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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 auction house says it didn't know anything about it. The artist famously doesn't like to show his face. The buyer is a mystery. So, for that matter, is the seller.In the case of the "self-destructing Banksy", nothing adds up.The startling stunt at Sotheby's in London has set the art world aflame. The image of a girl reaching out for a red, heart-shaped balloon had just sold, for .4 million.Moments later, a shredder hidden inside the picture frame began to whirr, the canvas slid down, and at least part of it ended up in strips.Sotheby's claimed it had been "Banksy'd."The British street artist, famous for being faceless, is certainly well known for his stunts. In 2006 he secretly erected a life-size replica of a hooded Guantanamo Bay detainee inside a ride in the California Disneyland theme park. In 2013 he set up a stall selling his original artwork for in a New York market and filmed people passing by, convinced that because of the price, the works were fake. 991

The American Academy of Pediatrics is clarifying their stance on reopening schools this fall, pushing for science-based decisions and calling on Congress to provide necessary federal funding for campuses to reopen safely.The AAP, joining together with the American Federation of Teachers (AFT), National Education Association (NEA) and AASA, The School Superintendents Association, said they share the desire to welcome children back to schools this fall, however safety concerns must be considered.“Returning to school is important for the healthy development and well-being of children, but we must pursue re-opening in a way that is safe for all students, teachers and staff. Science should drive decision-making on safely reopening schools. Public health agencies must make recommendations based on evidence, not politics,” the statement reads.They go on to say a one-size-fits-all approach is not appropriate, given the nature of the pandemic across the country. 975

The American Academy of Pediatrics said 61,000 children in the United States tested positive for COVID-19 last week.The medical professionals said the new child cases reported is the highest weekly figure since the pandemic began. The cases were reported in a one-week period that ended Oct. 29.The organization said that since the pandemic began up to Oct. 29, more than 853,000 children tested positive for the coronavirus. During October, nearly 200,000 new cases in children were reported by state health departments, who track the data"This is a stark reminder of the impact this pandemic is having on everyone – including our children and adolescents," said AAP President Sally Goza, MD, FAAP said in a press release. "This virus is highly contagious, and as we see spikes in many communities, children are more likely to be infected, too. We can help protect everyone in our communities by keeping our physical distance, wearing masks, and following other recommendations from our doctors and public health experts."The AAP said it believes the number of children with COVID-19 is higher because children's symptoms are often mild, and medical professionals may not test them for every illness." 1210

The 2020 election is set to be unlike any other in history.With the COVID-19 pandemic, election officials expect up to 70% of all ballots to come in through the mail.There have been claims of fraud by President Donald Trump, but experts say the data does not support those claims."Somebody is more likely to be struck by lightning than they are to commit voter fraud,” said Lawrence Nordon, director of the election reform program at the Brennan Center for Justice, a non-partisan public policy group at NYU.Nordon says in the last few federal elections, 25% of all votes were cast through the mail. He says it can not only be more convenient, but an important tool when it comes to verifying results.“Mail ballots are paper ballots. That means we do have an opportunity to audit all of those ballots,” said Nordon. “But I think people should feel very comfortable with the security of the system.”As for security, election officials take extra measures to ensure the integrity of the ballot. Firstly, mail-in voting reduces the risk of foreign interference to nearly zero. Mail-in ballots are printed on a specific type of paper with technical markings that are difficult to duplicate. They also include several local elections like city council, school boards, and ballot initiatives. It means there are thousands of different ballots for our country’s 3,000 counties.Then you consider the actual ballot itself.It comes in a secrecy envelope that is connected to each individual voter who needs to sign it. That signature is verified by judges who are sometimes trained by the FBI to detect inconsistencies.Counties across the country also have system in place that update voter registration, death records, and address changes daily while they go in and cross-reference the data as well to make sure the ballots are going where they are supposed to and people are who they say they are.“[Voter fraud] is not a thing. I think we’ve had one prosecution in 15 years,” said Paul Lopez, clerk and recorder for the city and county of Denver.Lopez says of the nearly 213,841 votes cast by Denver residents in the state primary on June 30, 211,626 were cast through the mail. And this is for a state that had the highest voter turnout of 77% in 2016.“The biggest thing we can do is inform folks and make sure they understand the process, make sure they understand that it’s secure, that it’s safe, that it’s transparent,” said Lopez.This is not to say there are not cases of voter fraud; there are. In July 2019, prosecutors in North Carolina filed charges against a Republican political operative accused of ballot tampering in a congressional election in 2018.Since 1982, the conservative Heritage Foundation says there have been 1,088 proven cases of individual voter fraud.That may sound like a lot, but the Brennan Center for Justice says considering the hundreds of millions of votes cast in that time, it is considered so rare and happens on such a small scale, that it does not warrant the broad-based red flags some people raise. 3041

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