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College students and loans seem to go hand in hand, and student loan debt is an ever increasing problem in the U.S.But it might surprise you what some college students are doing with any excess loan money they may have after paying for things like tuition, books, and housing.A study by the Student Loan Report found that approximately one out of every five students with loans have used loan money in some form to invest in cryptocurrencies—in other words, things like Bitcoin.But financial advisers caution that may not be the best decision.“My gut reaction,” said financial advisor Martin Walsh with Brown and Tedstrom, “is that it’s probably a bad idea.”Walsh said using borrowed dollars to invest in speculative assets, such as Bitcoin, would make him “very nervous.”Cryptocurrency is the formal word for a type of digital money that uses encryption to transfer funds, independently of a central bank.Walsh cautions:  “buyer beware.”“There’s been a ton of talk about cryptocurrency over the last year,” Walsh said, “mostly because of the massive run up in price.”Bitcoin — the biggest player in the Crypto game—saw prices for their “coins” at around ,000 in December. But fast forward two months to February and the price plummeted to ,000.Walsh has had clients ask about it mostly because “their friends have invested in them and have made money.”  But he says that as a general rule the firm he works for, Brown and Tedstrom, won’t advise clients to invest in cryptocurrency.“It seems fun and easy, and things have doubled, tripled, even quadrupled. But there’s incredible volatility in investing in bitcoin and other cryptocurrencies,” said Walsh.Paul Foley, a big supporter of the technology behind cryptocurrency, says he has invested “quite a bit” in Ethereum, another player in the cryptocurrency realm. He says anyone investing now should see this as a “10 to 15 year plan”—not a short term way to make money.“I plan on holding for a very long time,” said Foley.But even he says that the notion of using borrowed funds, i.e. student loans, to invest in speculative assets like Ethereum is “a terrible idea.”Both Foley and Walsh say anyone looking to invest in this emerging field needs to do their homework. They both believe that the more uneducated people there are who decide to jump in the market on a whim, the greater the chances of a “bubble” bursting, similar to the housing market crash of 2008. 2440

Conventions may at times seem like it's all about the confetti and speeches, but what Joe Biden and Kamala Harris want more than anything after this Democratic Convention is what's known as a "post-convention bounce." The phrase describes an increase in support in the polls immediately following a convention HISTORIC BOUNCESSince 1968, presidential campaigns have, on average, received a 5 percent increase in the polls following their conventions. Since 2004, convention bounces have been getting smaller, with the average being around 2 percent. WHY BIDEN MIGHT NOT GET A BIG BOUNCE"People have had a bit more time to evaluate the candidates already (and) maybe opinions are a little more locked," Professor Thomas Holbrook of the University of Wisconsin-Milwaukee said, commenting on the fact bounces have been tougher and tougher to get. Apart from recent history working against the Biden campaign, television ratings are down compared to four years ago. "There could be fewer persuadable voters," Holbrook added. There is also the fact President Donald Trump has his convention next week. WHAT THE CAMPAIGNS THINKBiden advisers aren't as concerned with the lower television ratings, saying more Americans are live streaming the convention on their laptops and cellphones than ever before. 1306

CLINTON TOWNSHIP, Michigan — Clinton Township Police confirm they are investigating after a hidden camera was discovered inside the women's changing area and bathroom at the Switch CrossFit on Morelli Drive.The hidden camera was found April 12. Police have identified a suspect and are in the process of securing a warrant for arrest Thursday.It is not known how many victims there are, and police say it is believed the suspect is an employee. Phones and computers have been recovered as part of an ongoing investigation. 535

CNN commentator and former Pennsylvania GOP Sen. Rick Santorum on Sunday suggested students protesting for gun control legislation would be better served by taking CPR classes and preparing for active shooter scenarios."How about kids instead of looking to someone else to solve their problem, do something about maybe taking CPR classes or trying to deal with situations that when there is a violent shooter that you can actually respond to that," Santorum said on CNN's "State of the Union."Santorum's comments came?a day after protesters assembled at March for Our Lives events in Washington and across the country to demand gun control legislation in the wake of the deadly school shooting in Parkland, Florida.Santorum dismissed the usefulness of "phony gun laws" and appeared to call on students and others to improve their communities and to prepare to respond to further shootings instead of calling for new laws."They took action to ask someone to pass a law," Santorum said. "They didn't take action to say, 'How do I, as an individual, deal with this problem? How am I going to do something about stopping bullying within my own community? What am I going to do to actually help respond to a shooter?'... Those are the kind of things where you can take it internally, and say, 'Here's how I'm going to deal with this. Here's how I'm going to help the situation,' instead of going and protesting and saying, 'Oh, someone else needs to pass a law to protect me.'"Van Jones, a liberal CNN commentator, interjected and mentioned his own child was about to start high school."I want him focused on algebra and other stuff," Jones said. "If his main way to survive high school is learning CPR so when his friends get shot ... that to me, we've gone too far. I'm proud of these kids. I know you're proud of these kids too."Santorum responded by continuing to knock gun control efforts."I'm proud of them," he said. "But I think everyone should be responsible and deal with the problems that we have to confront in our lives. And ignoring those problems and saying they're not going to come to me and saying some phony gun law is gonna solve it. Phony gun laws don't solve these problems."Santorum's comments prompted a statement from Everytown for Gun Safety program manager Erica Lafferty, whose mother was shot and killed in the Sandy Hook Elementary School shooting.The statement read: "Rick Santorum's words are an insult to the kids of Parkland, my family and to the countless others who have had loved ones taken by gun violence. My mother was killed while protecting her students at Sandy Hook School. For anyone to suggest that the solution to gun violence is for kids to learn CPR is outrageous, and indicative of the NRA's desire to do or say anything except strengthen America's weak gun laws." 2822

Consumers, especially men, should not purchase or use two e-cigarette liquids that contain popular erectile dysfunction drugs, the Food and Drug Administration warned Tuesday.The two HelloCig e-liquids contain tadalafil and sildenafil, the main ingredients in two of the most popular male enhancement drugs on the market, the FDA said. "These FDA-approved prescription drugs are not approved for inclusion in e-liquid products sold over the counter and are therefore being sold illegally."By not properly labeling the e-liquids, the agency said, the company was not providing adequate warnings for the protection of users, specifically anyone with erectile dysfunction, high blood pressure, diabetes, high cholesterol or heart disease who take nitrates to manage their condition."These undeclared ingredients may interact with nitrates found in some prescription drugs such as nitroglycerin and may lower blood pressure to dangerous levels," the FDA said in its warning.A lab analysis found both sildenafil and tadalafil in E-Cialis HelloCig E-Liquid and sildenafil in E-Rimonabant HelloCig E-Liquid, both sold by Shanghai-based HelloCig Electronic Technology Co. Ltd.The company has not responded to a request for comment.Although no adverse events have been reported to the agency, all consumers should stop using the products immediately, the FDA said, and anyone who experiences side effects should report them to the FDA's MedWatch Adverse Event Reporting program.The FDA says it sent a warning letter to HelloCig in October, citing a number of concerns about illegal marketing claims. HelloCig was misbranding and selling its products in the United States as an "FDA approved product with FDA," in violation of federal rules."FDA recently warned HelloCig of these issues and contacted the company several times to recommend they recall these products due to the risks to consumers. However, HelloCig has not responded to the agency's recommendation," the agency said in its warning.Bottles of E-Cialis HelloCig E-Liquid were sold with an image of a Cialis bottle and tablets, while advertisements on Twitter and Tumbir showed "a partially undressed couple embracing," the FDA says. The caption states, "WOOOOW, Have you tried our E-Cialis? It is amazing LOL."Though E-Rimonabant HelloCig E-Liquid contains the same active ingredient as Viagra, the FDA said HelloCig was marketing it with an image of an Acomplia container and tablets."Acomplia is the tradename of the anti-obesity drug product in Europe," the FDA warned. "Using the tradename of the drug product Acomplia and including an image of the Acomplia container and tablets next to the product on your website suggests that the product is intended to treat obesity."HelloCig did not respond to the initial warning, the FDA said.The manufacturers of Cialis has not responded to requests for comment. The maker of Viagra had no comment. 2932