March 19, 2022
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Banks are in the business of making money, and a lot of it — even if that means charging you to deal with money that’s yours.
From ATM fees to overdraft fees to maintenance fees, banks have all sorts of ways of extracting funds out of consumers. You go to an out-of-network ATM for cash and wind up paying a few extra dollars. You don’t have a ton of money in your checking account and notice your bank is charging you each month just to hold onto your (dwindling) funds. Maybe you screw up, accidentally try to spend money that isn’t in your account, and you get slapped with a $35 overdraft fee. Or you don’t have a bank account, need to cash a check, and the place where you do it winds up keeping a cut.
The whole thing can feel a little gross. Sure, banks are private businesses beholden to shareholders. At the same time, it’s hard not to look at the ways big and small they’re scooping up extra cash and think wait, what? Banks made $279.1 billion in 2021, up $132 billion from the year before.
“One might want to question whether the amount of fees that are being charged are necessary to cover the costs, given those levels of profit margins,” said Brian Shearer, senior adviser to the director at the Consumer Financial Protection Bureau (CFPB), which recently launched an initiative to look into what it describes as “junk fees” from banks and financial institutions. “One, they add up and they really can have a substantial impact on consumers’ pocketbooks, and, two, we’re concerned that they distort the competitive process and have hindered overall competitive forces in banking.” The concern is that consumers aren’t able to effectively comparison shop because of practices such as drip pricing or hidden pricing that hide actual costs. Basically, if you’re looking for a new bank and on the back end there are all sorts of fees you don’t notice, you might not make the best choice for yourself — and banks won’t have to compete as hard for your business.
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Out-of-network ATM charges can make it pricey to withdraw your own money.Patrick T. Fallon/Bloomberg via Getty Images
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March 19, 2022
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March 18, 2022
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March 17, 2022
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March 16, 2022
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March 15, 2022
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We are surrounded by toxic chemicals every day – around 80,000 worth, according to the Environmental Protection Agency (EPA). From the pesticides on the foods we eat to the latest tech gadgets and hottest new beauty products, chemicals are everywhere.
Unfortunately, these chemicals, such as bisphenol A (BPA), formaldehyde, phthalates, and toxic flame retardants, are easily absorbed into our bodies and have been linked to obesity, infertility, asthma, heart disease, and even cancer. Toxic chemicals are especially troubling for kids, as their bodies are much smaller and are still developing.
In fact, a recent study in the journal Environmental Health Perspectives found that exposure to chemicals like flame retardants found in furniture and stain-resistant items may cause breast cancer. What’s more, many of these chemicals have never been tested for their safety in humans, and experts agree strong legislation is needed.
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March 15, 2022
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BPA stands for bisphenol A, an industrial chemical that has been used to make certain plastics and resins since the 1950s.
BPA is found in polycarbonate plastics and epoxy resins. Polycarbonate plastics are often used in containers that store food and beverages, such as water bottles. They may also be used in other consumer goods.
Epoxy resins are used to coat the inside of metal products, such as food cans, bottle tops, and water supply lines. Some dental sealants and composites also may contain BPA.
Some research has shown that BPA can seep into food or beverages from containers that are made with BPA. Exposure to BPA is a concern because of the possible health effects on the brain and prostate gland of fetuses, infants, and children. It can also affect children’s behavior. Additional research suggests a possible link between BPA and increased blood pressure, type 2 diabetes, and cardiovascular disease.
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Bisphenol A
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https://www.mayoclinic.org/healthy-lifestyle/nutrition-and-healthy-eating/expert-answers/bpa/faq-20058331
Addendum Wikipedia – Bisphenol A
Bisphenol A (BPA) is a chemical compound and one of the simplest and best-known bisphenols. It is produced by the condensation of phenol and acetone, with an estimated 4 million tonnes of produced worldwide in 2015. It is a colorless solid which is soluble in organic solvents, but poorly soluble in water (0.344 wt % at 83 °C).
BPA and its derivatives have many uses, most of which are centered around plastics. Its largest single application is as a co-monomer in the production of polycarbonates and, to a much lesser extent, polysulfones. Its epoxide derivative BADGE (also called DGEBA) is the starting material for most epoxy resins. Low levels of unpolymerised BPA and BADGE are also used in PVC plastisols, as an auxiliary antioxidant and acid scavenger respectively. A common, if minor, use is as a stabilizer in thermal paper. It is not a plasticizer, although it is often wrongly labeled as such.
BPA is a xenoestrogen, exhibiting estrogen-mimicking, hormone-like properties. Although the effect is very weak, the pervasiveness of BPA-containing materials raises concerns. Many of these materials are non-obvious but commonly encountered; such as coatings for the inside of food cans, clothing, shop receipts, and dental fillings. Since 2008, several governments have investigated its safety, which prompted some retailers to withdraw polycarbonate products. Since then, BPA-free plastics have been manufactured using alternative bisphenols such as bisphenol S and bisphenol F, but there is controversy around whether these are actually safer.
Bisphenol A was reported in 1891 by the Russian chemist Aleksandr Dianin.
In 1934 workers at I.G. Farbenindustrie reported the coupling of BPA and epichlorohydrin. Over the following decade, coatings and resins derived from similar materials were described by workers at the companies of DeTrey Freres in Switzerland and DeVoe and Raynolds in the US. This early work underpinned the development of epoxy resins, which in turn motivated production of BPA. The utilization of BPA further expanded with discoveries at Bayer and General Electric on polycarbonate plastics. These plastics first appeared in 1958, being produced by Mobay and General Electric, and Bayer.
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March 15, 2022
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March 14, 2022
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March 12, 2022
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