GRITC helper - Exin Green IT Citizen (GRITC) Updated: 2024
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GRITC Exin Green IT Citizen (GRITC)
Your company operates a decentralized purchasing model for computer equipment. Individual departments or groups
make their own selections as long as they stay within budget.
What is the best way to influence decisions towards a greener workplace when purchasing computer equipment?
A. Arrange a meeting with the IT department to show them a list of green vendors.
B. Establish centralized purchasing so that the company as a whole goes green.
C. Focus on education and persuasion of the individual departments or groups to ensure greener purchasing.
Answer: C
Question: 2
What does the Electronic Products Environmental Assessment Tool (EPEAT) do?
A. It aligns company policies to national legislation with regards to environmental waste reduction.
B. It rates IT products based on their compliance with the IEEE 1680 standard.
C. It submits a plan for replacing old computers with more efficient computers.
Answer: B
Question: 3
What is a main source of power costs for e-mail?
A. memorizing e-mail
B. Saving e-mail
C. Sending e-mail
Answer: B
Question: 4
You want to buy equipment made from materials that are easy to recycle.Is aluminum easy to recycle?
A. Yes
B. No
Answer: A
Question: 5
What are carbon offsets?
A. Certificates that represent the payment for some activity that reduces greenhouse gas emissions.
B. Natural gases produced by rainforests which work against the formation of carbon dioxide (CO2).
C. Power generating installations based on natural sources of energy, such as solar panels and windmills.
Answer: A
$13$10
Question: 6
What is the description of Global climate change?
A. Exhaust fumes from daily traffic are contributing to a decrease in air quality that is slowly deteriorating the number
of harvestable foods on Earth.
B. Human activity is contributing to a buildup of greenhouse gases in Earth's atmosphere that is slowly increasing the
average temperature near Earth's surface.
C. IT industry waste is contributing to a buildup of CO2 in the Earth's ground that is quickly increasing the average
temperature of Earth's surface.
Answer: B
Question: 7
What does sustainable development mean?
A. To create a balance between the demand for timber and the maintenance of the health and biodiversity of the forests
B. To make use of renewable energy in order to reduce greenhouse gas effects
C. To meet the needs of the present without compromising the ability of the future generations to meet their own needs
Answer: C
Question: 8
What does sustainability as a corporate philosophy, value, and goal do for a company?
A. Earns the company a Green IT certificate
B. Energizes and inspires a company
C. Guarantees a positive end of year financial result
Answer: B
Question: 9
What is an acknowledged advantage of telecommuting?
A. It helps to reduce carbon emissions.
B. Remote meetings are more productive.
C. Work gets done more easily.
Answer: A
Question: 10
Next to the printer's specifications, what would be of importance when selecting a greener printer?
A. A printer duty cycle comparable the printing needs of your office
B. A printer duty cycle higher than the printing needs of your office
C. A printer duty cycle lower than the printing needs of your office
Answer: A
$13$10
Fact-checking journalism is the heart of PolitiFact. Our core principles are independence, transparency, fairness, thorough reporting and clear writing. The reason we publish is to provide citizens the information they need to govern themselves in a democracy.
Plankton are tiny organisms that drift around in the ocean. They aren’t just whale food — they are responsible for fixing up to 50% of the world’s carbon dioxide. That, along with their position as the base of many important food chains, makes them interesting to science. Unfortunately, they are tiny and the ocean is huge. Enter Planktoscope. Billed as “an affordable modular quantitative imaging platform for citizen oceanography,” the device is a software-controlled microscope with the ability to deal with samples flowing through.
The software is in Python and uses existing libraries for user interface, image processing, and other tasks. The computing hardware is in the form of a Raspberry Pi. There are actually two prototypes of PlanktoScope available.
Continue memorizing “Who Needs Sea Monkeys? Get PlanktoScope”
Updated 3:14 a.m. UTC Jan. 2, 2024
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Citizens Bank offers online-only CDs with term lengths on the shorter side, ranging between six months and five years. That makes sense given the Federal Reserve’s spate of interest rate hikes to moderate inflation, but still means savers need to consider alternatives if you’re looking for a long-term savings product.
Annual percentage yields (APYs) and account details are accurate as of December 21, 2023 and represent the zip code 33301.
Overview of Citizens Bank CDs
Citizens Bank focuses on online CDs with short to medium term lengths. Here are some of the choices currently available:
- The High-Yield CD lasts one year and offers a promotional rate of 5.50% APY. It comes with a $5,000 minimum deposit and you can choose between cashing out your monthly interest or reinvesting it to boost your account earnings.
- The 10-Month Online CD from Citizens Bank requires a $5,000 minimum opening deposit that must be new money deposited into the bank. Balances earn 5.50% APY, which is about one percentage point lower than the best CD rates available right now.
- The 14-Month Online CD offers a lower rate of just 2.75% APY. Some of the best one-year CD rates go as high as 5.61% APY. On the plus side, the minimum deposit to open this account is just $1,000.
You can also open CDs in one-year increments up to five years. The five-year Online CD currently has a 3.45% APY. If you have enough savings to meet the minimum deposit requirements, you could open one of each to create a CD ladder. This gives you a bit more flexibility because you’ll have one CD maturing each year so you can choose whether to cash it out or reinvest to continue the CD ladder.
How much can you earn with a Citizen Bank CD
Here’s how much you can earn on a $10,000 CD given the APY and term length.
How Citizens Bank CD rates compare
Citizens Bank CD rates are higher than most banks when looking at the national average. However, there are better options available at other banks and credit unions, especially if you want to lock in your funds for a longer period of time. Many financial institutions offer APYs above 5.00% for terms of a year or longer. You may also find competitive rates with lower opening deposit requirements.
One drawback is that Citizens Bank doesn’t offer any jumbo CD options, so you won’t get a higher rate for depositing a larger sum of cash. The available CDs also come with early withdrawal penalties. Check out the best no-penalty CDs if you need some more flexibility as to when you take the cash out of your account.
The other disadvantage is that Citizens Bank only offers CD terms up to five years. That makes it difficult to lock in higher rates for a longer period of time, which you may want to do if you think rates will decline in the months to come. To find a CD with longer terms, check out the best 10-year CD rates.
How to open a Citizens Bank CD
The application process is entirely online. In order to apply, you must be at least 18 years old and will need to provide a Social Security Number and your driver’s licence. Also be ready to fund your CD with an opening deposit, either through a bank transfer or a debit card.
Alternatives to CDs at Citizens Bank
Another option for storing your money at Citizens Bank is through a money market account (MMA). There are three MMAs available. The first is a Personal Money Market, which doesn’t come with a minimum deposit amount, but does charge a monthly maintenance fee of $10 if you don’t maintain a daily balance of at least $2,500 to waive the fee. The current APY is just 0.01%.
The Citizens Quest® Money Market Account is available to those who have a Citizens Quest Checking Account. There’s no minimum deposit amount and no monthly fee. Standard rates range from 0.07% to 1.50% APY, depending on your balance. You may also qualify for a promotional preferred rate that goes as high as 2.75% APY with a minimum balance of $25,000.
The final option is the Citizens Private Client™ Money Market. This is available to those with a Private Client Checking Account, which requires at least $200,000 in combined deposits and investments with the bank to qualify. For those who meet that requirement, the maximum money market promotional preferred rate is 3.00% APY and you’ll need a minimum balance of $25,000 to access that rate.
In addition to the money market accounts, you can also open an online-only high-yield savings account. The Citizens Access® Savings account comes with no fees and earns 4.50% APY.
Frequently asked questions (FAQs)
Citizens Bank CD rates range from 0.05% to 5.50% APY, depending on the term length you choose.
The highest paying CD at Citizens Bank is the high-yield CD with a 1-year term. You’ll lock in at a rate of 5.50% APY for that period of time. Then you can either close the account and withdraw the funds or renew the CD for the current rate at that time.
Citizens Bank has branch locations in 14 states, plus the District of Columbia. However, you can access their online-only accounts from anywhere in the U.S., which includes their CD options.
Yes, Citizens Bank offers online-only CDs as well as an online-only high-yield savings account. Use a CD calculator to estimate how much your balance could earn in different types of savings accounts.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
TALLAHASSEE — Saying the state’s Citizens Property Insurance Corp. has “never sought a federal bailout, period,” Citizens President and CEO Tim Cerio on Wednesday took issue with a U.S. Senate Budget Committee request for information about the insurer’s finances.
He was reacting to a letter from committee Chairman Sheldon Whitehouse, D-R.I., who raised questions about whether Citizens could have to seek a federal bailout if Florida gets hit with a major hurricane.
Cerio, speaking to the Citizens Board of Governors, said the letter could cause “unwarranted panic” among Citizens policyholders and Floridians.
“I cannot over-emphasize that the assumptions in the Budget Committee’s letter suggest a fundamental misunderstanding of how Citizens Property Insurance operates, and it under-estimates our claims-paying ability,” Cerio said. “And I’m speaking now, and I need to speak to our policyholders so they hear this, Citizens is structured so it will always be able to protect its policyholders and pay claims.”
Cerio said Citizens has reserves and purchases reinsurance to help pay claims. Reinsurance is essentially backup coverage. If reserves and reinsurance become depleted, Citizens has the authority to collect surcharges from its policyholders and assessments from policyholders across the state — including those who are not Citizens customers — to pay claims.
“At no time in Citizens’ history has it sought a federal bailout to pay its hurricane-loss claims, including after the catastrophic 2004 and 2005 hurricane seasons,” Cerio said.
Citizens was created as an insurer of last resort but has grown during the past three years to become, by far, the largest property insurer in the state. That growth has occurred as private carriers have dropped customers and raised rates because of financial problems in the industry.
Whitehouse’s letter, sent Thursday to Cerio, Gov. Ron DeSantis and state Insurance Commissioner Michael Yaworsky, requested information about issues such as models showing Citizens’ potential financial exposure to “worst case hurricane scenarios” and models about Citizens’ ability to pay claims.
The letter cited Citizens’ massive growth in accurate years and said the committee was seeking information about “plans to address increased underwriting losses from climate-related extreme weather events and other disasters such as tropical cyclones, intense precipitation events, droughts, heatwaves, sea level rise, and wildfires.”
“If Citizens were unable to cover its losses, it is entirely possible that state leaders might ask the federal government for a bailout,” Whitehouse’s letter said. “Given the potential magnitude of Citizens’ losses, such a request would put the federal government (and by extension, all American taxpayers) at substantial risk.”
Whitehouse’s letter requested that Citizens provide information to the Senate committee by Dec. 21. Cerio said Citizens is preparing a response to the letter.
As an example of Citizens’ exposure to hurricane risks, it has had $3.6 billion in losses and what are known as “loss adjustment expenses” from Hurricane Ian, which hit Southwest Florida in September 2022 and crossed the state, according to information presented Tuesday to the Board of Governors’ Audit Committee. Reinsurance covered nearly $1.04 billion of those costs. Citizens did not have to use surcharges or assessments to pay claims.
Citizens had 1.26 million policies as of Friday. By comparison, it had 532,788 policies on Nov. 30, 2020; 741,420 policies on Nov. 30, 2021; and 1.126 million policies on Nov. 30, 2022, according to data posted on the Citizens website.
Citizens Bank offers three savings accounts for its customers, but you can likely find better options on the market. The advertised yields on these accounts are all less than the national average and two of its options require you to to jump through hoops to avoid a monthly service fee.
Annual percentage yields (APYs) and account details are accurate as of January 4, 2024.
Are Citizens Bank savings account interest rates worth it?
In short, no, Citizens Bank doesn’t offer competitive interest rates for its savings accounts.
The national average savings account yield was 0.46% APY, as of December 18, 2023, according to the Federal Deposit Insurance Corporation (FDIC) and the best high-yield savings rates currently top 5.00% APY. The highest savings account interest rate advertised at Citizens is 0.07% APY on the Citizens Quest® Savings account.
If your primary goal is working with a bank that offers high savings rates, this one won’t help you meet that target.
Overview of Citizens Bank interest rates
Citizens Bank offers three savings accounts, all with low yields.
One Deposit Savings from Citizens. You can open this basic savings account with any amount of money, but in order to avoid the $4.99 monthly fee, you’ll need to either make one deposit a month or maintain a balance of at least $200. If you’re under 25 or older than 65, this fee is automatically waived.
Citizens Quest Savings. While there’s no minimum deposit requirement and no monthly maintenance fee, you must open a Citizens Quest Checking account to have a Citizens Quest Savings account. The paired checking account has a $25 monthly service fee, which can be waived only if you make $5,000 in deposits each month or maintain a balance of $25,000 across your Citizens deposit and investment accounts.
The payoff is that you don’t pay anything for a slew of account services, including money orders, paper statements, foreign currency exchange and more. Plus, you’re enrolled in the loyalty program CitizensPlus, which provides higher yields, loan discounts and up to $1,000 in investment matching.
This account could be worth it, depending on how you bank, but be sure to understand the small print. The yield of 0.07% APY, while higher than 0.01% APY, isn’t something that you would stand up and applaud for.
Citizens Private Client Savings. Like the Quest accounts, the emphasis here is on the paired checking account. To qualify for both, you’ll need to maintain at least $200,000 in deposit and investment balances. You receive all the same benefits as Citizens Quest Savings, plus refunded ATM fees and potentially greater loyalty rewards.
The interest on this savings account is only advertised as at least 50% greater than what the One Deposit account offers, which would put the yield at 0.015% APY, however the paired checking account offers 0.07% APY on all balances.
How much can you earn?
At Citizens, interest compounds daily and is paid monthly. There isn’t a tiered system, so you’ll earn the same APY whether you have $1 or $1 million in your savings account.
How Citizens Bank compares
It doesn’t take much sleuthing to find better high-yielding and no-fee savings accounts on the market.
Other savings options at Citizens Bank
There are some better savings options to consider, including two certificates of deposit (CDs).
The 10-month option for the Citizens Bank Online CD comes with a 5.50% APY, which is on par with the best CD rates available today. The catch is that you’ll need $25,000 in new money to open it. The 14-month CD is more accessible with just a $1,000 minimum deposit, but it comes with a much less competitive rate of 2.75% APY.
There are also three money market accounts (MMAs): Citizens Bank Personal Money Market Account, Citizens Quest® Money Market, Citizens Private Client™ Money Market. These are available with rates starting at 0.01% APY for the Personal MMA account and going up to 3.00% APY (preferred rate) for Private Client customers.
About Citizens Bank
Citizens Bank is the 14th largest bank in the nation by assets and offers a full suite of banking services to individuals, small businesses and corporations. Whether you’re looking to open a deposit account, a credit card or a mortgage, or get help with investing and wealth management, you can find multiple options here.
Currently, Citizens Bank has 1,100 branch locations across 14 states. It serves New England, the Mid-Atlantic, and the Midwest.
Frequently asked questions (FAQs)
Citizens Bank offers three savings accounts, each with different APYs. One Deposit Savings from Citizens comes with a 0.01% APY, and Citizens Quest® Savings 0.07% APY. The APY for Citizens Private Client Savings is not disclosed online.
No, not when it’s compared to other banks. It’s possible to find a high-yield savings account over 5.00% APY these days.
Citizens Bank saving accounts earn interest that compounds daily and is paid monthly.
Citizens Bank doesn’t offer a 12-month CD. Its 10-month CD offers a 5.50% APY, but it requires a $25,000 minimum balance. Its 14 month CD offers a 2.75% APY, with just a $1,000 minimum balance.
Since our founding, the Smithsonian has relied on the talents and dedication of Citizen Scientists. James Smithson was a "gentleman-chemist," and our first Secretary, acclaimed scientist Joseph Henry, recruited volunteers to submit daily weather reports by telegraph, thus laying the groundwork for the National Weather Service. Today, Smithsonian researchers enlist volunteers for an array of tasks, both onsite and online. Depending on your interests, you can help sustain species around the globe and even solve mysteries of the planets and stars!
Smithsonian Transcription Center
Join our distinguished corps of Digital Volunteers and make the Smithsonian's vast scientific collections accessible for research and education. Our award-winning online platform offers opportunities for enthusiasts to transcribe critical data contained in specimen collection records and transcribe full text of field books and other archival materials significant to the history of science. Whether you're fascinated with botany or astronomy or the experience of women in science, you'll find meaningful projects on the Transcription Center.
eMammal
Place “camera traps” in your community to assist researchers in answering questions about mammal distribution and abundance. The eMammal program is managed by a consortium of research organizations including the Smithsonian, North Carolina Museum of Natural Sciences, and North Carolina State University. Professional and volunteer camera trappers use eMammal software to view pictures, identify animals, and upload images to the Smithsonian Data Repository for review and storage.
Fossil Atmospheres
Contribute to climate research by collecting samples from ginkgo trees, or help us collect data from microscope images to learn about the ancient atmosphere of the Earth. Ginkgos evolved before the dinosaurs, survived three mass extinctions, and one species is still living today. Join us in researching how the cells of leaves on these trees have changed over time and how we can use this knowledge to learn about past atmospheres.
Leafsnap
Leafsnap is an electronic field guide that helps you learn about tree species and contribute to biodiversity research. Developed by researchers at Columbia University, the University of Maryland, and the Smithsonian, the free mobile app uses visual recognition software to identify tree species from high-resolution photographs of leaves. Leafsnap users automatically share images, species identifications, and geo-coded stamps of species locations with a community of scientists who use the data to map and monitor the ebb and flow of flora.
Neighborhood Nestwatch
Be a biologist in your own backyard! Neighborhood Nestwatch participants help answer questions related to the survival of bird populations. Launched in 2000 at the Smithsonian Conservation Biology Institute's Migratory Bird Center, the Nestwatch program focuses on the impact of rapid development on wildlife. Each backyard becomes both a research site and an outdoor classroom.
Opportunities on the Chesapeake Bay
The Smithsonian Environmental Research Center (SERC) located in Edgewater, Maryland, is dedicated to understanding ecosystems to ensure a sustainable future. Volunteers of all ages work with researchers to investigate courses such as environmental archaeology, forest biodiversity, invasive species distribution, and water quality. SERC Citizen Scientists become partners in discovery, helping researchers gather information on a much larger scale than would otherwise be possible.
Virginia Working Landscapes
Virginia Working Landscapes is an initiative of the Smithsonian Conservation Biology Institute, headquartered in Front Royal, VA. The program promotes conservation of native biodiversity and sustainable land use through research, education, and community engagement. Citizen Scientists are trained to monitor birds, plants, pollinators, salamanders, mammals and other wildlife throughout 15 counties in Northern Virginia.
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