Life

Worried your 401(k) is fueling climate change?

3 tips to make sure your investments are also fighting climate change

Have a 401(k), savings, or checking account? Congratulations! You are now a shareholder of oil and gas companies. OK, just kidding, that's not exactly how it works, but your money isn't just sitting around twiddling its thumbs. It gets invested in a lot of different ways, including with companies responsible for climate change. You might end up owning stocks in coal, oil, or gas companies through your retirement account and, if you're banking with certain banks, they could be using your money to help finance oil or gas pipelines.


Why does it matter? We all know climate change is already happening. We are feeling the impact on our health today from extreme heat to worsening allergy seasons to the food on our plates. You can use your money to help the transition away from climate-damaging fossil fuels into clean energy that is healthier for you, your kids, and your communities. And, it's easy to do.

Here are 3 steps you can take to use your money to do good for the planet and your finances.

Step 1. Know what you own.

Fossil fuel companies like Exxon and Shell have known for decades that burning fossil fuels cause climate change and have spent those same decades sowing climate change doubt and keeping the fossil fuels flowing. And, although they have started to invest in clean energy solutions like solar and wind, they have also invested trillions of dollars in future fossil fuel projects from coal mines to pipelines and have fought against better fuel economy standards and clean air standards that protect human health. But despite all this, the world is shifting away from fossil fuels. Every nation on the planet, except the United States, has agreed to the 2015 Paris Climate Agreement. Through this agreement, the world has pledged to reduce carbon emissions to limit global warming to 1.5C in order to protect island nations from sea level rise.

Global climate action spells financial trouble for fossil fuel companies. Renewable energy, like wind and solar, are now cheaper to install than new coal plants, and they're almost as cheap as natural gas. More car companies are committed to replacing gasoline-fueled cars with electric vehicles. For coal, oil, and gas companies that means they are worth more today than they will be when you cash out your 401(k). Economists are so worried about the carbon bubble bursting that they think it could spark the next global financial crisis.

So, how can you find out if you have fossil fuel company investments? You can call and ask your financial advisor or investment company. If they don't know or aren't sure, ask them to check and get back to you. Fossil Free Funds is a great search platform that looks at the climate impact of popular mutual funds and shows you if your money is being invested in fossil fuel companies, or companies with high carbon footprints. You can use their step-by-step guide to learn the climate impact of your investment portfolio or find fossil free options. Knowledge is power!

2. Divest from fossil fuel companies. Invest in climate solutions.

Around the world, nearly 900 institutions from universities to pension funds worth over $6 trillion have committed to pull their money from coal, tar sands, oil, and gas companies because they no longer want to be investing in climate change. With the help of celebrities like Leonardo DiCaprio and Adrien Grenier, the global fossil fuel divestment movement has called attention to climate change and the need to move beyond fossil fuels, but as it turns out, it's also been doing a lot of good for investment portfolios. Industry and governments need to invest $90 trillion toward sustainable development over the next 15 years in order to keep to the Paris Climate Agreement, and that's a huge investment opportunity. The Clean200™ is a list of the 200 largest companies worldwide ranked by their total clean energy revenues, including revenue associated with energy efficiency themes. In the first year and a half since the Clean200 list was launched, Clean200 companies generated a total return of 32.1%. That's almost double the 15.7% return compared to its fossil fuel benchmark - the S&P 1200 Global Energy Index.

You can use Fossil Free Funds and the Clean200™ lists to find fossil free investment options or to start a conversation with your financial advisor about helping you choose investment options that cut climate change out of your investments. Green Century Funds offers fossil free mutual funds and has a helpful Guide to Fossil Fuel Free Investing and other resources to help you along your way to a fossil free future. If your 401(k) or employer-sponsored retirement company doesn't have fossil free options, ask them to add some! Millennials are leading the way on socially responsible investing and fundamentally transforming the way companies do business by demanding more ethical options, for our health and the health of the planet.

3. Switch your bank.

Many banks, like Chase and Bank of America, are providing finance for projects like the Dakota Access pipeline and tar sands development that are polluting our air and water, and ensuring decades of future carbon emissions from burning fossil fuels. As an alternative,you can open an account with a local credit union or community bank. You can often get the same services at a local bank that most bigger banks provide, plus local banks and credit unions do more to invest in their communities. On average, small and medium banks provide more than half of the lending to local small businesses in your town or city than big banks. So, when you visit your local health food store or bakery, chances are they got their start with a loan from a local bank. Green America has an easy 10-step guide to making the switch to a smaller bank and a directory to find an alternative near you!

Additional actions you can take:

Now that you have taken steps to get fossil fuel money out of your wallet, help us build a healthy, fossil free world. Join 350.org to bring the global movement to every city and town for a fast and just transition to renewable energy for all, stop and ban all new fossil fuel projects, and cut off the social license and finance for fossil fuels. Join (or start!) a campaign at www.gofossilfree.org

If you've read our pantry packaging materials article, you'll know that all packaging is not created equally. Traditional food packaging like plastic and cans can contain harmful chemicals like BPA, phthalates, or PFAS. That's why we recommend glass containers, cartons (like Tetra Paks), or paper whenever possible. And it's easier than you think to find pantry staples packaged in these materials!

Take beans, for example. Up until recently, you could basically only find beans in cans with BPA lining. Now they come in a wide variety of packaging, including Tetra Paks and glass jars! Our roundup features brands that are widely available; you'll have no problems finding these products in your local supermarket! And most of these brands carry many different kinds of beans! Jovial., for example, has organic chickpeas, cannellini, kidney, and borlotti beans in jars. Your pantry is about to get a major upgrade!

a) 365 Organic/Whole Foods

b) Jack's Quality

c) Inspired Organics

d) Randall

e) MaiaOrganic

f) Jovial


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Roundups

Non-Toxic Body Lotion Roundup

Stay moisturized without feeling sticky, slippery, or like you're covered in chemicals with these natural lotion options

Colder weather is coming, which means so is dry skin. Ugh! Usually we'd just grab whatever is on sale at the drugstore, but all body lotion is not created equal. In fact, traditional body lotions can contains some harmful chemicals that could be absorbed through your skin. Many lotions also contain petroleum products, which is something we also like to steer clear of. That's why we did the research and found you the best non-toxic body moisturizers and lotions that are well reviewed and readily available.

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Life

Your Summer Guide to Water Safety

How to Promote Fun and Prevent Drowning

Summer has arrived! Cue the backyard BBQs, ice cream sandwiches (or DIY popsicles), and Will Smith jams. During long, hot days, water activities are basically a necessity for creating fun memories and staying cool. Unfortunately, water-related accidents are a leading cause of injury and death for young children (4). So to keep things fun this summer, let's talk about drowning prevention.

Drowning happens in seconds and often quietly (1,3). Permanent disability can result even when drowning isn't fatal (3), since any prolonged oxygen disruption injures our brains. Though it can happen to anyone, drowning is the second most common cause of death for 1-4 year olds (3). Almost 90% of these incidents occur in home pools and hot tubs5,6 (and anything that collects water, even buckets, poses a risk) (3). To keep the children in your life safe and cool, here are 5 water safety tips as recommended by the American Academy of Pediatrics, CDC, National Safety Council, Pool Safely, and Red Cross.

1. Kids' water activities require close supervision at all times

Most drowning incidents occur unsupervised when adults briefly step away or become distracted (4). For this reason, children need vigilant supervision by a designated adult whenever they're around water (4). We can appreciate a relaxing poolside novel or margarita, but the responsible adult/Water Watcher (7) needs to be completely free of alcohol impairment and any distractions (not even Insta). Consider water supervision to be like your greatest Netflix binge – your attention is totally focused, and you don't want to miss a thing. For young children the guiding principle is "touch supervision"– being within arm's reach at all times (3). 5-9 year olds are more likely to drown at public pools (4), so designate a supervising adult even when lifeguards are present (3).

2. Modest safety measures make a massive difference

Physical safety measures are imperative, especially when delightfully curious and unintentionally stealthy toddlers attempt to swim without you! Installing the right type of fence can reduce drowning risk by over 80% – 4-sided pool fences (completely isolating the pool) are far more effective than 3-sided property line fences (3). The safest fences measure at least 4 feet high, prevent climbing, and have self-latching, self-closing gates (3,7). Door alarms and rigid pool covers are also preventive, though their effectiveness is less studied (1). Always check that the pool you use has intact anti-entrapment drain covers (mandated by federal law) to prevent suction-related accidents (7). For portable pools, check out this specific safety guidance.

3. Life jackets are way better than floaties

Sadly those super cute floaty wings aren't designed for safety, according to the CDC, and should not replace life jackets (3) (on the upside, this means less flimsy plastic!). Young children and inexperienced swimmers should wear a U.S. Coast Guard-approved life jacketwhenever near water (1,9). And, regardless of swimming ability, all children need USCG-approved life jackets if playing around lakes or the ocean (2). Life jackets are only effective if they fit well, so check the weight and size limits before using (9). Remember that nothing replaces close supervision! (To help start your life jacket search, we tracked down a more eco-friendly option.)

4. Teach children swimming and water safety

Learning to swim is crucial for water safety. We all benefit from learning how to swim, and swimming lessons can prevent drowning in 1-4 year olds (3). It's never too early (or too late!) to learn – YMCA and community centers often provide affordable lessons for all ages. (We get that communal activities are probably not your jam with the current Covid-19 situation, but, at some point, formal swim lessons could be a fun family activity.) Knowing how to swim does not make us "drown proof" though, so we still need to exercise caution with kids of any swimming ability (1). Teaching children not to climb over pool fences, swim without an adult, or play near pool drains is also crucial for preventing drowning incidents (7).

5. Assess surroundings and swimming ability

Being aware of location-specific water dangers and knowing a swimmer's ability can help discern which activities are safe. Every water activity presents an assortment of fun and risk. Case in point: sprinklers are a simple joy but also an understated toe hazard (been there…). Oceans, rivers, and lakes offer wilder adventure yet can even prove dangerous for expert swimmers – rip currents are an infamous threat in oceans, and lakes and rivers can have undertows (6). Older children and adolescents are more likely to drown in these natural bodies of water (3). Since alcohol can impair your ability to assess surroundings and react appropriately, avoid drinking while swimming or supervising others (7).

Prevention first, but CPR can still save lives

We hope you'll never ever need to use CPR...ever. Prevention with the above measures can massively reduce drowning risk for everyone, but CPR is invaluable during a drowning incident and can improve the likelihood of the drowning victim's survival (3). The American Heart Association provides in-person Family and Friends CPR courses, as well as socially distanced, at-home instruction with Family and Friends CPR DVD or Adult/Child CPR training kits (includes a training manikin and DVD – fun for the whole family!).

With safe water play, we know your summer days will be full of adventure and excitement. Have fun!


References

1. https://www.aappublications.org/news/2019/03/15/drowning031519

2. https://www.cdc.gov/safechild/drowning/

3. https://www.cdc.gov/HomeandRecreationalSafety/Water-Safety/waterinjuries-factsheet.html

4. https://www.cpsc.gov/s3fs-public/2020-Submersion-Report-4-29-20.pdf

5. https://www.cpsc.gov/s3fs-public/pdfs/blk_media_SafetyBarrierGuidelinesResPools.pdf

6. https://www.nsc.org/home-safety/tools-resources/seasonal-safety/drowning

7. https://www.poolsafely.gov/parents/safety-tips/

8.https://www.redcross.org/get-help/how-to-prepare-for-emergencies/types-of-emergencies/water-safety/drowning-prevention-and-facts.html

9.https://www.redcross.org/get-help/how-to-prepare-for-emergencies/types-of-emergencies/water-safety/swim-safety.html

Roundups

Non-Toxic Infant and Convertible Car Seats

Keep your little one safe and secure in flame retardant free and PFAS free car seats

Updated for 2020!

If there's only one thing you absolutely need before your baby is born, it's a car seat. Everything else on your registry (except maybe diapers) can come later! Car seats are an absolute necessity for keeping your little one safe while you're on the road, from the first car ride home and on. Most kiddos actually end up spending a lot more time in car seat other than just for rides. Many kids end up napping and snacking in them. Unfortunately, most car seats contain flame retardants and forever chemicals called PFAS (per- and polyfluoroalkyl substances.) The good news is that car seat makers can meet the required flammability safety standards without using chemical flame retardants and car seat covers can be removable and washable for when messes happen. There are great flame retardant free and PFAS free infant car seats and convertible car seats. We outline all the options and why they are important for you.

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Family

Non-Toxic Bassinets and Cosleepers

All well-reviewed and safe for your newborn to sleep in all night (or day) long

Updated for 2020!

*whispers* The baby's asleep! *silent celebrating* And, while the baby is snoozing away, you can actually eat some food and shower. While getting the baby to sleep can be a bit of a headache, figuring out where you will be gently laying them down in the first few months once they are asleep shouldn't be. So, we did all of the hair pulling research to narrow it down to a selection of 8 non-toxic bassinets and cosleepers that parents and experts agree are great options. Without further ado, here are the top picks.

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Roundups

Non-Toxic Baby Shampoo

Safe, gentle, and perfect for bath time

Updated for 2020!

Bath time is different in every household, but one this is the same - you gotta wash all that delicate baby hair without them throwing a fit or crying. It has to be gentle, but still strong enough to get any wild strained peas and mashed sweet potatoes out. Look no further. We reviewed all the databases and reviews to find the best baby shampoo options that are widely available, loved by parents and babies alike, and do their job without any harsh chemicals or exorbitant prices.

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Food

What's the Healthiest Sparkling Water?

We're hooked on flavored sparkling water.... But what are we really drinking?

Let's be real: sometimes we reach for sparkling water to make everyday life feel just a little bit swankier. We also do it for our health. For those of us who struggle with drinking enough water, it's refreshing bubbles and flavors are an enjoyable incentive to hydrate. And since sweetened beverages, like traditional sodas, contribute to chronic conditions like diabetes (1), sparkling water offers a satisfying CDC-recommended substitute for sugary drinks (2). Sparkling water is basically H2O with jazz hands, so there's no way it can be bad, right? As it turns out, there are a few things to watch out for. We're diving deep with sparkling water to help support your health and environment (and your bubble habit).

Let's Talk About Natural and Artificial Flavors...

You've probably seen common ingredients like fruit juice, natural flavors, or artificial flavors in your favorite fizzy water brands. Fruit juice is pretty self-explanatory, but what do we know about the rest?

Natural flavors. According to the FDA, a natural flavor must come from non-synthetic source, such as spices, fruits or vegetables (3). However, the rest of the solution carrying the flavor may still contain synthetic additives as preservatives or solvents (which just means substances used to dissolve other things). These additives like propylene glycol are considered "Generally Recognized as Safe" by the FDA, and some like ethyl formate form naturally in plants (5). But safety studies are ongoing for some of these approved chemicals. For example, recent research has shown methyl paraben acts as an endocrine disruptor in mice and contributes to obesity (6). Organic products have higher standards for natural flavors – the National Organic Program only allows natural flavors if "not produced using synthetic solvents and carrier systems or any artificial preservatives" (7). Organic flavors must be used in organic products if commercially available (7) and comply with USDA organic regulations – including that 95% of the flavor must be certified organic (8).

Artificial flavors. Yep, you guessed it – unlike natural flavors, artificial flavors need not derive directly from natural sources like those listed above (3). Instead they are chemically synthesized. This doesn't actually mean that the main flavor's chemical structure differs from that of the natural flavor. As University of Minnesota food science professor Gary Reineccius explains, "there is little substantive difference in the chemical compositions of natural and artificial flavorings…the distinction in flavorings comes from the source of these identical chemicals" (9). But the kicker again comes from the additional synthetic chemicals allowed to accompany the flavor. Some of these originally occur in nature (such as butyl phenylacetate, found in fruits), while others are totally synthetic and potentially problematic (like phenylethyl benzoate, which is "toxic to aquatic life with long lasting effects.")

Bonus round: what is "naturally essenced"? This is its own category used in particular by LaCroix products. Its true meaning is still unknown, as LaCroix has not disclosed this information publicly. What we do know, according to their website, is that "all LaCroix flavors are derived from the natural essence oils extracted from the named fruit...there are no sugars or artificial ingredients." Furthermore, Business Insider clarifies that "essence is created by heating items such as fruit and vegetable skins, rinds, and remnants at high temperatures, producing vapors. These vapors are condensed and then sold by the barrel."

Bottom line: though natural and artificial flavors are chemically similar, they both come with long lists of potential additives that may be detrimental to our health and environment . When in doubt, stick with what you know is good – like real fruit juice – or opt for brands with organic ingredients and flavors.

How to Sparkle from the Inside Out

Sparkling water containers matter just as much for our health and environment as the inside ingredients. The lining of aluminium cans contain BPA and similar chemicals that are known endocrine disruptors with the potential to cause hormonal and reproductive harm. While these chemicals are less likely to leach into beverages like sparkling water than more acidic beverages, we don't like to make a habit of drinking from cans. Sparkling water beverages also often come in plastic. Microplastics can also end up with your bubbles – a study in 2018 showed that microplastics contaminated 93% of plastic water bottles (10). The research world is still seeking to understand the health implications of microplastics, but given what we already know, we say it's better to play it safe and avoid plastic bottles as much as possible in the meantime. Reducing plastic use is even more important for environmental health now that international governments have stopped buying recycling products from the US (cities in the US are throwing away formerly recyclable types of plastic because they can't afford to recycle, as reported by The Atlantic). Your choice of carbonated beverage is that much better for our health and environment when it doesn't come with plastic!

Simple Solutions for Keeping Your Sparkle Alive

1) Choose glass over plastic containers if buying carbonated beverages from the store

2) Check out the ingredients of your current brands and *gasp* consider trying a new one (we know you're dying for a new pandemic adventure). Try brands with fruit juice flavoring (Iike Spindrift) or organic natural flavors to be extra safe in avoiding sneaky synthetic additives.

3) Consider DIY! You can easily make your own sparkling water at home and have total control over what goes in it, including water quality and flavor choice. SodaStream's Aqua Fizz water carbonating machine uses glass bottles. Or if you're on a budget, consider a more basic model and transfer your newly carbonated water over to glass carafes for storage, or just quickly consume it (not a problem for us!). They also have organic flavoring options and a carbon dioxide cylinder exchange program to reduce waste. You could also experiment with adding your own fruit juice flavor concoctions – the possibilities are endless.

Stay fizzy, my friends.


Resources:

(1)https://www.cdc.gov/nutrition/data-statistics/sugar-sweetened-beverages-intake.html

(2)https://www.cdc.gov/healthyweight/healthy_eating/drinks.html

(3)https://www.ecfr.gov/cgi-bin/text-idx?SID=20a79c9179f3c43d5b514f5f13c06d7b&mc=true&node=se21.2.101_122&rgn=div8

(4)https://www.ecfr.gov/cgi-bin/text-idx?SID=c3057692e430edc601fcb3e3352fed1c&mc=true&tpl=/ecfrbrowse/Title21/21cfr184_main_02.tpl

(5)https://www.ecfr.gov/cgi-bin/text-idx?SID=e5c407d421f852bcf58b25fd5c700a4d&mc=true&node=se21.3.184_11295&rgn=div8

(6) https://link.springer.com/content/pdf/10.1007/s13679-017-0240-4.pdf

(7)https://ota.com/sites/default/files/indexed_files/OrganicFlavorsPracticalGuidance_OrganicTradeAssociation.pdf

(8)https://www.qai-inc.com/media/docs/qai_guide_for_natural_flavors_in_organic_products.pdf

(9) https://www.scientificamerican.com/article/what-is-the-difference-be-2002-07-29/

(10)https://www.ncbi.nlm.nih.gov/pmc/articles/PMC6141690/

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