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Forbes: Police Ask Rape Victims To Hand Over Phones—Are These ‘Digital Strip Searches’ Necessary?

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Forbes: Police Ask Rape Victims To Hand Over Phones—Are These ‘Digital Strip Searches’ Necessary?

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The article examined a ploy to catch potential rapists on the internet by searching current rape victims phones.
Should this idea really work, is it really necessary?

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British police are asking people who report a crime for access to their phones. Activists and an ex-police officer don't think that's always necessary. Photographer: Luke MacGregor/Bloomberg
© 2017 Bloomberg Finance LP

Cops in the U.K. are asking victims of crimes, including those who allege rape, to hand over their phones for investigation or risk seeing their case dropped.

The requests will be made via consent forms that are being rolled out across forces in the U.K. The forms tell complainants that they can refuse to hand over their device, but it adds that refusing access could mean the end of the investigation or prosecution.

The U.K.'s Crown Prosecution Service (CPS) said the searches would only be requested when it fit within a "reasonable line of enquiry." But privacy groups are raising the alarm about the potential for unnecessary invasions of people's digital lives.

"It is important for both victims and suspects that investigations are fair, proportionate and timely. However, these excessive digital trawls are simply a knee-jerk response that further delay and obstruct justice," said Griff Ferris, legal and policy officer at Big Brother Watch.

"The CPS is insisting on digital strip searches of victims that are unnecessary and violate their rights."

The Centre for Women's Justice is now reportedly working with two women on a legal challenge after they were asked to pass over their devices to the authorities.
Other lines of enquiry
Given the myriad methods police can gather data relevant to an investigation, the demand to have the physical device initially appears unnecessary. Much of the information on your phone is stored by tech providers, who are required by law (similar in the U.K. and the U.S.) to hand over data when a warrant has been signed off in court.

All major tech companies have established procedures allowing police to ask for relevant case information. Whether approaching tech giants like Apple, Google and Microsoft or local service providers like BT, police make frequent data requests. That could include demands for call records, text messages, email content, locations and browsing history.

The legal process, whereby a judge will sign off any request, should weed out the overly broad from the acceptable. As Forbes recently revealed, tech companies can fight back where there's obvious overreach, such as the case of one government asking for the names and addresses for 58 million users of a single app.

Troels Oerting, a lifelong police officer and former head of cybercrime at Europol, said that police will use many techniques to get the relevant data, but in some cases it was much easier and quicker to get information directly from a victim. But it shouldn't be mandatory, he said. Only after an initial investigation revealed that there was a need to see the victim's phone-such as when the accused provided messages indicating their innocence-should a request be made.

"That's different to saying you need to provide us with all evidence before we investigate," Oerting told Forbes. He warned of the potential for deterring victims from coming forward, adding, "I wouldn't start by mistrusting the girl. ... We should not in any way support a culture where the male is superior."

If the victim does willingly hand over their device, it's then a case of handling and analyzing the evidence correctly. Reports have cited a previous investigation as providing impetus for the new forms in which a British student, Liam Allan, was accused of rape. The charges were dropped after it emerged police had missed key evidence from a stash of 57,000 messages on the alleged victim's mobile. London's Metropolitan Police was forced into giving Allan an apology.

In that case, the police had access to the alleged victim's phone and the messages within. Rather than provide impetus for additional access to victims' devices, that investigation indicated that even when the police have all the evidence they need, sometimes they don't use it effectively.

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Police Ask Rape Victims To Hand Over Phones-Are These 'Digital Strip Searches' Necessary?

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Cops in the U.K. are asking victims of crimes, including those who allege rape, to hand over their phones for investigation or risk seeing their case dropped. The requests will be made via consent forms that are being rolled out across forces in the U.K.

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Forbes: The 25 Best Places To Retire In 2019

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Forbes: The 25 Best Places To Retire In 2019

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The article claims to have a list of the absolute best places to visit in retirement age.
Would someone who decided to retire early enjoy these places?

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Even for the we'll-do-it-our-way Baby Boom generation, retirement usually involves two big life changes: less income and more freedom (to live where you want and do what you please). That's why so many folks at least consider moving in retirement, even if they ultimately end up staying put. And it's also why Forbes' list of The Best Places To Retire in 2019 focuses on places that offer both affordability and a high quality of life.

Our new roster, our ninth annual such list, contains 25 places in 17 states across all four continental time zones. These communities vary dramatically by size, climate and culture. Yes, the majority are in warmer climates---in line with actual retirement migration trends. (Five of our picks are in Florida, and two each in Arizona, Georgia, North Carolina and Texas.) But we also identify attractive possibilities in colder locales, such as Minnesota, North Dakota and Pennsylvania.

To see the complete list, click on the nearby picture above or go here. The list is in alphabetical order. Thus, every entry is in a tie for No. 1. and Athens, Ga., is as meritorious in our view as Winchester, Va.

What these 25 varied places have in common is that they offer excellent retirement value for the buck in the continental U.S. (If you're looking for something more exotic, consider our recent list of the Best Places To Retire Abroad.)

This year, to identify our top 25, we examined nearly 700 places, in all 50 states, as well as the District of Columbia. We only consider places with populations above 10,000 unless they are part of a more populous region, as is the case with Brevard, N.C., population 8,000 but near far-bigger and pricier Asheville.

Just under half of our 2019 picks were also on last year's list. Others have been on earlier lists, or on Forbes' specialty retirement lists---for example, the best places to retire without a car or the best places to pursue a passion (be it outdoor water activities, dining out or golf) in retirement. Newcomers or those returning after a significant gap include Charlotte, N.C., Clearwater, Fla., Delray Beach, Fla., San Antonio, Tex., and Winchester.

There are any number of reasons why a place drops off or is added to our best list. Some of the biggest factors are economic. These include median home prices, cost of living compared with the national average, and state tax issues, including whether a state imposes income taxes on Social Security, whether it offers special breaks for other retirement incomes and whether it imposes an estate or inheritance tax. Cost of living alone tends to exclude most of the Northeast and the West Coast, although we look favorably on Pittsburgh, Pa. (a perennial favorite, despite its higher than average crime) and Wenatchee, Wash. (If you want to stay in your home state, and don't see any options on our list, take a look at our selection of The Best Places To Retire In Each State, which offers a best and a runner-up for each of the 50, Alaska and Hawaii included.)

Housing prices come from a number of sources, including zillow.com, trulia.com, realtor.com and the quarterly reports of the National Association of Realtors. The Realtors figure the national median home price is $249,500. Consistent with our focus on affordability, all but three of our 25 have median home prices below that level, and none is above $300,000. The most inexpensive are Savannah, Ga., $135,000; Pittsburgh, $151,000; and Bella Vista, Ark., $171,000. Most expensive are Wenatchee, $297,000; Boise, Idaho, $291,000; and Sarasota, Fla., $261,000.

Cost of living is figured as an index, with 100 being the national average by definition. Our data comes from the U.S. Bureau of Labor Statistics and bestplaces.net. We look for places with indexes no higher than 110. On this list, 12 are below 100, meaning they are cheaper places to live than the national average. The cheapest is Savannah (88), followed by Athens (93) and Pittsburgh (94). The most expensive is Delray Beach (110), followed by Sarasota, Fla. (109) and Winchester (108).

Many retirees work part-time, especially in their initial years. So we factor in current and future economic prospects for each area, drawing on data from the federal government and the Milken Institute's latest edition of "Best Performing Cities." A strong economy down the road is often a good thing for property values if a retiree wants to sell a residence and relocate again. (Don't dismiss the possibility of a second move. After all, an American who retires at 65 will, on average, live more than 20 years in retirement.)

State tax issues can be of great concern to retirees. We look at several, including whether a state imposes its income tax on Social Security income (most don't) and whether a state provides additional tax breaks for other pension income (that's more variable). Eight of the 25 places on our 2019 list are in states without a state income tax. They are Clearwater, Delray Beach, Jacksonville, Fla.; Palm Bay, Fla.; San Antonio, Tex.; San Marcos, Tex.; Sarasota and Wenatchee. But it should be noted that states without income taxes often make up for that with higher sales and real estate taxes, both of which can hit seniors hard.

In addition to economic factors, we review a host of livability measures, include rates of violent crime (murder, rape, robbery and aggravated assault) for individual jurisdictions as compiled by the Federal Bureau of Investigation, ruling out places with rates that are multiples above the national average. Since health care is so important to retirees, we look at the ratio of primary-care physicians per capita data compiled at countyhealthrankings.org, striking those that have way too few doctors. Although not dispositive, we also consider the latest Milken Institute report on "Best Cities for Successful Aging." The study, which is periodically updated, ranks 381 metro areas on a variety of wellness, health care and transportation measures, and thus captures some factors our primary analysis might miss. We also take into account air quality data compiled by the U.S. Environmental Protection Agency.

Because staying active in retirement is so important to both happiness and health, we've made it a part of our search for the best retirement places. We canvassed data at walkscore.com, which measures walkability--how easy it is in a given place to shop and get around on foot. On our list, best scores went to Pittsburgh, Sarasota and Winchester. Walkscore and other sources also measure bikeability-doing the same things using a bicycle, often with the help of dedicated bike lanes. Best ratings went to Iowa City, Boise and Sarasota.

A decision to relocate upon retirement, of course, is a uniquely personal call, often strongly influenced by the location of children, other family and longtime friends. This list doesn't quantify intangibles like culture and scenery. (Culture mavens should consult our list of the best places to pursue a passion in retiremen t.) But seven places on the list are what could be considered college towns, which often provide a richer lifestyle and even cut-rate educational opportunities for retirees. These are: Athens (University of Georgia); Columbia, Mo. (University of Missouri, Stephens College, Columbia College); Iowa City (University of Iowa); Lawrence (University of Kansas); Lexington, Ky. (University of Kentucky, Transylvania University), Pittsburgh (University of Pittsburgh, Carnegie Mellon University, Duquesne University, Chatham University) and San Marcos (Texas State University).

If scenery is your thing, many of the 25 have inviting water, mountain or desert vistas. They include Bella Vista, Boise, Brevard, Clearwater, Delray Beach, Green Valley, Jacksonville, Palm Bay, Pittsburgh, San Marcos, Sarasota and Wenatchee.
Follow William P. Barrett on Twitter by clicking here.

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Even for we'll-do-it-our-way Baby Boomers, retirement usually involves two big life changes: less income and more freedom (to live where you want and do what you please). Our list of The Best Places To Retire In 2019 focuses on places that offer both affordability and a high quality of life.

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CNN: Your boss' bad mood really does affect the rest of the office

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CNN: Your boss' bad mood really does affect the rest of the office

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The article details the effects of how someone's boss' mood could affect everyone around them.
Should those of higher positions be allowed to take breaks every now and then?

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Your boss' bad mood really does affect the rest of the office | CNN Business

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Your summer cold isn't the only thing you can spread to your co-workers. Your emotions can also be contagious. That means the bad mood you're in not only affects your work performance, but it can also influence your team.

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CNN: How to recover from a bad job interview

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CNN: How to recover from a bad job interview

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The article expresses how one should heal from an interview gone wrong instead of moping about.
Would the average person today be willing to follow this advice?

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how to recover from a bad job interview  - cnn

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Well, that didn't go quite as planned. Job interviews are nerve-wracking. And sometimes, despite being prepared and getting a good night's sleep, they just don't go well. Here's how to recover.

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FOX: Dashcam footage shows Seattle crane collapse that killed 4

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FOX: Dashcam footage shows Seattle crane collapse that killed 4

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The article details the tragic deaths of 4 innocent people that happened to be under a crane when it fell.
Should a bystander have warned them before it fell?

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Dashcam footage shows Seattle crane collapse that killed 4

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Dashcam footage taken Saturday captured the moment a crane collapsed in Washington, killing four people.

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FOX: 25 fastest disappearing jobs in the US

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FOX: 25 fastest disappearing jobs in the US

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The article explains that the following list of jobs are not as known and are therefore disappearing.
Would any important jobs eventually disappear, like dentists?

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If you're searching for the perfect career or thinking about switching fields, you may want to do your homework first.

While U.S. employers added 196,000 jobs in March - the 118th month of straight gains - and average hourly earnings rose by 4 cents ($27.70), that doesn't mean all occupations are seeing success.

In fact, some industries are actually seeing a rapid decline in terms of employees. And some states, in particular, are being hit harder than others. According to a study released earlier this month by personal finance website GoBankingRates.com, West Virginia, Alaska, New Mexico, Wyoming and Louisiana are among the worst states for job hunting.

Since 2016, the U.S. Bureau of Labor Statistics has been projecting the fastest-declining occupations in the U.S. by 2026. Earlier this month, the agency updated its statistics to give job seekers a more recent look at how certain industries are doing - in terms of salary and projected growth.

Overall, the Bureau of Labor Statistics estimated that employment will be up more than 7 percent in 2026. The agency previously said health care, health care support, construction and personal care fields would be amongst the fastest-growing occupations from 2012 to 2022.

Of the 818 occupations the bureau tracks, the agency found that locomotive firers, which receive an average annual salary of $63,820, will decline by -78.6 percent by 2026. Respiratory therapy technicians, which earn around $51,000, will also see a rapid dip of about -56.3 percent over seven years. Parking enforcement workers, averaging $39,840 per year, will also flounder - with the agency expecting a -35.3 percent decline in 2026.

Here's a list of the 25 occupations (in order) that will be hit the hardest by 2026.

1. Locomotive firers

2. Respiratory therapy technicians

3. Parking enforcement workers

4. Word processors and typists

5. Watch repairers

6. Electronic equipment installers and repairers, motor vehicles

7. Foundry mold and coremakers

8. Pourers and casters, metal

9. Computer operators

10. Telephone operators

11. Mine shuttle car operators

12. Electromechanical equipment assemblers

13. Data entry keyers

14. Postmasters and mail superintendents

15. Electrical and electronic equipment assemblers

16. Coil winders, tapers, and finishers

17. Grinding and polishing workers, hand

18. Timing device assemblers and adjusters

19. Switchboard operators, including answering service

20. Prepress technicians and workers

21. Drilling and boring machine tool setters, operators, and tenders, metal and plastic

22. Textile knitting and weaving machine setters, operators, and tenders

23. Milling and planing machine setters, operators, and tenders, metal and plastic

24. Forging machine setters, operators, and tenders, metal and plastic

25. Legal secretaries

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Top 25 fastest-disappearing jobs in the US

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If you're searching for the perfect career or thinking about switching fields, you may want to do your homework first. While U.S. employers added 196,000 jobs in March - the 118th month of straight gains - and average hourly earnings rose by 4 cents ($27.70), that doesn't mean all occupations are seeing success.

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The article explained that the company, Mattel, lost some stock due to a Rock n Play sleeper that led to 30 infant deaths.

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Do moral judgments have a place in stock market investing? Maybe. Some investors simply refuse to invest in tobacco stocks, in gun stocks, in weapons manufacturers. It's not often, though, that you see an investor cite moral imperatives as an argument against investing in a toy company.

But that's just what happened today, when short seller Bronte Capital published a "short" argument against investing in Mattel (NASDAQ: MAT), sending shares of the toymaker down 5.8% in Monday trading.

So what

So what does Bronte Capital have against Mattel? In a word: share buybacks.

OK, that's two words. But then again, Bronte levels two different arguments against Mattel. The first reaches back a few years to accuse Mattel of undertaking a debt-fueled "buyback binge" to support its stock price -- although these buybacks ran mainly from 2010 to 2014 and haven't resurfaced in recent years -- instead of revamping its toys business to target younger consumers.

The second argument is arguably more serious, accusing Mattel of being "a truly evil company ... that kills babies." This charge centers on a New York Times story from last week, reporting that Mattel "knew babies were dying" in its Fisher-Price Rock 'n Play sleeper sets but only recalled the device -- to the tune of 4.7 million units -- after the Consumer Product Safety Commission had officially linked 30 infant deaths to the sleeper.

Now what

Mattel is set to report its fiscal Q1 2019 earnings on Thursday. But whether its legal troubles over the Rock 'n Play hurt earnings or not, Bronte seems dead set against the company, arguing that Mattel "fails the basic test of a toy company," "doesn't love children," and sells "deadly" toys to kids.

Bronte says the company "will probably go bust" and argues that "the world will be a better place" when it does. Mattel investors today aren't sticking around to find out if that's true or not.

10 stocks we like better than MattelWhen investing geniuses David and Tom Gardner have a stock tip, it can pay to listen. After all, the newsletter they have run for over a decade, Motley Fool Stock Advisor, has quadrupled the market.*

David and Tom just revealed what they believe are the 10 best stocks for investors to buy right now... and Mattel wasn't one of them! That's right -- they think these 10 stocks are even better buys.
See the 10 stocks *Stock Advisor returns as of March 1, 2019 Rich Smith has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. The Motley Fool has a disclosure policy.

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Do moral judgments have a place in stock market investing? Maybe. Some investors simply refuse to invest in tobacco stocks, in gun stocks, in weapons manufacturers. It's not often, though, that you see an investor cite moral imperatives as an argument against investing in a toy company.

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Disney is having an amazing April. Now here comes 'Avengers: Endgame'

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Disney is having an amazing April. Now here comes 'Avengers: Endgame'

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The article claimed that Disney expects to break their record set for the highest grossing movie since "Infinity War"

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disney is having an amazing april. now here comes 'avengers: endgame' - cnn

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Disney is having an amazing April. Now here comes 'Avengers: Endgame'

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Disney's awesome month is about to get even better.

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Why Immigrants, Students And U.S. Companies Are Going To Canada

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Why Immigrants, Students And U.S. Companies Are Going To Canada

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The article expressed the belief that the Trump administration caused a decline in international students in the US.

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"Oh, Canada" is a refrain more U.S. companies, high-skilled foreign nationals and international students are listening to in response to more restrictive immigration policies in the United States.

The Trump administration has made it more difficult for international students to stay or work in America and new international student enrollment at U.S. universities declined over 6% in the 2017/2018 academic year, while Canadian universities are attracting international students at record levels. The number of international students in Canada increased 16% in 2018, after rising 20% in 2017.

It's not just international students choosing Canada. "Sixty-three percent of employers surveyed in the Envoy study are increasing their presence in Canada, either by sending more workers there or by hiring foreign nationals there," reported the technology news outlet . "More than half of those did both. Another 65% of hiring professionals said Canada's immigration policies are more favorable to U.S. employers than U.S. policies. Of those surveyed, 38% are thinking about expanding to Canada, while 21% already have at least one office there."

To better understand the Canadian immigration system and what may be attracting U.S. businesses, I interviewed Peter Rekai, founder of the Toronto-based immigration law firm Rekai LLP.

Stuart Anderson: Is it your experience that U.S. companies frustrated with current immigration policies are moving more people and resources to Canada?

Peter Rekai: Definitely. Canada is becoming a destination for high-skilled foreign workers who can't get new or extended status in the United States. Sometimes U.S companies just "park" these workers in Canada, hoping to get them eventually into the United States. However, many other U.S. companies have opened affiliates in Canada to which they are transferring their foreign workers on a long-term basis.

While a number of such "tech refugees" regret that they cannot stay in Silicon Valley, those with families appreciate that in Canada their spouses can get "open" work permits, their children can go to public schools and the family will be covered by universal public healthcare. They also appreciate that a clear path to permanent residence (and ultimately citizenship) is available to them, likely after a year of working in Canada.

Anderson: H-1B visa cases filed without premium processing can take U.S. Citizenship and Immigration Services 6 to 12 months to complete. What's processing like for the equivalent temporary visas in Canada?

Rekai: The federal government's new Global Skills Strategy has facilitated hiring and accelerated the processing of high-skilled workers. The goal is to get all high-skilled labour-market exempt workers to Canada and to their respective employers within 2 weeks (2 weeks longer if a labour market approval is required). Employers of low- to medium-skilled workers seeking labour market approvals face longer processing periods (currently between 3 to 9 months).

Anderson: Is it accurate to say Canada has made it easier for businesses in recent years?

Rekai: Yes. The government has expanded the number of categories of work permit categories that exempt employers from having to go through the cumbersome labour market approval process to obtain permission to hire a foreign worker. Some of this expanded mobility for professionals and business people has been due to the signing of new free trade agreements with nations in the Americas, the Pacific and the European Union.

Anderson: Can you explain how permanent residence, the equivalent of a U.S. green card, operates in Canada for business immigration?

Rekai: Economic immigrants account for 50% to 60% of all applicants for permanent residence in Canada. Their eligibility is largely determined by a "points system" based on a "human capital" model that rewards youth, education, skilled job experience and sophisticated English or French language skills.

Generous "points" are accorded to those with skilled work experience in Canada and to holders of Canadian post-secondary diplomas and degrees. This effectively establishes a path to permanent residence for currently employed skilled temporary foreign workers, ensuring that most of Canada's new economic immigrants are already gainfully employed by the time they become permanent residents. This "path" to permanent residence also underlines the significant role played by Canadian employers, who initially choose the temporary foreign workers.

Anderson: You've noted before that it could be dangerous to import the Canadian points system wholesale into the United States because Canada's system works because it's flexible and responds to employer needs but that type of "flexibility" in the wrong hands could be disastrous for U.S. employers.

Rekai: Putting broad immigration decision-making into the hands of a strong executive can lead to "be careful what you wish for" outcomes. An ideologue in an empowered U.S. executive branch (e.g., White House aide Stephen Miller) could significantly change the focus of U.S. immigration through executive order or action.

As I've noted previously, if the United States adopted the same immigration system as Canada, then the president of the United States, via the Secretary of Homeland Secretary, could set the level of legal immigration in a given year at zero, 500,000 or 5 million, whichever level he prefers. In addition, the president through his designee could establish or eliminate entire categories of immigrants and decide on the number of immigrants in each category, or do the equivalent when deciding the overall point level or which characteristics get points at all.

Anderson: It seems to Americans that Canada has historically avoided the same level of political divisiveness over immigration that we have seen in the United States. Is that a correct perception?

Rekai: Not entirely. Being bounded by 3 large oceans and sharing our only land border with the most affluent nation in the world has allowed Canada to avoid the immigration stresses imposed by large movements of asylum seekers and economic refugees. This has permitted Canadian governments to pursue a more orderly immigration process within controlled borders.

Canada pursued a largely white European-based immigrant selection process until the advent of the "points system" in the mid-1960s, which democratised and globalised our immigrant selection.

Canadian governments, Conservative and Liberal, over the past few decades have all been keen supporters of steadily raising immigration levels as an economic tool, with an emphasis on attracting skilled immigrants. Currently, our annual immigrant intake represents 1% of our population and, on a per capita basis, is 3 times that of the United States. However, our governments have been cautious to avoid any sudden boost in numbers so as to preserve the positive but delicate Canadian pro-immigration consensus.

Anderson: What do you think is the biggest weakness for businesses or employment-based immigrants in the Canadian immigration system?

Rekai: On the high-skilled worker side, the current points system, which the Minister of Immigration has the power to adjust at will, tends to be too tough on mid-career applicants, who are likely to be more accomplished and experienced in their occupational fields than their younger counterparts. Applicants under the federal selection programme start losing "points" in the age category after the age of 30, making them less competitive.

The heavy emphasis of the Canadian points system on post-secondary education, as well as its emphasis on those with offers of long-term full-time employment, has made it difficult to attract trades that are considered valuable in the workplace, particularly construction workers, such as carpenters, bricklayers, electricians, etc. The more recent establishment of a designated "trades stream," which de-emphasizes post-secondary degrees and acknowledges that employment in the construction industry is based on shorter-term projects, has served to create an opening for trade applicants, although it's too early to determine its success.

The Canadian system also features a partial outsourcing of economic immigration selection to the provinces. Regional employers have input in selecting immigrants with particular skills that are needed locally, including allowing for the selection of certain low-skilled workers (e.g., meat cutters needed by food processing plants in Manitoba and Saskatchewan, and long-haul truckers in Alberta).

Anderson: Why is Canada good for international students?

Rekai: International students who graduate from (at least) 2-year programmes at Canadian colleges and universities, in any field, are eligible for 3-year open work permits. Typically, graduates with a Canadian post-secondary credential will be young, communicate well in English or French and have gained one or more years of Canadian skilled work experience pursuant to their post-graduation work permits. This makes them competitive applicants under the points-based economic permanent resident selection process.

The knowledge that there is a clear "studies to work to permanent residence" path has significantly increased the number of international students coming to Canada, with many choosing Canada over attending U.S. schools for this reason.

Anderson: Do you think if U.S. policymakers don't make it easier to hire and retain high-skilled foreign nationals in America that more U.S. companies, immigrants and international students will be coming to Canada?

Rekai: High-skilled foreign nationals will continue to find a reliable path to permanent residence in a relatively short period of time in Canada. Absent changes in U.S. immigration policies, I would expect companies, immigrants and international students to continue to see Canada as an attractive alternative to the United States.

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Why Immigrants, Students And U.S. Companies Are Going To Canada

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"Oh, Canada" is a refrain more U.S. companies, high-skilled foreign nationals and international students are listening to in response to more restrictive immigration policies in the United States. The Trump administration has made it more difficult for international students to stay or work in America and new international student enrollment at U.S.

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Millennial Money: Are you robbing the Bank of Mom and Dad?

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Millennial Money: Are you robbing the Bank of Mom and Dad?

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The article proposed the idea that parents choosing to send their kids to college is an expense to heavy to bear.

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When Melanie Lockert graduated with a master's in performance studies in 2011, she was overwhelmed with student loans. Her many attempts to tap the Bank of Mom and Dad had failed.

She had already worked three jobs to pay off $13,000. After juggling multiple jobs, relocating from New York to Portland, Oregon, and trimming expenses, she paid off the remaining $68,000 in 2015. Now 34, she acknowledges that tackling it herself may have been for the best.

"If my parents had agreed to fund my education, I think it would have kind of been at the expense of their own retirement," says Lockert, a writer and founder of the Dear Debt blog.

Indeed, plenty of parents may already be behind on that count. Forty-five percent of baby boomers have nothing saved for retirement, according to a 2019 study by the Insured Retirement Institute, a financial services trade group. And with average U.S. life expectancy now at about 78 years old, a nest egg is key.

"Expectations I don't think are set properly for how long people are going to live, so I think most families are going to need every penny (for retirement)," says Justin Castelli, CEO and financial advisor at RLS Wealth Management in Fishers, Indiana.

If your parents aren't on track for retirement, accepting a monetary gift from them can create more financial problems than it solves.

WHAT TO CONSIDER BEFORE TAKING A GIFT

A gift from your parents could jeopardize their potential retirement earnings, but it could eventually cost you, too, if you're their financial Plan B for their golden years. Before accepting, take these steps:

- Have a money talk. To preserve quality of life in retirement, financial planners generally recommend saving enough to replace about 70% of pre-retirement income. Castelli suggests that it depends on your parents' goals. Find out where Mom and Dad stand. If they aren't sure, a fee-only financial advisor can offer a clearer picture.

- Understand the costs. Parents will be required to file a gift tax return for any amount above $15,000 per parent. And depending on what account the money is coming from and when, additional taxes and penalties may apply.

- Outline expectations. Will you be financially responsible for your parents in their later years? If so, consider those future costs. For example, a 65-year-old couple who retired in 2018 would need to have saved $280,000 to cover health and medical expenses throughout retirement, according to a Fidelity estimate . Mom and Dad may be able to help you out today, but at what cost for tomorrow?

- Weigh the family dynamic. If they give you money, your parents could also feel pressured to help your siblings and further hurt their retirement savings. And if they only help you, it could lead to jealousy or hurt feelings.

- Make sure you truly need the help. As she was paying down debt, Lockert says her work ethic and creativity were pushed to the limit, forcing her to think differently about money. "I felt more confident paying large bills," she said. If you can budget, save and take advantage of alternative resources, you might tackle financial goals yourself.

EXPLORE OTHER OPTIONS

Declining a gift from your parents doesn't mean you're out of options:

- Make it a loan, not a gift. A family loan could be a win-win: a low interest rate, no credit check and flexible terms for you, and potentially even a profit for your parents. You can consult an attorney or opt for a do-it-yourself promissory note. But it's not without risks. "Because it's an official loan, there are the normal avenues of repercussions if the loan is defaulted on," says Kyle Moore, a certified financial planner and founder of Quarry Hill Advisors in St. Paul, Minnesota. Depending on the terms, parents can call collections, take you to court or seize collateral if you fail to pay it back.

- Research other resources. If homeownership is a goal, for example, the Department of Housing and Urban Development and your state's housing finance agency feature programs designed for lower-income or first-time home buyers .

- Consolidate or refinance debt. With a good credit score (690 or higher), you can generally qualify for better interest rates to refinance student loans, transfer debt to a balance transfer credit card or consolidate other loans. Regardless of your credit score, a debt management plan from a nonprofit credit counseling agency may also lower interest rates for some debts.

This article was provided to The Associated Press by the personal finance website NerdWallet. Melissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @lissalambarena.

RELATED LINKS:

NerdWallet: Family loans: How to dodge the drama http://bit.ly/nerdwallet-drama-free-family-loans

Help buying a new home https://www.usa.gov/buying-home

Fidelity Investments' 16th annual retiree health care cost estimate https://www.fidelity.com/about-fidelity/employer-services/a-couple-retiring-in-2018-would-need-estimated-280000

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Millennial Money: Are you robbing the Bank of Mom and Dad?

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When Melanie Lockert graduated with a master's in performance studies in 2011, she was overwhelmed with student loans. Her many attempts to tap the Bank of Mom and Dad had failed. She had already worked three jobs to pay off $13,000.

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Samsung delays Galaxy Fold launch after early models broke

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Samsung delays Galaxy Fold launch after early models broke

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The article examined the new Samsung Galaxy Fold and the problems new users faced which led to a delay in the launching process.

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samsung officially delays galaxy fold launch - cnn

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Samsung delays Galaxy Fold launch after early models broke

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Samsung will not launch its innovative, expensive and troubled Galaxy Fold on schedule.

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Prominent Male VCs Subjected Sue Khim To Racist And Sexist Insults As She Funded Her $50 Million Startup

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Prominent Male VCs Subjected Sue Khim To Racist And Sexist Insults As She Funded Her $50 Million Startup

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The article exposed the fact that some men are sexist pigs that think women in power slept around to get there.

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Sue Khim, Founder and CEO of Brilliant
Courtesy of Brilliant

Sue Khim, a 32-year-old Korean immigrant and University of Chicago dropout, runs a growing San Francisco edtech company called Brilliant. She has raised $27 million in venture funding at a $50 million valuation and expects annual recurring revenue to exceed $10 million this year. In 2012, Forbes noted her promise, putting her on the 30 Under 30 list when she was 25. The company launched that year.

Brilliant offers 40 online courses in science, technology, engineering and math. The courses don't confer any academic credit, but they're put together by people with degrees in STEM subjects, including Ph.D.s, and by industry professionals who work as engineers at companies like Google and Microsoft that contract with Brilliant. Materials include short animated videos, problem sets and coding challenges.

As a student, Khim saw how many people were using the internet to get help with their STEM studies. She founded Brilliant to improve the quality of online offerings. "We wanted to create a single brand you could trust," she says.

For free, users can sign up and access the first portion of every course and get automated feedback on their attempts to solve daily math and computing problems. For a $120 yearly subscription fee, they have unlimited access to every course and resource on the site.

Courses take from 10 to 40 hours to complete and range from mathematical fundamentals to quantum computing. Brilliant's 7 million users include college students who need help because their high schools failed to teach them basic fractions and job seekers hoping to land a data science position at Facebook.

In the crowded world of edtech startups, Khim has built a promising business with steady growth. But like many female founders, especially women of color, when she set out to raise money, she had to endure sexist and racist put-downs that are still routine in the white-male-dominated venture capital community.

As she was telling me her story at the packed ASU GSV edtech conference in San Diego last week, she didn't start by recounting that challenge. But when I asked her if it was tough to raise money, she instantly said yes. I pressed her for details and she shared a half-dozen scenarios but declined to name names. "I don't think dragging these men through the mud is going to change them," she says. "If anything, it's going to make them less likely to fund women because of the perceived liability of doing so." As a woman in tech, she says, "I have to walk on eggshells."

But I believe her stories are worth reporting:

Because she was young looking, she asked one of her University of Chicago professors, Robert Rosenberg, to accompany her to her first pitch meetings. Funders "would ask, 'Are you dating?' which obviously was a veiled way of saying, 'Are you sleeping with her?'" she says.

As she walked into meetings with male funders, they asked her to fetch coffee for them.

"I had one VC tell me that I was indistinguishable from a lineup of 50 other Chinese people. So how could he fund my company if he couldn't even tell me apart from every other Chinese entrepreneur." This VC is on Forbes' Midas list. (Khim is Korean, not Chinese.)

A very successful VC who is originally from India asked Khim, "Has it ever occurred to you that women can't build companies?" Then he recounted how Indians had come to Silicon Valley 30 or 40 years ago and started at the bottom and that they were now at the highest levels of management. Then he added, "maybe there is something biologically and temperamentally different about women that makes it so they can't produce venture returns," she says.

Another VC told Khim that it worried him there were no female psychopaths in tech. He said, "Steve Jobs was a psychopath. Travis Kalanick was a psychopath. You women are just, like, polite, and I don't think big companies are built by polite people."

One of the funders outed in the #MeToo movement didn't harass Khim outright, "but he told me I was cute and flirted in a way that made me uncomfortable."

Her strategy for coping with the sexism and racism includes her decision to dress "like a male CEO." She wears jeans, a black North Face jacket with her company logo and black leather sneakers, her hair pulled back in a ponytail and no makeup. "It's one of the advantages of not being beautiful," she says.

Not that she doesn't get angry. To tamp down her emotions, after fundraising meetings, she reads books by authors like Howard Zinn and Ta-Nehisi Coates about people fighting for basic human rights. "It's been difficult for me to raise millions of dollars," she says. "But on the scale of problems that people endure, it's nothing."

"I started this company to help struggling but ambitious people like me succeed," she says. "I'm just happy we're able to do that."

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Prominent Male VCs Subjected Sue Khim To Racist And Sexist Insults As She Funded Her $50 Million Startup

# data[].attributes.attachment_link.description
Sue Khim, a 32-year-old Korean immigrant and University of Chicago dropout, runs a growing San Francisco edtech company called Brilliant. She has raised $27 million in venture funding at a $50 million valuation and expects annual recurring revenue to exceed $10 million this year.