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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

COVID-19 is changing the way we do a lot of things, and one of those things include how you get treatment from a doctor.Craig Nuttall, a nursing professor at Brigham Young University in Provo, says he also works in an emergency room when he's not teaching, and he has found that using a regular stethoscope is almost impossible when he's equipped with personal protective equipment."I’ve been working with Dr. Teng on this digital stethoscope for another project in India and I thought this is the perfect application for this," said Nuttall.Using an existing open-source 3D printed design, Nuttall worked with Chia-Chi Teng, an information technology professor at BYU, to create a digital stethoscope.It works with an app to live stream or record a patient's heartbeat up to a range of 50 feet to a pair of Bluetooth headphones or a speaker.The patient would hold it up to points on their chest under the direction of a doctor or nurse.Teng says another great thing about this is it's easy to put together with just a few parts.He helped develop the 3D printed parts to form a functional, digital stethoscope that costs less than to make.Both professors admit that while digital stethoscopes have been around for some time, they are still expensive, so this is a low-cost way to make them for doctors across the country and even around the world.Nuttall said, "I’ve been using this over the past month as I worked in the emergency department on several patients, so I use it on any patient who has COVID-like symptoms."In addition to protecting healthcare staff, Nuttall said he wants the digital stethoscope to be used for things like telemedicine, treating patients in isolation, and in developing countries that don't have access to healthcare.Instructions on how to build a 3D printed digital stethoscope can be found here and the accompanying Stethogram iOS app is available here.This story originally reported by Jordan Hogan on fox13now.com. 1961

Commercial construction is experiencing a huge downtown and has yet to recover since it dipped at the start of the pandemic. But in contrast, residential construction is experiencing historic demands.“It's been a remarkable year for housing,” said Robert Dietz, chief economist for the National Association of Home Builders.When the pandemic hit, no one was sure what the impact would be on housing.“People need larger homes; they need to fix up their existing homes and frankly there’s not enough inventory on the marketplace so builders are really busy right now,” Dietz said.So busy, in fact, that some are deciding to buy new homes rather than wait for their projected renovation to start. The NAHB is a trade association with 140,000 members who handle all facets of family construction.“We’re looking this year, we think single family construction will be up almost 10% and that will make it the best year for single-family home building since the Great Recession itself,” Dietz said.But that doesn't, by any means, put anyone in a "perfect" position.“There are headwinds on the horizon and the industry has faced a number of persistent challenges that have reduced housing affordability,” Dietz said. “Those would include the persistent lack of skilled labor, lack of lots in high-demand markets, and of course regulatory costs have been a persistent thorn in the side of the industry causing costs to be higher and pricing out home buyers out of the market.”When demand goes up, supply goes down. Lumber prices are at an all-time high. It's taking months for builders to get their materials and supplies, and people are finding themselves stuck.“It can be a frustrating marketplace because you have those historically low interest rates that you want to take advantage of, you’re looking for more space given the changes to telework and all the factors that have changed as a result of the virus but there’s not the inventory there to meet the demand in front of the industry,” said Dietz.Ken Simonson, chief economist for the Associated General Contractors of America, was asked whether some are considering moving into the residential sector because it's doing so much better than the commercial side. He said, "Home building is really a different market."Simonson said the contractors in his organization do “apartment buildings, every type of non-residential building, infrastructure, highways, water and sewer systems, power plants and so forth.” He said contractors across the national saw an initial rebound, but it's been on a steady decline since the spring.“Non-residential construction, there’s a lot of doubt about whether there’s going to be demand for more stores or offices and whether owners whether they’re private or universities or state and local governments have the money to pay for them,” Simonson said.He says it's different in every state and region. Some niche industries are doing okay, like data centers, and the fields of medical device and health care. But most industries, like hotel and retail, for instance, have just about disappeared.“I have to say I’m pessimistic the construction industry is going to lag the overall economy,” Simonson said. “There are hopeful signs about the economy being able to pick up speed in 2021 if enough people get vaccinated and the vaccine proves to be effective.”Construction tends to take a while to bounce back. And for those who are waiting to move up or move out of their homes, economists say your best bet is patience. 3507

CNN anchors Poppy Harlow and Jim Sciutto were covering the suspicious packages sent to the Clintons and the Obamas when the fire alarm sounded inside their New York City studio.There was another package -- and it was inside the building where they were broadcasting.Over the loudspeaker, CNN staffers were told to evacuate the building. Right over Harlow's shoulder, viewers could see staffers grabbing their coats and walking out to the lobby."There's a fire alarm here," Harlow said. "We'll be right back," Sciutto said, tossing to a commercial break.Police officers were already arriving outside.The suspicious device was delivered to the mailroom of CNN's parent company, WarnerMedia, around 9:30 a.m. ET on Wednesday, according to a WarnerMedia executive.It "appeared to be a pipe bomb," the executive said. It was addressed to John Brennan, the former CIA director, who is a commentator on NBC and MSNBC.The fire alarm was audible on TV at 10:09 a.m. The entire WarnerMedia operation in New York was evacuated, from CNN's offices and studios on the lower floors to the corporate suites upstairs.CNN had to scramble to keep the 10 a.m. newscast on the air. When the anchors heard the fire alarm, they asked a question to a remote guest, Tom Fuentes, which gave them a moment to size up the situation. Then they tossed to commercial and evacuated.The newscast is usually produced out of a control room in Atlanta, which is why there was no interruption in programming. In the control room, executive producer Michelle Moryc lined up correspondent Rene Marsh, who was standing by for a live shot in the DC bureau, to substitute anchor.In her wall of monitors, Moryc also saw reporter Shimon Prokupecz in front of another camera in the Washington bureau. He had just been on the air covering the other suspicious packages. He was now gathering information about the situation at Time Warner Center.So when the newscast came back from commercial, Marsh explained the evacuation in New York and tossed to Prokupecz for more information. 2064

CITY HEIGHTS, Calif. (KGTV) - A woman in City Heights said she discovered a power cord connected to her building’s utility box, leading into nearby Swan Canyon.After pulling it up, she said it was connected to a power strip and phone charger. She suspects it was being used by homeless people who live in the canyon.The woman did not want to be identified, saying the transients in the area have been aggressive at defending their campsites. She’s worried about the safety of her and her young children, who often like to walk on the trails.She believes the cord wasn’t there for more than a day, though she claims neighbors have also sighted people using the outlet to charge phones.She said she’s worried less about her electricity bill than the potential for the haphazard wiring to spark fires in the dry open space.Her husband, who works for the property manager, put a new lock on the utility closet though she suspects it won’t last long. It’s been ripped open before.She said they’ve reached out to SDG&E and have reported the issues to the city on the “Get it done” app.  1097