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TANGIER, Va. – At just over one square mile, tiny Tangier, home to less than 500 people, sits surrounded by the Chesapeake Bay in Virginia.No roads can get you there. The easiest way to travel to the island is via one of the daily ferries, popular with adventurous day trippers, who want a peek at how people have lived here for centuries.“It's all about the seafood,” said Mayor James Eskridge, better known by his nickname, Ooker. “It's a close-knit community.”That closeness, though, became a potential threat earlier this year, when the coronavirus began spreading throughout the country.“We were like most of the country: we were didn't know what it was going to amount to, how dangerous it was, how you would hear one thing about it and you would hear something else and so people were worried,” Eskridge said.They were especially worried because more than 40% of the people who live on Tangier are elderly, a population vulnerable to the virus. What’s more, there’s only a small clinic on the island and no full-time doctor.So, they made a few tough choices.The ferry services temporarily shut down, effectively isolating the island, and so did another thing at the heart of life there.On the island, church is everything. Right after the coronavirus outbreak began in March, they stopped services for months and that may have been what helped keep the virus at bay.So far, there have been zero coronavirus cases on the island.“It's like one big family here. Your problem is my problem,” said Nancy Creedle, a parishioner at the island’s Swain Memorial Methodist Church, who also works in the church office.She said people took the virus seriously and though church services started up again, there have been some changes.“We marked the pews and people had to wear masks,” Creedle said.Being socially distant doesn’t come naturally there, but they’re trying.“Tangier, just like the country, you need to be cautious, but you can't completely shut down because I think that would do more harm than the virus itself,” Eskridge said.The island is back open for business. Ferry services started up again in mid-June, with an average less than 50 people visiting a day. With summer winding down, some tourist spots are now closed and others didn’t open at all this summer season.“All in all, it’s been a strange summer,” Eskridge said. “We're having tourists come in, but it's down a lot.”Since most visitors only come for the day and don’t spend the night there, island residents think that may be part of the patchwork of decisions and circumstances keeping them COVID-free.Yet, some folks also think something else might be at work, too.“The people, well, they were very precautious, too,” Creedle said, “but I think the Lord has kept us safe.”Credit given to a higher power, they said, in the face of uncertainty. 2826

Summer is almost here, but school’s not out quite yet — we’ve got one more pop quiz: What items can you get great deals on at Memorial Day sales?Stumped? We made a cheat sheet that you can use before you start spending.Here are three categories to keep an eye on this Memorial Day. While the holiday is May 28, some deals are already underway. 356

Student loan debt has surpassed trillion. It's expensive to go to school, and loans help many afford higher-education but not all that money may be going toward tuition and books.A survey found that one in five college students are using some of their leftover loan money to dip their toes into virtual currencies like Bitcoin.The mere mention of cryptocurrency is enough to make Loyola University Maryland Assistant Accounting Professor JP Krahel cringe.“Oh, oh boy,” said Krahel with the Sellinger School of Business.Even worse, students are buying into it and they're using student loan money to do so.The allowance meant for living expenses is instead being invested into Bitcoin and Ethereum. The Student Loan Report found that's how 21 percent of current college students are using their excess financial aid money.“Given the unregulated market of cryptocurrency, given what we've already seen, proven volatility, and given the fact that student loan debt is something you can't get rid of in bankruptcy, I personally, without getting too hyperbolic here, I would not do that,” Krahel said.A warning from someone who knows money, but even his wisdom is not enough to convince some of his own students.“They'll say, ‘Oh, did you see what bitcoin did yesterday, I made x dollars,’ I'm like, children, come on. Your interest rates and student loans that's what you should be worried about. If you have free money, send it back to Sallie Mae, you know, pay that debt off early because that stuff starts snowballing and paying off debt is a guaranteed return on investment,” said Krahel.And yet it's hard to shake the promise of investing in a market that's produced millionaires from relatively low investments just several years ago.“I don't want to knock cryptocurrencies, they do have a value, but people are getting into it because of that volatility, because you could have a thousand today and ,000 tomorrow,” said Krahel. “So, if you're willing to only see the upside, cryptocurrencies are great but that's not the way life works.”Bitcoin's value has sunk ,000 in the last month and plummeted from its peak in December at nearly ,000.However, with every slump there's also the possibility of a rally. These students could prove their professor wrong or learn a real-life lesson about loss and spending wisely.Krahel said you should be borrowing the least amount of money possible so you have less to pay off in the future.Students are graduating with an average of ,000 in student loan debt. 2541

The @PelicansNBA & @utahjazz kneel for the National Anthem ahead of the NBA restart. pic.twitter.com/TCFolP06HM— NBA on TNT (@NBAonTNT) July 30, 2020 161

Stroll your local mall and you may spot some empty storefronts where mannequins once stood draped in the latest fashions — possible casualties of what some have dubbed the “retail apocalypse.”Not everyone agrees it’s all doom and gloom for brick-and-mortar stores, but challenges certainly exist. Major retailers have announced plans to close thousands of locations in the U.S., and the final tally for 2017 could number around 9,500 stores, according to projections from Fung Global Retail & Technology, an industry think tank.But just because a store turns out its lights doesn’t mean the end is also nigh for your store credit card. Its fate depends on the retailer’s business plans and decisions made by the bank that issues the card. The better you understand the process, the better you can manage your credit and keep it in good standing. 857

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