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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

Creed frontman Scott Stapp will be adding “actor” to his resume, joining the cast of an upcoming biographical movie about Ronald Reagan.Stapp will be playing Frank Sinatra in the movie, Billboard first reported and Stapp confirmed on his twitter account.“Excited to (be) a part of this incredible film! Be sure to check it out!” Stapp tweeted along with a hashtag of Reagan and Frank Sinatra, and linking to the Billboard story. 436

CINCINNATI — "The NRA is a terrorist organization.”Mad Dog PAC, a Maryland-based political action committee, paid to put messages like this one on billboards all over the country, including over northbound Interstate 75 in Middletown. Their installations, which include an "Impeachment Now" sign near President Donald Trump's Mar-a-Lago resort in Florida and 14 other National Rifle Association-centric billboards across the country, are splashy, provocative and to-the-point, calling for regulation of the NRA and the removal of various "Treasonweasel" Republican politicians.PAC chair Claude Taylor said the messages are as severe as they need to be."We think the NRA is acting very much like a terrorist organization," he said. "We are very suspicious of some of their Russian funding. … The situation with the NRA has just gotten beyond control."He and other members, he said, hope public outcry can convince legislators to spurn donations from the gun advocacy organization, which also has a recent history of provocative rhetoric, and enact "common-sense" restrictions of gun sales in the United States.RELATED: Trump reassures NRA: 'We will protect your Second Amendment'The restrictions for which Taylor advocates include those that have gained national traction in the wake of the Marjory Stoneman Douglas High School shooting, including a ban on the sale of certain high-power automatic weapons."We are starting a conversation," Taylor said.Russ Mikesell intends to continue it.Mikesell, a gun owner who said he doesn't feel the existing billboard represents the feelings of Middletonians, hopes those with the same beliefs can buy the empty billboard directly beneath Mad Dog PAC's and use it to display an opposing message."I am for the First Amendment and freedom of speech," he said.That's why he intends to use it to make another argument: "Let's go ahead and offer a different perspective on this -- not even necessarily advocating the NRA or anything like that. It's more about the Second Amendment."Like any political action committee, Mad Dog PAC uses donations to fund its displays of outreach and activism. "Billboard of Freedom" advocates such as Mikesell plan to do the same thing.Trenton resident Dan Jones created a GoFundMe to raise ,000 for a "pro gun message to upset liberals" and "take action against the Mad Dog PAC funded by George Soros!"The campaign had raised 0 by Friday night; Mikesell said he hoped to get the pro-gun billboard up by the end of the month. 2522

Community Advisory:I have been informed of an unoccupied vehicle that fell into a large sinkhole in #Maspeth. (1/3) pic.twitter.com/befhoLtlvY— Robert Holden (@BobHoldenNYC) November 26, 2020 199

Considered the coronavirus holy grail, antibodies are believed to give us some level of immunity from the virus. They form after a person fights off COVID-19 and can be detected through a serological test, better known as an antibody test. "There are some really great companies building antibody tests, and there are some not so great, bad actors, building antibody tests. So you have to be really careful," says Jon Carder, co-founder and CEO of Vessel, a San Diego company created four years ago to provide in-home wellness tests. Early in the pandemic, the U.S. Food and Drug Administration allowed these tests to be sold and distributed without federal review, as long as the company notified the FDA it was offering a test, performed self-validation studies, and included a disclaimer on the test results. The FDA is now cracking down on the bad actors, creating a list of tests that should no longer be distributed. Only a handful of manufacturers have been granted FDA Emergency Use Authorization, meeting a certain threshold for accuracy.Carder says states and even countries have been fooled by the bad actors, purchasing inadequate tests. "We were talking to a city government, a big city, and were blown away when we got a response that they were thinking about buying antibody tests from a certain manufacture who had claimed they were FDA approved. And the state had sort of taken their word for it, and they weren't," said Carder. Vessel had been preparing to release its in-home wellness tracker, which tests for health markers like vitamins, minerals, toxins, and cortisol. When the pandemic hit, the company adapted its technology to be used in the fight against COVID-19. "We take existing antibody tests, the good ones, the ones that are accurate and that the FDA has approved for emergency use, and we enable those to be done safely and accurately at home," said Carder. They've created a kit with step-by-step instructions to do the blood test at home. The test card is then scanned through the Vessel app and provides results from a medical professional within a half-hour. The FDA has already approved in-home tests to diagnose active infections – but Carder says the sample must be sent to a lab, and the user must have symptoms or another qualification to get one. And he says they can be costly. "Ours could be one of the first, or the first, antibody test done at home, no lab needed," said Carder. Just this week, the FDA issued three warning letters to companies making false claims on their in-home antibody tests.Vessel has completed its usability studies and is now in clinical trials with the FDA. "Our job is to prove it can be done safely at home and to show that via clinical trials. The FDA really makes the call if they're going to enable antibody testing at home," said Carder. He says the test would be cost-effective, anywhere from -, or around with medical consultation. If approved by the FDA, Carder estimates millions of people could be tested within the first few months. "There's something really great about the peace-of-mind that comes from doing a test, and that may be one of the biggest benefits," said Carder. But while the FDA is only approving the most accurate tests, none are 100 percent accurate and could still lead to false positives. 3314

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