Bankrate.com


Home equity loan rates for April 21, 2011 | 2011-04-21

Here are the average home equity rates from Bankrate‘s weekly survey of large banks and thrifts.

http://www.bankrate.com/finance/home-equity/national-home-equity-loan-rates-for-april-21-2011.aspx?ec_id=brmint_newsalert_20110421

CD rates for April 21, 2011 | 2011-04-21

Here are the average CD rates from Bankrate’s weekly survey of large banks and thrifts.

http://www.bankrate.com/finance/cd/national-cd-rates-for-april-21-2011.aspx?ec_id=brmint_newsalert_20110421

Credit card interest rates for April 21, 2011 | 2011-04-21

Here are the average credit card rates from Bankrate’s weekly survey of large banks and thrifts. http://www.bankrate.com/finance/credit-cards/national-credit-card-rates-for-april-21-2011.aspx?ec_id=brmint_newsalert_20110421

National mortgage rates for April 21, 2011 | 2011-04-21

See rates from our survey of CDs, mortgages, home equity products, auto loans and credit cards. http://www.bankrate.com/finance/mortgages/interest-rate-roundup-for-april-21-2011.aspx?ec_id=brmint_newsalert_20110421

Auto loan rates for April 21, 2011 | 2011-04-21

Here are the average auto loan rates from Bankrate’s weekly survey of large banks and thrifts.  http://www.bankrate.com/finance/auto/national-auto-loan-rates-for-april-21-2011.aspx?ec_id=brmint_newsalert_20110421

Is it ever OK to tap your 401(k)? | 2011-04-21

Only in very specific and highly limited situations should you consider tapping retirement savings early. http://www.bankrate.com/finance/debt/rarely-is-it-ok-to-raid-your-401-k.aspx?ec_id=brmint_newsalert_20110421

Energy: The Costs Of Fossil Fuel Dependence


Reminding us all how dangerous the dependence on fossil fuel can be, yesterday marked the one-year anniversary of the BP Deepwater Horizon disaster in the Gulf of Mexico — the”greatest man-made disaster” since the Sept. 11, 2001, attacks on the World Trade Center — which resulted in the loss of eleven men, crippled the livelihood of Gulf residents, and severely deteriorated the Gulf’s fragile ecosystem. A government-backed study found last month that the blowout preventer — a cutting device that shears and seals the pipe of a leaking well — failed on the Deepwater Horizon, resulting in the release of nearly five million barrels of oil into the Gulf. The detrimental effects of the BP disaster — such as its grave contribution to global warming — have prompted both retired Coast Guard Adm. Thad Allen, who oversaw the Obama administration’s response to the disaster, to warn that [t]here’s no such thing as risk-free drilling,” and Rep. Ed Markey (D-MA) to question the safety of deepwater drilling in the Gulf. The month of April provides yet another grim warning of the perils of dirty energy: the one-year anniversary of the Massey coal mine disaster, which tragically claimed the lives of 29 miners. But just yesterday, on the BP disaster anniversary, Pennsylvania got a haunting reminder of the potential dangers of drilling for fossil fuels when a natural gas well blew, causing a major leak of fracking fluid — a mixture of sand, water, and undisclosed chemicals that pose significant threats to underground water supplies.

A YEAR AFTER THE SPILL: Breaking a one year moratorium on political donations, a campaign finance report filed with the Federal Election Commission on Tuesday details BP’s campaign contributions to climate zombies House Speaker John Boehner (R-OH), House Majority Whip Kevin McCarthy (R-CA) and the leader of the climate-deniers Fred Upton (R-MI) — among others. Noticeably, all but one of BP’s political contributions were for Republicans. After writing off the losses incurred from the tragedy they created, BP received nearly a $10 billion dollar credit on their 2010 federal tax return — compare that to the EPA’s annual budget of $10.5 billion in 2010. Moreover, the president of BP’s Alaska unit asked the state to lower its oil production taxes to boost investment in the Trans Alaska Pipeline System. Even worse, despite the country’s month-old civil war and confrontation with Western governments, BP is still planning to move forward with drilling in Libya. Kenneth Feinberg, administrator of BP’s $20 billion claims fund for victims of the spill, has faced sharp criticism for the slow pace of payments to Gulf residents, and has been found to be financially tied to BP, as documents show that BP pays Feinberg’s law firm $1.25 million a month for his services. Adding insult to injury, the Gulf coast ecosystem is still reeling from the disaster. The National Wildlife Federation reported this month that the BP disaster contaminated 3,000 miles of beach, wetlands, and that new “tar balls” are washing up on the shores every day. Sixty-five dead baby dolphins have been found in the Gulf region — five times higher than the average — and the National Audubon Society has warned that the spill continues to threaten many endangered migratory species< in the Gulf. As CAP warned last year, the impact of the spill on the health of Gulf region residents has also been quite noticeable. James Diaz, director of the environmental and occupational health sciences program at Louisiana State University Health Sciences Center in New Orleans, said that [w]e’re seeing patients who will come in and say my nose is bleeding all the time, my cough gets worse.” Diaz said that he knows “a lot about the acute health effects of the compounds in petroleum because it’s a major industry” in the Gulf region, and that he is “seeing a lot of” coughing, watery eyes, itchy eyes, nosebleeds, and sneezing — all symptoms of exposure to crude oil.

MINING BLACK DEATH: A federal probe concluded in March that a trapped piece of drill pipe stopped a key failsafe device from sealing off the blown oil well, which lead to a methane explosion on the Deepwater Horizon oil rig and its collapse into the Gulf of Mexico. With nearly a total of five million barrels of oil spilled into the Gulf, the BP disaster wreaked havoc on the environment, caused overall tourism and consumer spending to drop 40 percent, and is the world’s worst accidental offshore oil spill in history. The mining of coal has also brought devastation. A Mine Safety and Health Administration investigation found that the mixture of accumulated, highly explosive coal dust and methane gas set the stage for a blast of astonishing power in Massey’s Upper Big Branch coal mine in West Virginia, which caused the death of 29 coal workers The Massey coal mine accident is the worst mining disaster in the US in the last 4 decades. But the accident came as no surprise, as four of Massey’s coal mines in 2009 had injury rates more than double the national average, Massey’s Freedom Mine in Kentucky was shut down by federal regulators, and even the Upper Big Branch mine — the location of the disaster — had more closure orders than any other mine in the nation.

SAFETY SACRIFICED FOR ENERGY: Oil and coal workers continually risk their lives for our dependence on dirty energy. “Coal mining is a dangerous profession,” CAP’s Daniel J. Weiss and Valeri Vasquez write, and results in “[e]xplosions, fires, and collapsed mine shafts [that] have killed at least 3,827 miners since 1968 — not to mention thousands of others who have suffered from pulmonary diseases and other work-related injuries.” Oil workers are not exempt from the danger, as “[t]here have been 77 fatalities and 7,550 injuries at onshore and offshore oil production facilities since 1968,” write Weiss and Vaquez. Totaling at 7.5 million barrels of oil, spills related to these accidents have wreaked havoc, causing billions of dollars of environmental and economic damage. Following the BP disaster, 101 oil-spill-related bills were introduced by the 111th Congress, but to date, zero have been enacted. And instead of hitting the brakes after the disastrous spill, House Republicans have accelerated the oil drilling permitting process in Gulf. Citing the resoundingly disproven concept that additional offshore drilling will lower domestic gas prices, Rep. Doc Hastings (R-WA) has brought a bill to the House that ” would dramatically accelerate the permitting process in the Gulf of Mexico and require the Secretary of the Interior to open portions of the heretofore untouched outer continental shelf in the Atlantic, Arctic, and Pacific Oceans to more drilling,” writes CAP’s Michael Conathan. The top Democrat on the House Natural Resources Committee Rep. Ed Markey (D-MA), on the other hand, advocates that oil companies use their thousands of existing, undeveloped leases in the western Gulf of Mexico first or lose them. Markey has also called for an immediate inspection of whether blowout preventers — cutting devices that seal the pipe of a leaking well and failed during the BP spill — could ever be counted on. And two bills introduced in the House and Senate would establish “legislation mandating 80 percent of BP’s Clean Water Act fines that will ultimately come due as a result of this spill—likely to total between $4.3 billion and $16.9 billion—be sent directly to the Gulf Coast to repair the damage done to both the environment and the economy,” writes Conathon. But West Virginia hasn’t fared any better, as the state has failed to pass any mine safety package after the Massey disaster. Finally, as Weiss and Vasquez point out, the US needs to make significant investments in “clean, noncombustible renewable energy sources” — such as solar panels and wind farms — citing that they “are much less susceptible to large, catastrophic disasters such as the Massey and BP Deepwater Horizon tragedies.”

Happy Earth Day! Take the eco personalit​y test! from RAN


What kind of environmentalist are you? What inspires you to action? For Earth Day 2011, we’ve devised a highly entertaining personality test to help you find out.

http://salsa.wiredforchange.com/dia/track.jsp?v=2&c=0EJFmlNL5IQBtWzr1qOWvC%2F7rccknNix

Whether you’re a lover of charismatic megafauna (i.e. fluffy animals) or a cycling fanatic with a taste for organic chimichangas, RAN’s Eco Personality Test will have you pegged in no time. And the best part? When you complete this 5-minute test, you get a big colorful sticker featuring YOUR eco personality in the mail. Yay, presents!

http://salsa.wiredforchange.com/dia/track.jsp?v=2&c=g%2F9fnx0pRLQuvo%2FpZCTQKC%2F7rccknNix

Take RAN’s Eco Personality Test and find out what kind of environmentalist you are!

http://salsa.wiredforchange.com/dia/track.jsp?v=2&c=0EJFmlNL5IQBtWzr1qOWvC%2F7rccknNix

RAN’s design mavens have brilliantly captured the iconography of each environmentalist in five custom coat of arms stickers. We hope you’ll brandish yours with pride. Happy Earth Day!

Take the Eco Personality Test!Get a free sticker featuring your personality type.

For the planet,

Jenn Breckenridge

Social Media Manager

from John Hocevar, Greenpeace


It’s been one year now since the BP Deepwater Horizon drilling rig exploded in the Gulf of Mexico – costing eleven people their lives and eventually releasing nearly 5 million barrels of oil into the marine ecosystem.

We have just one week to let the Obama administration know that the new national ocean policy they’re writing must include restrictions on offshore drilling, especially in the Arctic. Sign your name to the letter we’ll be delivering by clicking the take action button below.

http://www.greenpeaceusa.org

The accident was a horrible example of the risks that oil companies like BP are willing to take with our national treasures just to make a profit and that they do it with the backing of our government. And while it will take years to fully understand the impacts the disaster had on the Gulf, one thing is clear: our lack of a comprehensive national ocean policy failed us a year ago.

That can change. Right now, the Obama administration is in the process of developing a new National Ocean Policy. They’re testing the waters to see how engaged the voting public is on this issue by allowing for public comments up until April 27th. I will be writing a letter on behalf of Greenpeace and submitting it as part of the process and I’d love it if you joined me by signing on to the letter yourself.

Your signature will send a message to the Obama administration that the public is still paying attention and that the dead turtles and dolphins still washing up along the Gulf coast one year after the disaster are not an acceptable side effect of our reliance on unsafe offshore drilling.

It’s time we had a national ocean policy that is for the oceans and all who use them – and not just big businesses looking to make a profit. We can’t afford another BP Deepwater disaster.

But you can bet that the oil companies are going to do everything they can to keep doing business as usual. We can’t let them be the only voice heard in this process. Help us get 40,000 signatures before April 27th by signing today.

http://www.greenpeaceusa.org

Together we’ll send a message to the Obama administration that we want a national ocean policy that doesn’t include disasters like the one in the Gulf last year.

For the oceans,

John Hocevar

Greenpeace Oceans Campaign Director

Urgent: Save Troy Davis’ life -Troy Davis is about to be executed — even though he may be innocent.


In 1991, Troy Davis was convicted of murdering a white police officer. Though there’s major evidence that Davis didn’t commit the crime, Georgia is prepared to put him to death. We have a good chance of stopping this — but only if we speak up now.

The fact is, no physical evidence connected Davis to the murder. Seven of the original nine witnesses have recanted, with many saying their testimony was a result of law enforcement pressure. Of the remaining witnesses, one is highly suspect and the other could be the actual culprit in the officer’s murder.

Now, despite these and other facts, the state of Georgia has taken the first steps toward Davis’ execution — and only the Georgia Board of Pardons and Parole stands between Davis and the lethal injection chamber.

Georgia may be about to kill an innocent man. That’s not justice. Please ask the Georgia Parole Board to spare Troy Davis’ life, before it’s too late — and it’s critical that you ask others to do the same:

http://act.colorofchange.org/go/807?akid=1952.1174326.CrQTin&t=3

Since Troy Davis’ 1991 conviction, numerous facts have emerged that introduce significant doubt as to his guilt. These facts include:

All but two of the original witnesses against Troy Davis have signed affidavits recanting their earlier testimony. Most claim that their testimony was coerced by police officers.1

Multiple witnesses say that another man — one of the original witnesses against Davis — has claimed to have slain the fallen officer.2

The weapon used in the murder was never found. The only physical evidence connecting Davis to the crime was indirect, circumstantial — and new testimony disputes Davis’s connection to that evidence.3

In light of this evidence, the Supreme Court granted Davis another chance. But instead of an actual new trial before a jury, which would mean the burden of proof beyond a reasonable doubt is on the prosecutor, he got an evidentiary hearing before a single federal judge where Davis’ lawyers had the burden to meet an impossibly high and undefined legal standard.

In light of this, it was sad — but no surprise — when the judge rejected the new evidence and cleared the way for Davis’ execution. However, even he acknowledged lingering doubt, noting that the case against Davis was not “ironclad.”

But “ironclad” is exactly what the evidence should be in order to put someone to death. If the Georgia Board of Pardons and Parole doesn’t act to stop Davis’ execution, they’ll run a serious risk of putting an innocent man to death. That is not acceptable.

Please join us, along with our partners at Amnesty International and the NAACP, in asking the Georgia Board of Pardons and Parole to save Troy Davis’ life by commuting his sentence to life in prison. And when you do, please ask your friends and family to do the same.

http://act.colorofchange.org/go/807?akid=1952.1174326.CrQTin&t=4

Thanks and Peace,

— James, Gabriel, William, Dani, Matt, Natasha and the rest of the ColorOfChange.org team

April 20th, 2011

Help support our work. ColorOfChange.org is powered by YOU–your energy and dollars. We take no money from lobbyists or large corporations that don’t share our values, and our tiny staff ensures your contributions go a long way. You can contribute here:

http://www.colorofchange.org/donate

References:

1. “Troy Davis – Finality over Fairness,” Amnesty International USA

http://act.colorofchange.org/go/808?akid=1952.1174326.CrQTin&t=7

2. See Reference 1

3. See Reference 1

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