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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

Critics are calling Sinclair's promos pro-Trump propaganda. Now the company is defending the initiative, and calling it something much more mundane: A "corporate news journalistic responsibility promotional campaign."Sinclair, America's largest operator of local TV stations, is in the spotlight after a controversial promo video went viral over the weekend.Some staffers say they're embarrassed by the promos and concerned about their own credibility as journalists. A few local anchors and reporters are even reacting publicly, risking the ire of management.But Sinclair senior vice president of news Scott Livingston is defending the promos as a "well-researched journalistic initiative focused on fair and objective reporting."In an internal memo obtained by CNNMoney, Livingston slammed what he called "misleading, often defamatory stories" about the company. (The full memo is below.)Last month, at Livingston's direction, anchors at Sinclair's stations were required to read a script decrying "fake stories" and biased news coverage. Some of the language echoes President Trump's anti-media messaging. And it's written to make it sound like the opinion of the local anchors, when in fact it's a mandate from management.Concerned journalists contacted CNNMoney about the promos last month. When the promos started airing, the Deadspin blog produced a video compilation of the exact same script being read by anchors across the country, reiterating the robotic and manipulative nature of the message. 1518

COATZACOALCOS, Mexico (AP) — Gang members burst into a bar, blocked all the exits and then started a fire that killed 26 people and injured about a dozen others, Mexican officials said Wednesday.Authorities said the attack in the Gulf coast city of Coatzacoalcos late Tuesday apparently was overseen by a man who had been recently arrested but released."The criminals went in, closed the doors, the emergency exits, and set fire to the place," President Andrés Manuel López Obrador said at his daily morning news conference.Veracruz state police said the attack targeted the "Bar Caballo Blanco," or "White Horse Bar." It advertised "quality, security and service," private rooms for .50 "all night," ''sexy girls" and a pole dance contest.It is located just off a busy commercial street in Coatzacoalcos, a city whose main industry has long been oil and oil refining.On Wednesday afternoon, relatives of the victims gathered anxiously outside state prosecutors' offices with photos that could be used to identify their loved ones.Those who had confirmation sat weeping in plastic chairs.Vanessa Galindo Blas, 32, said her husband died in the fire. She sat shouting: "He didn't deserve this. Why did they do this to me? I don't to be here. I want to be with you."She said her 29-year-old husband, Erick Hernández Galindo, worked as the DJ in the bar and left behind three children.Among the dead were two Filipino sailors. Ramón Guzman, the agent for the ship Caribe Lisa, brought the passports for the two men who were on leave and had been unaccounted for."This is the most inhuman thing possible," López Obrador said."It is regrettable that organized crime acts in this manner," he said, adding, "It is more regrettable that there may be collusion with authorities."López Obrador said local prosecutors should be investigated because "the alleged perpetrators had been arrested, but they were freed."Gov. Cuitláhuac García identified the chief suspect as a man known as "La Loca" and gave his name as Ricardo "N'' because officials no longer give the full names of suspects.García said the man had been detained by marines in July, but was released after being turned over to the state prosecutor's office."In Veracruz, criminal gangs are no longer tolerated," García wrote of the attack, adding that police, the armed forces and newly formed National Guard are searching for the attackers.In an interview with Milenio TV, García said that 23 people had died in the bar and three more had succumbed to their injuries afterward. He said some of the remaining injured were in "very serious" condition and he left open the possibility that the toll could rise."It was a planned, cunning attack against that bar and the people who were inside," he said. He added that businesses in the city have suffered similar fires. He said arrests were made in previous cases, but state prosecutors didn't act.In a statement, Veracruz prosecutors denied having released anyone, saying "La Loca" had indeed been arrested on two occasions but then handed over to federal prosecutors."A tragedy should not be used to distort the facts nor confuse public opinion," the statement said.The executive branch in Veracruz and the prosecutor's office have long been at odds, leading to complaints against prosecutor Jorge Winckler alleging omissions and obstruction, charges he has always denied.Anti-crime activist and businessman Raul Ojeda said the attack had all the hallmarks of an unmet demand for extortion payments."They have been threatening all the businesses like that," Ojeda said. "The ones that don't pay close down or pay the consequences, as in this case."He said the Zetas, Jalisco New Generation cartel and other local gangs are currently fighting for control of the city.Photos of the scene showed tables and chairs jumbled around, with the bodies of semi-nude women lying amid the debris.Veracruz prosecutors said the dead were 10 women and 16 men. There was no immediate word on the condition of the 11 wounded.The attack came almost eight years to the day after a fire at a casino in the northern city of Monterrey killed 52 people. The Zetas drug cartel staged that 2011 attack to enforce demands for protection payments.The Zetas, now splintered, have also been active in Coatzacoalcos. The Jalisco New Generation cartel also has a presence in the area and local journalists said "La Loca" is believed to be linked to that group.Veracruz has suffered from high levels of organized crime for years. It was one of the first states where López Obrador deployed the country's new National Guard in April after 13 people were killed during a party in Minatitlan, 12 miles (20 kilometers) from Coatzalcoalcos.More recently, in early August, nine dismembered bodies were found in bags in the town of Maltrata.According to the most recent government data, there are 2,500 guardsmen patrolling the state. They are among some 13,500 federal forces in Veracruz.The attack, along with the killing of 19 people in the western city of Uruapan earlier this month, is likely to renew fears that the rampant violence of the 2006-2012 drug war has returned.To the north in neighboring Tamaulipas state, 12 presumed criminals were killed in two clashes in the border city of Nuevo Laredo, across from Laredo, Texas.A state official who was not authorized to discuss open investigations and spoke on condition of anonymity said seven died Tuesday after attacking state police and five more were killed after shooting at a military barracks. 5531

Colleges across the country are finalizing plans to welcome students back. Some are bringing students fully back on campus, while others are going completely digital. Regardless of what colleges decide, many students are still planning to live on or near campus."We've come up, we think, with a plan that provides a lot of flexibility in options and recognizes the difficulties and strengths that our students, faculty and staff are faced with in light of COVID-19," said Lisa Lynch, the Provost at Brandeis University just outside of Boston.Brandeis, like Harvard, Princeton, Georgetown and all California State universities, will be offering online classes to students in the fall to help prevent the spread of COVID-19. There will still be in-person classes at a majority of universities offering online courses.Harvard is allowing minimal in-person classes, while Princeton is only allowing first- and third-year students on campus for the first semester and second- and fourth-year students for the second semester.Brandeis is offering some hybrid classes that are half online and half in person with small groups, but class sizes will be dramatically reduced."A mix of taking some lectures that perhaps have been pre-recorded or even listening in through Zoom on a live lecture, but then having opportunities to have small, in-person meetings with other students and professors and teaching assistants," said Lynch.All in-person classes will have a maximum of 28 students. Despite the online offerings and class restrictions, university officials say most students are still making the decision to live at school, not take classes online while living at home. This begs the question – will the online classes even make a difference amid the current COVID-19 pandemic?"I think the real hard thing is where you share a dorm room. Two people in the same room is hard to social distance in any real respect, in that case. But if a lot of people are online and you only have one person per room, then you have an ability to have a little more social distancing," said Dr. Kenny Banh, an emergency physician and Assistant Dean of Undergraduate Medical Education at UCSF-Fresno.Brandeis is only allowing one person per dorm room and even reserving extra housing for students who may test positive for COVID-19 and need to quarantine while at school. It's one of numerous brand-new health and safety procedures being implemented at the school, which also include twice weekly free coronavirus tests for all students and staff."The testing - asymptomatic testing - is mandatory. We'll also have everyone when they come to campus do a daily health gestation test. It's a very quick online tool that goes through and asks about fever, how they're feeling, if they're a student. And if they answer a question and it raises a flag, they’ll be immediately directed to our health center," said Lynch.With all the precautions universities are taking, it'll still be tough to prevent the social interactions that students want and need."There's no control with off-campus living, obviously, and students unfortunately tend to congregate together because it's a cheaper cost of living, right? I was a poor college student, so you often share a space because that’s what you could afford and you're trying to tend for the lowest cost possible. Unfortunately, we’ve showed our ability to socially distance and self-isolate in the younger generation is not as good," said Banh.While colleges won't be able to prevent off-campus social gatherings, many acknowledge that most healthy students aren't at the highest risk for COVID-19 complications and that any forced isolation at this critical age of their emotional and social development could do more harm than good."Recognizing in surveys, we saw with our students, in particular with our students in the spring, the process of being at home and trying to continue with studies contributed to a significant increase in stress, depression and sense of isolation," said Lynch."I think universities are doing the best they can do to be responsible. I think having an online option and having a significant part of people online will actually mitigate the risk for those there in person. So, if you take half the people and half of them are not there, then social distancing and all that stuff becomes much safer, especially for those people that are physically there," said Banh.Brandeis is also using advanced contact tracing technology so that if and when a student or staff member tests positive for COVID-19, they're able to immediately determine all classmates, residential halls and more, that are affected. They’re hoping to quickly mitigate any spread of virus in an academic environment that thrives on social interaction. 4773

CORONA, Calif. (AP) — A gunman opened fire inside a Southern California Costco during an argument Friday night, killing a man, wounding two other people and sparking a stampede of terrified shoppers before he was taken into custody, police said.Police swarmed the Costco after shots were reported at the huge store about 50 miles (80.5 kilometers) southeast of downtown Los Angeles.Witnesses told KCAL-TV that a man with a Mohawk haircut was arguing with someone near a freezer section when he pulled a gun and fired at least six shots.The man involved in the argument was killed and two other people were wounded, Corona police Lt. Jeff Edwards said. In a release issued after 1 a.m. Saturday, Corona police said their conditions were unknown.The suspected gunman was apprehended, said he was injured and was taken to the hospital, Edwards said.No identities were immediately released. One of those hospitalized was an off-duty officer from another agency. Police said the name of the deceased won't be released until the Riverside County coroner notifies family.Shoppers and employees described terror and chaos as the shots rang out.Christina Colis told the Riverside Press-Enterprise that she was in the produce area when she heard six to seven shots and hid with other shoppers in a refrigerated produce room. She said her mother saw people injured on the floor.Will Lungo, 45, of Corona, said he and his wife were near the produce and alcohol sections when he heard gunshots."I thought maybe someone dropped a bottle of wine, but then I kept hearing shots," Lungo told the Press-Enterprise. "An employee came in and helped us out through the emergency exit."Witnesses told KCAL-TV that shoppers and employees rushed to the exits. The station reported that, at one point, more than 100 people were outside the store. 1829

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