Last week, Michigan’s Save-to-Win program, the sort of “no-lose lottery” we discussed in a two-part podcast, announced its second winner. Charmain Hanners of Alpena Alcona Area Credit Union is this year’s lucky winner of $100,000. The “no-lose lottery,” a savings program with a lottery element, was brought to the U.S. by Harvard Business School professor Peter Tufano, who will soon become the new dean at the Saïd Business School, University of Oxford. The Save to Win program racked up $28 million of savings as of the end of 2010 (research can be found on Tufano’s non-profit’s website). And now there’s one more “no-lose lottery” in America: if you live in Alabama, the Save Now Win Later program offers up a $20,000 savings bond prize for putting money into the bank.