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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

CORONADO, Calif. (KGTV) - The Coronado teenager nearly shot to death in a robbery last spring is now a real estate agent, possibly the youngest in his community. At just 19, Jacob McKanry took the test to get his license just days after getting released from the hospital.The Coronado High School Senior nearly died after he was shot selling jewelry to a couple of guys he met online.McKanry and a friend met the so-called buyers on Orange Avenue around 9 p.m. on May 4th.One of the guys grabbed the necklace while the other pulled out a gun. McKanry tried to get back the jewelry."I just hear a giant boom from behind me, and I feel my insides go like this," said McKanry.He said the shooter than aimed for McKanry's friend."My buddy was backing up, and he fell over a bike rack and the bullet, he shot right as he fell over so, the bullet went right over his head and hit that Which Wich window which definitely saved his life," said McKanry.McKanry was released from the hospital after ten days, but ultimately readmitted with a near-lethal infection.He says he still has pain in his liver and pressure in his lungs. He endured a ten-hour surgery to have the bullet, lodged between his spine and aorta, removed."It went through the back, at first it shattered part of one of my ribs, so that's how it entered into the body. So I broke, for lack of a better term, broke 2 of my ribs, and it took out a baseball chunk size of my liver. It punctured and collapsed my lung filing with blood, fractured my spine, shaved off part of my aorta, causing a pseudoaneurysm," said McKanry.McKanry said he was sure he would die."I leaned over, coughed into my hand, I spit up blood, and I was like well this is bad, I was like I'm pretty much going to die here," he said.His Christian faith brought him comfort."I was at peace, and it's going to be weird when I say this, but I was even happy, obviously, not happy that I got shot, but I pretty much knew where I was going. I knew that I was going to die and I knew that I was going to be soon reunited with the person that created me, so I was just peaceful. I was looking up at the stars and,I was happy, I was ready to go," said McKanry.Today the nineteen-year-old is excited about selling real estate. He's also studying business through Santa Barbara City College.Police arrested 3 teenagers. A judge recently sentenced the seventeen-year-old boy who set up the robbery to three years in juvenile detention. An eighteen-year-old is charged with being the getaway driver, and a second seventeen-year-old is accused of being the shooter. McKanry wants the shooter tried as an adult, but he also has compassion."I hope that he finds God, and I hope that he understands that what he did was absolutely wrong, and I hope that he is able to change his life around," said McKanry.McKanry hopes to use his ordeal to share a message."Always, always, always be thankful for what God lays in your path and never take anything for granted, cause you could go outside one day and it will all be gone," said McKanry. 3055

COLORADO SPRINGS — The COVID-19 pandemic continues to make an impact, especially to agencies who help kids who've been removed from their families because of abuse or neglect.One foster care agency in Colorado, Hope and Home, says they have over two hundred foster families with 80 recently licensed. Despite the pandemic, the organization says families are continuing to foster children and they haven't seen a decrease in interest."We are always on standby and ready to take care of kids when they come into care. They're always a need for foster families, but there's a greater need during the pandemic," said Jacquelyn Thurman- Wright. "With kids not being at school, they are not in the line of sight of teachers who are mandatory reporters. Sometimes we're seeing this abuse go on because these kids are flying under the radar and not being seen."The organization says COVID-19 has had a huge impact on the foster care system."The most obvious and immediate impact on Hope and Home is that we had to suspend in-person support groups because on a given night we could have 250 people in the building. But within a week, we were up and running on Zoom and Facebook live," said Thurman- Wright.Right now, Hope and Home is fully online and virtual but they're still taking inquiry phone calls and placing kids in foster homes.Sean and Mandy have been fostering since 2018 and didn't let the pandemic get in their way of adopting triplets and fostering a newborn baby."We didn't go to the courthouse because of COVID. So we had it on our couch via ZOOM with the judge," said Mandy.The couple says the pandemic hasn't made fostering easy."Visits are a lot harder, they're more virtual unless they're younger and that its really hard. Therapies, a lot of foster kids come in needing therapies and they're usually virtual," said Mandy.With the new restrictions, doctor visits are harder as well."So if one of the triplets have an appointment, even though they're triplets we can't bring the other two. We actually hired a nanny because of it," said Mandy and Sean.Even with the pandemic, it was not only important for Sean and Mandy but their children, that they continue fostering."We felt like this is what we had to do and then when we were getting our other foster baby. We sat down and said maybe we have to because we all felt drawn to them," said Calvin.This article was written by Mayo Davison for KOAA. 2417

Congress has a rare opportunity Wednesday to consider whether tech giants should be broken up due to antitrust concerns.The CEOs of Amazon, Google, Apple, and Facebook are testifying remotely in a House Judiciary Committee Hearing starting at noon on Wednesday.Facebook internal company documents are being deployed against CEO Mark Zuckerberg by lawmakers asserting that the company has gobbled up rivals to squelch competition.Rep. Jerrold Nadler, the Democrat who heads the House Judiciary Committee, told Zuckerberg at a hearing Wednesday that documents obtained from the company “tell a very disturbing story” of Facebook’s acquisition of the Instagram messaging service.He said the documents show Zuckerberg called Instagram a threat that could “meaningfully hurt” Facebook.Zuckerberg responded that Facebook viewed Instagram as both a competitor and a “complement” to Facebook’s services, but also acknowledged that it competed with Facebook on photo-sharing. Some critics of Facebook have called for the company to divest Instagram and its WhatsAPP messaging service.During his questioning with Rep. Pramila Jayapal, Amazon founder Jeff Bezos couldn't guarantee that his company isn't accessing seller data to make competing products.“We have a policy against using seller specific data to aid our private label business,” said Bezos.“But I can’t guarantee to you that that policy hasn’t been violated.”With the hearing underway, it's hard to tell who is the most powerful person in the room."Google controls nearly all of the internet search in the United States," Rep. David Cicilline, D-Rhode Island, said. "Amazon controls nearly half of all online commerce in the United States. Facebook has approximately 2.7 billion monthly active users across its platforms, and finally, Apple is under increasing scrutiny for abusing its role as both a player and a referee in the App Store."A year-long congressional investigation is looking for ways to check that power in what experts say will require a new understanding of U.S. competition law."(The) major point of these hearings is to move away from a conception of competition law as focusing on the well-being of citizens, as purchasers of goods and services, and to adopt a broader conception that looks at the citizen as an employee — as a resident of a community, as a consumer of news," Willam Kovacic, the former chairman of the Federal Trade Commission said.The four companies have all denied anti-competitive behavior. Last week, Apple even commissioned a study that found its App Store commission rates were in line with other companies.Several large tech companies have voiced concerns that congressional regulation might make them less competitive globally."I worry that if you regulate for the sake of regulating it, it has a lot of unintended consequences," said Sundar Pichai, the CEO of Google's parent company, Alphabet. "If you take a technology like artificial intelligence, it will have implications for national security and other important areas of society."Even as the COVID-19 pandemic has made tech companies more essential and more valuable, they have been facing a growing backlash. Protests have taken place across the country over safety concerns at Amazon warehouses, and advertisers have been boycotting Facebook over the site's failure to properly police hate speech."I think they come into the hearing not with a halo, but with great concerns about exactly whose side they are on. And that should be a matter of concern," Kovacic said. "Again, you look at the mood of Congress. You look at how Republicans join Democrats today in scolding these companies. That's a combustible environment for the leading enterprises."The House investigation is expected to lead to a recommendation for new legislation, perhaps bringing along with it greater scrutiny of tech acquisitions — like Facebook's purchase of WhatsApp and Instagram, and Google's purchase of YouTube and Fitbit. It could also ramp up pressure on other ongoing investigations of large tech companies. 4056

CLARKSVILLE, Tenn. - It's art with a message, and the purposeful signs can be found throughout Middle Tennessee.The word "vote" is written on each of Paul Collins' artistic animal signs. The art pieces range in shapes sizes and species. Some are even hidden from plain sight while others can't be missed.It's become quite the scavenger hunt for some on the lookout for these signs."I look around and place them by bus stops," Collins said. "I look for the corners that have 'vote for me' signs because that’s fair game."Collins, an Austin Peay State University art professor, started the project 100 days before election day. Although he only planned to create one a day counting down until November 3, more and more people started requesting the signs and now he's made over 200. The signs can be spotted from Springfield to Nashville to Brentwood and Clarksville.Collins is a New Yorker who moved to Tennessee a decade ago and has used this project to see his new home state."A lot of this is getting to know your city," said Collins. "it’s been great to my family part of this was just a love letter to the city and go to places I haven’t been."Collins is doing all of this out of his own pocket and gives away the signs for free. He says as long as it inspires residents to register and vote, it's a job well done."Vote that's it, it's really simple," Collins said, "Exercise the joy and responsibility of being American and vote."The voter registration deadline is October 5. A map of where his artwork is located can be found here.The Clarksville area has an installation of 31 pieces on the Austin Peay State University campus.This story was first reported by Seena Sleem at WTVF in Nashville, Tennessee. 1719