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Congratulations to @SpeakerPelosi, once again elected by House Democrats to be our fearless leader and nominee for Speaker of the House for the 117th Congress! #DownWithNDP #ForThePeople— House Democrats (@HouseDemocrats) November 18, 2020 247

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

Corporate America is coming to Wall Street's rescue.The Dow soared?548 points, or 2.2%, on Tuesday as investors cheered fat profits from major companies and relative calm in the bond market. The huge rally, the Dow's best day since March, helped the index recover a chunk of last week's hefty losses.Tech stocks, the biggest losers during the market turmoil, raced back to life. The Nasdaq spiked nearly 3%, while the S&P 500 advanced 2.2%.Investors piled back into tech darlings. Amazon, Facebook and Netflix closed sharply higher."It's a bounce back after an overdone situation last week," said David Joy, chief market strategist at Ameriprise Financial.Market sentiment was lifted by earnings beats from Goldman Sachs, Morgan Stanley and Johnson & Johnson. Adobe and UnitedHealth added to the good news by offering upbeat guidance for 2019.Taken together, the corporate report cards underscore the ability of businesses to cash in on the strong US economy. And the results should ease fears about the US-China trade war."We're focusing back on fundamentals," said Dan Suzuki, portfolio strategist at Richard Bernstein Advisors. Suzuki called Tuesday's rally a "reflexive rebound."Last week, the Dow, S&P 500 and Nasdaq all suffered their worst week since March. At one point, the Dow plummeted more than 1,000 points in just two trading days.Despite Tuesday's advance, all three major indexes remain firmly in the red for the month.One major source of investor nervousness has improved: bond yields. A sudden spike in 10-year Treasury rates above 3.25% spooked markets. The rapid climb in rates was driven by the strong economy, the surging federal deficit?and concerns about a more aggressive Federal Reserve.Investors feared higher borrowing costs that could slow growth and sudden competition for the stock market from boring bonds.But Treasury rates, which move in the opposite direction of prices, eased late last week as investors poured cash into the safety of government bonds. Rates have stabilized at around 3.15%, relieving stock market bulls."That has reassured people that this is not the start of something much worse that could really sidetrack the market," said Bruce McCain, chief investment strategist at Key Private Bank. 2288

Click here to learn more about the classes being offered by San Diego Continuing Education. Anyone in San Diego is eligible to enroll in one of 75 different certificate programs, ranging from computer programming to welding. Summer sessions begin on June 8. 266

CLEVELAND — As we’ve seen throughout this pandemic, people on both sides of the mask debate are passionate about where they stand.“It’s very sad that this has become a political issue,” said Sharona Hoffman, a professor of Law and Bioethics at Case Western Reserve University.On Wednesday night, an order from Governor Mike DeWine will take effect, requiring masks in public settings in parts of Ohio, including Ohio's three largest cities of Cleveland, Columbus and Cincinnati. Ohio, unlike a number of other states, does not have a statewide mandate on wearing masks. The move sparked increased chatter around the claim that these mandates infringe on the rights of Americans.“This shouldn’t be about people’s liberties,” said Hoffman.Government mandates are nothing new.“We have to pay taxes, we have to abide by the speed limit,” said Hoffman.During this pandemic, regulations requiring masks are no different and totally appropriate, according to Hoffman.“This type of regulation is legal, constitutional and very, very sensible,” said Hoffman.One of the main responsibilities of elected officials is to ensure the health and safety of those they serve.“It wouldn’t make sense to even have a government if their hands were tied and they couldn’t take these measures,” said Hoffman.Hoffman said people should be willing to mask-up on their own and not be told to do so.“This should be something that people are very willing to do not only to protect themselves but also to protect other people,” said Hoffman. Others expressed concerns about having to wear a mask out in their yard or walking from their car into a store.“You do have to wear it outside if you cannot consistently stay 6-feet away from other people,” said Hoffman. 1742

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