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The Arab-American community is on high alert because of a hateful flier that is circulating.The flier promotes April 3 as "Punish a Muslim Day" and encourages violence against Muslims with an escalating point system the more outrageous the act.The fliers originated in London. They were left on the steps of several mosques there.The message is now being spread to the U.S. by way of social media and raising concerns.“We're encouraging the community to be vigilant and to have open lines of communication with local law enforcement. And, if you feel you’re in danger, call law enforcement immediately,” says American-Arab Anti-Discrimination Committee Legal and Policy Director Abed Ayoub. “ This is outrageous, this can not be happening in 2018. This is a clear sign of xenophobia, Islamophobia, and the unfortunate direction some individuals, not only in the UK, but in the United States are heading.”Ayoub says the American-Arab Anti-Discrimination Committee stands ready to help those in the community who may be harmed through any hateful acts. 1068

Tattoos can tell you a lot about who a person is.“It’s been quite a journey for the tattoos I have," said Arno Michaelis.Michaelis still has one left from the person he says he used to be.As a teenager in the late 80s, Michaelis was a founding member of what became the largest racist skinhead gang in the world. He was also the front man for a white power metal band.“At one point, I had a swastika on this middle finger, specifically if people want to get in my face and they’re hostile to me I can show it to them," he said.Back then, he preached hate and white supremacy. It's an ideology believed to have grown 55 percent since 2017 in the US, according to the Southern Poverty Law Center."Believe that white people are different than everyone else, superior than everyone else, threatened by everyone else," Michaelis says of what he once believed.For seven years, it's who Michaelis was, but today, he says he’s a changed man."I’ve since had the swastika removed. It was covered up with this tattoo ‘Love Wins,’" he said.He says he woke up when in 1994, he was a single father."It hit me. Death or prison was going to take me from my daughter,” he recalled.Today, he uses who he was to pull others from that hate.Michaelis’ has now been telling his story for a decade and has written two books called "Gift of our Wounds" and "My Life After Hate."He works with organizations like Serve 2 Unite and Parents for Peace. He tells students about how he left his life of hate behind and works to help those at risk of going down the same path he did.“Today, I intentionally practice a story that says human beings have more in common than they do different," he said. "With that story, defining my relationship with the world, it’s a life where everywhere I go, I see family.”Michaelis plans to remove to cover his last remaining racist tattoo. Unlike ink that can be covered, he says the issues our society now faces must be confronted.“I think right now, this movement of Black Lives Matter, is really catalyzing, not just in the US, but around the world,” he said. “It’s a beautiful thing that people are waking up to the suffering that race has caused our fellow human beings.” 2190

Texas Sen. Ted Cruz and Rep. Beto O'Rourke met during a chance encounter at a Texas airport this week, where the two reportedly exchanged kind words and discussed how they could "move forward" together just days after a highly-contentious Senate election.Cruz, a conservative Republican, beat O'Rourke, a rising star in the Democratic Party, in last week's midterm elections.The encounter was posted on Tuesday on Twitter and Facebook by Tiffany Easter, who posed in photos with the two Texas politicians, writing that "Beto noticed Ted sitting down and walked over to congratulate him on his re-election and campaign.""It was the first time they had seen each other since the election and the entire conversation was both of them talking about how they could move forward TOGETHER," Easter wrote on Facebook."Today we literally watched them come together. This is America. This is good. This is wholesome," she said, adding that she was in "awe" of the "humility" the two showed.Both Cruz and O'Rourke's campaigns did not immediately respond to CNN's request for comment Thursday morning. 1102

TAMPA, Fla. — University of South Florida Professor Dr. Jay Wolfson and health experts around the world are studying the latest research project on the coronavirus."This thing gives us surprises almost every week. We learn something new, and it's usually unpleasant every week," said Wolfson.The new research is from Australia's National Science Agency, and it found the virus could survive and remain infectious on surfaces like glass, steel, and paper for up to 28 days."What they are concerned about, what we are all concerned about it, is if you have some viable virus on your fingers and you touch your eyes or you touch your nose or you touch your friend's eyes or nose, there's a greater risk of it being brought into the body if there's enough of it there," said Wolfson.But Dr. Thomas Unnasch, also with USF Health, says this study was done with perfect conditions for a virus to thrive."They put the virus under different surfaces and then preserve them in the dark at ideal temperatures and humidity. So it's not too surprising that under those ideal conditions, that it would last quite a bit longer than it would under normal conditions."While experts agree COVID-19 primarily spreads from person to person through droplets in the air, there is still more to understand about how it can transfer from objects or surfaces to people."People do have a proclivity to touch their face and their eyes, so if you are in a place that's not familiar to you and you are using things that are unfamiliar to you, just be careful," said Wolfson."Your own cell phone, if you are the only one using it, that's not a big deal. But door handles, faucet handles elevator buttons things like that. Wash your hands after you do that. That's a really good idea," said Unnasch.All of the experiments in this study were done in the dark. Research has shown direct sunlight can kill the virus.This story was first reported by Erik Waxler at WFTS in Tampa Bay, Florida. 1965

Student loan borrowers were targets for scams before the coronavirus pandemic hit. The longer people struggle, the more desperate they become, and that’s when scammers and fraudsters thrive.“They’re using the same playbook, but more aggressively,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.There’s no single scam related to coronavirus relief or specific company to pinpoint that is being prosecuted right now, says Leslie Tayne, a debt-relief attorney and founder of Tayne Law Group. But fraudsters are still out there.There are two main types of scams, says Frotman. In one scam, a company will charge to enroll you in a benefit you could have accessed for free, such as a federal income-driven repayment plan.Tayne says she most often sees scammers promising to get borrowers into a loan deferment program in exchange for payment.In another scam, you’re promised something too good to be true — like forgiveness — in exchange for payment. Then they take your money and run.“It used to be called the Obama Loan Forgiveness scam, and now there’s the CARES Act Forgiveness scam,” says Persis Yu, director of the nonprofit National Consumer Law Center’s Student Loan Borrower Assistance Project.“Borrowers should always look upon advertising that is promising forgiveness with skepticism,” says Yu. No student loan forgiveness was included in the March coronavirus relief package.How to figure out what is legitAs you’re assessing what is real and what is not, take a beat to independently verify a company on third-party sites like the Better Business Bureau’s. Here’s what else you can do:See if there are news stories about scams alongside a business’s name in an online search. Remember: Anyone can pay for a domain name and start a website. Logos, addresses and mailers are easy to replicate, too.Be wary of solicitations that arrive in your inbox or that you see on social media ads. Even if you’re contacted by a party that has your personal information, it doesn’t mean it’s a legitimate organization, says Tayne.If you get a robocall regarding student loan repayment during the coronavirus pandemic, don’t call back. The Federal Communications Commission has seen these and is warning consumers not to fall for these scams.Real relief measures available for borrowersThe coronavirus relief package did include provisions for most federal student loan borrowers, but not private loan borrowers. Individual private lenders are offering benefits such as short-term emergency deferment or waived late fees.Federal loan borrowers are in the midst of a six-month automatic forbearance — with no interest — retroactive to March 13 and lasting through Sept. 30, 2020. Borrowers with loans in default also get relief from collection activities like wage garnishment.However, the implementation of these benefits hasn’t been smooth, says Yu. The National Consumer Law Center and another nonprofit, Student Defense, sued the U.S. Department of Education over allegations that the department continued garnishing wages despite the provision in the law that prohibits it.Implementation mistakes have left borrowers more vulnerable to getting scammed, says Yu.“They’re desperate, and they might be entitled to relief and they’re not getting it,” she says. “Our policymakers and the Department of Education need to step up to get this right so borrowers are not driven to companies leeching off their desperation.”You should be receiving all relief automatically for federal loans. If you’re not, contact your servicer and make a complaint in writing.What to do if you’ve been scammedIf you’ve been scammed, the first thing you need to do is get control of your accounts.“One common iteration of these scams is the company will take over the FSA ID or servicer account and redirect any communications to that company,” says Yu. (The FSA ID is the unique username and password used to log into the federal student aid online system.)? If you’ve given a scam company your password, change your password. You may need to change the email address your account is linked to.? Make sure to report the scam to authorities as well, says Tayne, and hold onto copies of those reports.? The Federal Trade Commission, your state attorney general and the Consumer Financial Protection Bureau are options for reporting scams. Each one actively pursues student loan scammers, but they rely on borrowers to self-report.? If you’re looking to take legal action, contact a legal services organization (if you’re income-eligible) or hire a lawyer.Frotman, Yu and Tayne each said that borrowers sometimes get their money back, but it takes effort.More From NerdWalletPrivate Student Loan Relief for Borrowers in the Coronavirus CrisisFederal Loans Are Paused for 6 Months — Should You Pay Anyway?Student Loan Customer Service: What Your Servicer Can DoAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 4999