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Earth Saver: part seven



In this chapter of Earth Saver, Ben gets a part-time job, so the family goes to pick a bank where he can open his own account, and Clare discovers eco-banking and charity credit cards.

Hooray! Daisy’s party was a success! Well, except for the drizzle. Good thing those solar fairy-lights turned out to be water-proof. Shame about my paper lanterns, though. Nonetheless, she thought the decorations were really stylish and she liked my present too. I gave her a daisy flower brooch and a pair of flower earrings. It took her a moment to realise the jewellery was not glass, but plastic, and she was very surprised when I told her that Mum and I had also made the flowers ourselves – out of plastic bottles!

We’d found a video online that showed you how to make them, with just some used plastic pop bottles and some permanent marker pens. We even reused an old badge pin and a pair of plain earrings Mum had managed to find, which we stuck the finished flowers to.

So that’s good news. There turned out to be even more a couple of days later when Ben announced that he had found himself a part-time job. He’s been looking for one for a while, and he’s finally been hired by a local organic fruit, flower and vegetable shop. However, they want to pay him through the bank, so Dad is taking Ben into town next week to open a current account. Dad should know what he’s doing. It’s his job to advise people on how to save money – though he did make a joke about current accounts not having dried fruit in them. No one laughed except me.

Anyway, Dad and Ben got back this evening with a whole load of leaflets about accounts from different banks, and are now sitting at the kitchen table trying to decide. I think Dad’s more interested in picking the right bank than Ben is. I take a quick peek at one of the glossy leaflets, and it all seems very complicated.

I am about to leave them to it when I notice a leaflet with the words ‘sustainable banking’ on it. Surely that doesn’t mean green sustainable does it? Then I spot another with the words ‘ethical banking’. Hmmm? I decide to ask Dad about the leaflets.

Dad, what’re these ‘sustainable’ and ‘ethical’ banking leaflets about? Is it anything to do with being green?

Dad picks up the leaflets.

Ah, yes”, Dad nods, “I’ve come across this before. This is where banks are trying to be more socially responsible and green. Though there are differences between what banks call ‘ethical’ and ‘green’ banking.”

Which are?” I ask.

Well… ‘green’ banking usually means that the bank tries to uses its resources better, day to day. For example giving people the option to stop being sent paper statements through the post to cut down on the use of paper and get them online instead. ‘Ethical’ banking is about where the banks invest their money. Some invest them in companies that aren’t very green, that destroy wildlife and that sort thing. Ethical banks invest in companies that don’t do that. They actively invest in ones that are doing good things, such as setting up solar power projects. ‘Sustainable’ means green or ethical, or both.”

So, Ben should apply to one of those banks then!” I cry, “If it’s green!

Huh?” Ben pulls out his earphones. He’d started listening to music whilst we were talking.

That’s true, but we also have to decide on the right account for his needs”, Dad says.

What’s this?” Ben asks.

Ben, would you go for one of these green or ethical banks? They invest in good companies.”

Err…it’s not quite that simple”, Dad says. “There’s the rate of interest Ben will get…

Can I put money in these accounts?” Ben says, interrupting Dad and taking the leaflets.

Of course…” Dad starts.

Then sure. Whatever. As long as my pay check can go in there, I can save a bit and I can get money out, that’ll be fine”, Ben says casually.

I suppose you’re right”, Dad sighs, “You’re not exactly at the stage where you’ll be wanting to get a mortgage or a credit card.

So what do these ethical banks invest in then? Panda reserves? Wildlife gardens?” Ben asks flipping through a leaflet.

Well”, Dad says, taking the leaflet off him, “This one invests in environmental schemes and organic businesses. Apparently they invested in a hydro-electricity scheme that a community wanted to set up.”

Wow! I wish our community would set up a hydro-electricity scheme”, I sigh.

A brilliant plan”, Ben says, “Now all we need is a river.”

I hear a click of keys. Dad has brought the bank’s website up onto his laptop screen.

Look at this, they invested in a wind farm too”, he says, “You know, it’s kind of refreshing to see banks investing in communities and eco-projects. Normally they just invest in whatever they think will make the biggest profit. And then you’ve got all those bonuses they pay themselves…

Oh no. Not another rant about the banks. Dad may be a financial advisor, but his aim, according to him, has been to make money for his client, not for the banks.

The rate of interest isn’t bad either. You know, Ben”, Dad says, scrolling down the site, “If you just want a basic standard bank account for now, perhaps going for one of these would be a good idea. Oh, look at this – charity credit cards! Each time you use their credit card some money is donated to a charity, at no cost to you…

Five minutes later Dad’s dragged Mum into the kitchen and they are discussing the idea of ethical banking, not just for Ben, but for themselves. Which is good, I think. I try and keep track but it’s really hard as I don’t know anything about banking. Dad’s discovered a bank with a saving account which lets you choose a charity to benefit from your savings. I’m not quite sure how, but it sounds like a nice idea.

By the end of the evening Mum and Dad are agreeing to open an ethical  bank account for Ben, and switch to the same bank themselves. So I suppose that’s another thing we’ve managed to go green with. Wish I could’ve have helped more. Never mind, there’s still plenty yet to do!

Next Sunday:

Clare breaks her old MP3 player, and looks at buying a wind-up or solar replacement.

Part one // Part two // Part three // Part four // Part five // Part six.

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2017 Was the Most Expensive Year Ever for U.S. Natural Disaster Damage



Natural Disaster Damage
Shutterstock / By Droidworker |

Devastating natural disasters dominated last year’s headlines and made many wonder how the affected areas could ever recover. According to data from the U.S. National Oceanic and Atmospheric Administration (NOAA), the storms and other weather events that caused the destruction were extremely costly.

Specifically, the natural disasters recorded last year caused so much damage that the associated losses made 2017 the most expensive year on record in the 38-year history of keeping such data. The following are several reasons that 2017 made headlines for this notorious distinction.

Over a Dozen Events With Losses Totalling More Than $1 Billion Each

The NOAA reports that in total, the recorded losses equaled $306 billion, which is $90 billion more than the amount associated with 2005, the previous record holder. One of the primary reasons the dollar amount climbed so high last year is that 16 individual events cost more than $1 billion each.

Global Warming Contributed to Hurricane Harvey

Hurricane Harvey, one of two Category-4 hurricanes that made landfall in 2017, was a particularly expensive natural disaster. Nearly 800,000 people needed assistance after the storm. Hurricane Harvey alone cost $125 billion, with some estimates even higher than that. So far, the only hurricane more expensive than Harvey was Katrina.

Before Hurricane Harvey hit, scientists speculated climate change could make it worse. They discussed how rising ocean temperatures make hurricanes more intense, and warmer atmospheres have higher amounts of water vapor, causing larger rainfall totals.

Since then, a new study published in “Environmental Research Letters” confirmed climate change was indeed a factor that gave Hurricane Harvey more power. It found environmental conditions associated with global warming made the storm more severe and increase the likelihood of similar events.

That same study also compared today’s storms with ones from 1900. It found that compared to those earlier weather phenomena, Hurricane Harvey’s rainfall was 15 percent more intense and three times as likely to happen now versus in 1900.

Warming oceans are one of the contributing factors. Specifically, the ocean’s surface temperature associated with the region where Hurricane Harvey quickly transformed from a tropical storm into a Category 4 hurricane has become about 1 degree Fahrenheit warmer over the past few decades.

Michael Mann, a climatologist from Penn State University, believes that due to a relationship known as the Clausius-Clapeyron equation, there was about 3-5 percent more moisture in the air, which caused more rain. To complicate matters even more, global warming made sea levels rise by more than 6 inches in the Houston area over the past few decades. Mann also believes global warming caused the stationery summer weather patterns that made Hurricane Harvey stop moving and saturate the area with rain. Mann clarifies although global warming didn’t cause Hurricane Harvey as a whole, it exacerbated several factors of the storm.

Also, statistics collected by the Environmental Protection Agency (EPA) from 1901-2015 found the precipitation levels in the contiguous 48 states had gone up by 0.17 inches per decade. The EPA notes the increase is expected because rainfall totals tend to go up as the Earth’s surface temperatures rise and additional evaporation occurs.

The EPA’s measurements about surface temperature indicate for the same timespan mentioned above for precipitation, the temperatures have gotten 0.14 Fahrenheit hotter per decade. Also, although the global surface temperature went up by 0.15 Fahrenheit during the same period, the temperature rise has been faster in the United States compared to the rest of the world since the 1970s.

Severe Storms Cause a Loss of Productivity

Many people don’t immediately think of one important factor when discussing the aftermath of natural disasters: the adverse impact on productivity. Businesses and members of the workforce in Houston, Miami and other cities hit by Hurricanes Harvey and Irma suffered losses that may total between $150-200 billion when both damage and sacrificed productivity are accounted for, according to estimates from Moody’s Analytics.

Some workers who decide to leave their homes before storms arrive delay returning after the immediate danger has passed. As a result of their absences, a labor-force shortage may occur. News sources posted stories highlighting that the Houston area might not have enough construction workers to handle necessary rebuilding efforts after Hurricane Harvey.

It’s not hard to imagine the impact heavy storms could have on business operations. However, companies that offer goods to help people prepare for hurricanes and similar disasters often find the market wants what they provide. While watching the paths of current storms, people tend to recall storms that took place years ago and see them as reminders to get prepared for what could happen.

Longer and More Disastrous Wildfires Require More Resources to Fight

The wildfires that ripped through millions of acres in the western region of the United States this year also made substantial contributions to the 2017 disaster-related expenses. The U.S. Forest Service, which is within the U.S. Department of Agriculture, reported 2017 as its costliest year ever and saw total expenditures exceeding $2 billion.

The agency anticipates the costs will grow, especially when they take past data into account. In 1995, the U.S. Forest Service spent 16 percent of its annual budget for wildfire-fighting costs, but in 2015, the amount ballooned to 52 percent. The sheer number of wildfires last year didn’t help matters either. Between January 1 and November 24 last year, 54,858 fires broke out.

2017: Among the Three Hottest Years Recorded

People cause the majority of wildfires, but climate change acts as another notable contributor. In addition to affecting hurricane intensity, rising temperatures help fires spread and make them harder to extinguish.

Data collected by the National Interagency Fire Center and published by the EPA highlighted a correlation between the largest wildfires and the warmest years on record. The extent of damage caused by wildfires has gotten worse since the 1980s, but became particularly severe starting in 2000 during a period characterized by some of the warmest years the U.S. ever recorded.

Things haven’t changed for the better, either. In mid-December of 2017, the World Meteorological Organization released a statement announcing the year would likely end as one of the three warmest years ever recorded. A notable finding since the group looks at global land and ocean temperature, not just statistics associated with the United States.

Not all the most financially impactful weather events in 2017 were hurricanes and wildfires. Some of the other issues that cost over $1 billion included a hailstorm in Colorado, tornados in several regions of the U.S. and substantial flooding throughout Missouri and Arkansas.

Although numerous factors gave these natural disasters momentum, scientists know climate change was a defining force — a reality that should worry just about everyone.

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How to be More eco-Responsible in 2018



Shutterstock / By KENG MERRY Paper Art |

Nowadays, more and more people are talking about being more eco-responsible. There is a constant growth of information regarding the importance of being aware of ecological issues and the methods of using eco-friendly necessities on daily basis.

Have you been considering becoming more eco-responsible after the New Year? If so, here are some useful tips that could help you make the difference in the following year:

1. Energy – produce it, save it

If you’re building a house or planning to expand your living space, think before deciding on the final square footage. Maybe you don’t really need that much space. Unnecessary square footage will force you to spend more building materials, but it will also result in having to use extra heating, air-conditioning, and electricity in it.

It’s even better if you seek professional help to reduce energy consumption. An energy audit can provide you some great piece of advice on how to save on your energy bills.

While buying appliances such as a refrigerator or a dishwasher, make sure they have “Energy Star” label on, as it means they are energy-efficient.

energy efficient

Shutterstock Licensed Photo – By My Life Graphic

Regarding the production of energy, you can power your home with renewable energy. The most common way is to install rooftop solar panels. They can be used for producing electricity, as well as heat for the house. If powering the whole home is a big step for you, try with solar oven then – they trap the sunlight in order to heat food! Solar air conditioning is another interesting thing to try out – instead of providing you with heat, it cools your house!

2. Don’t be just another tourist

Think about the environment, as well your own enjoyment – try not to travel too far, as most forms of transport contribute to the climate change. Choose the most environmentally friendly means of transport that you can, as well as environmentally friendly accommodation. If you can go to a destination that is being recommended as an eco-travel destination – even better! Interesting countries such as Zambia, Vietnam or Nicaragua are among these destinations that are famous for its sustainability efforts.

3. Let your beauty be also eco-friendly


Shutterstock / By Khakimullin Aleksandr

We all want to look beautiful. Unfortunately, sometimes (or very often) it comes with a price. Cruelty-free cosmetics are making its way on the world market but be careful with the labels – just because it says a product hasn’t been tested on animals, it doesn’t  mean that some of the product’s ingredients haven’t been tested on some poor animal.

To be sure which companies definitely stay away from the cruel testing on animals, check PETA Bunny list of cosmetic companies just to make sure which ones are truly and completely cruelty-free.

It’s also important if a brand uses toxic ingredients. Brands such as Tata Harper Skincare or Dr Bronner’s use only organic ingredients and biodegradable packaging, as well as being cruelty-free. Of course, this list is longer, so you’ll have to do some online research.

4. Know thy recycling

People often make mistakes while wanting to do something good for the environment. For example, plastic grocery bags, take-out containers, paper coffee cups and shredded paper cannot be recycled in your curb for many reasons, so don’t throw them into recycling bins. The same applies to pizza boxes, household glass, ceramics, and pottery – whether they are contaminated by grease or difficult to recycle, they just can’t go through the usual recycling process.

People usually forget to do is to rinse plastic and metal containers – they always have some residue, so be thorough. Also, bottle caps are allowed, too, so don’t separate them from the bottles. However, yard waste isn’t recyclable, so any yard waste or junk you are unsure of – just contact rubbish removal services instead of piling it up in public containers or in your own yard.

5. Fashion can be both eco-friendly and cool

Believe it or not, there are actually places where you can buy clothes that are eco-friendly, sustainable, as well as ethical. And they look cool, too! Companies like Everlane are very transparent about where their clothes are manufactured and how the price is set. PACT is another great company that uses non-GMO, organic cotton and non-toxic dyes for their clothing, while simultaneously using renewable energy factories. Soko is a company that uses natural and recycled materials in making their clothes and jewelry.

All in all

The truth is – being eco-responsible can be done in many ways. There are tons of small things we could change when it comes to our habits that would make a positive influence on the environment. The point is to start doing research on things that can be done by every person and it can start with the only thing that person has the control of – their own household.

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