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TAMPA, Fla. -- As parents across the country grow more concerned every morning when they send their kids to school, more and more are turning to bulletproof backpacks.“After Sandy Hook, people couldn’t wrap their minds around a bulletproof backpack but now they think it’s something that they need," said Yasir Sheikh, the president of Guard Dog Security.The Sandy Hook shooting inspired Sheikh to create a backpack out of bulletproof materials. It doesn’t seem like much. The backpack has just a thin layer of kevlar, but it is certified to withstand handgun rounds.“Ideally, we think with the way things are going this should become mandatory, common for all students," said Skeikh. "It’s a sad reality, it’s become a new normal."Others feel the same. Just three days after the deadly school shooting in South Florida his company saw a 150 percent increase in the number of bags they shipped.But do they actually work?Ryan Hart is a certified firearm instructor for defense training company Ground Ready International Training, or G.R.I.T Ready. He also teaches active shooter survival courses.Hart put a barrel with sand behind the backpack to simulate a body and took aim with his Glock 19.“The rounds definitely penetrated the front of the bag here," said Hart inspecting the shot-up bag, "But if we flip it over there’s no penetration past the armor itself."Next up: the AR-15.In the last decade, this style of gun has been used in six of the 10 deadliest mass shootings throughout the country, including the Parkland school shooting.“It went right through the soft armor," Hart said after spraying the backpack with bullets from the AR-15.It's what Hart expected, as the Guard Dog Security backpack is not certified to withstand assault-style weapons. To stop bullets from a similar weapon, the backpack would need to be equipped with steel plates like those installed in military vests. However, that would make the backpack fairly heavy to carry.“I would recommend (the backpack), yes," Hart said. "While it did not stop a direct shot from an assault rifle it can still stop bullet fragments, ricochets, glass flying through the air.”Then we posed this question to Skeikh: "What do you think it says about our society that we are resorting to items like this?"The backpacks cost between 0-200. Fifty percent of the proceeds from sales of the backpacks right now will go to the victim's families of the Parkland shooting.Guard Dog Security is also looking into possibly making backpack, that would have the ability to stop assault-style weapons. 2664

STOCKHOLM – Greta Thunberg showed support for Democratic presidential nominee Joe Biden in a rare political tweet Saturday.The 17-year-old environmental activist wrote that she doesn’t usually engage in party politics, but the upcoming U.S. election “is above and beyond that.”“From a climate perspective it’s very far from enough and many of you of course supported other candidates. But, I mean…you know…damn!” wrote Thunberg. “Just get organized and get everyone to vote #Biden.”In the same tweet, Thunberg shared an editorial piece from Scientific American that says, “choosing Donald Trump for president is choosing fiction over fact – a fatal mistake.” In September, the publication broke with its 175-year tradition of not endorsing presidential candidates and backed Biden.Thunberg has become a face of the movement to combat climate change.Thunberg has also been criticized by Trump in the past. When the activist was named Time’s Person of the Year in 2019, the president mocked her, saying she needed to “work on her anger management problem, then go to a good old-fashioned movie with a friend.”Trump has publicly dismissed the science on climate change. Last month, he said “I don’t think science knows” what it’s talking about regarding global warming and the resulting worsening of wildfires, hurricanes and other natural disasters. 1355

Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999

TAMPA, Fla. — Nearly 90 friends in the Tampa, Fla., area are betting big on their Mega Millions chances Tuesday.The group pooled together their money to purchase 11,000 tickets from a Ybor City neighborhood market, according to The Tampa Bay Times.And it's not the first time the group has gone in together for the prize either.The group has already reportedly spent ,000 on Mega Millions tickets, and rolled over winnings of ,224, according to the paper.Ryan McGuinness, who purchased the tickets, told the Times, "Everybody is back in."The group is hoping those past winnings pay off with Tuesday's drawing for the .6 billion jackpot. With a lump sum option of 5 million, divide that by 90 and each is walking away with at least million — before taxes.Not a bad chunk of change if you're willing to wait for all those tickets to be printed.If no one wins the Mega Millions jackpot yet again Tuesday, that pot could grow to an estimated  billion for Friday's drawing. 1015

Starting Friday, you'll be able to actually have breakfast at Tiffany.The luxury jeweler is opening its first-ever restaurant, The Blue Box Café, at its flagship Fifth Avenue store in New York City on Friday.The cafe is located on Tiffany's newly-renovated fourth floor, which was unveiled to the public on Wednesday."Both the café and redesign of the Home & Accessories floor reflect a modern luxury experience," said Reed Krakoff, Tiffany's chief artistic officer, in a statement. "The space is experimental and experiential -- a window into the new Tiffany."The café is decked out Tiffany's signature eggshell blue. Patrons will be able to order -- what else -- Breakfast at Tiffany, named for the Truman Capote novel turned Audrey Hepburn movie. The meal includes tea or coffee, a croissant with Nutella, honey butter and winter fruit preserves, seasonal fruit and berries, and a choice of smoked salmon & bagel stack, truffle eggs, buttermilk waffle or vegan avocado toast. Holly Golightly couldn't ask for more.Lunch, which includes a starter and a main course like the Fifty-Seventh Street Flatbread or the Fifth Avenue Salad, costs . And Tiffany Tea, a selection of teas plus finger sandwiches and sweets, comes to .The offerings are seasonal and subject to change.In a recent report, RBC Capital Markets mentioned that investors have two areas of concern when it comes to Tiffany's performance: Appeal to Millennial customers and foot traffic in stores. That might help explain the avocado toast. 1536

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