[Fox News] Is the East Coast on the brink of a major earthquake — and are we prepared?

The earthquake that struck the East Coast earlier this month was felt by an estimated 42 million people and luckily caused little damage, but what are the chances of a bigger, more powerful quake striking the area? And if it does, what could it look like — and are we prepared?

The April 5 phenomenon was a 4.8 magnitude earthquake centered near Whitehouse Station in New Jersey, which is about 40 miles west of New York City.

Shaking was felt from Washington D.C. to Maine, according to the U.S. Geological Survey (USGS), and it followed a much smaller, 1.7 magnitude earthquake in New York City on Jan. 2

Earthquakes are rare along the East Coast, with the most powerful one in the last 100 years hitting in August 2011, clocking 5.8 on the Richter scale. It was centered in Virginia and felt from Washington, D.C. to Boston.

4.8 MAGNITUDE EARTHQUAKE STRIKES NEW JERSEY, SHAKING BUILDINGS IN SURROUNDING STATES

Before that, an earthquake in South Carolina in 1886 is understood to have measured between 6.6 and 7.3 on the Richter scale. There is no definitive measurement of that quake since the Richter scale has only been around since the mid-1930s, but the tectonic shift still killed 60 people.

Professor John Ebel, a seismologist in the Department of Earth and Environmental Sciences at Boston College, tells Fox News Digital that when quakes start breaking 5.0 on the Richter scale, damage begins to occur. 

For instance, the devastating earthquake that hit Turkey and Syria last year measured 7.8 and resulted in the death of nearly 62,000 people as tens of thousands of buildings were either destroyed or severely damaged.

California’s Loma Prieta earthquake in 1989, meanwhile, measured 6.9 and caused 69 deaths, and the 1994 Northridge earthquake in the Golden State clocked 6.7, killing 57 people. Thousands more were injured. 

“As you go above magnitude five, the shaking becomes stronger and the area over which the strong shaking is experienced becomes wider,” Ebel says. “So if you get a magnitude six, the shaking is ten times stronger than a magnitude five. So had this month’s earthquake been a 5.8, rather than a 4.8, then we would be looking at damage to unreinforced structures in the greater New York City area.”

“Now I have to qualify this and say that in the past few decades, New York City has had an earthquake provision in its building code while New Jersey, New York and Connecticut have all adopted some version of earthquake provisions in their building codes,” Ebel explained. “So modern buildings that are put up today will actually do quite well, even in strong earthquake shaking… If you have a magnitude 6 or even a magnitude seven.”

In terms of the Tri-state area, Ebel says that the region has had smaller earthquakes, but it’s been spared anything that’s been significantly damaging.

An 1884 quake in Brooklyn did cause limited damage and injuries. Seismologists estimated it would have measured in the region of 5.0 and 5.2, while a quake jolted Massachusetts in 1775 in the region of 6.0 and 6.3.

WHAT TO DO DURING AN EARTHQUAKE AND HOW TO PREPARE

“In 1884 there were things knocked from shelves, some cracks in walls that were reported, particularly plaster walls, which crack very easily if a building is shaken,” Ebel said. “There were some brick walls that had some cracks and people panicked because of the very strong shaking.”

A magnitude five earthquake hits the tri-state area once every 120 years, says Ebel, who penned the book “New England Earthquakes: The Surprising History of Seismic Activity in the Northeast.”

“The question is, can we have something bigger? And in my opinion, yes we can,” he said. “We can’t predict earthquakes, and we don’t know when the next one is going to occur, but we do have a low, not insignificant probability of a damaging earthquake at some point.”

Ebel said that the April 5 earthquake has left seismologists baffled since it didn’t occur on the Ramapo Fault zone, highlighting just how hard it is to predict the phenomenon from occurring. The Ramapo Fault zone is a series of small fault lines that runs through New York, New Jersey and Pennsylvania. Spanning more than 185 miles, it was formed about 200 million years ago.

“Right now it’s a seismological mystery,” Ebel said. “We have some earthquakes in our region where we don’t have faults mapped. But that’s even true in California. Not every earthquake occurs on a known or mapped fault in California, so there are still a lot of seismologists have to learn about the exact relationship between old faults and modern earthquakes.”

Ebel noted that buildings aren’t the only thing to consider when earthquakes strike. In the California quakes, overpasses crumbled while the electrical grid can go down too, causing electrical surges and fires.  

Toxic chemicals were knocked off of the shelves of a chemistry building in 1989 and the building had to be evacuated, Ebel said. 

“And you think about hospitals and some industrial facilities having that situation,” he explained. “So you have these things that are not catastrophic necessarily, but are going to be a real problem.”

And an earthquake doesn’t necessarily have to rattle land in order to cause destruction.

A jolt out at sea could trigger a dangerous tsunami, like the one on the edge of the Grand Banks of Newfoundland in Canada in 1929. It was felt as far away as New York City.

Waves as high as 23 feet crashed on the shore, according to the International Tsunami Information Center, with up to 28 people losing their lives. 

“A tsunami is not necessarily a very high probability event, but it’s one that we have to think about also,” Ebel says in relation to the East Coast.

The Fukushima nuclear accident in 2011 was triggered by an earthquake and subsequent tsunami.

Ebel says a tsunami similar to 1929 could cause a storm surge along the lines of Hurricane Sandy in 2012, where 43 people died in New York City. 

“The threat of an earthquake is not as great as in California, but it’s something that we have to take into account and have emergency plans for and have building codes for,” Ebel says. “Our state and local emergency management agencies in all the northeastern states do earthquake planning — what we call tabletop exercises — where they pretend an earthquake occurs.”

“So those kinds of preparations are made on a regular basis,” he concludes. “Building codes are constantly being reevaluated and approved, not just for earthquakes, but for fires and chemical spills and all kinds of things. So we’re getting more prepared all the time.”

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[Fox News] Get a handle on your time: Google Calendar tips and tricks

Before we get into it, I’ll acknowledge what you may be thinking: Using Calendar means handing over even more info to Google.

Win an iPhone 15 worth $799! I’m giving it to one person who tries my free daily tech newsletter. Sign up here while you’re thinking about it.

SEE WHAT THE HOME YOU GREW UP IN LOOKS LIKE NOW AND OTHER MAPS TRICKS

Sure, but here’s my take: For the sake of convenience, most of us choose a Big Tech company or two that we’re OK sharing a lot with. If you use Gmail and Google Maps, adding Calendar to the mix won’t make much difference in terms of privacy.

Here are some ideas to get the most out of it

Spoiler: A lot more than just meetings and dentist appointments. And yes, you can definitely use you preferred calendar app for all these things too, if Google isn’t your thing.

Let’s get to the tricks

FIX AUTOCORRECT IF IT’S DRIVING YOU DUCKING CRAZY

A little know-how goes a long way in getting more out of your everyday software.

Know when people are free: I use this daily at work. Put your cursor in the box labeled Search for people under the Meet with heading. Everybody in your organization should be searchable here, so no more setting meetings no one can attend. You can also create a new meeting, add guests and click Find a time under the date to see the attendees’ availability side by side!

WATCH OUT FOR THE NEW ‘GHOST HACKERS’

Automatically share meeting minutes: In your meeting details, click Create meeting notes under the event description to generate a Google Doc that automatically gets shared with attendees. It includes a built-in outline with the meeting date, attendees, notes and action items. Pro tip: Attach additional notes, docs, slides or whatever else to the meeting so no one’s looking around for them later!

Never miss a beat: When setting an appointment, simply click Add Notification. Choose how long before the event you’d like to be reminded. Boom! Whether it’s 10 minutes or a day in advance, Google Calendar’s got your back. No more oops moments.

You know I have more amazing tips up my sleeve. Get more Google Cal secrets.

Get tech-smarter on your schedule

Award-winning host Kim Komando is your secret weapon for navigating tech.

Copyright 2024, WestStar Multimedia Entertainment. All rights reserved. 

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[Fox Business] This week’s personal loan rates fall for 3- and 5-year terms

Borrowers with good credit seeking personal loans during the past seven days prequalified for rates that were lower for 3- and 5-year loans when compared to fixed-rate loans for the seven days before.

For borrowers with credit scores of 720 or higher who used the Credible marketplace to select a lender between April 18 and April 24:

Personal loans have become a popular way to consolidate debt and pay off credit card debt and other loans. They can also be used to cover unexpected and emergency expenses like medical bills, take care of a major purchase, or fund home improvement projects.

Average personal loan interest rates decreased over the last seven days for 3- and 5-year loans. While 3-year loan rates fell by 0.36 percentage points, rates on 5-year loans edged down by 0.18 percentage points. Interest rates for both terms remain significantly higher than they were this time last year, up 1.51 percentage points for 3-year terms and up 3.37 percentage points for 5-year terms.

Still, borrowers can take advantage of interest savings with a 3- or 5-year personal loan, as both loan terms offer lower interest rates on average than higher-cost borrowing options such as credit cards. 

But whether a personal loan is right for you depends on multiple factors, including what rate you can qualify for, which is largely based on your credit score. Comparing multiple lenders and their rates helps ensure you get the best personal loan for your needs. 

Before applying for a personal loan, use a personal loan marketplace like Credible to comparison shop.

Here are the latest trends in personal loan interest rates from the Credible marketplace, updated weekly.

The chart above shows average prequalified rates for borrowers with credit scores of 720 or higher who used the Credible marketplace to select a lender. 

For the month of March 2024:

Rates on personal loans vary considerably by credit score and loan term. If you’re curious about what kind of personal loan rates you may qualify for, you can use an online tool like Credible to compare options from different private lenders.

All Credible marketplace lenders offer fixed-rate loans at competitive rates. Because lenders use different methods to evaluate borrowers, it’s a good idea to request personal loan rates from multiple lenders so you can compare your options.

In March, the average prequalified rate selected by borrowers was: 

Depending on factors such as your credit score, which type of personal loan you’re seeking and the loan repayment term, the interest rate can differ. 

As shown in the chart above, a good credit score can mean a lower interest rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms. 

Many factors influence the interest rate a lender might offer you on a personal loan. But you can take some steps to boost your chances of getting a lower interest rate. Here are some tactics to try.

Generally, people with higher credit scores qualify for lower interest rates. Steps that can help you improve your credit score over time include:

Personal loan repayment terms can vary from one to several years. Generally, shorter terms come with lower interest rates, since the lender’s money is at risk for a shorter period of time.

If your financial situation allows, applying for a shorter term could help you score a lower interest rate. Keep in mind the shorter term doesn’t just benefit the lender – by choosing a shorter repayment term, you’ll pay less interest over the life of the loan.

You may be familiar with the concept of a cosigner if you have student loans. If your credit isn’t good enough to qualify for the best personal loan interest rates, finding a cosigner with good credit could help you secure a lower interest rate.

Just remember, if you default on the loan, your cosigner will be on the hook to repay it. And cosigning for a loan could also affect their credit score.

Before applying for a personal loan, it’s a good idea to shop around and compare offers from several different lenders to get the lowest rates. Online lenders typically offer the most competitive rates – and can be quicker to disburse your loan than a brick-and-mortar establishment. 

But don’t worry, comparing rates and terms doesn’t have to be a time-consuming process.

Credible makes it easy. Just enter how much you want to borrow and you’ll be able to compare multiple lenders to choose the one that makes the most sense for you.

Credible is a multi-lender marketplace that empowers consumers to discover financial products that are the best fit for their unique circumstances. Credible’s integrations with leading lenders and credit bureaus allow consumers to quickly compare accurate, personalized loan options – without putting their personal information at risk or affecting their credit score. The Credible marketplace provides an unrivaled customer experience, as reflected by over 6,500 positive Trustpilot reviews and a TrustScore of 4.7/5.

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