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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

Cincinnati Firefighters currently operating at Vine St and Central Pkwy, motor vehicle accident with entrapment. pic.twitter.com/UQ2xD24XEy— Cincy Fire & EMS (@CincyFireEMS) December 2, 2020 202

CORONADO - San Diego residents and visitors say they are feeling the psychological impacts of the falling stock market when it comes to their investing and spending. The Dow Jones Industrial Average dropped more than 650 points on Monday, its worst Christmas Eve performance ever. "My IRA is hurting," said James Adams, going to lunch in Coronado. "I can't really do too much. It's too late to move money around now so we just have to weather it and hope it goes back up."The Dow has dropped 15 percent in the last three weeks, pushed by political gridlock leading to a government shutdown, trade wars, amid rising interest rates. Alan Gin, an economist at the University of San Diego, said people tend to spend more when the stock market is doing well because they feel wealthier. However, the opposite happens when the market is on the downswing. Paul Aliu, visiting from Washington D.C., said it's scary for him to check his 401(k). He said he was reconsidering a trip to the Zoo after he found out the ticket was more than . "I'm watching every dollar and every penny that I spend," he said.Dennis Brewster, a San Diego financial adviser, said it's important to think long term and not panic. Selling now locks in any losses. "It's hard to keep your perspective when we're in the middle of these declines," he said. "I encourage people to keep a longer term view." 1379

Craigslist is shutting down its personals section.The service announced on Friday it will no longer operate the portion of its website that allows individuals to seek encounters with strangers.The move comes two days after the Senate approved of bipartisan legislation called the Stop Enabling Sex Traffickers Act. 322

Claims that U.S. voter registration rolls have been hacked and leaked are false and were created by malicious actors trying to spread disinformation ahead of the 2020 election, the FBI and the Cybersecurity and Infrastructure Security Agency (CISA) said Monday.In a press release published on the FBI's Internet Crime Complaint Center, the agencies said they have "no information suggesting any cyberattack on U.S. election infrastructure," and added that registration rolls or any ballots already cast have not been compromised.The FBI says foreign actors and cybercriminals are spreading false reports about cyberattacks affecting election integrity in "an attempt to manipulate public opinion, discredit the electoral process, and undermine confidence in U.S. democratic institutions."According to the press release, U.S. voter information is publicly available and can be purchased, and while hackers have obtained some of that information in the past, the data "did not impact the voting process or the integrity of election results."Ahead of the 2016 election, Russia used social media to create politically-oriented groups and spread misinformation. The FBI has warned that Russia and other countries are attempting to do the same thing in 2020.In order to avoid misinformation online, the FBI suggests:Seeking out information from trustworthy sources, verifying who produced the content, and considering their intent.Relying on state and local election officials for information about voter registration databases and voting systems.Viewing early, unverified claims with a healthy dose of skepticism.Verifying through multiple reliable sources any reports about compromises of voter information or voting systems, and consider searching for other reliable sources before sharing such information via social media or other avenues.Reporting potential election crimes — such as disinformation about the manner, time, or place of voting — to the FBI.Making use of in-platform tools offered by social media companies for reporting suspicious posts that appear to be spreading false or inconsistent information about voter information or voting systems. 2164

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