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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 biggest shopping day on the planet raked in an eye-popping .4 billion.Chinese e-commerce giant Alibaba said Saturday that sales soared past billion after just 13 hours of the retail blitz known as Singles Day, eclipsing the .8 billion it managed in the full 24 hours last year.Singles Day, a bonanza of online spending in China, has for years racked up more sales than Black Friday and Cyber Monday combined.Earlier in the day, Alibaba said eager shoppers had managed to spend billion in just 2 minutes.As the clock struck midnight in Shanghai, the final sales tally rang in at ,386,927,848, marking about a 40% increase over last year's record-setting sales total.Singles Day started out as an informal holiday in China celebrating single people on a day that epitomizes not being paired off: 11/11. Alibaba turned it into a festival of discount deals in 2009.Alibaba has used the now-massive event to lure international companies onto its platforms. More than 40% of the brands taking part this year came from outside China, according to research firm eMarketer Retail.And while Singles Day still mostly targets Chinese consumers, it's also increasingly spreading to other countries, experts say.Local players in Southeast Asia like Lazada (an Alibaba subsidiary), Zalora and Shopee launched their own Singles Day promotions this year, said Xiaofeng Wang, an analyst with research firm Forrester.The event is also evolving beyond its original conception as an online shopping spree.Alibaba and its main Chinese rival, JD.com, have both made significant investments in brick-and-mortar businesses. And they're using the popularity of Singles Day to drive shoppers to offline stores, too.Cosmetics giant L'Oreal, for example, set up an interactive mirror at its Shanghai store where shoppers could try on virtual makeup using augmented reality and then order products on a touch screen linked to an Alibaba platform.But beyond the blockbuster sales, Singles Day also creates an enormous amount of waste.Greenpeace said the manufacturing, packaging and shipping linked to the event produced 258,000 tons of carbon dioxide emissions last year. It would take about 2.6 billion trees to absorb it all.The environmental activist group estimates this year's shopping blitz is on track to leave an even bigger carbon footprint."More over-consumption means more CO2 emissions and waste," said Greenpeace campaigner Nie Li. 2442

Starbucks wants to transform some of its stores to prioritize customers who order online, according to an SEC filing.The coffee chain says it is accelerating plans to improve drive-thru and curbside pick-up options due to the coronavirus pandemic.In its filing, Starbucks says it plans to open 300 locations that "specialize" in pick-up and carry-out orders. The company also says the move will require the closure of about 400 of its current cafes.Starbucks says it will make the change over the next 18 months.CNN reports that Starbucks was already re-evaluating its strategy prior to the pandemic, as "80% of transactions at nearly 15,000 US stores are 'on-the-go' purchases."At the peak of the pandemic, when local governments forced the closure of restaurant dining rooms, Starbucks continued to operate many of its locations exclusively through drive-thrus and online ordering. 891

TAMPA, Fla. — The Centers for Disease Control has just identified more than 220 strains of what they call “nightmare bacteria” that can kill up to 50 percent of the people who catch them.“I never ever thought that I would end up getting MRSA,” said Sandra Jankowski, who was infected with antibiotic resistant bacteria her father contracted during a visit to a local hospital.Jankowski believes she was infected while caring for her father at a nursing home.“He had small scrapes and other things, which meant what was there in his system was sort of out there for all the rest of us,” she said.Jankowski contracted MRSA in her eyes and she underwent treatment for months.“It's much more rampant than we realize and very difficult to get rid of,” Jankowski said.She was lucky, because her infection eventually responded to drugs.But the CDC announced Tuesday that researchers have identified more than 220 strains nationwide that don't respond to drugs.“We are learning what is the extent of the problem and how to best manage it. And that's so critical,” said Dr. Seetha Lakshmi, an infectious disease specialist at Tampa General Hospital.She says new research and better communication between local partners and state and federal agencies will help address the crisis.The first of its kind nationwide assessment released Tuesday provides new information to providers.The CDC has more than 500 employees dedicated to containing unusual antibiotic resistance.“If you're the frontline provider, how do you act on this issue? What are your resources? How do you prevent this from spreading to other places, other people?” Lakshmi said.And identifying specific strains of "nightmare bacteria" will help health care providers respond aggressively, as the CDC pointed out in a conference call today.“The containment strategy can reduce the number of nightmare bacteria cases by 76 percent,” CDC officials reported in a nationwide conference call Tuesday.A summary of the report can be found here.Lakshmi says local hospitals now limit widespread use of antibiotics, which keeps bugs from mutating as rapidly.“You take it only if you need it. Don't take it if you just have a runny nose cold with a virus,” Lakshmi said.And other practices, like frequent hand washing can also help.“What we need to do is raise awareness,” said Jankowski, who believed she contracted her infection after touching her father.One way to protect yourself from hospital acquired infections is to do research before choosing a healthcare facility, if possible.And healthcare experts say infection rates can be lower at satellite offices or clinics that specialize in specific surgeries.Most Tampa Bay area hospitals already report their infection rates.You can compare them at the following link. 2781

States and districts across the country are unveiling their plans for the nation’s 56 million school children to return back to school. It’s a stressful time for parents and teachers, as well as students. Experts say it’s important to recognize the signs your child may not be ready to go back.“I really want to see friends and see teachers, and like, being actually inside the classroom,” said 14-year-old sophomore Amina Ahmad.Still, there is an uneasiness about whether a return to the classroom would lead to an outbreak.“Some people really are kind of worried about how many students are actually going back and how many people are going to be there,” said Ahmad.Politicians, school administrators, and parents are all weighing the potential risks of returning to the classroom. As novel coronavirus cases surge across the country, experts say the psychological toll on children needs to be addressed.“One of the things that we're seeing a lot is that after being away from that routine for a long time, it is normal for families and for youth to be concerned about ‘how is this going to be?’” said Dr. Tali Raviv, a child clinical psychologist at the Ann & Robert H. Lurie Children's Hospital of Chicago who specializes in student mental and health resilience.The American Association of Pediatrics says the benefits of in-person learning outweigh the risks and “…strongly advocates that all policy considerations for the coming school year should start with a goal of having students physically present in school.”But mental health experts say it’s important to understand how each child feels about going back.“Because it's a very different situation if a child is worried, ‘I'm not going to have my best friend with me in my little pod’ than if they're saying ‘I'm worried I'm going to get sick and die’ or ‘you're going to get sick and die,’” explained Dr. Raviv.Dr. Raviv says signs that your student is anxious about returning to school include:Any significant changes in sleep, falling asleep, staying asleep, not wanting to sleep alone or having nightmaresChanges in appetite or a lack of appetiteHeadaches or stomach achesBeing more irritable, frequent meltdownsWithdrawal from friends, family, other activitiesDr. Raviv says if the anxiety is debilitating, it may be time to see a professional.For sophomore Ahmad, her school’s hybrid schedule, alternating in-person and online classes, has put her mind at ease for now. 2448

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