with the leftovers of the yam used as a flour substitute and thereby still maintaining a food product. 

A man of color poses against a grey wall in a dark grey t-shirt made by TS Designs. The shirt reads in green font: "Cotton of the Carolinas. Dirt to Shirt." Small business benefits community.
A TS Designs shirt.

It doesn’t end with the walnut or yam, however. The focus on community for Henry extends to everyone involved in the process. 

“About 17 years ago, we started working with a cotton farmer about 60 miles away,” he says. “One thing about the intersection of agriculture and apparel is the supply chain and we want to reconnect to that.” 

Part of the work is to make sure the footprint of the supply chain is as minimal as possible and that everyone involved gets credit, fair pay, and a seat at the table. 

“We now have a QR code with all our shirts that explains the entire supply chain that created that shirt,” Henry explains. “Everybody has a voice—from the farmer to the customer, so our community can come today and make sure everyone is representative of where they are and what they’re doing.” 

Branching Out to Breweries and Hiring Opportunities 

Over the years, Henry has been influenced by and learned from his community, leading him to grow as a person and entrepreneur. 

“There’s no question that our success and happiness is derived from the connection and community around me,” he says. “I’ve learned a lot of things I’ve had in life are by luck or privilege, and a lot of people aren’t given those opportunities. I realize every day it takes a community; it takes a lot of people and a lot of perspectives.”

Henry has started to work with Phil Bowers, the executive director of Sustainable Alamance, an organization dedicated to building a stronger community through things like hiring opportunities, alternatives to incarceration, and advocating for anti-discrimination practices. 

TS Designs has practiced open hiring and hired people coming out of prison through Sustainable Alamance, and it’s been an eye-opening experience. 

 

Eric Henry, a white man, stands in a mustard yellow beanie, sunglasses, a brown t-shirt with a navy jacket, jeans, and light brown keds. Small business benefits community.
Eric Henry in a black walnut tee.

“I’ve really enjoyed how it connects me with a community I previously had little relationship with,” he discloses. “I learned that if someone has a criminal record, you don’t accept their job application. I thought that’s what you did, but I realized if you don’t give them the opportunity, the cycle continues.” 

As society evolves and changes, so too do people, and Henry finds it enriching to be so connected to his community in new and bold ways. 

He helped start the first cooperative brewery in North Carolina, Burlington Beer Works

“We have over 3,000 owners,” he explains of the brewery. “We want to create these businesses that will be here long after us, that the community can invest in and maintain.” 

So long as black walnut trees stick around and Henry continues to chase innovation and community empowerment, Burlington, North Carolina will thrive. What, then, can other businesses and leaders around the world do for their own communities?  

What is the Green Business Network?

Note: This blog is a crossposted blog from Green Business member Beneficial State Bank.

Founded with impact in mind

In 2007, Beneficial State Bank co-founders Kat Taylor and Tom Steyer set out to design a new kind of community bank. Rather than serving the single bottom line of profit, as do most traditional businesses, we equally prioritize the three goals of:

  • Serving our communities (people),
  • Supporting positive environmental outcomes (planet), and
  • Achieving long-term financial sustainability (prosperity).

Today, we practice Beneficial Banking™, in harmony with nature, to help more people and help people more.

Partnerships that deepen our impact

We believe that collective efforts are required to make the planet healthy and livable for the next generation. We are proud to be part of the Green Business Network, the first, largest, and most diverse network of socially and environmentally responsible businesses in the country. The Green Business Network is a program of our client Green America®, the nation's leading nonprofit organization working to build a green and just economy. The Green Business Network Member Directory showcases hundreds of businesses that have a shared goal of positive environmental impact.

Green Business Network members can apply for certification in more than 40 industries (included with membership). Only certified members are listed in the Green Pages, a place for consumers to look for products and services. By leveraging third-party certifications and benchmarking models, we ensure our positive impact is significant, meaningful, and measurable. We report our impact annually to demonstrate that we walk our talk and ensure we meet the highest banking and business standards.

Banking that nurtures the planet

Beneficial State Bank is one of the leaders of a growing movement toward more ethical and inclusive banking. We are committed to running our business in a sustainable way, but we don’t maximize profits at the expense of our customers, our communities, or the planet.

We are proud to be part of the Green Business Network and encourage other businesses and financial institutions to join us.

We need a new economy built for all of us. We vote every day with our choices, our voices, and our wallets. By casting our collective votes for better banking, we are making our vision a reality. When you bank with Beneficial State Bank, your deposits support a lending practice that serves our communities and the planet.

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How To: Zero Waste for Your Business

The Green Business Network® at Green America is home to both rising social and eco enterprises and to well-established green businesses. We provide the resources to help business and entrepreneurs with strong social and environmental commitments thrive in today’s competitive green marketplace.

A key benefit of membership is our certification program. This guide provides an overview for achieving zero waste for your business (learn more about our Green Office or Facility standards). We encourage to join the Green Business Network and apply for certification. If awarded, we will promote your business to the public and to Green America’s 250,000+ green consumers looking for businesses like yours!

How To Achieve Zero Waste for Your Business

Creating a zero-waste business is an exciting opportunity and journey to deepen your green business practices. The goal of zero-waste is to increasingly conserve and recover existing materials and drastically reduce the amount of material being sent to landfills. Your business may reach zero-waste – or get closer every year!

Download Guide

Ready to get started? Fill out the form below, and we'll email you our How To Guide for achieving zero waste for your business. You'll also receive occasional updates from Green America's Green Business Network. You can update your subscription preferences or unsubscribe anytime.

How Much Does a POS System Cost? (Price Guide)

A survey from Green America found that 89% of US consumers want retailers to offer both print receipts and digital receipts sent via email. With that in mind, you might want to purchase a receipt printer and printing paper. This way, you can give shoppers the proof of purchase they prefer. 

Veteran shows ‘ludicrous’ papers received after picking up prescription from VA office: ‘What was the point in all this?’

Creating receipts also generates more than 4 billion pounds of carbon dioxide pollution, which greatly contributes to the overheating of our planet, reported the L.A. Times, citing a study by advocacy group Green America.

Invest in an Energy-Efficient Home

As one hemisphere prepares for the chill of winter and the other swaps coats for bathing suits, it’s time to look at how you use energy in your home.

How we use energy at home is a major factor in the fight against climate change. The residential sector accounts for roughly a fifth of the total energy usage in the US, with more than half of that used for heating and cooling, and using traditional systems, greenhouse gases are a significant problem.

It may seem like your single home won’t have a big impact, but the more people commit to energy efficiency, the more power we have to combat the rapid warming of our planet.

You’ve Heard of Solar…

Once, the idea of solar-powered energy systems seemed cutting edge, but it has become more common and affordable in addition to reliable and efficient.

According to the US Department of Energy, “The amount of sunlight that strikes the earth’s surface in an hour and a half is enough to handle the entire world’s energy consumption for a full year.”

The energy from solar can generate electricity, be stored in batteries, and/or heats a home’s hot water, all while reducing carbon in our atmosphere and, in the long run, saving you money.

You might be surprised to learn when the first solar panels in the United States appeared—1884, on a New York City rooftop. More than a century later, it’s easier than ever to get solar installed.

According to the Center for Sustainable Energy, residential solar panel systems run from $15,000 to $25,000. Those are big numbers, but there are multiple ways to invest in and benefit from solar at more affordable prices.

Whether you live in a home you own, rent an apartment, or somewhere in between, you can benefit from solar and this guide will help you do that.

Now, Try Heat Pumps

Solar and wind aren’t the only games in town providing sustainable energy.

Heat pumps are a great option on the market and are increasingly popular.

Even better, they can work with your electricity-generating solar panels to make your home the über-sustainable residence.

Using sustainably sourced electricity, heat pumps transfer heat collected from air, ground, or water outside the home to both warm and cool your home. The key here is that heat pumps don’t generate energy, they simply move already existing energy from one space to another. Heat pumps work best in warmer climates where winters are mild; for cold climates, you’ll want a dual heat pump, which relies on gas furnaces on particularly cold days.

There are several types of heat pumps, depending on which element you draw from, how much you’re willing to spend, and the size of your property. You can contact your local home improvement or heating/air companies or hire a local contractor. When researching contractors, look for accreditations like North American Technician Excellence or HVAC Excellence.

Air-to-air heat pumps are smaller and more affordable options, typically ranging from $3,500 to $7,500. It’s also an easier option if you already have ducts in your home. By simply transferring air between your home and outside, taking heat from a cool space and moving it to a warm place, you’ll save on energy bills in the long run.

Or you can go with a geothermal heat pump. This system transfers heat from ground and water sources near your home, benefiting from more consistent temperatures than outside air. Geothermal pumps cost more—between $6,000 and upwards of $30,000. They're also a bigger spatial commitment and the installation will tear up your yard.

The benefits of both options are big.

According to the Energy Department’s guide on heat pumps, geothermal ones “can reduce energy use by 30%-60%, control humidity, are sturdy and reliable, and fit in a wide variety of homes” and air systems result in 50% energy reduction. And they’ll last for over a decade with minimal maintenance.

An Energy Efficient Home Wins with the Inflation Reduction Act

Solar panels and heat pumps are now more accessible than ever, thanks to President Biden’s signing of the Inflation Reduction Act. Here’s what to look forward to:

30% annual tax credit for certain energy efficient home improvements, such as doors, windows, roofing, etc.
100% credit for installation of energy-efficient water heaters, heat pumps, central air conditioning systems, etc. with a $1,200 annual limit.

30% credit for installing qualifying systems that use solar, wind, geothermal, biomass or fuel cell power to produce electricity, heat water or regulate temperature.

Rebates for low- and middle-income families who purchase energy-efficient electric appliances, including $8,000 for a heat pump.

No Matter the Structure, Make Your Home Efficient

Though this type of infrastructure should be government-provided in the efforts to fight climate change, progress is often slower than we’d like, and bigger and costlier projects like these won’t work for everyone.

For those that can realistically get solar panels or a heat pump, they’re both great investments—for everyone else, you can still do your part through smaller choices like lightbulbs and composting bins, or if you rent, engage with your landlord about purchasing solar or join a community solar project.

Financial Tips for Young Adults

Whether you’re a college student, newly minted graduate, or relatively fresh addition to the work world, finances are likely top of mind. If money management feels overwhelming, know you’re not alone: The Investopedia Financial Literacy Study found only 46% of Generation Z (ages 18 to 25) is confident about their financial understanding.

Luckily, many great resources—many a simple web search away—exist to help you feel financially on track. Learn how you can lay the groundwork now for a more secure and sustainable financial life.

Start with the Basics.

To build financial confidence, pick up the lingo. Boosting your financial literacy will not only strengthen decisions you make down the line, but help you resist bad money moves now.

The Financial Literacy Study indicates that Gen Z leans on technology to deepen their knowledge of all things money. Mix financial tips into your feeds by following One Big Happy Life, The Financial Diet, and Nate O’Brien on YouTube and @pariibafna, @pricelesstay, and @seth.godwin on TikTok. For a list of fundamentals, check out “The Ultimate Guide to Financial Literacy” by Investopedia.

And when you’re comfortable with the basics, start thinking about the long-term impact of your dollars. Read about socially responsible investing online via Athens Impact and Hansen's Advisory Services, Inc.

Racial justice through finance is a burgeoning topic with lots of resources from Adasina Social Capital. Green America's Guide to Socially Responsible Investing and Better Banking has articles for people from beginners to advanced on banking and investing topics.

Pick a Bank That Supports Your Values.

Steer clear of corporate mega-banks. Instead, seek out a nonprofit credit union or community investing bank, where you may find lower fees and more personalized customer service. According to NerdWallet, credit unions often boast better savings rates. They may also offer special account perks for students, like no minimum balance and no maintenance or overdraft fees.

Ditching mega-banks can also steer your money toward green solutions and communal good. While many conventional big banks propel environmental damage (for example, by supporting fossil-fuel expansion), credit unions and community investing banks pursue local impact by expanding economic opportunity.

Don’t Miss Out on Financial Aid.

Financial aid is awarded to more than 83% of first-year undergraduates enrolling for the first time, the Education Data Initiative reports. So, your chances are good! Complete the Free Application for Federal Student Aid (FAFSA) by the annual deadline to be considered for loans, which require repayment; grants, which don’t; and work-study eligibility. Apply for external scholarships and report previously satisfied course credit to save even more dough.

In Get a Financial Life: Personal Finance in Your Twenties and Thirties, author Beth Kobliner urges readers to “pay off…high-rate loans” with available savings before heavy accrual kicks in. Meet with your financial-aid provider to pick the appropriate payment plan for you.

Budget, Budget, Budget!

Keeping track of your assets and setting spending limits can feel daunting. “I try to budget, but it's hard to remember what my budgets are if I'm not constantly looking at them,” says Michelle Ott, a 24-year-old graduate student. The good news? There’s an app for that! Mint, Goodbudget, and similar software analyze money flow and visualize your budget (so you don’t have to).

A useful framework to follow is the 50-30-20 rule. To the best of your ability, commit about half of your post-tax earnings to “needs,” 30% (or less) to “wants,” and 20% to savings. Still, given sky-high rent and grocery costs, this method may feel more ideal than attainable for many. To set more young Americans up for financial success, systemic change is necessary.

For the most accurate read on your spending habits, CNBC finance correspondent Sharon Epperson suggests ditching money-transfer applications like PayPal and Venmo for a few months. Without blind spots on your transaction history, you can better determine how much you’re sinking into what.

Be a Smart Spender.

Honor the value of your dollars—and the planet—by saying no to waste. Did you know Americans collectively dispose of hundreds of thousands of dollars in food each year, per a Pennsylvania State University study?

Researchers found that a typical household’s food-waste rate hovers around 30%. Purchase only what you need and keep stock of perishables. Resist impulse buys that could also end up trashed later.

As for “must haves,” shop secondhand and look for student groups that help connect people with necessities. Drive down your community’s net waste and find reduced prices along the way. And don't forget to flash your student ID to claim student discounts.

Optimize your Credit.

According to the Financial Industry Regulatory Authority’s National Financial Capability Study, the majority of Americans don’t weigh options when obtaining a credit card. This is problematic, as selecting the right card takes effort.

Request bank recommendations, ask if student cards are available, and review everything from interest rates to spending thresholds on each.

Once you receive your card, sidestep interest by spending within your means and paying back what you owe monthly. You'll want to maintain a healthy credit score, too. To elevate your score, meet bill due dates (Kobliner endorses autopay) and—as Epperson recommends—cap spending at 10% of your credit limit, if you can.

Prepare for Emergencies.

Securing health insurance, Kobliner writes, “should be…your number one financial priority.” If a medical emergency hits, it could spare your savings.

To take financial security a step further, establish an emergency savings fund. Investopedia proposes stashing roughly “three to six months’ worth of expenses,” and Kobliner advocates for automatic savings plans.

Putting Your Financial Knowledge to Work.

Managing money effectively requires planning with intention, engaging institutions you trust, and asking questions as they arise. But while financial practices like budgeting and saving are critical, it's not realistic to expect to out-strategize a system built to benefit people with preexisting wealth.

FAQ for the Eco-Conscious Pet Owner

Pets make loyal companions, at your side through all seasons of life. But can they accompany you on the path toward a greener existence?

Yes! Taking steps toward sustainability now can make miles of a difference in the long run. First, adopt—don’t shop, and spay or neuter your pets.

Below, we answer common questions about eco-friendly pet ownership.

How should I handle waste?

Pick up after your pooch—even in your yard. Pet waste, if not properly disposed of, can threaten public health by wandering into waterways.

One approach is to bag and trash the doo. DC’s Department of Energy & Environment recommends “reusing old bread, produce, or newspaper bags.” While tossing biodegradable bags may sound greener, if they are headed for a landfill, they’ll get cut off from the oxygen they need to break down properly.

If you have the time and means, “a much better solution is to compost,” veterinarian Richard Pitcairn writes in Dr. Pitcairn’s Complete Guide to Natural Health for Dogs & Cats. Karl Schrass, founder of Annapolis Compost, agrees it’s feasible, but safety must come first. Seek expert advice on properly composting dog waste. Don’t “use that compost on plants that you will be eating,” Schrass warns. Pitcairn also suggests septic-style digesters like Doggie Dooley.

As for cat waste, some compostable litters do exist, but start by transitioning away from common materials like clay, which is sourced through strip mining, sustainability site Treehugger explains, and does not decompose.

Line cat boxes with bio-friendly corn, grass-seed, or walnut litter instead. If not composting with expert oversight, seal and trash used litter in a brown paper bag. It should not be composted normally because the parasite that causes toxoplasmosis is sometimes present in cat feces.

Can I make my pets greener eaters?

A 2017 UCLA study found cat and dog food is responsible for a quarter to a third of the environmental impact of meat consumption in the US. Churning out animal products—including resource-intensive pet food—strains Mother Nature. But is turning your pet vegan a safe solution?

For Pitcairn, the answer is (usually) yes. “For dogs, it is not only possible to eat much lower on the food chain, it’s a good idea,” he writes. He mentions Bramble, the collie whose intake of lentils, vegetables, and brown rice—among other vegan foods—helped her hit 25 years.

With cats, some maintain that a part-meat, part-plant diet is choice. But Pitcairn takes a different view, claiming that vegan diets designed to include synthetic supplemental nutrients can suit between 60% to 85% of felines.

Check out Animal Essentials treats and supplements. Remember: dietary switches require veterinary oversight.

Are there environmentally friendly toys?

According to an Integrative and Comparative Biology study, the majority of pet-care commodities involve single-use plastics. And given that America’s pet-product industry raked in nearly $100 billion last year, these goods definitely propel plastic overflow.

Cut down trash by curating your toy stash thoughtfully. Prioritize durable, plastic-free, and upcycled items.

Check out P.L.A.Y. and Purrfectplay for your toy and accessory needs.

What about bugs?

Disconcertingly, many EPA-approved pet pesticides contain perilous ingredients, according to the National Resources Defense Council. Products can stoke brain, organ, skin, or stomach issues. Plus, Pitcairn reminds us, toxins bleed into our biosphere.

Pitcairn endorses “nontoxic options for flea control, body care, and other household products.” Try Wondercide‘s natural flea and tick sprays and collars.

Leave only paw prints

Join other Green Americans in working toward eco-friendly pet ownership. Cutting back on plastic and toxic products not only benefits the earth but positions your pet to lead a healthier and happier life.

How To Have A Sustainable Wedding

Dearly beloved, we are gathered here today to witness the wedding industry’s commitment to sustainability.

According to a 2017 Stanford Mag article, the average carbon footprint of an American wedding is 56 tons. In 2022 alone, 2.5 million weddings are expected to take place, producing 140 million tons of emissions.

Don’t panic–your day can be glamorous without harming the planet.

Cheers to Catering

One of the worst offenders of wedding waste is catering. In 2017, UK supermarket Sainsburys found a tenth of all wedding food is thrown away and a fifth of guests said they didn’t eat the late-night reception food.

Ahead of the big day, research organizations to compost or donate leftovers, like FoodCycle in LA or the nationwide Food Recovery Network.

It’s also good to think about sustainable food and dishware options.

If you splurge on local and organic catering, you’ll avoid pesticides and transportation costs. If you’re in the DC metro area, try Green Plate Catering. Picking a seasonal menu will also support local farmers.

When sipping the signature cocktail or eating that vegetarian ceviche, don’t use plastic dishware. Consider, instead, renting or thrifting dishware. There are rental companies across the country, with pieces ranging from .50 cents to several dollars.

Be careful if you want to use crystal glassware. Bonnie Gringer, founder of the secondhand shop Share the Lovely, told Insider that such antiques “were likely made using outdated safety standards” and could contain harmful substances like lead.

Say “I Do” in a Thrifted Outfit

Looking and feeling your best is one of the great joys of a wedding, whether your own or someone else’s. And you don’t need a brand new outfit—someone’s something old can be your something new.

Whether it’s a dress, suit, or bell-bottomed disco jumpsuit, try giving an outfit another life. Thrift or buy/rent from one of the many secondhand sites like StillWhite and Rent The Runway. Want to try your outfit on first? Look for consignment bridal stores like Something Bridal in Oklahoma.

If you buy something new, consider a sustainable clothing company and donate your outfit after the big day.
The same goes for your guests. Instead of a strict dress code, encourage your guests to thrift or re-wear what makes them feel fabulous.

Yes, You Can Be a Flower Child!

Florals are a staple of weddings and, unfortunately, terrible for the environment. Arranged florals pollute the planet through greenhouse gas emissions from transportation and refrigerants. In 2018 alone, the International Council on Clean Transportation found that flying imported roses into the US emitted 360,000 metric tons of CO2.

When it comes to decorating, consider alternatives, like DIY décor; from flowers made of recycled paper to bouquets made out of book pages, and potted plants guests can take home.

If you want a more traditional floral display, work with a sustainable florist like New York-based Good Old Days Florist and ask about re-using products from another recent event. You can also donate florals to hospitals, assisted living facilities, and places of worship after.

The Theme Is: Sustainability

Details make your wedding feel unequivocally yours. Don’t forget to go green with the little things amid everything else:

No rice, glitter, or confetti—they're difficult to clean up, potentially harmful to local wildlife, and often not biodegradable. If you need to make it rain, hole-punch some leaves for nature’s confetti!

Swap the stationery for e-invites and online RSVPs or print on recycled paper.

Ditch the plastic favors for something edible, or let guests take home the décor.

Include a charity on your registry.

Your big day is a celebration of love. Use these tips to show your love in a sustainable way.

What about Rings?

Classic, romantic, and timeless—like the love you share with your person. That’s what wedding rings are all about! Finding a ring that symbolizes your love without harming the planet isn’t as tough as you might think.

Recycled gems: Finding recycled gems prevents the need for further mining. Ask your jeweler if they have “reclaimed” and “recycled” gems, or search antique, vintage, and estate sales.

Recycled gold: Whether yellow, white, or rose, opt for recycled. Like recycled gems, recycled gold is simply gold from other jewelry remelted into the perfect ring. There’s also recycled platinum, titanium, and sterling silver, if gold is not for you.

Family heirlooms: Why purchase a ring when there’s a beautiful heirloom in the family? This is a planet-friendly—and sentimental—way of sharing your love by declaring it with a ring passed down to you. If you don’t have a family heirloom, visit antique and vintage stores.

Wood rings: Unique and beautiful, wood rings speak volumes of your love for your person and the planet. Naturaleza Organic Jewelry makes custom wood rings from foraged wood, recycled metals, and unique gems.

“From family heirlooms, to trees in a yard, to reclaimed Bourbon barrels from Kentucky, trees and their wood have a lot of meaning and symbolism in our lives,” says Amy Shelton, who co-owns Naturaleza with her husband Marlon Obando Solano. “We welcome our customers to provide wood or other materials that are meaningful to them to create their custom wedding rings.”

Naturaleza also invests in reforestation projects in Nicaragua to combat climate change, rooting your ring in stewardship of the Earth.

The Dirty Diamond

Some people prefer the classic diamond, but there are some important things to look out for. Mined diamonds are responsible for erosion, dangerous working conditions, and human rights abuses. The most infamous of gems are “blood diamonds,” called that because they financed civil wars in African countries, where many minerals are mined. Fortunately, blood diamonds are rarely in the market nowadays after the 2006 movie Blood Diamond shined a light on these atrocities.

When searching for rings with diamonds, the keywords to look for are “conflict-free,” “recycled,” and “vintage” diamonds, which means your purchase will not finance a war. Lab-grown diamonds are indistinguishable from a mined diamond—but many are made using high-pressure, high-temperature technology run on fossil fuels. New technology has made it possible to create diamonds from extracting CO2 in the air, and some companies are using renewable energy to fuel this process, reducing the overall impact. The best option of all is used and recycled diamonds, which require no further energy to grow or mine. When purchasing, it’s always good practice to email or call the company to verify its claims and ensure it is not greenwashing.

Regardless of what ring you choose, aim for one that is good for people and the planet as well as your loved one.

The Hand-Me-Down Renaissance

As children, it almost felt like a punishment—receiving a wrinkled shopping bag of haphazardly folded hand-me-downs from distant cousins or…don’t even say it… older brothers. But now, as retro trends are dominating the fashion scene, grandma’s closet might be a goldmine.

When 74% of consumers say that secondhand apparel is more socially acceptable—and even braggable—than it was five years ago (according to thredUP’s 2022 Resale Report), sporting lightly loved fashion is undoubtedly having a renaissance. And while we love the circular economy of donating and thrifting, just because you want to wear secondhand doesn’t mean you have to buy it. Instead, shop in the closets of friends and family! On average, people tend to wear only half of their closet, so why not do a clothing swap and let someone else rock the things that you've outgrown?

To help kickstart a kind of circular closet economy, try out our vintage scavenger hunt and seek out these 70s, 80s, and 90s trends that are back in high style and just waiting to be found and flaunted.

Bells: Whether they’re bell-bottom jeans or bell-sleeved blouses, you can’t help but groove with bells on.

Platform Boots: Boots are no longer reserved just for winter months, especially when they come with a few extra stylish inches. And white boots? They’re good to go-go.

Corduroy: Jackets, pants, skirts, even hats—the soft-to-the-touch grooves of corduroy are back in style all year round.

Crochet: From halter tops and sweaters to skirts and vests, the world is telling us to crochet every-which-way.

Tinted Glasses: Indoors, outdoors, all year long, tinted sunglasses shout stylishly mysterious.

Puffs and Ruffs: From shoulder pads to puffy sleeves and ruffled fabric, textured blouses and blazers are back.

Belt Bag/Bum Bag/Fanny Pack: Call them what you will, but the brilliance of hands-free fanny packs has rightfully enlightened another generation.

Bike Shorts: In honor of the ever-popular fashion icon, celebrate Princess Di’s iconic style with the retro high-waisted bike shorts and oversized sweatshirt combination.

Power Suits: This comeback trend has been around for a while, but that doesn’t mean that your old power suits are behind the curve.

Bomber Jackets: The incomparable sheen and puff of bomber jackets are practical statement pieces that really never seem to slip from the spotlight.

Scrunchies: The bolder and bigger the better these days to tie a whole outfit together.

Button Downs: Business blouses, casual tops, cardigan sweaters—pullovers are out and button downs are in.

Overalls: They come with pants, shorts, and skirts, single clasp and double, wear over camisoles, T-shirts, or turtlenecks—the options are endless!

Bucket Hats and Bandanas: For blocking the sun’s rays or tying back those fly-aways, 80s headgear is still functional and fashionable.

Cargo Pants: Simply said—can you ever have too many pockets?

In a world of fast fashion that screams, “New is always better,” just remember that what goes around comes around… and around and around again, and hand-me-downs are up-and-coming.